Pet insurance for older cats
Cover to keep older cats feline great
Take care of your moggy as they get more mature with our insurance for older cats.
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Thousands of pet owners voted us Pet Insurance Provider Of The Year in the 2025, 2024, 2022 and 2021 Moneyfacts Consumer Awards.
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Why do I need pet insurance for an older cat?
Your older cat is a loving and likely lifelong companion. And just like a human, it’s only natural that they’ll need more medical care and attention as they age.
So when your older cat inevitably gets ill, has a dental issue, or injures themselves, having older cat insurance in place to help cover costs can be a real help. Not all insurance for senior cats is created equal, though. Many providers won’t cover cats over a certain age (usually eight years old and over), will exclude pre-existing conditions and add certain limits for older felines.
At ManyPets, we don’t think that’s fair. We love pets of all ages, so we don’t have any upper age limits on our cat insurance plans – and we’ll even cover pre-existing conditions that have been free from signs, symptoms, treatment, medication or advice for two years before the policy start date.
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What should I look out for with pet insurance for older cats?
When it comes to pet insurance for older cats, there’s a few things you need to bear in mind. First of all, premiums for senior cat insurance will be more expensive than for younger cats, and will likely increase every year. This is because they’re at higher risk of developing health issues and needing vet care.
Here are a few more things to check your plan for:
Cover for pre-existing conditions. At ManyPets, we’ll cover a condition if it’s been free from signs, symptoms, treatment, medication or advice for two years before the policy start date.
Our Standard Care Pre-existing plan has £1,500 of cover for conditions that ended three months before your policy start date as part of an overall £7,000 vet fee limit, too.Cover for cats aged seven or over. We don't have any upper age limits on our cat insurance plans - though you'll need to pay a 20% co-payment towards each claim you make if your cat is seven or over.
Dental cover. We have cover for dental illness and accidents up to the vet fee limit with our Standard Care and Complete Care plans, and Essential Care covers dental accidents up to £1k.
Your cat will need to have had a dental check-up within the last twelve months, and you'll need to have followed any dental treatment recommended by a vet within six months.Co-payments. Co-payments are a fixed percentage you will pay towards a claim. We charge a 20% co-payment for pets aged seven or over. Learn more in our co-payment explainer.
Why pick ManyPets cat insurance?
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Pre-existing conditions
All our plans cover pre-existing conditions that ended more than two years before your plan starts. Read our handbook for the full details.:quality(75)){kind=icon}
Dental treatment
Cover for dental illness and accidents up to the vet fee limit with our Standard Care and Complete Care plans. Your cat will need to have had a dental check-up within the last twelve months, and you'll need to have followed any dental treatment recommended by a vet within six months. Essential Care also includes dental accidents up to £1k.
Pet-sitting discount
Enjoy an offer on pet-sitting membership with TrustedHousesitters. Terms apply*:quality(75)){kind=icon}
Extra pet perks
We’ll help you care for your older cat even when you don’t need to make an insurance claim. That’s why we also provide extras like discounted flea, tick and worm treatment, an offer on pet sitter membership, and much more. Offers may change at any time. Terms apply*ManyPets' Reviews
Compare our older cat insurance plans
We have a wide range of older cat insurance plans to choose from. Have a browse and pick the level of cover that’s right for you.
| Complete Care | Standard Care | Standard Care Pre-existing | Essential Care | |
|---|---|---|---|---|
| Plan details | ||||
| Vet fee cover up to | £20,000 | £10,000 | £7,000 | £3,000 |
| Dental cover | Accidents and illness | Accidents and illness | Accidents and illness | Accidents only (Up to £1,000) |
| Pre-existing conditions cover | Cover for conditions that ended 2 years before policy start date | Cover for conditions that ended 2 years before policy start date | Up to £1,500 cover for conditions that ended 3 months before policy start date | Cover for conditions that ended 2 years before policy start date |
| Unlimited 24/7 video vet calls at no extra cost | ||||
| Access to ManyPets Perks *T&Cs apply | ||||
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Why is older cat insurance more expensive?
