Insurance for old/senior cats

Cat insurance for old cats - even without age restrictions with doc4pets insurance powered by Smart Paws

Your cat has already had a few years behind him and has experienced a lot. However, you want your cat to still receive health insurance coverage, even if it is a little older.

  • Is there still cat insurance for older cats?
  • Do previous illnesses play a role in accepting an application for an old cat?

As with us humans, it is often the older cats who increasingly have to struggle with illnesses. In cats, some particularly acute illnesses stand out, which occur more frequently with increasing age. The costs at the vet can sometimes add up considerably. The older the cat, the longer and more expensive the treatments are. While a young cat quickly recovers from a fracture after an accident, a 14-year-old cat can require weeks of follow-up treatment. After all, a 14-year-old cat would correspond to a human age of 72 years.

Diseases in older cats are often underestimated!


As with humans, it is often old cats that increasingly struggle with illnesses. For cats aged 8 and over, the developing diabetes or chronic kidney failure The costs of teeth or recurring gum infections should not be underestimated as you get older. Other common age-related diseases in both indoor and outdoor cats include hyperthyroidism and hepatitis (inflammation of the liver).

Depending on the preliminary examinations, type of treatment, long-term medication and recurring check-ups, ongoing veterinary costs can run into the thousands (a life expectancy of 18 years is not uncommon for cats). The options for taking out cat health insurance , which limits the financial risk, are often very limited at this point in time with many pet insurance companies, not only due to age, but also due to previous health problems. Different with us!


Problems Buying Health Insurance for Senior Cats


The topic of pet health insurance is not easy, especially for cat owners. Only a few insurers even offer such policies, even fewer cat health insurance for old cats, where previous illnesses and old age increase the risk for the insurer. If at all, insurance companies in the area of ​​cat health insurance for older cats often only offer tariffs with high deductibles or exclusions of benefits in the areas of pre-existing illnesses.

Cat health insurance premiums for older cats also typically increase with age. It is therefore best to take out health insurance for your four-legged friend as early as possible and not wait until you are dependent on special cat health insurance offers for older cats.

Of course, this advice won't help if it's already too late. Now here's the good news - doc4pets insurance powered by Smart Paws also insures old cats over the age of 8 and also with previous illnesses.

What do you risk without health insurance?


The biggest problem you face is when your pet's life can only be saved through surgery. Compared to the average drug treatment, surgery is an expensive undertaking. Therefore, in such a case, you are often faced with the decision of either paying the vet bill, or at least an advance, in advance or having your pet euthanized. Cat health insurance for older cats frees you from this dilemma because the insurance policy ensures payment of the vet bill in advance.

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Overview of cat health insurance rates for cats over 8 years old

Of course, with the insurance from doc4pets powered by Smartpaws, you can also have your animal treated at any other veterinarian and are not tied to our practices!

As you can see below, you can choose between our partner Smartpaws three tariff classes (Optimal, Classic and Basic). It is understandable that you want the best possible care for your cat. However, this doesn't necessarily mean that you should always choose the most expensive plan. Why?

  • On the one hand, young cats generally do not need as much veterinary care as older cats, for example (pancreatitis).
  • In part, this is also a question of attitude - outdoor cats are certainly more often embarrassed by fights, foreign objects or car accidents than pure domestic cats
Therefore our tip - if you are unsure whether you even need cat health insurance, then choose a lower tariff - you can upgrade with us at any time!

To give you a better idea of ​​what you might incur on average in terms of treatment costs, we have given you a few examples here:

Average cost for veterinary treatments for cats

  • general examination approx. 45 EUR
  • Amputation limbs approx. 650 EUR
  • CT teeth cat (Stw. FORL) approx. 340 EUR
  • Removing foreign bodies from the nose/throat (awn etc.) approx. 230 EUR
  • Blood count approx. 120 EUR
We offer your pet lifelong insurance coverage.   
 
TariffOptimal care Classic Care  
Total annual limit to cover the following5.000 € 2.500 €  
Veterinary advice and physical examination, diagnosis, treatment including costs of surgery, care and medication for any illness, disease or injury√ √  
      
Complementary therapies recommended by your veterinarian including physical therapy, hydrotherapy, acupuncture and chiropractic√ √  
        
Emergency dental treatment resulting from an accidental injury or as a side effect of a serious illness or injury. √  √  
      
Your insurance cover also applies to important emergency treatment while traveling abroad. √  √  
Prescription food40% up to €200 pa 20% up to €150 pa  
Costs of prescription medications for chronic illnesses50% up to €750 pa40% up to €500 pa
      
★      Reimbursement according to the veterinary fee schedule – 3 times the GOT rate (4 times the GOT rate for emergencies)  
★ ★  EXCLUSIVE: In each insurance year in which you do not submit an invoice, you will receive a 15% discount on the following year's premium.  
For each new diagnosis in an insurance year, you only pay the deductible of €100, as well as an additional payment of 20% on each invoice submitted. The deductible and co-payment must be made each insurance year.   
What is not insured?     
Pre-existing conditions : We do not cover costs associated with the diagnosis or treatment of illnesses or injuries that occurred or showed symptoms before the start of insurance coverage.  
Pregnancy or infertility : Costs related to pregnancy, false pregnancy or infertility are excluded.  
Routine or preventive treatments such as vaccinations, flea, tick or worm treatments, grooming, preventive dental treatments or weight control treatments.  
Insurance for young cats
< 8 years
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  1. Insurance for old/senior cats
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