Pet Insurance for Older Cats in UK

In this article, we talk about pet insurance for older cats in UK. At first we talk about pet insurance, It is an annual contract that provides cover for the cost of the major risks of owning a cat, including the cost of vet treatment if it is hurt in an accident. This policy provides treatment for up to Lifetime for each new accident, up to £2,500. Each accident is covered for up to Lifeitme, or until your vet fee limit is reached, whichever comes first, as long as your pet remains insured with us.

Compare pet insurance for Older Cats in UK

 

Company Name

Cover Type

Monthly Premium

Annually Premium

Know More

Jhon Lewis Essential Pet Insurance Lifetime £4.64 £55.64 Know More
Animal Friends Super Pet Insurance Lifetime £5.00 £60.00 Know More
Animal Friends Superior Pet Insurance Lifetime £6.14 £73.68 Know More
Emporium Pet Insurance Bronze Lifetime £6.16 £55.99 Know More
Health Pets Insurance Extra Lifetime £6.20 £74.35 Know More
Pet Protect Cat Plus Lifetime £6.42 £77.00 Know More

 

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Cover Type:

Accident Only:

Cover for vet fees, only as a result of a sudden and unexpected injury and within the 12 month policy period. It is important to read the terms and conditions of the insurance provider and the policy wording carefully before purchasing.

Time Limited:

Each new condition is covered up to the financial limit for 12 months. If the limit is reached within the 12 month period the insurance will stop paying for that condition, it becomes pre-existing and is excluded from future claims. It is important to read the terms and conditions of the insurance provider and the policy wording carefully before purchasing.

Maximum Benefit:

Each new condition is covered up to the financial limit, as long as the insurance policy remains in force as there is no time limit on your claim. Once the financial limit is reached the condition becomes pre-existing and is excluded from future claims. It is important to read the terms and conditions of the insurance provider and the policy wording carefully before purchasing.

Lifetime

All new medical conditions are covered up to the financial limit. If the limit is reached during the insurance year, the cover stops until the policy is renewed. At renewal the limit is fully reinstated and the condition will continue to be covered in the policy the following year. It is important to read the terms and conditions of the insurance provider and the policy wording carefully before purchasing.

Features Explained

Vet Fees

This shows the level of cover for Vet Fees provided by the policy. Many providers have limits on the amount paid on a single claim and on the amount that will be paid out during the lifetime of the policy so it is important to read the policy wording carefully and take this into consideration when selecting your policy.

Third Party

This shows the level of cover provided by the policy for Third Party Liability costs. It is important to read the policy wording carefully before purchasing.

Accidental Damage

This shows the level of cover provided by the policy for damage caused to a Third Party’s personal property. It is important to read the policy wording carefully before purchasing.

 

Now we talk about Top 6 pet insurance for older cats in UK.

Jhon Lewis Essential

 

Cover Type Life time

Vet Fees: £3000

(Excess: £140)

Third Party: None

Accidental: £250

Monthly Premium: £4.64 (£55.64 Annually)

Vet fees  

£3000

 Vet fee Excess  

£140.0

 Third party  

None

 Death  

£500

 Accidental damage  

£250

 Advertising  

£500

 Boarding Fees  

NO

 Theft  

NO

 

What is Included?

Veterinary fees cover

  • If your pet needs treatment by a vet for an illness, injury, accident or change in your pet’s health or behavior.
  • Vet fees include putting your pet to sleep, dental care, behavioral training, treatment food and complementary treatments.

Death from illness

  • If your pet dies from illness; or is put to sleep by a vet as a result of illness.

Death from accident

  • If your pet dies as a result of an accident; or is put to sleep by a vet as a result of an accident.

Expenses for referral to another vet

  • If your usual vet recommends that another vet treats your pet.

Accidental damage

  • If while visiting someone else’s property your pet causes accidental damage to personal property.
  • You do not have to be legally liable for the damage to make a claim under this cover.

What is not included?

Veterinary fees cover

  • Vet fees payable for any changes in your pet’s health or behavior you or your vet notice within the first 14 days of the first period of insurance of your policy.
  • Vet fees payable for the death of or injury to your pet as a result of an accident within the first 48 hours of the first period of insurance of your policy.

Death from illness

  • Death arising within the first 14 days of the first period of insurance of your policy.
  • Pets aged 9 and over

Death from accident

  • Death within the first 48 hours of the first period of insurance of your policy.

