senior cat insurance

For more memories together.

  • No upper-age restrictions
  • Alternative therapies covered for eligible conditions
  • Access to 24/7 telehealth services

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the right coverage for your senior cat

Complete CoverageSM for Senior Cats

When your senior cat has unexpected

  • Accidents

    Coverage for bite wounds, lameness, swallowed objects, and more

  • Behavioral Issues

    Eligible diagnosis and treatments for behavioral problems with symptoms like destructive scratching

  • Hereditary Conditions

    Inherited disorders such as kidney or heart disease

  • Illnesses

    Includes minor ailments like colds to serious diseases like cancer

Complete CoverageSM can cover

  • Diagnostics

    Think X-rays, MRI, blood tests, urinalysis, ultrasounds, etc.

  • Therapies

    Includes acupuncture, PT, and other therapies for covered conditions

  • Hospitalization

    Coverage when your cat needs to stay overnight

  • Prescriptions

    Get reimbursed for your senior cat’s FDA-approved meds*

For a full list of covered conditions, view a sample plan.

Alternate & Add-On Plans

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why get coverage?

Pet insurance isn’t just for kittens! Your senior cat may be as spry as ever, but as their age increases, so does the risk of developing serious health problems like arthritis, kidney disease, or even cancer. The best way to take care of a senior cat is through proactive planning and daily care, but with more health challenges on the horizon, having pet insurance can give you peace of mind by reimbursing you for eligible care when accidents or illnesses strike.

FAQs frequently asked questions about our senior cat insurance plans

We do! Unlike some other pet insurance plans, there’s no upper-age limit to enroll in an ASPCA® Pet Health Insurance plan, and you can enroll them as young as eight weeks. From kittenhood to those final golden years, we help you get your feline friend the essential care they need throughout every stage of their life.

Absolutely. From chronic conditions like diabetes to hereditary conditions like kidney disease, there are plenty of illnesses that your cat can develop as they age, and treatments can be costly. Enrolling your older cat in a Complete Coverage℠ plan can help them get essential veterinary care for expensive accidents and illnesses throughout their golden years. That way, you can focus on more moments together knowing you've got their back when it comes to any unexpected health issues.

The cost of getting your pet enrolled in a coverage plan depends on a few factors, including their age, breed, plan choice, and zip code. Older cats are more vulnerable to accidents, illnesses, and conditions that require more frequent and expensive medical care, so their monthly premium may be higher than that of a kitten.

However, with an ASPCA® Pet Health Insurance plan, you have the power to customize your plan by choosing your own annual limit, annual deductible, and reimbursement percentage, all of which play into keeping your monthly premium low. To get a tailor-made price for your senior cat, get a free quote!

With the ASPCA® Pet Health Insurance program, you can customize the best plan for your aging feline friend based on their unique needs and your budget. When it comes to covering older cats, there are plenty of options available. With the ASPCA® Pet Health Insurance program, there are no upper-age restrictions, so you can choose your level of coverage and customize your plan as you see fit. For comprehensive coverage that pays you back for eligible costs of accident, illnesses, and more, choose Complete Coverage℠. For protection against just injuries, Accident-Only can help you afford the cost of care without breaking the bank. If you’d like to keep up with routine care while getting paid back for it, add Preventive Care Coverage to either base plan.

Absolutely not! Cats over the age of 11 should visit the veterinarian at least twice a year so any health issues can be detected on, and a senior cat insurance plan can help cover those eligible costs. There are no upper-age restrictions for enrolling in an ASPCA® Pet Health Insurance plan, and we don’t limit or reduce your coverage, so your senior cat can get the care they require in their golden years.

customize your plan to help fit your budget

  • Annual Limit

    Select a lower annual limit to pay a lower premium.

  • Annual Deductible

    Pick from $100, $250, and $500 annual deductible options.

  • Reimbursement Percentage

    Choose a higher reimbursement percentage for more cash back on covered conditions.

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getting reimbursed is as easy as 1-2-3

  • Visit

    Take your senior cat to the veterinarian of your choice and pay them as usual.

  • Submit

    Use our app to submit a claim even before you leave the veterinary clinic.

  • Cash Back

    Receive reimbursement for eligible expenses by direct deposit or check.

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A cat peacefully resting on a bed next to a glowing light bulb.