What’s more beautiful than having a cat at home? No matter what type of cat you have, a kitten or an elderly adult cat, they always bring joy and comfort.
But, it’s a fact that as cats get older, their health needs to increase, and the cost of taking care of them can become a major expense.
So you may need something to help you cut costs of medical needs for your cat – yes, you guessed that right, pet insurance.
But what’s the best pet insurance for older cats? How do you even go about finding the right policy?
Well, don’t worry, as in this guide, I will discuss some of the best pet insurance for older cats and the factors you should consider when selecting one.
But first, let me give you an idea of cat insurance.
What Is Cat Insurance
Cat insurance is a policy that covers medical expenses for your cat in the event of injury or illness.
As cat ages, it becomes more prone to various illnesses and injuries.
Cat insurance helps you manage the cost of veterinary care for your cat, whether it’s a routine checkup or emergency surgery.
The Best Pet Insurance for Older Cats
There is no doubt finding the best insurance for your senior cat is no easy task. With so many companies out there, it can be difficult to tell which ones offer the best coverage.
But don’t worry. I did a lot of research, so you don’t have to.
I have compiled a list of top-rated pet insurance policies for older cats that you can choose with your eyes closed.
These policies include:
- Embrace Pet Insurance
- Trupanion Cat Insurance
- Many Pets Insurance
- Fetch Pet Insurance
- Figo Pet Insurance
Embrace Pet Insurance
The dedication of embrace pet insurance to their customers and their deep affection for animals helped me have them at the top of my list.
They include any non-preexisting health emergency, from a minor stomach bug to a significant medical illness, including mishaps, injuries, oral accidents and diseases, diagnostics, surgeries, and medications.
All the doctor’s appointments, trips to the emergency room, magnetic resonance imaging (MRI), spinal fluid (CSF) removal, and ongoing medication needs.
When pet owners need it, Embrace Pet Insurance will be there to offer real compassion and peace of mind.
Pros
- Insurance plans tailored to the needs of older cats, covering accidents and illnesses
- Caring Service
- Instantaneous Processing of Claims
- Round-the-Clock Policy Administration
Cons
- They do not cover pre-existing conditions
- The annual coverage limit of $30,000
Pricing
An Embrace pet insurance policy can cost you around $15-$30per month.
Trupanion Pet Insurance
Trupanion offers one of the best senior cat insurance policies. Accidents and illnesses are covered, as well as breed-specific and congenital conditions, with a Trupanion plan.
What sets Trupanion apart from the competition is that they pay directly to the vet, so you don’t have to worry about out-of-pocket costs.
Plus, their customer service is top-notch and will help you with any questions or concerns.
They also have a 30-day money-back guarantee, so you can simply ask for a refund if you are unsatisfied with their service.
Pros
- 30 days money back guarantee
- Best Customer Service
- A+ rating on better business bureau
Cons
- Strict Age Limit Of 14 Years Old
- No discounts on a multi-pet plan
Price:
Trupanion Cat Insurance can cost you around $25-$35 per month.
Many Pets Insurance
Another reliable and cost-effective option for senior cat insurance is Many Pets Insurance. They are pretty new in the town, so they have some attractive offers.
They also provide coverage for accidents, illnesses, hereditary and congenital conditions.
The key thing where Many Pets Insurance stands out from others is they have a 15-day waiting period for their accident and illness coverage that is reduced to literally 24 hours if you switch from a different insurance provider.
Yes, it is true.
Isn’t that surprising?
Pros
- Low premiums
- 24 hours waiting period for switching from another provider
- Faster claims processing
Cons
- Average customer support
- Reimbursement is usually sent via mail
Price:
Many pet insurance can cost you around $15-$20 per month.
Fetch Pet Insurance
Fetch Pet Insurance, formerly Petplan, is another excellent choice for senior cat owners. They provide a range of plans that cover accidents and illnesses and comprehensive coverage for multiple conditions.
This policy will pay for emergency veterinary care, hospitalization, pet care, and incentive postings if your pet goes missing or is kidnapped.
In addition to conventional medical care, alternative treatments and veterinary-prescribed supplements are also covered.
Pros
- Comprehensive coverage for multiple conditions
- Covers exam fee
- Healthy Pet Credit can save you up to 30% on insurance costs
Cons
- No wellness plan
- Only limited to cats and dogs
Price
You can expect to pay around $25-$30 per month for Fetch Pet Insurance.
Figo Pet Insurance
Figo is an excellent option if you’re a senior cat owner seeking comprehensive health insurance. Its insurance covers various medical needs, including orthopedics, hip dysplasia, pharmaceutical, dentistry, and even cancer.
Figo provides a helpful app with tools for controlling your pet’s wellness, such as setting care appointments, connecting with a physician around the clock, checking your pet’s medical data, and submitting and monitoring complaints.
The Figo accident and sickness insurance plans are offered in all 50 states. The Figo cloud app, the phone service, mailing, or fax can all be used to submit a claim.
It takes no longer than ten days to process a claim, and users can check on the progress of their submission using the Figo mobile app.
Pros
- A Robust Figo Cloud App
- 24/7 access to doctors
- It has a 100% reimbursement option
Cons
- It does not cover pre-existing conditions
- 6 months waiting period for orthopedic problems
Price:
You can expect to pay around $25-$35 per month for Figo Pet Insurance.
These were some of the best pet insurance policies for older cats. Depending on your budget and preferences, you can select the one that you think is the best.
Ways To Get The Most Out Of Your Policy
So now, if you have finally decided to get pet insurance, here are a few tips to get the most out of your policy:
It is always a good idea to compare different policies and ensure you get the best coverage for your budget.
You should also read the fine print to see what is and isn’t covered by your policy.
Some companies also offer discounts for multiple pets or if you bundle up two types of policies. So don’t forget to ask about these discounts. Who knows, you might end up being able to save some money.
With a little bit of research and careful planning, you can find the best pet insurance for your elderly cat that will provide much-needed protection in case of an unexpected medical bill or other expenses.
Making The Decision: Which Pet Insurance Is Best?
So, here comes the million-dollar question- Which pet insurance to choose for your senior cat?
To be honest, the decision is all yours.
The companies I mentioned in this list are all reliable and have a good track record. But, as I said, every pet insurance policy has different benefits and requirements.
So…
Before you select any pet insurance, I would also suggest doing some research on your behalf.
This way, you will find the best pet insurance policy that suits your needs and cat’s requirements.
Wrapping Up
Ultimately, the best pet insurance for an elderly cat is the one that allows you to give your cat the finest care possible without breaking the bank.
You should always be ready for the unanticipated. Our senior cats can provide us with a lot of love and comfort, but they can also cause us a lot of stress and expense as they age due to mishaps and illnesses.
You and your pet might feel more secure knowing that you have the backing of a solid pet insurance policy.
Having pet insurance is a must if you want to ensure that they receive the best possible care in the event of an accident or illness.
Frequently Asked Questions
Cat Insurance can cover the vet bills associated with your cat’s accidental injury or illness. Depending on the plan, it may also cover preventive care, dental care, and alternative therapies.
It’s no secret that cat insurance can help you save a lot of money, but there are certain things it does not cover. Pre-existing conditions and hereditary or congenital issues are usually not covered by most pet insurance policies.
Yes, the cost of cat insurance for senior cats increases since they are more prone to health issues. However, it is still much lower than if you pay out of pocket for unexpected medical bills.
Absolutely, yes! Pet insurance can help you care for your cat’s health without worrying about the financial burden. It is worth it and can save you a lot of money in the long run.