Pros:

  • Your cat died for illness then its claim is included in this policy plan.
  • Accidental damage is included in this policy plan.
  • Boarding fees is not included in this policy plan.

Cons:

  • Vet fees payable for any changes in your pet’s health or behavior you or your vet notice within the first 14 days of the first period of insurance of your policy is not included.

 

Animal Friends super

Animal Friends is an intermediary registered in the U.K and authorized and regulated by the Financial Conduct Authority (307858). Animal Friends acts on behalf of Red Sands Insurance Company (Europe) Limited who are registered in Gibraltar (87598) and are licensed by the Gibraltar Financial Services Commission. This document provides a summary of the main policy coverage’s and exclusions and is not personalized to your specific needs. Complete pre-contractual and contractual information on the product is provided on our website and in your policy documentation.

Cover Type Life time

Vet Fees: £1000

(Excess: £99)

Third Party: £1.5 Million

Accidental: None

Monthly Premium: £5.00 (£60.00 Annually)

Vet fees  

£1000

 Vet fee Excess  

£99

 Third party  

£1.5 Million

 Death  

£500

 Accidental damage  

Not included

 Advertising  

Check policy documents

 Boarding Fees  

£500

 Theft  

£500

 

What is insured?

  • Cover for vet fees for accidents, illnesses and conditions up to the annual condition limit. This limit refreshes at renewal
  • If your pet passes away during the policy year we will pay a percentage of the market value, the price you paid or your policy limit
  • Cover for third party death, injury or property damage as a result of an accident involving your pet where you are found legally liable
  •  Cover for up to a maximum of £200 towards the cost for advertising and reward for your lost pet
  • Cover for the cost of boarding your pet should you have to spend more than 4 consecutive days in hospital
  • Cover for emergency vet treatment if you are abroad on holiday
  • Cover for up to £500 for complementary treatment

 

What is not insured?

  • Any illness or condition which is present or has clinical signs or symptoms before taking the policy out or occurs in the first 14 days of the policy
  • Any accident which occurs in the first 5 days of the policy
  •  Any dental or gum treatment
  • The cost of any treatment for behavioral problems See your policy documentation for further details

 

Pros:

  • Accidents damage of your cat is included in this policy plan.
  • Death by illness of your cat is cover in your insurance policy plan.
  • Advertising cover and theft cover included in this policy plan.

Cons:

  • Dental treatment is not included in this policy plan.

Animal Friends Superior

 

Cover Type Life time

Vet Fees: £2000

(Excess: £99)

Third Party: £1.5 Million

Accidental: None

Monthly Premium: £6.14 (£73.68Annually)

Vet fees  

£2000

 Vet fee Excess  

£99

 Third party  

£1.5 Million

 Death  

£750

 Accidental damage  

Not included

 Advertising  

None

 Boarding Fees  

£750

 Theft  

£750

 

What is insured?

  • Cover for vet fees for accidents, illnesses and conditions up to the annual condition limit. This limit refreshes at renewal
  •  If your pet passes away during the policy year we will pay a percentage of the market value, the price you paid or your policy limit
  •  Cover for third party death, injury or property damage as a result of an accident involving your pet where you are found legally liable
  • Cover for up to a maximum of £200 towards the cost for advertising and reward for your lost pet
  •  Cover for the cost of boarding your pet should you have to spend more than 4 consecutive days in hospital
  • Cover for emergency vet treatment if you are abroad on holiday
  • Cover for up to £500 for complementary treatment

 

What is not insured?

  • Any illness or condition which is present or has clinical signs or symptoms before taking the policy out or occurs in the first 14 days of the policy
  • Any accident which occurs in the first 5 days of the policy
  • Any dental or gum treatment
  • The cost of any treatment for behavioral problems See your policy documentation for further details.

 

Pros:

  • Accidental damage in cover in this cat insurance policy plan.
  • Treatment in abroad is included in this policy plan.
  • Complementary treatment is cover in this policy plan.

Cons:

  • Death by illness is not cover in this policy plan.

 

Emporium Pet Insurance Bronze

This Insurance Product Information Document is only intended to provide a summary of the main coverage and exclusions, and is not personalized to your specific individual needs in any way. Complete pre-contractual and contractual information on the product is provided in other documents; your sum insured is shown on your Policy Schedule. The policy provides vet’s fees cover throughout the life of your pet as long as the premiums are kept up to date.

