Senior dog for Everypaw's Pet Insurance for Older Pets

Link to get an Everypaw Pet Insurance quote

For that extra peace of mind when your pets get up to mischief, there&#39;s Everypaw. Our pet insurance is for cats, dogs and rabbits, and every policy comes with unlimited 24/7 access to vet nurses and vets. So, if you ever feel a bit &#39;for pet&#39;s sake&#39;, know Everypaw is here for you and your pet when you need us most!

Image icon for Everypaw's Defaqto five star rated insurance

Image icon for Everypaw's Feefo Gold Trusted Service Award

Image icon for Everypaw's Which Best Buy Award

Image icon for Everypaw's excellent Trustpilot rating

Image icon for Everypaw's Which Best Buy Award for cats

Based on Everypaw claims data from February 2024 to March 2025

Just like us, your pet needs a little more TLC as they age - that&#39;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&#39;t like the sound of that. That&#39;s why we created Everypaw&#39;s Pet Insurance for Older Pets

*Based on Everypaw claims data from February 2024 to March 2025

Why Choose Everypaw Pet Insurance for Older Pets?

Whether you have a bouncing bunny, precious pooch or cute kitty, we know their care means the world to you. It does to us too. So it only makes sense you want to protect those paws. And with Everypaw&rsquo;s Lifetime Pet Insurance, worrying about whether a condition is covered can be a thing of the past.

<a href="https://www.everypaw.com/multi-pet-insurance" title="Link to the Multi-pet Insurance page">Insure multiple pets</a>&nbsp;for a multi-pet discount

99% of claims paid in 5 working days*

Unlimited 24/7 access to UK vet nurses and vets with&nbsp;<a href="https://www.everypaw.com/petcall" title="Link to the Petcall page">Petcall</a>

Manage your policy online in the&nbsp;<a href="https://www.everypaw.com/pet-portal-info" title="Link to Everypaw's Pet Portal page">Pet Portal</a>

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&#39;s how:

<ol>
	<li>Tell us about your pet, including their name, breed, age and sex.</li>
	<li>Tell us about you, including your email and home addresses.</li>
	<li>Choose your vet fee limit.</li>
	<li>Select your desired vet-fee limit.</li>
	<li>Hey presto! We&#39;ll give you the annual cost and a broken-down view of monthly instalments&nbsp;so you can decide which payment plan looks better for you.</li>
</ol>

Link to get an Everypaw lifetime pet insurance quote

How to Get a Lifetime Pet Insurance Quote

Ready to find out how much your Pet Insurance Lifetime Policy could cost? You can do so in just three minutes with our online quote tool. Here&#39;s how:

<ol>
	<li>Choose &#39;Start a quote&#39;</li>
	<li>Enter a few details about your four-legged companion, including age, breed and sex</li>
	<li>Fill out your personal details, including address and contact details</li>
	<li>Select your desired vet-fee limit</li>
	<li>It&#39;s that simple! Your Pet Lifetime Insurance quote is looking all shiny and new. You&#39;ll find a breakdown of cost per year and per month, too.</li>
</ol>

Owner enjoying her pets golden years thanks to Pet Insurance for Older Pets

We don&#39;t like it any more than you do, but it&#39;s likely that, as your pet gets older, they&#39;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&nbsp;<a href="http://petportal.everypaw.com/register#login" title="Link to the Everypaw Pet Portal login screen">Pet Portal</a> to make your claim. Alternatively, you can <a href="https://www.everypaw.com/downloads-2020/everypaw-claim-form.pdf" target="_blank" title="Link to download an Everypaw claim form">download a claim form</a>, 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 <a href="/Home/claims.html" target="_blank" title="Link to Everypaw's Pet Insurance Claims information page">Pet Insurance Claims information page</a>.

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 &pound;8k and &pound;10k Lifetime cover.

All policies and features are subject to special conditions and exclusions of the insurers, please click the link to read about&nbsp;<a href="https://www.everypaw.com/pet-insurance-policy-exclusions" title="Link to Everypaw's Policy Exclusions page">our policy exclusions</a>.

Excess is applicable to all vet fees claims and will be your set excess plus a percentage of your claim amount.

Types of Pet Insurance for Older Cats, Dogs and Rabbits

Whether you&#39;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 &pound;10,000. (&pound;8k and &pound;10k cover is not available for some breeds of dog - sorry!)

A cat, dog and rabbit for 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:

<ul>
	<li>No upper age limit to cover.</li>
	<li>Lifetime vet fee cover up to &pound;10,000.</li>
	<li>99% of claims paid in 5 working days*.</li>
	<li>Two levels of Lifetime cover rated 5 Stars by Defaqto.&nbsp;</li>
	<li>Simple online policy management via the <a href="/pet-portal-info" title="Link to Everypaw's Pet Portal information page">Pet Portal</a>.</li>
	<li>24/7 access to vet nurses via <a href="/petcall" title="Link to Everypaw's Petcall page">Petcall</a>.</li>
</ul>

*Based on Everypaw claims data from February 2024 to March 2025

We think all our Lifetime Pet Insurance is pretty great. But if you&#39;d like more peace of mind, Defaqto rated our &pound;8k and &pound;10k Lifetime cover 5 Stars.

