Pet Insurance for Older Cats

Cats can live long lives, bringing years of enjoyment to the people who love them. The average lifespan for cats that exclusively live indoors can range from 14 to 18 years.

In some cases, cats may live to be 20 years old or older. Depending on a cat’s size, it may be considered a senior feline between the ages of 7 and 10.

As cats age, they become increasingly susceptible to health problems. As a result, pet owners will want to provide them with the medical care that they need to thrive.

To avoid being weighed down by veterinary bills, one may turn to pet insurance to make caring for their elderly cat more affordable.

But pet owners with senior cats that aren’t already insured may wonder if pet insurance for older cats is an option and what restrictions apply.


Can You Insure Older Cats?

If you have an older cat, it is possible to get insurance, but increased age also presents issues that may not apply to younger pets. Ideally, one should not wait to get pet insurance.

Older cat coverage may be limited if you wait until your pet develops a health problem, as insurance companies do not cover pre-existing conditions.

Additionally, one should avoid letting any current coverage lapse, as it may negatively impact their ability to get insurance for their aging cat when it is needed.

In the case of some pet insurance companies, there may be maximum age restrictions that prevent you from enrolling senior cats.

Additionally, when you buy pet insurance, older cat premiums will likely be higher than those for younger felines.


Why Older Cats Need Health Insurance

Older cats need insurance to help alleviate some of the costs associated with veterinary care. Cats are susceptible to a number of health problems as they age and have certain special physical changes that require treatment from a veterinarian.

For example, older cats experience a weakening of their immune systems, making them more susceptible to certain illnesses. You may find that your cat is getting more skin infections, which is a result of the thinning of their skin.

As with humans, age may account for changes in hearing and vision. An older cat may experience age-related hearing loss, or they may develop cataracts in one or both of their eyes, which can eventually lead to costly surgery.

Kidney disease and kidney failure are also commonly associated with older cats. Conditions such as degenerative joint disease, hyperthyroidism, diabetes mellitus, and high blood pressure become increasingly common when cats reach a more advanced age.

These conditions can lead to other concerns as well: For example, high blood pressure may cause problems such as impaired vision.


Choosing Pet Insurance for Elderly Cats

Before you purchase pet insurance for older cats, you’ll want to ensure that you are getting a plan that is best suited for the potential problems that your pet may face.

To do that, you will need to compare policies to discover any potential age-related restrictions and confirm which conditions and treatments are covered and which are not. will help you do just that. As the only licensed pet insurance agency in America, we are in a unique position to offer pet owners an unbiased look at the different providers and what they have to offer.

Use our site to compare policies from all the top pet insurance companies, get a free quote, and learn more about deductibles and waiting periods.

You don’t have to break the bank when it comes to giving your older cat the medical care that it needs to be healthy. Start comparing pet insurance and sign up for a plan with confidence!


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