Pet insurance for older cats

Pet insurance for gray-whiskered cats

Cat insurance is designed to ease the financial burden of veterinary care.* If you insure your feline friend later in life, there are a few things to know before scratching on the dotted line.

  • Cats up to age 14 can enroll!
  • No additional fees 
  • 30 days risk-free** — cancel for a full refund if no claims filed 
old calico cat curled up on green velvet chair and salmon colored pillow

What is pet insurance for older cats?

Technically, ManyPets doesn’t offer “senior cat insurance” as a separate product—it's all just cat insurance! However, you’ll likely encounter higher prices—and perhaps more exclusions for pre-existing conditions—if you buy cat insurance for an older pet.

ManyPets covers newly-insured cats up to 14 years old. And if your cat was insured before they turned 14-plus-one-day, there’s no age limit so long as you keep them continuously insured and routinely cared for by a vet.

Older cat looking up

When are cats considered "older" or "senior?"

55+ doesn't apply to your cat, so they’ll never earn discounts at your local breakfast spot. (Drat.)

Cats are generally considered seniors at around 7-10 years old, but they can often live much longer than this. If you take great care of your cat, they may keep getting the zoomies well into old age.

It can be tough to guess exactly how old your cat is if you don’t know for sure, but you'll need to state their age to the best of your knowledge when you apply for pet insurance. Your cat's fur, nails, and teeth can show signs of age, but you may need your vet's help to determine how many candles to put on Mowgli's next birthday cake.

Woman holding cat

Is pet insurance for older cats worth it?

It's best to start insuring your cat when they're still young and in prime mouse-pouncing condition. But if you’ve already waited until they’re older, well, hindsight is 20/20! Still, insuring an elderly cat can still be worth it — potentially. You'll need to weigh some important considerations. 

There isn’t always much benefit to buying pet insurance for older cats with pre-existing conditions, since past conditions usually aren’t eligible for coverage unless they’ve been fully cured for 18 months**. And premiums for older cats are likely to be higher, since older cats are more prone to developing health conditions. 

The bottom line: It all comes down to your finances and your pet's health status. Do your homework before signing up! It might still be worth it for you and your cat — but it might not be.

Forbes Advisor 2023. America's best pet insurance company. ManyPets was awarded 5 stars

Forbes' #1 Pet Insurance Company for 2023

ManyPets Insurance Facts

ManyPets offers coverage* for accidents and illnesses at competitive prices with no hidden fees. ManyPets may also cover certain items — like accident/illness exams and treatments for dental disease — that some of our competitors don’t. And unlike many other companies, ManyPets doesn’t place annual caps on reimbursement for approved claims.
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Choose any vet

— no networks!

Heart with arrow around it

No annual or lifetime limits on payouts

for approved claims

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Direct deposit reimbursements

straight to your bank account

Umbrella

Covered treatments some companies exclude

including accident/illness exams and treatments for dental disease

How does ManyPets pet insurance compare to the competition?

When you choose insurance for your cat or dog, it's important to do you your homework. Here's how ManyPets stacks up against other pet insurance plans:

Policy Details ManyPets Nationwide PetsBest Fetch HealthyPaws Trupanion
All Plans Feature no Annual Limit ✔️ N/A - No unlimited option N/A - No unlimited option ✔️ ✔️
No Fees (Sign-up, Payment Installment, etc) ✔️ 2 months due at signup + $2/month installment fee $2/month installment fee $3.48/month installment fee $25 fee to sign-up $50 fee to sign-up
No Condition-Specific Waiting Periods ✔️
Accident & Illness Coverage ManyPets Nationwide PetsBest Fetch HealthyPaws Trupanion
Vet Specialists & ER Visits ✔️ ✔️ ✔️ ✔️ ✔️ ✔️
All Plans Cover Sick Visit Exam Fee ✔️ ✔️ ✔️
All Plans Cover Rx Medication ✔️ ✔️ ✔️ ✔️ ✔️
Dental Illness ✔️ ✔️ ✔️ ✔️
Hereditary Conditions ✔️ ✔️ ✔️ ✔️ ✔️
Treatment of Pre-existing Conditions Covered if 18 months no signs or symptoms 12 months Covered if 18 months no signs or symptoms
Cancer Treatment ✔️ ✔️ ✔️ ✔️ ✔️ ✔️
Diagnostic Testing ✔️ ✔️ ✔️ ✔️ ✔️ ✔️
Wellness Coverage ManyPets Nationwide PetsBest Fetch HealthyPaws Trupanion
Total Annual Benefit $600 $500 $535 No Wellness Plan Available No Wellness Plan Available No Wellness Plan Available
No "Filler", One-Time-Use Benefits ✔️ Microchip Microchip, Spay/Neuter
Up to $150 for Vaccines ✔️ $75 max $40 max
Up to $150 for Vitamins + Supplements ✔️ Not included Not included
Up to $150 for Dental Cleanings ✔️ Not included ✔️
Up to $150 for Tests + Parasite Prevention ✔️ ✔️ ✔️
Customer Support ManyPets Nationwide PetsBest Fetch HealthyPaws Trupanion
Speak with US-based Agents in Seconds ✔️ ? ? ? ? ?
Live Chat Available ✔️ ✔️ ✔️ ✔️
24/7 Tele-Vet Coming Soon ✔️ ✔️ ✔️ ✔️

