senior cat insurance made simple for new caregivers

Why it matters after age seven

Older cats are wonderful companions, but age can bring arthritis, kidney issues, or dental disease. Senior cat insurance helps you budget for surprise costs, so you can say yes to treatment without hesitation.

Typical coverage and gaps

Most policies help pay for unexpected illness or injury, not routine wellness. Pre-existing conditions are usually excluded, and waiting periods apply. Look for coverage that includes tests and ongoing care.

• Emergency visits and hospitalization
• X-rays, ultrasound, and lab work
• Chronic condition management (e.g., diabetes, hyperthyroidism)
• Dental illness treatment, not routine cleanings
• Prescription medications and specialty diets
• Rehabilitation or acupuncture if your plan allows
• Euthanasia and cremation fees in compassionate situations

How to choose a plan

When comparing, note the deductible, reimbursement percentage, and annual limits. Ask about exam fee coverage, wellness add-ons, and direct-pay options. Enroll before problems appear to avoid exclusions; some insurers cap new enrollments at advanced ages.