Even though older cats can be as lively and inquisitive as any other pet, they’re still more likely to develop health issues, including kidney and blood pressure problems, arthritis, and diabetes.
Those issues could require regular medical care, which means their insurance premiums are typically higher than those for younger pets.
The best way to find out how much pet insurance for your older cat will cost is to get a quote - it only takes a few minutes!
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Covered from tooth to tail
That’s right, your cat’s smile is covered, too. We cover for dental illness and accidents up to the vet fee limit with our Standard Care and Complete Care plans, as long as your cat’s had a dental check-up within the last twelve months, and you’ve followed any dental treatment recommended by a vet within six months. Plus, Essential Care includes dental accidents up to £1k.
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Preventative care for older cats
We want to help you take care of every aspect of your cat’s health. Save time and money on preventative care for fleas, ticks, and worms, and keep your cat happy and healthy all year round.:quality(75))
Unlimited 24/7 vet advice with your senior cat insurance
Ever wished you had a vet in your contacts? Now you do. As a member of our pack, you can access unlimited, 24/7 video vet calls with FirstVet, available weekends, evenings, whenever you need.
It’s perfect for times when you’re not sure if a vet visit is needed. Like when your older cat has a sudden change in appetite. Or if you find an odd skin growth. Whether it’s an out-of-hours accident or a minor illness, speedy vet help is only ever a few taps away.
And the best part? Using the service has no impact on your claims history, so there’s no need to worry about your renewal price.
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Multi-pet insurance
Got a pack to cover? Get a discount of up to 15% when you insure multiple pets. That's one of the highest multi-pet discounts in the UK.
Claiming is easy
Your older cat’s pet insurance should be simple – so now it is. Here’s how easy it is to claim on your senior cat’s plan.
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1. Your proof
Get a copy of your older cat’s treatment invoice or a receipt if payment has been made.
2. Access your account
Log into your ManyPets online account.:quality(75)){kind=icon}
3. Make your claim
Click 'Make a claim', tell us what happened and upload your evidence. We’ll take it from there.Older cat insurance FAQs
Everything else you need to know about your older cat insurance plan.
When are cats considered old in pet insurance terms?
When are cats considered old in pet insurance terms?
Cats are considered old by insurers when they reach 8 years of age. While that might not seem old for a pet (or to its owners!), that’s the age from which they might be more susceptible to certain medical conditions.
Is pet insurance for older cats worth it?
Is pet insurance for older cats worth it?
We know how important your cat is, especially if it’s been part of your family for a long time. When your older cat develops medical issues, or picks up an injury, it’s comforting to know that you’ll have help paying for any vet bills, and that you’ll be able to keep your feline friend happy and healthy into their golden years.
How much is older cat insurance?
How much is older cat insurance?
The cost of pet insurance for older cats will vary by a number of factors, including the cat’s breed and age, whether they have pre-existing conditions, and the area in which you live.
What does older cat insurance cover?
What does older cat insurance cover?
You should check the details of your insurance plan for exact costs, but our older pet insurance offers cover for accidents, injuries, and dental accidents. Standard Care Pre-Existing also offers pet insurance for older cats with pre-existing conditions.
Is dental cover included in my older cat insurance?
Is dental cover included in my older cat insurance?
All our insurance plans include cover for dental accidents. We cover both dental illness and accidents up to the vet fee limit with our Standard Care and Complete Care plans.
Your cat will need to have had a dental check-up in the last 12 months and you'll need to have followed any vet recommended treatment within six months.
Essential Care also covers dental accidents up to £1k.
Does the breed of my older cat affect their insurance?
Does the breed of my older cat affect their insurance?
The breed of your cat will affect the cost of their insurance plan since some cat breeds are susceptible to certain illnesses and genetic conditions. Get a quote to find out how your cat’s breed will affect the cost of their insurance plan.
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