Finding insurance when your cat is old is a real obstacle course! From the age of 8 or 10, a cat is considered aging, and many providers refuse to take care of it on the pretext that older animals are subject to more illnesses and accidents, and therefore cost more in care. However, rest assured, there are solutions to insure your old cat.
Why take out a cat insurance policy with no age limit?
Age is one of the main factors that come into play when purchasing cat insurance. The overwhelming majority of providers require your animal to be at least 3 months old, and sometimes even 2 months old, in order to detect a possible risk or possible disease in the animal before complete weaning. When your cat is an adult, it is even more difficult. Few insurers agree to take care of your cat when it is over 8 years old, even rarer those who tolerate tomcats until their 10th year.
When the cat turns 11, he officially becomes senior. Its age is equivalent to the 60 years of a human. He therefore loses his ability to detect danger and senility gradually invades him. Over time, he loses his balance, he has difficulty distinguishing between hot and cold, he may lose one or more of his senses, he has more and more difficulty grooming himself, etc. This general state of fragility increases the risk of accidents, falls, fractures and injury. Thus, at an advanced age, it is above all important to find an insurance formula that protects him from accidents and their after-effects.
How to find cat insurance without age limit?
To help you find an insurance plan that’s right for your old cat, here are some tips and advice:
- It is preferable to insure your cat before his tenth year, it will be much easier to find a formula that suits you with an insurer who accepts to take care of him.
- Most insurers who accept to take charge of a cat without age limit will offer you formulas adapted to the breed of your animal and available according to its needs. This allows the insurer to better cover itself in the event of illness or accident. Certain breeds are indeed more fragile than others, some develop specific diseases with age, etc.
- Depending on your budget, it’s up to you to choose the options that suit you. Accident, fall, kidney stones, poisoning or even diabetes, it is up to you to choose the most attractive benefits for your animal.
Before committing, do not hesitate to make online comparisons and ask for detailed quotes. This will make it easier for you to find out which service providers can offer you a solution, and above all at what price and under what conditions!
However, be aware that insurance without age limit for elderly cats will cost you more than a classic formula, because the service provider undertakes to take care of an animal that presents more risks. The formulas are generally à la carte. In addition, make sure that the costs of euthanasia and funeral are well covered, if you want this option to appear in your contract.