Pet Insurance for Older Pets
Cover when they need it most
99% of claims paid in 5 working days
*Based on Everypaw claims data from January 2025 to January 2026
Why Choose Everypaw Pet Insurance for Older Pets?
Just like us, your pet needs a little more TLC as they age - that's why finding older pet insurance is so tricky. So, your furry friend runs into more health issues, and you end up footing the bill. We don't like the sound of that. That's why we created Everypaw's Pet Insurance for Older Pets
Benefits of Everypaw Insurance for Senior Pets
The main benefit to getting your wise old dog, experienced kitty or seasoned bunny covered is, of course, peace of mind. But our pet insurance for older pets comes with a treat-drawer-worthy stack of added bonuses that help sweeten the deal, including:
- No upper age limit to cover
- Lifetime vet fee cover up to £10,000
- 99% of claims paid in 5 working days*
- Two levels of Lifetime cover rated 5 Stars by Defaqto
- Simple online policy management via the Pet Portal
- 24/7 access to experienced vets via PawSquad
*Based on Everypaw claims data from January 2025 to January 2026
Everypaw partners with David Baddiel: Cat Man
Everypaw is proud to sponsor David Baddiel: Cat Man, a brand-new Channel 4 series that celebrates everything we love about cats. Hosted by David Baddiel, Cat Man explores the quirks of cat behaviour, shares heartwarming stories from cat owners across the UK and brings you fascinating feline facts you won't want to miss.
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Types of Pet Insurance for Older Cats, Dogs and Rabbits
Whether you're looking to insure your older cat, dog or bunny, you have the freedom to pick the right level of cover for you. Choose to cover your pet for treatment costs up to £10,000. (£8k and £10k cover is not available for some breeds of dog - sorry!)
Vet fees | £1k, £2k, £3k | £4k | £6k, £8k, £10k |
|---|---|---|---|
Cats, Dogs & Rabbits | |||
Vet fees per year | £1,000, £2,000 or £3,000 | £4,000 | £6,000, £8,000 or £10,000 |
Set excessper condition, per year | From £60 | £110 | £110 |
Dental treatmentas part of your vet fee cover | Included | Included | Included |
Complementary treatmentas part of your vet fee cover | Up to £750 | Up to £1,000 | Up to £1,500 |
Physiotherapyas part of your vet fee cover | Up to £750 | Up to £1,000 | Up to £1,500 |
Finding your pet | Up to £750 | Up to £1,500 | Up to £2,000 |
Emergency boarding fees | Up to £750 | Up to £1,500 | Up to £2,000 |
PawSquadunlimited 24/7 access to a vet team | Included | Included | Included |
Pet Portalmanage your pet policy online | Included | Included | Included |
Cats & dogs | |||
Loss by theft or straying | Up to £750 | Up to £1,500 | Up to £2,000 |
Death from accident | Up to £750 | Up to £1,500 | Up to £2,000 |
Cremation or burial | £200 | £200 | £200 |
Dogs only | |||
Third Party Liability | £2,000,000 | £2,000,000 | £2,000,000 |
The benefit values featured in the table may vary across the different levels of cover and will depend on the cover you choose. Please check your cover before purchasing. Be aware, for some breeds of dogs we do not provide our £8k and £10k Lifetime cover.
All policies and features are subject to special conditions and exclusions of the insurers, please click the link to read about our policy exclusions.
Excess is applicable to all vet fees claims and will be your set excess plus a percentage of your claim amount.
5 Star Lifetime Pet Cover
We think all our Lifetime Pet Insurance is pretty great. But if you'd like more peace of mind, Defaqto rate our £8k and £10k Lifetime cover 5 Stars.
Why Do You Need Pet Insurance for Older Pets?
Pet insurance for older dogs, cats or rabbits is important as your best friend is more prone to health issues as they head into their golden years. Serious conditions like these could stop your pooch, bunny or pussycat in their tracks:
- Cancer
- Gum disease
- Heart disease
- Kidney issues
- Arthritis
- Degenerative joint disease
- Dementia
Pre-existing conditions are not covered. But when new issues like those listed above come calling, you want to focus on your companion's care, not expensive vet bills. That's where older pet insurance from Everypaw comes in.
