Pet insurance for older cats
by Nationwide®
We believe every cat deserves the best health care
See coverage options for your
Protect your older cat’s health with a pet insurance policy
Select from plans that cover injuries and wellness care.
How pet insurance works for older cats
Cat insurance for senior pets helps you provide the best care possible for your cat.
Visit your vet
Visit any vet, including specialists and emergency providers.
Submit your claim
Submit a claim along with your paid invoice.
Get reimbursed
Receive reimbursement for eligible vet expenses.
Coverage built around your senior cat
With over four decades of experience protecting senior cats, we know that coverage counts.
Every Nationwide pet insurance member enjoys:
Always There Pet CareSM
Use any vet, anywhere
VetHelpline®
Unlimited, 24/7 virtual pet telehealth
Nationwide PetRxExpress®
Save money on pet meds
*Important Disclosures: Insurance explanations and reimbursement examples are informational only; actual coverage is determined by your policy terms. Plans and coverages may not be available in all states and may be subject to waiting periods, underwriting review, deductibles, coinsurance, and/or annual limits. Policy terms and eligibility may vary and are subject to change. Exclusions, policy conditions, and limitations apply. Pre-existing conditions may be excluded from coverage. Review your policy documents for full details. Premiums may increase at renewal for reasons including but not limited to pet's age, location, or claim history.
Reimbursement example reflects Modular Pet Insurance Plan with Accident, optional Illness and optional Wellness Level 2 coverage, with $5,000 annual limit for each category, 80% reimbursement, and a $250 annual deductible that was already met prior to the claim. This plan may not be available in all areas. Pre-existing conditions are not covered. Veterinary bill amount is based on Nationwide claims data in a rolling 12-month period for treatment of specified condition. Treatment cost includes expenses incurred in the first 30 days after initial diagnosis and reflects the 80th percentile of expenses.
[2] Premium shown is based on an 8-year-old Domestic Shorthair cat located in ZIP code 60615 (Chicago, IL), enrolled in the Modular Pet Insurance plan with $5,000 annual limit for Accident only coverage, 70% reimbursement, and a $250 annual deductible. Includes optional wellness coverage with defined annual benefits per condition, up to a $450 total annual benefit. Individual coverage costs may vary by up to $0.02 due to rounding differences. Total cost may vary due to applicable fees and state surcharges. Premium costs may vary by state. Start a quote to view a price estimate specific to your state of residence.
With Nationwide, I’m not worried about having thousands of dollars of vet bills, which is a huge relief.
- Clara, pet parent of Elsi and Sabastian
Health & wellness for older cats
At this age our older pets are true members of the family. Senior cats may mellow out and develop chronic conditions over time, but routine wellness check-ups will keep them from losing that inner kitten spark.
FAQs about older cat pet insurance
Different breeds age at different rates, but on average, a cat is considered “senior” after their 8th birthday.
It’s always a good idea to have a pet insurance plan, no matter your cat’s age. If you’re enrolling your older cat in an accident plan for the first time, certain things may be excluded from coverage as pre-existing. However, preventive care coverage is available without exclusions and is a great way to keep up with your older cat’s annual checkups and wellness care.
We want to make care accessible to as many pets as possible, which is why we try to keep exclusions to a minimum. Please see your policy for full details.
Our older cat plans don’t cover:
- Pre-existing conditions
- Illness
- Congenital & hereditary
- Waste disposal
- Boarding/grooming
- Tax
The monthly premium for a cat insurance plan for an older cat depends on the type of coverage selected but starts at around $4/month.
As a pet parent, you want to make sure providing the care your cat needs doesn’t become a financial burden. Pet insurance policies reimburse you for your pet’s care so you can focus on keeping your pet healthy—not on what it costs.
Unfortunately, pet insurance companies don’t generally cover pre-existing conditions. However, Nationwide does allow members to request reviews of pre-existing conditions that have been cured, in which case an exception may be added so the condition would be covered.
The annual limit depends on the pet health insurance coverage you select for your dog. See your policy documents for details.
A lot of pet insurance companies have come and gone. The key to picking one you can count on is stability and experience. Some insurance companies pay to use the names of well-known organizations. With Nationwide, what you see is what you get: one of the largest and most trusted financial services companies in the world.
Pet insurance policies reimburse you for your cat’s veterinary care—including costs for accidents and wellness care. With Nationwide, you’re free to use any licensed veterinarian.
Prescription food is covered under certain plan types or can be added to other plans with the purchase of an optional rider. Call our sales team to learn more about prescription food coverage options.
Unfortunately, cats that are 8 years and older are not eligible to enroll in hereditary coverage.
You’re free to use any licensed veterinarian, including specialists and emergency providers.
Wellness coverage for routine care is available, including physical exams, vaccinations, flea/tick preventives and more.
The amount of coverage you choose depends on your budget and whether you want wellness coverage for expected costs like checkups and vaccinations.
You can add or reduce coverage during your annual policy renewal period. Note: Certain coverage or product upgrades may require underwriting review.