Cover Type: Life time

Vet Fees: £2500

(Excess: £115)

Third Party: None

Accidental: £700

Monthly Premium: £6.16 (£55.99 Annually)

Vet fees  

£2500

 Vet fee Excess  

£115
+5% for pets under 8 will be applied to the rest of the vets bill.

 Third party  

None

 Death  

£1000

 Accidental damage  

£700

 Advertising  

£750

 Boarding Fees  

£750

 Theft  

£1000

 

What is insured?

  • Vet’s fees – treatment/complementary treatment following an injury, illness or condition.
  • Death of pet.
  • Cost of boarding your pet if you are hospitalized for at least 3 days.
  • Cost of cancellation or curtailment of your holiday if within 14 days of departure your pet needs emergency life-saving surgery.
  • Loss by theft or straying if not found within 28 days of being lost or stolen.
  • Cost of advertising for the return of your pet and payment of a reward leading to its return.
  • Accidental damage to another’s personal property.
  • Your legal liability to others for compensation and costs arising out of your ownership of your dog.
  • Income lost following your being bitten by your pet.

Elective Benefits:

  • 24 hour lost and found service.
  • Vet’s fees, death, theft or straying whilst in Europe, quarantine expenses, replacement pet travel documents and repatriation of your pet’s body or disposal in Europe.
  • Euthanasia and cremation costs.
  • 24 hour vet helpline.
  • Premium waiver if you are hospitalized, sustain an accidental bodily injury, die or are unemployed.
  • Telephone legal advice about your pet.

What is not insured?

  • Costs over the amount shown in your policy schedule.
  • Injury, illness or condition which existed before the insurance began or reviews.
  • Injury, illness or condition which displayed clinical signs within 14 days of the start of your policy.
  • Any condition excluded from cover.
  • Costs not supported by a receipt or invoice.
  • Death due illness where your pet is aged 8 years or over at the policy start or review date.
  • Death occurring 365 days after an injury, illness or condition first displayed clinical signs.
  • Theft of your pet which doesn’t involve forcible and violent entry.
  • Damage caused by your pet vomiting, defecating or urinating or whilst being left unattended.
  • Death or bodily injury, loss or damage to property owned by you or any person handling your dog with your permission or consent.
  • Any pet that is known to have vicious tendencies or behavioral problems.

Pros:

  • Death by illness is cover in this policy plan.
  • Legal advice fees is included in this policy plan.
  • Accidental damage is included.

Cons:

  • Costs not supported by a receipt or invoice is not included.

Health Pets Extra

 

Cover Type: Life time

Vet Fees: £2000

(Excess: £99)

Third Party: None

Accidental: None

Monthly Premium: £6.20 (£74.35 Annually)

 

Vet fees  

£2000

 Vet fee Excess  

£99

 Third party  

None

 Death  

£500

 Accidental damage  

Not included

 Advertising  

£500

 Boarding Fees  

£500

 Theft  

£500

 

What is insured?

  • Cover for vet fees for accidents, illnesses and conditions up to the annual condition limit. This limit refreshes at renewal
  • If your pet passes away during the policy year we will pay a percentage of the market value, the price you paid or your policy limit
  • Cover for third party death, injury or property damage as a result of an accident involving your pet where you are found legally liable

Vet Fees – Your Sum insured – £

  • All reasonable costs for treatment of your Pet by a Vet for Accidents and Illness if applicable
  • Vet fees covered within the UK
  • Cover for cruciate treatments
  • Cover for the use of complementary medication

Third Party Dog Liability -Your Sum Insured – £1,000,000

  • Liability cover if someone is injured by your Dog
  • Liability cover if someone’s property is damaged by your Dog.

What is not insured?

  • There is no cover outside of the UK unless specified
  • In the event of a claim you are responsible for the first monetary amount of each claim, known as an excess, the amount is detailed in the Policy Schedule where applicable.
  • Other exclusions and sub-limits apply see policy wording
  • Dental treatment cover unless caused by an accident
  • Cats are not covered for 3rd Party Liability
  • Preventative medications

Pros:

  • All reasonable costs for treatment of your cat is covered in this pet insurance plan.
  • Accidental damage in cover in this cat insurance policy plan.

Cons:

  • Treatment in abroad is not included in this policy plan.

