Cat Insurance for Older Cats

Insuring an older cat

Insuring your older cat can pose questions and issues that are different from insuring a young kitten. Some pet insurance companies will hold an upper age limit and won't cover cats past a certain age. You will need to check with different insurance companies, because age limits won't apply to every company. Companies may recommend that you insure your pet with a long-term policy; your cat should then be covered for the length of their life as opposed to a 12 month plan, which they might not be able to renew at the end of its term due to the cat's age. A long-term policy might be right for you in case your cat unfortunately develops an on-going condition. Trying to take out a policy with a new pet insurer may prove difficult if your cat has an on-going condition as some companies do not cover pre-existing conditions.

Is your cat too old for pet insurance?

Cats are only expected to live to the ages of 12-15, although they can live to be as old as 21 (147 in cat years). Some pet insurance companies won't insure pets of an old age as they are more likely to make a claim, and some of these claims won't be covered by the policies offered. If your cat is 7 years old or younger, it might be worth considering a long-term policy. However, some insurance companies still hold an upper age limit with their long-term policies. At Pets Insure Together we have no upper age limit (though you can't take out a new policy if your cat is aged 10 years or older), and will continue to insure your cat for as long as they live. Insurance Terms of Business apply.


  • Fluffy grey cat laying down
  • up-side-down cat looking into the camera

Pets Insure Together is a trading name of Insure Together Limited which is an introducer appointed representative of BDML Connect Limited. Pets Insure Together pet policies are arranged and administered by BDML Connect Ltd, an insurance intermediary authorised and regulated by the Financial Services Authority (FSA number: 309140). You can check this information on the FSA's website at or by contacting the FSA on 0300 500 5000.

Your pet insurance is underwritten by Broadgate Syndicate 1301 at Lloyd's and The International Insurance Company of Hanover. Broadgate Syndicate 1301 at Lloyd's and The International Insurance Company of Hanover are both authorised and regulated by the Financial Services Authority.

* All cashback is only applied to active Pets Insure Together Cashback Cards. All Pets Insure Together pet insurance policies that are issued will include an automatic enrolment to the Pets Insure Together Cashback Card. Terms and conditions will apply.

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