Best Pet Insurance for Senior Cats

Cats are living longer than ever thanks to improved nutrition and veterinary care. It’s not unusual for indoor cats to live 15–20 years. However, with age comes increased risk for:

• Chronic illnesses (kidney disease, diabetes, hyperthyroidism)

• Dental problems

• Cancer and tumors

• Arthritis and joint issues

• Eye and hearing loss

• Digestive and urinary tract disorders

Veterinary bills can skyrocket. A single emergency visit may cost $1,000+, and chronic conditions require long-term management. Pet insurance ensures you can afford the best care without draining your savings.

What to Look for in Pet Insurance for Senior Cats

When evaluating policies, consider these key factors:

1. Age Limits

Some providers won’t insure pets after a certain age (often 10–14 years). Choose a company with no maximum age limit for enrollment.

2. Coverage for Chronic and Pre-Existing Conditions

• Most plans exclude pre-existing conditions (those diagnosed before enrollment).

• However, some cover curable conditions if the pet is symptom-free for a set period (usually 180 days).

• Look for plans that don’t limit coverage once a chronic condition is diagnosed.

3. Reimbursement and Deductibles

You typically pay the vet upfront and get reimbursed later. Choose a plan with:

• Customizable deductibles

• High reimbursement options (70–90%)

• Annual benefit limits that match your needs

4. Waiting Periods

Understand how long you must wait after enrollment before coverage begins. Accidents may be covered after 2–3 days, but illnesses usually require 14–30 days.

5. Wellness Add-ons

Some plans offer preventive care (vaccines, exams, dental cleanings) for an additional cost. These may not be critical for older cats, but helpful.

Top Pet Insurance Companies for Senior Cats in 2025

1. Spot Pet Insurance

• Maximum enrollment age: None

• Coverage: Accidents, illnesses, chronic conditions, behavioral issues

• Reimbursement: Up to 90%

• Annual limits: $2,500 to unlimited

• Waiting period: 14 days (accidents and illness)

Why it’s great: Spot has no upper age limit and allows customization. It’s ideal for older cats, even those in double digits. Offers optional preventive care add-ons.

2. Embrace Pet Insurance

• Maximum enrollment age: 14 years

• Coverage: Accidents, illnesses, genetic conditions

• Reimbursement: 70–90%

• Annual limits: $5,000 to $30,000

• Waiting period: 2 days (accidents), 14 days (illness), 6 months (orthopedic)

Why it’s great: Embrace covers curable pre-existing conditions and includes diminishing deductibles (your deductible decreases each year you don’t file a claim). Perfect for cats under 14.

3. Trupanion

• Maximum enrollment age: 14 years

• Coverage: Illnesses, accidents, congenital issues

• Reimbursement: 90% (fixed)

• Annual limits: Unlimited

• Waiting period: 5 days (accidents), 30 days (illness)

Why it’s great: Trupanion offers direct vet payment—no need to file claims yourself. If your vet is partnered, you don’t pay the full cost upfront. A big help for expensive emergency visits.

4. ASPCA Pet Health Insurance

• Maximum enrollment age: None

• Coverage: Accidents, illnesses, hereditary issues, dental disease

• Reimbursement: 70–90%

• Annual limits: $2,500 to unlimited

• Waiting period: 14 days

Why it’s great: Backed by the ASPCA, this insurer offers flexible options and no upper age limit, making it one of the most senior-friendly policies. Optional wellness care available.

5. Figo Pet Insurance

• Maximum enrollment age: None

• Coverage: Accidents, illnesses, hereditary conditions, cancer

• Reimbursement: Up to 100%

• Annual limits: $5,000 to unlimited

• Waiting period: 1 day (accidents), 14 days (illness)

Why it’s great: Figo offers unlimited coverage and 100% reimbursement—rare in the industry. Ideal for senior cats that may require long-term treatments. Also includes 24/7 virtual vet access.

Estimated Monthly Premiums for Senior Cats

Premiums vary by cat’s age, breed, health, and location. Here’s a general estimate for a 12-year-old domestic shorthair:

Note: These are ballpark ranges. Use online quote tools for exact pricing.

Common Exclusions to Watch For

Even the best policies won’t cover everything. Typical exclusions include:

• Pre-existing conditions

• Cosmetic procedures (declawing, ear cropping)

• Experimental treatments

• Preventive care (unless you buy a wellness rider)

• Breeding or pregnancy-related care

Always read the fine print before enrolling.

Tips for Insuring an Older Cat

1. Don’t Delay – The older your cat, the more expensive insurance becomes. Lock in a policy before new health issues arise.

2. Get Medical Records – Be ready to provide full vet history. Some companies may require recent exams.

3. Consider a Wellness Plan – Not always necessary for seniors, but may help with routine visits and dental cleanings.

4. Use an Aggregator – Sites like Pawlicy Advisor or PetInsurer help compare multiple quotes at once.

5. Ask About Chronic Illness Limits – Make sure ongoing conditions like diabetes or arthritis are covered long-term.

Alternatives to Pet Insurance

If traditional insurance isn’t feasible, consider:

• Pet Savings Accounts – Set aside money monthly for future care

• Veterinary Discount Plans – Some clinics offer membership programs with lower fees

• CareCredit – A medical financing option for unexpected vet expenses

Final Thoughts

Yes, you can and should get pet insurance for your senior cat. While premiums may be higher than for younger pets, the potential savings from treating chronic illnesses or emergencies are significant. Choosing a provider with no maximum age limits, chronic condition coverage, and customizable options will ensure your older feline gets the care they need in their twilight years—without adding financial stress.

Whether your cat is 10, 12, or even 16, it’s never too late to protect their health—and your wallet. Start comparing plans today and give your senior cat the comfort and security they deserve.