Pet Protect Cat plus

Their Lifetime Plus policy provides cover for your pet’s vet fees for illnesses and injuries. The Lifetime Plus policy has an annual benefit limit which is replenished at renewal as long as you continue to renew your policy without any break in cover

Cover Type Life time

Vet Fees: £4000

(Excess: £75)

Third Party: None

Accidental: None

Monthly Premium: £6.42 (£77.00 Annually)

 

Vet fees  

£4000

 Vet fee Excess  

£75
An additional excess of +10% of the cost of the claim will apply for your cats that are aged 1 to 4

 Third party  

None

 Death  

£500

 Accidental damage  

Not included

 Advertising  

No

 Boarding Fees  

£250

 Theft  

£750

 

What is insured?

  • Vet fees up to a maximum of £4000 per policy year for examinations, consultations, advice, tests, X-rays, medication, surgery, nursing, prescription diet food and care provided by a veterinary practice and/or if instructed by a vet
  • CT and MRI scans included as part of the vet fee limit and covered up to a maximum of £750
  • Cruciate ligament rupture, tear or damage included as part of the vet fee limit and covered up to a maximum of £750
  • Complementary medicines such as hydrotherapy, herbal or homeopathic medicine, physiotherapy and acupuncture included as part of the vet fee limit up to a maximum of £450.
  • Prescription diet food as part of the vet fee limit up to a maximum of £100 ü Dental treatments for non-cosmetic and non-preventative dental problems included as part of the vet fee limit up to a maximum of £500
  • Costs for putting your pet to sleep (euthanasia), if recommended by the vet
  • Loss of pet if it is stolen or strays. Cover is based on the price paid for your pet and provides cover for up to a maximum of £750
  • Recovery of pet if it is stolen or strays and includes advertising and reward costs up to a maximum of £250
  • Reimbursed purchase price of your pet covered up to a maximum of £500 if your pet dies as a result of an accident (applies to dogs aged under 8 only)
  • Kennel or cattery fees covered up to a maximum of £250 if you are injured or ill and have to go into hospital for over 48 hours
  • Holiday cancellation fees covered up to a maximum of £250
  • Travel cover, when activated, up to a maximum of £1000 if you are taking your pet abroad for a maximum period of 31 days per policy year
  • Third Party Liability for an incident involving your pet when property is damaged or any person is killed or injured and you are held legally responsible (applies to dogs only). Covered up to £1million for each incident

What is not insured?

  • Any pre-existing conditions, including injuries or illnesses that showed clinical signs before your cover started
  • Routine pre-operative screenings or blood tests without symptoms of any illness or disorder and other preventative and routine treatments
  • Cost of killing and controlling parasitic conditions including, parasites and mites, or measures to rid your pet of internal or external parasites, and any claims arising as a result of these procedures
  • Behavioral programs including training equipment
  • Cost of treatment abroad except as covered under travel cover
  • Cost of having your pet cremated, buried or disposed of
  • Costs to put your pet to sleep for financial reasons or to comply with the Dangerous Dogs Act 1991 and the amendment 1997 or the Dangerous Dogs Act Order 1991 (Northern Ireland) or any subsequent amendments
  • Vet fees to treat an illness or injury related to your pet being pregnant or giving birth.

Pros:

  • Holiday cancellation fees covered up to a maximum of £250
  • CT and MRI scans included.
  • Physiotherapy and acupuncture included.

Cons:

  • Behavioral programs including training equipment is not cover in this policy plan.

 

Conclusion:

 

When we compare all insurance companies detail for pet insurance for Older cats In UK now we conclude that Jhon Lewis Essential Pet insurance company rate is very low for this type of pet insurance.Jhon Lewis Essential Pet insurance and Animal Friends super companies give you only a cheaper rate but not give you all the basic facilities.We talk about Pet Protect Cat Insurance company monthly rate was higher than some other company but it gives you all the features what you want.Jhon Lewis Essential Pet insurance, Animal Friends super insurance and Animal Friends Superior pet insurance policy for cat don’t take any additional charges like adjustment fee, Duplicate document fee and Payment default fee.

When we research on all pet insurance for older cat in UK then we concluded that Animal Friends Superior Pet Insurance company plan is the best pet insurance plan in all these plan. I know it’s monthly price is higher than other but they fill up all your demands and conditions. But please note one thing this is our personal review on this. Although we seek to ensure that the information provided on this policy is accurate, we cannot accept any liability for any errors or omissions, including where features of the policy have changed since we last reviewed them.

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