Comparisons are based on quotes manually taken from each competitor's website in 2022. These are subject to change at any time.

Pet insurance should be easy — and now it is

How cat insurance claims work*

Green house with cross on it

Visit any vet

Pick a vet, any vet. No networks, no restrictions.

Cell phone

Claim online

File a claim online anytime during or after your pet's vet visit.

Painless money

Get up to 80% of your vet bill back*

No, really. 80%.

cat with arms brushing its teeth

Save big on your senior kitty’s preventative care

ManyPets Wellness Plan Designed for Senior Cats

All the items senior cats need, including:
  • Professional and at-home dental care
  • Parasite prevention: fleas, intestinal parasites, and more
  • Vaccines and routine health exams
  • Vitamins, supplements, and more

$600 in wellness benefits for $32.88 $24.99/mo

A pile of puppies climbing on each other in a pyramid

Insurance for all your woofs and meows.

ManyPets offers insurance* for dogs and cats of all ages, including puppies and kittens, adult dogs and cats, and older dogs and cats. Get information on options for the whole furry family.

Dogs

Cats

We've got answers

Frequently asked questions

Everything else you may want to know about ManyPets insurance for older cats.

Is pet insurance for older cats worth it?

It's best to start insuring your cat when they're still young and in prime mouse-pouncing condition. But if you’ve already waited until they’re older, well, hindsight is 20/20! Still, insuring an elderly cat can still be worth it — potentially. You'll need to weigh some important considerations.

There isn’t always much benefit to buying pet insurance for older cats with pre-existing conditions, since past conditions usually aren’t eligible for coverage unless they’ve been fully cured for 18 months**. And premiums for older cats are likely to be higher since older cats are more prone to developing health conditions.

The bottom line is that it all comes down to your finances and your pet's health status. Do your homework before signing up! It might still be worth it for you and your cat, but it might not be.

Does pet insurance cover senior cats?

Yes, ManyPets covers newly-insured cats until they’re 14 years old (plus one day). But if you insure your cat when they’re younger, you can keep them insured no matter how old they get, so long as you keep them continuously insured and routinely cared for by a vet.

Is pet insurance more expensive for older cats?

Age is just one of several factors that influence your premium; others include breed and location. All other factors being equal, a premium for an older cat is indeed likely to be higher than a premium for a younger one. Since older cats are significantly more likely to develop serious health conditions, this pricing structure helps ensure that we can pay out approved claims for all our customers.

Why get pet insurance for older cats?

Pet insurance can often ease the burden of paying for vet care, especially if your cat requires costly emergency or specialty care. If your cat doesn’t have any major chronic conditions — or if any of their past conditions have been fully cured for a significant period of time period** — it might be worth it to purchase pet insurance, despite the higher premiums.

But if your cat’s primary health conditions are likely to be considered pre-existing, pet insurance may not be worth it. Do your research!

What can pet insurance cover for my senior cat?

Pet insurance can cover any conditions that aren’t excluded under your ManyPets policy.

Such exclusions include pre-existing conditions, conditions that arose during your waiting period, and preventative care, though preventative care may be covered under our optional (non-insurance) Wellness Plan.

Again, keep in mind that older cats are likelier than younger cats to suffer from pre-existing conditions.

Do cat insurance plans cover end-of-life services?

ManyPets pet insurance does indeed offer coverage for euthanasia and cremation related to accidents and illnesses that qualify for coverage. Not all pet insurance companies can say the same. But for now, let’s just think about keeping your furry family member happy, healthy, and frisky well into their senior years.

Join the ManyPets pack

We cover over 400,000 pet parents across the globe

*ManyPets analyzes every claim on its own merits, subject to the terms and conditions of your policy. Exclusions apply, including those for pre-existing conditions. Only claims unrelated to an excluded treatment or condition are eligible for coverage.

**Risk-free period, waiting period, duration before cured conditions cease to be considered pre-existing, and other policy details may vary by state due to relevant regulatory rules and changes. Always refer to your own state’s policy wording.