Last updated: September 2, 2025
Many owners search for cheap cat insurance for older cats UK 2025 as premiums rise once cats reach senior age. The good news is that affordable options are still available — from accident-only policies to lifetime cover with higher excess.
In this guide, we explain why senior cat insurance costs more, the cheapest policy types, and how to save money without leaving your pet unprotected.
👉 Quick answer: Accident-only and time-limited policies are cheapest, while lifetime cover offers the best long-term protection.
🐾 Why Does Cat Insurance Cost More for Older Cats?
From around 7–8 years old, cats are classed as “senior” by most UK insurers. At this point, premiums increase steadily because:
- Older cats are more likely to develop chronic conditions.
- Vet bills are higher as pets age.
- Breeds prone to hereditary problems face extra costs.
By the time your cat is 10+, premiums for lifetime cover can reach £20–30/month.
According to MoneyHelper, premiums for senior cats reflect the higher likelihood of costly illnesses like kidney disease or diabetes.
➡️ Related: Old Cat Insurance UK 2025 — Pet Insurance for Senior Cats Explained
💷 Cheapest Types of Cat Insurance for Older Cats UK 2025
1. Accident-Only Policies
- From: ~£7/month
- Covers accidents (e.g., broken bones, road traffic injuries).
- Cheapest option, but excludes illness.
- Best if you only want basic emergency cover.
2. Time-Limited Policies
- From: ~£10–15/month
- Covers illness/accidents for up to 12 months per condition.
- More affordable than lifetime, but excludes chronic conditions after time limit.
- Suitable for owners on a budget who still want illness cover.
3. Lifetime Policies (with Higher Excess)
- From: ~£20/month for cats 10+ years
- Best protection, covering recurring and chronic conditions.
- Raising the excess (your contribution per claim) keeps monthly costs lower.
- Ideal balance of cover vs affordability if you can stretch the budget.
➡️ Related: Best Cheap Pet Insurance Providers UK (2025 List)
🐱 How to Save on Cheap Cat Insurance for Senior Cats
Even with rising premiums, you can reduce costs:
- Compare providers annually — prices can vary by 30%+.
- Choose a higher excess — lowers your monthly premium.
- Look for multi-pet discounts if you insure more than one animal.
- Pay annually instead of monthly to avoid extra finance fees.
- Avoid extras you don’t need — e.g., overseas travel cover for indoor cats.
➡️ Related: Cheap Pet Insurance UK 2025 – Affordable Options for Dogs & Cats
🦷 Dental and Other Exclusions
Dental disease is common in older cats, but cheaper insurance policies often exclude it. Some only cover accident-related dental treatment, not illness.
Other common exclusions include:
- Pre-existing conditions diagnosed before cover starts
- Routine care (vaccinations, flea/worming)
- Certain hereditary issues in older breeds
The RSPCA stresses the importance of checking small print so you know exactly what’s covered.
➡️ Related: Does Pet Insurance Cover Dental Treatment in the UK?
📊 Average Costs of Cheap Cat Insurance for Older Cats
Typical UK costs in 2025:
- Cats aged 7–9: £15–20/month (lifetime).
- Cats aged 10–12: £20–30/month.
- Cats aged 13+: £30+/month.
Accident-only stays cheapest at all ages, but may not protect against long-term illnesses like arthritis or diabetes.
❓ FAQs — Cheap Cat Insurance for Older Cats UK 2025
Is it worth insuring a 12-year-old cat?
Yes — even though premiums are higher, one operation can cost £1,000+.
What’s the cheapest insurance for senior cats?
Accident-only cover is cheapest, but time-limited strikes a balance between affordability and illness protection.
Can I get lifetime cover for cats over 10?
Yes, but expect higher premiums and sometimes co-payments (you pay a percentage of each claim).
Does cheap insurance cover dental?
Usually not, unless caused by an accident. Illness-related dental problems are often excluded.
Can I switch insurers if my cat is older?
You can, but new insurers won’t cover pre-existing conditions. It’s usually better to stay with your current provider.
✅ Final Thoughts
Cheap cat insurance for older cats is possible in 2025, but it usually means sacrificing some cover. Accident-only and time-limited plans are the lowest cost options, while lifetime policies provide the best protection at a higher price.
👉 The key is to compare providers and choose a policy that balances affordability with the peace of mind your cat deserves.
