Older pet insurance

If you have an older cat or dog, you know it’s not always easy to find pet insurance. To help you, you’ll find below a comparison table of companies that take on senior pets so you can make sure you and your pet get the right cover in case of unexpected accidents and illnesses.

Compare insurance for older dogs and cats

Insuring older cats and dogs has now been made easy: simply use the table below to compare companies that offer cover for pets above 8 years old and get quotes to benefit from online discounts.

Provider	Max vet fees	Type of cover	Online discount	Pay vet direct	Excess from	More Info
	£4,000	12 month + per condition available	35%	Yes	£60
	£6,000	Per condition	10%	Yes	£65
	£5,000	12 month + per condition available	10%	Yes	£60
	£7,000	per condition + lifetime available	5%	Yes	£60
	£7,500	lifetime	10%	Yes	£75
	£7,000	12 month and per condition available	20%	Yes	£75 + 10% of claim
	£7,500	12 month + per condition available	-	Yes	£75/£100 + 15%
	£7,000	lifetime	5%	Yes	£70 + 20%

Why insure older pets?

As pets get older they get more likely to catch an illness or develop a medical condition. They are also more prone to injuries and accidents. This is when pet insurance proves vital: if you have a senior dog or cat you will probably claim in the coming years but you cannot predict exactly when an accident or illness will strike, so it’s important to get cover rightaway.

What if my pet already has a condition?

If your pet has received veterinary treatments for or shown signs of a medical condition in the past, be aware that the condition will be excluded from your policy and no claims would be possible for it. However, your cover will still be relevant for any other illness or injury your pet may develop in the coming years.

Is the excess fixed or in percentage?

Some companies have a specific excess for older pets, where they charge a fixed excess first and then a percentage of the remaining claim on top. This could be a massive different on your claim reimbursement so you’ll find below insurance policies for older pets that offer a fixed excess.