{"id":2725,"date":"2020-10-20T08:10:45","date_gmt":"2020-10-20T08:10:45","guid":{"rendered":"https:\/\/animalsa2z.com\/?p=2725"},"modified":"2020-10-20T08:10:45","modified_gmt":"2020-10-20T08:10:45","slug":"best-cat-insurance-for-older-cats","status":"publish","type":"post","link":"https:\/\/animalsa2z.com\/best-cat-insurance-for-older-cats\/","title":{"rendered":"Best cat insurance for older cats"},"content":{"rendered":"\n<p>Have you just adopted an older cat? If you\u2019re used to getting pet insurance for a younger cat, you might notice straight away that it costs more to insure an older cat. However, there are certain types of insurance that are better for older cats, such as lifetime policies.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>It is important for pet owners to understand how insurance works for older cats. Once a cat is older than seven, insurance providers start to limit what they offer. There can also be conditions or restrictions attached to the premiums, such as the policy not covering pre-existing conditions.<\/p>\n\n\n\n<p>Some types of insurance are better for older cats. Read on to find out what they are and how you can find the best cat insurance for your senior cat.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_17 counter-hierarchy ez-toc-grey\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" style=\"display: none;\"><i class=\"ez-toc-glyphicon ez-toc-icon-toggle\"><\/i><\/a><\/span><\/div>\n<nav><ul class=\"ez-toc-list ez-toc-list-level-1\"><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/animalsa2z.com\/best-cat-insurance-for-older-cats\/#Why_is_insurance_for_older_cats_more_expensive\" title=\"Why is insurance for older cats more expensive?\">Why is insurance for older cats more expensive?<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/animalsa2z.com\/best-cat-insurance-for-older-cats\/#The_best_type_of_insurance_for_older_cats\" title=\"The best type of insurance for older cats\">The best type of insurance for older cats<\/a><ul class=\"ez-toc-list-level-3\"><li class=\"ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/animalsa2z.com\/best-cat-insurance-for-older-cats\/#Lifetime_pet_insurance\" title=\"Lifetime pet insurance\">Lifetime pet insurance<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/animalsa2z.com\/best-cat-insurance-for-older-cats\/#Maximum_benefit_pet_insurance\" title=\"Maximum benefit pet insurance\">Maximum benefit pet insurance<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/animalsa2z.com\/best-cat-insurance-for-older-cats\/#Time-limited_pet_insurance\" title=\"Time-limited pet insurance\">Time-limited pet insurance<\/a><\/li><\/ul><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/animalsa2z.com\/best-cat-insurance-for-older-cats\/#Things_to_look_out_for_when_buying_insurance\" title=\"Things to look out for when buying insurance\">Things to look out for when buying insurance<\/a><ul class=\"ez-toc-list-level-3\"><li class=\"ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/animalsa2z.com\/best-cat-insurance-for-older-cats\/#Pre-existing_conditions\" title=\"Pre-existing conditions\">Pre-existing conditions<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/animalsa2z.com\/best-cat-insurance-for-older-cats\/#Deductible\" title=\"Deductible\">Deductible<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/animalsa2z.com\/best-cat-insurance-for-older-cats\/#Whats_covered\" title=\"What\u2019s covered\">What\u2019s covered<\/a><\/li><\/ul><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/animalsa2z.com\/best-cat-insurance-for-older-cats\/#Frequently_asked_questions_about_insurance_for_older_cats\" title=\"Frequently asked questions about insurance for older cats\">Frequently asked questions about insurance for older cats<\/a><ul class=\"ez-toc-list-level-3\"><li class=\"ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/animalsa2z.com\/best-cat-insurance-for-older-cats\/#Is_pet_insurance_worth_it_for_an_older_cat\" title=\"Is pet insurance worth it for an older cat?\">Is pet insurance worth it for an older cat?<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/animalsa2z.com\/best-cat-insurance-for-older-cats\/#How_much_does_cat_insurance_usually_cost\" title=\"How much does cat insurance usually cost?\">How much does cat insurance usually cost?<\/a><\/li><\/ul><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/animalsa2z.com\/best-cat-insurance-for-older-cats\/#The_best_insurance_will_last_a_lifetime\" title=\"The best insurance will last a lifetime\">The best insurance will last a lifetime<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Why_is_insurance_for_older_cats_more_expensive\"><\/span>Why is insurance for older cats more expensive?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As cats grow old, they are more at risk of developing health or dental issues. Whether this is due to old age or an illness, a cat will need to visit the vet more often, which can become expensive over time.<\/p>\n\n\n\n<p>An insurance provider will have to pay more claims for an older cat, which is why the premiums are more expensive. However, there are plenty of healthy, older cats who might not need to go to the vet very often. The premium is based on the average older cat, which means owners have to pay more on their monthly payments.<\/p>\n\n\n\n<p>Even though the insurance will be more expensive, it doesn\u2019t have to be difficult to get an insurance policy for your cat.<\/p>\n\n\n\n<p><a href=\"https:\/\/animalsa2z.com\/can-you-get-pet-insurance-if-your-pet-is-already-sick\/\">Can you get insurance if you already have a sick cat<\/a><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"The_best_type_of_insurance_for_older_cats\"><\/span>The best type of insurance for older cats<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Many pet insurance providers will offer different levels of coverage to suit their customers\u2019 needs. However, not every type of insurance is suitable for an older cat. For example, the accident only policy isn\u2019t recommended for an older cat, as it doesn\u2019t cover illnesses.<\/p>\n\n\n\n<p>Read on to find out the three types of cat insurance that we think are the best for an older cat.