Pet Insurance for Senior Cats

pet insurance for senior cats

If you are looking for cat insurance for your senior cat, you are in luck. In the past, cat owners had very little they could do to protect their cats from the effects of getting old. Today, more and more pet owners are choosing pet insurance to help them pay necessary vet bills to keep them healthy and happy if possible. Although we’ve always heard that cats have nine lives, we all know that’s just not true.

When your cat becomes ill or injured, taking it to the vet is often the most important step towards helping the cat. But many cat owners have questions – do pet insurance companies offer insurance for older cats? If they do, is it expensive? Here, you can look at valuable information cat owners will find very helpful regarding pet insurance for older cats.

Pet Insurance for Senior Cats

There are a few different options for pet insurance for older cats. Each pet insurance company has different restrictions and policies for senior cats. The most popular option is an accident and illness policy. These policies generally offer pet owners the choice of different deductibles, co-pays, and maximum annual limits.

One example that is chosen by many cat owners is an accident/illness policy with a $250 deductible, 80 percent reimbursement rate, and $5,000 maximum annual payout. What pet owners like about these policies is that they can alter the premium by adjusting the deductible, co-insurance, and annual payout amount. While this type does have some exclusions, it covers many services commonly needed by cats.

Many cat insurance companies don’t cover wellness checks, annual exams, or preventive exams. However, many pet insurance companies offer a wellness policy that can be purchased as an add-on to their basic policy. Wellness policies cannot typically be purchased on their own if you go through a pet insurance company such as Pets Best, but you can buy a standalone Wellness plan such as VCA CareClub or Banfield. However, you will need to consider if a Wellness plan is a comprehensive enough option for you with a senior cat, because these plans won’t cover health issues such as cancer, kidney disease, or other things that your cat goes through as they age.

What is Considered a Senior Cat?

It’s often been said that age is just a number, and there’s probably a lot of truth to that statement. However, there is also truth to the statement that older cats (or people for that matter) are more likely to become ill and in need of vet care as they become older. What is considered a senior cat is often up for debate. What you, the cat owner, might think of as “senior” might be entirely different than what the pet insurance company considers old.

Cats have a much longer life span today than they did 20 years ago. International Cat Care indicates that cats that are 11 years old are considered elderly while those 11-14 years old are considered senior cats, and those 15 years old and older are considered super senior cats. Regardless of what we consider to be older, it’s important to understand what the pet insurance company considers old in terms of pet insurance. Most pet insurance companies consider 14 as the age of a senior cat at least in terms of coverage limitations.

Most pet insurance companies will cover a cat if it’s insured between the ages of eight weeks and 14 years old. Many insurance companies will provide coverage on a 14-year-old cat, for instance, if the policy was purchased before the cat turned 14. The younger the cat is when you purchase the policy, the lower the premiums will be. Some pet insurance companies have no upper age limits but waiting to insure your cat increases the likelihood that your cat will acquire pre-existing conditions that then will not be covered by insurance.

Common Ailments for Older Cats

As we age, our bodies also age and are more susceptible to illnesses and diseases. When various illnesses are prevalent, medical professionals always state the importance of medical care for the elderly because of their age and susceptibility to diseases that can often lead to serious complications. The very same conditions happen with our cats. The older they get, the more likely they are to become sick, which is why pet insurance is so important. Here are some common ailments for older cats.

  • Chronic kidney or renal disease
  • Hyperthyroidism
  • Heart disease
  • Cancer
  • Diabetes mellitus
  • Arthritis
  • Pancreatitis
  • Anemia
  • Dental disease

Having pet insurance may not prevent the cat from developing a disease, but it can help pay vet bills when your cat does become ill. Wellness policies provide coverage for wellness checks, annual exams, and tests that may allow the vet to detect a disease in its early stages.

Pet Insurance Plans That Cover Senior Cats

Many pet insurance companies will offer pet insurance to senior cats. Here are some companies and some examples of what they cover and offer.

