Are you looking for pet insurance for your older cat or dog? If so, you’ve probably already found out it isn’t an easy task.

Upper age limit

Most companies are happy to insure young pets, simply because they are less at risk of illnesses. The older your pet gets, the more veterinary care they will require, so the more they will cost in claims. That’s why some insurers decide not to insure older pets: it’s just not worth it for them as they are too exposed to paying claims while not receiving enough in premiums. Therefore, they impose what’s called an “upper age limit“: this is the age limit above which the company will not insure your pet.

Fortunately for pet owners, some pet insurers do offer cover for older cats and dogs and this needs to be praised. Pet insurance is not a regular financial product, it has a deep emotional feel attached to it: it’s about the health and happiness of your family members. As a pet owner and insurance customer, you obviously want claims to be paid but you also want to know that you pet is insured with a company that care as much as you do and does its bit towards pet welfare. And providing insurance for older pets just does that.

Compare pet insurance for older pets

The below pet insurance companies provide cover for older pets, regardless of their age. Buy online and benefit from discounts.

Provider

Max vet fees

Type of cover Online discount Pay vet direct Excess from More Info
animal friends £6,000 accident only + per condition available - No £99 + 35% of claim
get a quote
lv liverpool victoria £5,000 12 month + per condition available 10% Yes £60
get a quote
argos platinum pet insurance £7,000 per condition + lifetime available 5% Yes £60 get a quote
homebase pet insurance £7,500 lifetime 10% Yes £75 get a quote
asda £6,000 12 month + per condition available 10% Yes £65 – fixed
get a quote
halifax £6,000 lifetime 5% Yes £100 get a quote
marks and spencer £7,000 lifetime 5% Yes £70 + 20%
get a quote