Older cat insurance
Peace of mind when your feline companion is in their senior years.
Cat insurance is administered by Insurance Factory Limited.
Why choose us?
Co-op Cat Insurance has great features to help your cat when they need it most.
Pay monthly at no extra cost
Your policy will cost the same overall whether you pay upfront or monthly.
Choose the cover for your pet
We offer lifetime and time limited policy types, each with a choice of cover levels.
Adoption discount
Get a 2.5% discount if your pet is adopted from a recognised animal charity or rescue centre. This introductory discount applies for the first year only and is subject to a minimum total price.
24/7 access to vets online
You can book a vet video consultation anytime through FirstVet without paying an excess, it affecting the cost of your insurance or counting as a claim.
What is meant by older or senior cat?
Cats are normally considered to be old or senior starting from 7 years old. Older cats will need their health to be monitored a bit more closely as they age.
Can you insure an older cat?
Yes. Older cats can still be insured, although policy terms and costs will differ from younger cats. For example, a 20% co-payment applies to new claims from a pet's 6th birthday onwards. Pre-existing conditions are not covered for any pets.
What age is too old for cat insurance?
There is no maximum age limit for Co-op Pet insurance. However, some benefits are no longer available once a pet reaches age 7. This includes death from illness cover and farewell cover.
Can I get insurance for a senior cat with health conditions?
You can insure a senior cat, but pre-existing conditions are not covered. Pre-existing conditions include any illness or injury known about before the policy starts.
Is pet insurance worth it for an older cat?
Older cats are more likely to need veterinary treatment as they age. Lifetime policies can provide ongoing cover for eligible conditions. They have annual veterinary fee limits confirmed at renewal.
Pet insurance member offers
5% off pet insurance
Members get 5% off Co-op Pet Insurance in the first year. Just enter your Co-op Membership Number if prompted when you get your quote.
Minimum yearly costs apply.
10% in-store discount
Members with Co-op Pet Insurance get 10% off pet products in our food stores, including pet food, treats and accessories. Just use your membership card every time you shop.
In-store discount added up to 14 days after policy starts and ends 21 September 2027. Terms and conditions apply.
Not a Co-op Member?
Join for just £1 when you buy your insurance. Pay once and stay a member for life. As well as a lower price on pet insurance you will get:
Why do you need cat insurance?
Cat insurance is there to cover your cat if they have an accident or illness and will cover the costs of the treatment needed, minus any excesses.
Some of the key reasons to buy cat insurance are:
Cost of vet fees
Vet fees can cost thousands of pounds depending on the type of treatment and the size and breed of your pet.
Peace of mind
Knowing that you are covered for what can be a large unexpected bill.
Lifetime cover
If you choose a lifetime policy, any illnesses or accidents insured will continue to be covered for the whole of your pet's life.
Compare our cover types
Compare the difference between the two types of Co-op Cat Insurance.
|
Cover |
Lifetime |
Time limited |
|---|---|---|
Vet fee cover | up to £16,000 | up to £5,000 |
Lifetime cover for recurring illness
| Lifetime cover for recurring illness included | Lifetime cover for recurring illness excluded |
Dental treatment | Dental treatment included | Dental treatment included |
Pay monthly at no extra cost | Pay monthly at no extra cost included | Pay monthly at no extra cost included |
Advertising and reward
| up to £2,500 | up to £1,000 |
Loss of pet
| up to £3,000 | up to £1,000 |
Lifetime
Vet fee cover
up to £16,000
Lifetime cover for recurring illness
for example if your pet is insured and you keep renewing, cancer treatment is covered for life
Dental treatment
Pay monthly at no extra cost
Advertising and reward
if your pet goes missing
up to £2,500
Loss of pet
due to theft or if they are lost
up to £3,000
Time limited
Vet fee cover
up to £5,000
Dental treatment
Pay monthly at no extra cost
Advertising and reward
if your pet goes missing
up to £1,000
Loss of pet
due to theft or if they are lost
up to £1,000
For more details on what is and isn't covered, read our policy documents.
Taking care of your senior cat
Pet insurance is offered through Co‑op Insurance Services and administered by Insurance Factory Limited.
Co-op Insurance policies are administered by Insurance Factory Limited. Insurance Factory Limited is authorised and regulated by the Financial Conduct Authority under Financial Services Register number 306164, a company registered in England and Wales under company number 02982445 with registered office: 45 Westerham Road, Bessels Green, Sevenoaks, TN13 2QB. Insurance Factory Limited is part of the Markerstudy Group of companies. Co-op Insurance and the Co-op logo are registered trademarks of Co-operative Group Limited or its affiliates and are used under licence by Insurance Factory Limited.
Calls are charged at local rates from landline and mobiles. If your phone has inclusive minutes these calls are normally included.
Co-op Insurance Services Limited will receive a percentage commission from your insurance payments.