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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Pet Insurance Provider Of The Year 2024
Thousands of pet owners voted us Pet Insurance Provider Of The Year in the 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 policies – and we’ll even cover pre-existing conditions that have been free from signs, symptoms treatment, medication or advice for two years.
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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 policy details 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. For anything within that time, there’s our Pre-existing policy.
Cover for cats aged eight or over. We don’t have any upper age limits on our cat insurance policies – though there will be changes to your excess and co-payments when your cat turns nine.
Dental cover. Dental issues can be a real problem for older cats. That’s why all of our older cat insurance policies cover dental accidents and our Complete policy can cover dental illness too.
Changes in excess. At ManyPets, when your cat turns nine you’ll need to pay a compulsory excess of £99.
Co-payments. That’s a percentage of any claim amount that you’ll need to pay yourself after your annual excess. When your cat turns nine at ManyPets you’ll have a 20% co-payment.
Why pick ManyPets cat insurance?
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Pre-existing conditions
Our standard policies cover conditions which ended more than two years ago. But our separate pre-existing policy reduces this timeframe to just three months. Read our handbook for the full details.
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Dental treatment
Our Complete policy covers dental accidents and illness for older cats, 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. All our other policies cover dental accidents.
Free pet sitting
A year’s free TrustedHousesitters membership, worth £99. Offer ends 31/08/24. Terms apply*
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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, a year’s free pet sitter membership, and much more. Offers may change at any time. Terms apply*
Compare our older cat insurance policies
We have a wide range of older cat insurance policies to choose from. Have a browse and pick the level of cover that’s right for you.
| Complete | Regular | Pre-existing | Value | |
|---|---|---|---|---|
| Policy details | ||||
| Vet fee cover | £15,000 | £7,000 | £7,000 | £3,000 |
| Dental cover | Accidents and illness | Accidents only | Accidents only | Accidents only |
| Pre-existing conditions cover | Cover for conditions that ended 2 years ago | Cover for conditions that ended 2 years ago | £1,500 | Cover for conditions that ended 2 years ago |
| Unlimited 24/7 video vet calls at no extra cost | ||||
| Extra pet health perks *Terms 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. Our Complete policy includes insurance for dental illness as well as accidents, 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, all of our policies include cover for dental accidents.
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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.
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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 up to 15% discount when you insure multiple pets. That's one of the highest multi-pet discounts in the UK. Available on all but our Value 2k policy.
Claiming is easy
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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.
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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?
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?
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?
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?
You should check the details of your insurance policy for exact costs, but our older pet insurance offers cover for accident, injury, and dental accidents. We also offer pet insurance for older cats with pre-existing conditions.
Is dental cover included in my older cat insurance?
Our senior cat insurance policies include cover for dental accidents. Our Complete policy includes cover for dental illness as long as your cat’s had a dental check-up in the last 12 months and they follow any vet-recommended treatment within six months.
Does the breed of my older cat affect their insurance?
The breed of your cat will affect the cost of their insurance policy since some cat breeds are susceptible to certain illnesses and genetic conditions. Get in a quote to find out how your cat’s breed will affect the cost of their insurance policy.
Older cat health and insurance guides
Find out more about your older cat’s health, and our insurance policies, or explore our library of pet care guides.
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