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.

  • No upper age limit on our older cat insurance policies
  • Up to £15,000 annual vet fee limit
  • Cover for conditions that have been free from signs, symptoms, treatment, medication or advice for two years.
  • Help is always at hand with 24/7 online vet advice
4.4 | 5,306
4.4 out of 5
Read more reviews at Feefo

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.

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, or £69 if you previously had no excess on our Regular policy. However, if you’ve already opted in for a higher excess, it will stay the same.

  • 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?

We know you want the best for your cat. That's why we're making older cat insurance better.
Pre existing condition icon

Pre-existing conditions

Our older cat insurance policies cover conditions that have been free from signs, symptoms, treatment, medication or advice for two years or more. We also have a dedicated Pre-existing policy for older cat that can cover health issues within this time.


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.

House with check mark

Free pet sitting

Our cat insurance policies include a year’s free pet sitting service - so you’ll have peace of mind if you have to leave your older cat at home for any reason.

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.

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
Cover for conditions that ended 2 years ago
Unlimited, 24/7 online vet advice
Pet house sitter membership £99/yr

Choose award-winning insurance for your cat

Cat and dog owners voted us Pet Insurance Provider Of The Year in the 2022 Moneyfacts Consumer Awards, and we've received thousands of 5-star Feefo reviews.

drawing of a calculator with paws on it

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!

line drawing of a cat brushing it's teeth

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.

Vet petting dog and cat

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.

  • Flea, tick and worming treatment, with an exclusive discount for ManyPets members.
  • Safe, proven, non-prescription parasite treatment.
  • Free monthly delivery through your letterbox.
Illustration, Woman crouching down with a phone in her hand. She is petting her dog who is sitting and looking down. They're sharing a moment. There is a speech bubble coming from the phone, in the bubble is a vet giving advice.

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 our free, fast, 24/7 vet advice service – 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.

2 dogs and 1 cat sitting on a green couch

Multi-pet insurance

We’ll give you a discount of up to 15% for cats (and dogs) on the same policy – available on all but our Value 2k policy. That’s one of the highest multi-pet discounts in the UK.

The ManyPets reviews are in

Don’t just take our word for it. Here are just a few of the thousands of five-star reviews ManyPets members have written about our pet insurance policies.

5 out of 5
Feefo independent customer feedback

“1st Class Service.”

So glad to have chosen ManyPets. Whole experience was so easy and painless.

Sally – London
5 out of 5
Feefo independent customer feedback

“Cracking value for money”

I regard ManyPets as the best value pet insurance, having experienced several others. The claim was so easy and payment was in my account actually before the vets had taken it out.

Michael – Rushden
5 out of 5
Feefo independent customer feedback

“ManyPets aim to make a difference, and they deliver! ”

Easy to contact, delightful staff, claimed without any quibble. The cost of peace of mind is brilliant.

Karen – Suffolk
5 out of 5
Feefo independent customer feedback

“This is what I call excellent customer service”

Quick and easy to make a claim. Claim paid the following day. Exceptional service. Very happy customer and cats.


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 policy.
Contact us icon

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.

Claims 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?

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.