What's Not Covered?
Now that you know everything you're protected against, it's only fair that we tell you what's not included in your old pet insurance policy - because we can't be everywhere, right?!
- Treatment for pre-existing conditions.
- Treatment for poisoning occurring in the first 3 days of the policy.*
- Treatment for accidental injury that occurs in the first 3 days of the policy.*
- Treatment for any illness that occurs in the first 14 days of your policy.*
- Treatment related to conditions that routine vaccinations could've prevented.
*Having said that. If you're switching to Everypaw and can prove that your previous insurance ran for more than 14 days up to the start date of your new policy, with no gaps in cover, these exclusions won't apply.
How to Get a Quote for Older Pet Insurance
You can get a quote for our Pet Insurance for older pets in just 3 minutes. Here's how:
- Tell us about your pet, including their name, breed, age and sex.
- Tell us about you, including your email and home addresses.
- Choose your vet fee limit.
- Select your desired vet-fee limit.
- Hey presto! We'll give you the annual cost and a broken-down view of monthly instalments so you can decide which payment plan looks better for you.
How to Claim on Your Older Pet Insurance
We don't like it any more than you do, but it's likely that, as your pet gets older, they'll need help staying bright-eyed and bushy-tailed.
Luckily, claiming on your senior pet insurance is as simple as squeaking a new toy. Our Vet Pawtal takes all the hassle out of claiming because your vet submits it for you, so you can focus on looking after your pet.
If you have to submit the claim, you can still log in to the Pet Portal to make your claim. Alternatively, you can download a claim form, but this can take longer than submitting your claim online. If you need to claim Third Party Liability, please refer to the guidance on your policy documents.
More info about making a claim is available on our Pet Insurance Claims information page.
Older Pet Insurance FAQs
There is no upper age limit on our dog, cat or rabbit insurance. While many providers choose not to cover older pets, due to increases in costs attached to treating age-related conditions, we don’t believe that’s fair.
At Everypaw, we want to be there for you and your furry friend at every stage of your journey together. That’s why we offer pet insurance with no upper age limits on new policies.
Each insurance company will have its own rules on what is an ‘old’ pet. However, here at Everypaw, we believe that age is just a number. We’re all about fur-ever pet insurance, that’s why we offer cover for cats, dogs and rabbits regardless of age.
Insuring older pets can be worthwhile, especially as they’re more prone to illness and injury as they get older.
Vet bills can be costly and, unfortunately, the number of times you'll find yourself in the vet waiting room increases as your treat-seeking companion gets older.
We're very much about the here and now. Like many UK pet insurers, we don't cover pre-existing conditions. This includes any illness, injury or symptom your pet has suffered before you take out an Everypaw policy.
Not that we don't trust you or anything, but we also check with vets to ensure your senior friend doesn't have any skeletons in their treatment closet.
If you've switched to Everypaw from another policy that's more than 14 days old and can prove that your previous policy runs up to the start date of the new policy, with no gap in cover, then you'll be covered straight away.
But if you've taken out a new pet insurance policy for older pets or there are gaps in your cover, you won't be covered against treatment for poisoning or accidents in the first 3 days of the policy. You also won't be protected against treatment for illnesses in the first 14 days of the policy.
Our pet insurance for older rabbits, dogs and cats can cover or contribute towards the cost of vet fees for the treatment of illnesses, injuries and conditions up to the limit amount you choose.
But we don't just help with expensive vet fees. Our policies also come with a list of additional benefits to help make caring for your older cat or dog easier, including:
- Help with complementary treatments included as part of your vet fee cover such as physio
- Dental cover included as part of your vet fee cover
- 24/7 access to qualified vets, as well as pet bereavement services via PawSquad
- Simple policy tracking and management in the Pet Portal
It's worth mentioning that if you want to submit a claim by downloading a form, this process could take longer than submitting online.
We know that caring for an old dog, rabbit or cat isn't easy or cheap. That's why we're there for you every step of the way, just like you are for them.
Get Your Older Pet Insurance Quote
Like what you've heard? Then why not get yourself a quote. Their golden years are for enjoying, not worrying about vet bills. Our Pet Insurance for Older Pets is built to help support you in keeping them fighting fit when you need it most.