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Lifetime_pet_insurance\"><\/span>Lifetime pet insurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This is the most expensive of the policies available. It will allow you to make claims on illnesses and accidents for the rest of your cat\u2019s life, as long as you continue to pay the premium. Of course, this premium will be more expensive for an older cat since they are at a higher risk of developing an illness.<\/p>\n\n\n\n<p>Each year there is a certain amount allowed for you to make a claim for your cat. When the year is up, the amount resets and your cat is still covered for any conditions that need treatment. In our opinion, this is the best type of insurance for an older cat.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Maximum_benefit_pet_insurance\"><\/span>Maximum benefit pet insurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A maximum benefit pet insurance allows you to claim for an injury or illness up to a set amount, like $1500. This is suitable for short term conditions, but it isn\u2019t great for long term ones which often develop in older cats.<\/p>\n\n\n\n<p>The benefit of this insurance type is that you can continue to claim on the same condition until the limit is used up or until it is reset the next year. For example, if a cat needs ongoing medication, this would be easily covered. It is often seen as a mid-range option for pet insurance.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Time-limited_pet_insurance\"><\/span>Time-limited pet insurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A time-limited insurance policy isn\u2019t necessarily a good option for older cats who might develop long term health conditions. The coverage usually lasts for 12 months and will cover an illness or accident within this timeframe.<\/p>\n\n\n\n<p>However, if an older cat develops an illness that lasts longer than 12 months, it will be classed as a pre-existing condition. This means that it won\u2019t be covered by insurance anymore and you will have to cover all the costs of the treatment yourself.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Things_to_look_out_for_when_buying_insurance\"><\/span>Things to look out for when buying insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When you are getting ready to buy pet insurance, it is important that you consider a few things. This will help you make an informed decision on which insurance policy is best for your older cat.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Pre-existing_conditions\"><\/span>Pre-existing conditions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Most insurance providers won\u2019t cover pre-existing conditions. An older cat is more likely to already have a condition that might need treatment. However, some won\u2019t class an illness as pre-existing if the cat hasn\u2019t shown symptoms in the last 2 years. Be sure to read the fine print and find out what the provider classes as \u201cpre-existing.\u201d<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Deductible\"><\/span>Deductible<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The deductible, or excess, is the amount that you will have to pay before being able to make a claim. It varies with different providers and different insurance types. Make sure you choose one with a deductible that you can afford at a moment\u2019s notice if your cat gets sick.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Whats_covered\"><\/span>What\u2019s covered<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Different policies and providers will cover different things. Some will pay out money if the pet dies or is lost. Some can even help to pay the cost of putting your animal to sleep as a last resort. However, not all providers offer the same.<\/p>\n\n\n\n<p>Find out what matters to you and make sure it is covered by the insurance policy.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Frequently_asked_questions_about_insurance_for_older_cats\"><\/span>Frequently asked questions about insurance for older cats<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Is_pet_insurance_worth_it_for_an_older_cat\"><\/span>Is pet insurance worth it for an older cat?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>While it is more difficult to get insurance for an older cat, it is worth it. Older cats are more likely to become ill and have problems as they age, which can cost a lot of money to treat. Insurance helps to cover the costs and provide financial help to owners.<\/p>\n\n\n\n<p>Most owners never know when their pet might get sick or have an accident. Insurance offers peace of mind to owners so their cat can get the treatments they need right away.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"How_much_does_cat_insurance_usually_cost\"><\/span>How much does cat insurance usually cost?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The average cost for pet insurance for cats in the US is $30 a month, which would cover accidents and illnesses. An older cat or rarer breed will cost more to insure than the average mixed breed cat. You can even get insurance for a cat for as little as $10 a month, depending on their age and health history.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"The_best_insurance_will_last_a_lifetime\"><\/span>The best insurance will last a lifetime<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A lifetime insurance policy is the best option for an older cat. While the monthly premiums and deductible fees might be more expensive, the insurance will cover your cat for the rest of its life.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/animalsa2z.com\/wp-content\/uploads\/2020\/10\/Best-cat-insurance-for-older-cats-pinterest-template-01-683x1024.jpg\" alt=\"Best cat insurance for older cats\" class=\"wp-image-2727\"\/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Have you just adopted an older cat? If you\u2019re used to getting pet insurance for a younger cat, you might notice straight away that it costs more to insure an<\/p>\n","protected":false},"author":4,"featured_media":2726,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best cat insurance for older cats [ Detailed Answer ]<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/animalsa2z.com\/best-cat-insurance-for-older-cats\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best cat insurance for older cats [ Detailed Answer ]\" \/>\n<meta property=\"og:description\" content=\"Have you just adopted an older cat? 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