Embrace Pet Insurance for Senior Cats

Embrace offers a comprehensive plan that literally covers your cat from nose to tail. It’s an accident/illness plan that also covers chronic, congenital, and hereditary conditions as well as breed-specific illnesses.

Embrace also treats pre-existing conditions differently than some other companies. If your cat is treated for an issue but remains treatment- and symptom-free for one year, it’s no longer considered a pre-existing condition. The policy covers:

  • Consultation and exam fees
  • Diagnostic testing
  • Hospitalization and surgery
  • Cancer treatments
  • Prescription medication
  • ER services
  • Specialist care
  • Alternative therapies and rehabilitation

Embrace also offers a Wellness Rewards policy that covers routine checkups and exams, grooming, spaying or neutering, and parasite preventatives.

Pets Best Pet Insurance for Senior Cats

Pets Best covers cats as young as seven weeks of age and does not have any upper age limitations. They offer pet owners many choices in coverage. Pet owners can choose between 70, 80, or 90 percent reimbursement rates or deductibles ranging from $50 to $1,000. They can also choose between a $5,000 annual payout or an unlimited payout amount. The coverage includes:

  • Illnesses
  • Accidents
  • Emergency care
  • Hereditary conditions
  • Prescription meds
  • Surgeries
  • Cancer treatments
  • Chiropractic and alternative therapies
  • Exam fees

They offer two different wellness policies as well. Pets Best is known for its fast and simple claims processing and will even deposit the money directly into your bank account.

SPOT Pet Insurance for Senior Cats

SPOT cat insurance is such a popular pet insurance company that it’s even recommended by Cesar Millan. They also offer flexible plans that give you various options so you can customize the plan based on your cat’s needs and your budget. You can even get up to 90 percent of the bill reimbursed for covered services.

SPOT offers 24/7 customer service, so you’ll never have to wait until the morning to get answers to your cat-related questions. In addition to their accident and illness policy, they offer an accident-only policy as well as a few different wellness packages. SPOT covers the following things.

  • Accidents
  • Illnesses
  • Behavioral issues
  • Preventative services
  • Congenital and hereditary conditions
  • Cancer treatments
  • Toxic ingestions
  • Heart disease

PetFirst Pet Insurance for Senior Cats

PetFirst offers cat insurance that is based on the needs of your cat rather than on cost. They offer three different policies. They all have a $250 deductible and 80 percent reimbursement rate. The main difference is in the maximum annual payout, which can be $2,000, $5,000, or $10,000. PetFirst has no age limits, which works out great for pet owners with senior cats. The plan will cover the following things:

  • Accidents and illnesses
  • Diagnostic tests
  • Congenital, hereditary and chronic conditions
  • Emergency care
  • Prescription medication
  • X-rays
  • Ultrasounds
  • Surgeries
  • Hospitalization
  • Alternative therapies and holistic care
  • Exam fees

There are additional issues your cat will be covered for after six months. PetFirst also offers a Routine Care Rider, which covers the cost of wellness checks.

Choosing the right cat insurance for your feline friend can be a big decision. There are so many great pet insurance companies out there from which to choose. They all seem to offer what you believe you need for your cat. Keep in mind that what may not seem like an important issue for your cat now may become important as your cat ages.

Many pet owners want to have insurance on their pets but typically choose the cheapest policy they can find. Cost can play a part in choosing the insurance, but it shouldn’t be the first consideration or the only consideration There are so many things to consider when choosing a cat insurance company. Only after you’ve considered all the factors should you compare the overall cost of each company’s policy. Here are some things to consider.

  • Have you done reviews on the company? Find out what other pet owners have to say about the company and its policies.
  • What is their claim process like? Is it simple? Do they reimburse in a couple of days or will you have to wait a month or more?
  • Do they offer multi-pet discounts?
  • Pay special attention to what they don’t cover.
  • What is the company’s rating with the Better Business Bureau?

Choosing the right cat insurance plan for your senior cat is the best gift you can give them and yourself as they age. You will not have to worry about choosing the right care because of cost, and your cat can have a long and happy life with you.