Cat Insurance For Older Cats: What Are The Options
Just because your cat is getting a little older and more senior that doesn't mean the cover has to stop
. Although most pet insurance companies stop insuring cats once they reach a certain age, there are some that will continue to provide cover, regardless of the cat's age.An older cat doesn't mean your cat no longer needs cover against veterinary bills and the like. In fact, given the cat's likelihood to get ill, cats need insurance more than ever at such a ripe old age.
So what can you expect from a senior cat insurance policy? Surprisingly, much the same as a pet insurance policy for a younger cat.
Most premiums provide cover against veterinary bills. This typically covers your cat for accidental or illness treatment, and depending on the policy will often have a fixed amount per year or per condition.
Advertising & reward is also typically covered which is great as many cats tend to forget where they live as they get older. Should your cat go missing, this part of the policy will cover the costs of advertising & reward in the search for your missing feline.
Emergency boarding is also covered by many cat insurance policies. Essentially this covers you if you are suddenly unable to look after your cat, or unable to find someone else to look after it. A classic example is if you suddenly need to go to hospital. In this case your cat would be put up in a cattery or cat friendly hotel.
Some pet insurance policies for older cats also provide cover for public liability, although this is generally more of a concern for cats than dogs.
Finally death is often covered, which is a big concern for many purchasing insurance for an older pet. It's important to read the small print regarding this, as although it is typically labeled 'death', most insurance companies don't simply pay out when your cat dies.
If you are looking for pet insurance online, it's worth checking to see which pet insurers offer a discount for buying online. This isn't every company, but for those that do it can end up saving you a considerable amount of money off of your policy. Typical discounts for pet insurance in the UK are between 5 and 30%, although this varies from insurer to insurer and also depending on the pet type.
So, if you do have an older cat and are upset that your insurance company won't continue to provide coverage, don't fret. In the UK, there are a growing number of pet insurers who cover older cats.
Cat Insurance For Older Cats: What Are The Options
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