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.
More coverage for your senior cat than you’ll find anywhere else
With nearly four decades of experience protecting senior cats, we know that coverage counts. Compare us to other pet insurance companies and you’ll understand why.
Every Nationwide pet insurance member enjoys:
Always There Pet CareSM
Use any vet, anywhere
VetHelpline®
Unlimited, 24/7 virtual pet care
Nationwide PetRxExpressSM
Save money on pet meds
Nationwide PetRxExpressSM
Save money on pet meds
Preferred pricing plus convenient automatic claims for pet prescriptions filled at in-store Walmart or Sam’s Club pharmacies.
Bring a written prescription to your local Walmart or Sam’s Club or have your vet call it in
Show your digital pet insurance ID card at checkout (available at my.petinsurance.com after sign up)
Save on pet meds and enjoy the convenience of having your claim automatically submitted
Important Disclosures: Some exclusions may apply. For example, certain coverages may be excluded due to pre-existing or chronic conditions, or hereditary or congenital disorders. Other exclusions may apply. Please refer to the exclusions section of the policy for more information. Coverage limitations from waiting periods, deductibles, coinsurance, or policy limits may also apply. Premiums may increase at renewal based on various factors like a pet’s age, breed, location, or claim history depending on the plan selected. Wellness plans not available in all states.
Example reflects Modular Plan Accident only with $5,000 annual limit with 80% reimbursement and $250 annual deductible. This plan may not be available in all areas. Pre-existing conditions are not covered. Veterinary bill amount is based on expenses incurred in the first 30 days after initial diagnosis.
[2] Rate based on a 8 year old Domestic Short Hair cat in 60615 (Chicago, IL) for the Modular Pet Insurance plan with Accident only coverage, $5,000 annual limit with 80% coinsurance and $250 annual deductible.
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 for reimbursement depends on the product and coverage level selected. See 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.