Now that you know everything you&#39;re protected against, it&#39;s only fair that we tell you what&#39;s not included in your old pet insurance policy - because we can&#39;t be everywhere, right?!

<ul>
	<li>Treatment for pre-existing conditions.</li>
	<li>Treatment for&nbsp;poisoning occuring in the first 3 days of the policy.*</li>
	<li>Treatment for accidental injury that occurs in the first 3 days of the policy.*</li>
	<li>Treatment for any illness that occurs in the first 14 days of your policy.*</li>
	<li>Treatment related to conditions that routine vaccinations could&#39;ve prevented.</li>
</ul>

*Having said that. If you&#39;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&#39;t apply.

David Baddiel: Cat Man with Larry the Downing Street Cat

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&#39;t want to miss.

Don&#39;t miss out and join us in celebrating the wonderful world of cats! Episode one airs at 8pm on Channel 4, Friday 16th January.

Cat relaxing under a blanket with Pet Insurance for Older Pets

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:

<ul>
	<li>Cancer&nbsp;</li>
	<li>Gum disease</li>
	<li>Heart disease&nbsp;</li>
	<li>Kidney issues&nbsp;</li>
	<li>Arthritis&nbsp;</li>
	<li>Degenerative joint disease&nbsp;</li>
	<li>Dementia&nbsp;</li>
</ul>


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 is the maximum age for pet insurance?

There is no upper age limit on our <a href="/dog-insurance" title="Link to Everypaw's Dog Insurance page">dog</a>, <a href="/cat-insurance" title="Link to Everypaw Cat Insurance page">cat</a> or <a href="/rabbit-insurance" title="Link to Everypaw's Rabbit Insurance Page">rabbit insurance</a>. While many providers choose not to cover older pets, due to increases in costs attached to treating age-related conditions, we don&rsquo;t believe that&rsquo;s fair.

At Everypaw, we want to be there for you and your furry friend at every stage of your journey together. That&rsquo;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.

Can I get Everypaw insurance for older pets with pre-existing conditions?

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.

Will my older pet insurance start straight away?

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.

What does Everypaw Pet Insurance for Older pets cover?

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&#39;t just help with expensive vet fees. Our policies also come with a list of additional benefits to help make <a href="https://www.everypaw.com/all-things-pet/caring-for-an-old-cat" title="Link to Everypaw's blog article about caring for old cats">caring for your older cat</a> or dog easier, including:

<ul>
	<li>Help with complementary treatments included as part of your vet fee cover such as physio.</li>
	<li>Dental cover included as part of your vet fee cover.</li>
	<li>24/7 access to qualified vets and vet nurses, as well as pet bereavement services via <a href="/petcall" title="Link to Everypaw's Petcall page">Petcall</a>.</li>
	<li>Simple policy tracking and management in the <a href="/pet-portal-info" title="Link to Everypaw's Pet Portal information page">Pet Portal</a>.</li>
</ul>

It&#39;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 <a href="https://www.everypaw.com/all-things-pet/caring-for-mature-and-old-dogs" title="Link to Everypaw's blog article about caring for old dogs">caring for an old dog</a>, rabbit or cat isn&#39;t easy or cheap. That&#39;s why we&#39;re there for you every step of the way, just like you are for them.

Link to get a quote for Everypaw Pet Insurance

Like what you&#39;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.&nbsp;

Link to get an Everypaw Older Pet Insurance quote

There is no upper age limit on our <a href="/dog-insurance" title="Link to Everypaw's Dog Insurance Page">dog</a>, <a href="/cat-insurance" title="Link to Everypaw's Cat Insurance Page">cat</a> or <a href="/rabbit-insurance" title="Link to Everypaw's Rabbit Insurance Page">rabbit insurance</a>. While many providers choose not to cover older pets, due to increases in costs attached to treating age-related conditions, we don&rsquo;t believe that&rsquo;s fair.

At Everypaw, we want to be there for you and your furry friend at every stage of your journey together. That&rsquo;s why we offer pet insurance with no upper age limits on new policies.

Pet Insurance for Older Pets | Everypaw

Get a pet insurance quote for your older pet

Pet Insurance for Older Pets

Link to How to Our Guide to Keeping Your Pets Safe at Halloween

Link to log in to the Everypaw Pet Portal

Link to get a quote for Everypaw Pet Insurance 

Link to retrieve a previous Everypaw Pet Insurance quote

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 &pound;8k and &pound;10k Lifetime cover. 
 
All policies and features are subject to special conditions and exclusions of the insurers, please click the link to read about&nbsp;<a href="/Home/pet-insurance-policy-exclusions.html" title="Link to Everypaw's Pet Insurance Exclusions page">our policy exclusions.</a> 
 
Excess is applicable to all vet fees claims. When your pet reaches a certain age, the excess payable may change. The excess will be your set excess plus a percentage of your claim amount.

Getting your furry friend covered shouldn&#39;t just come down to cost. There&#39;s a lot more to it than that, so take the time to do a pet insurance comparison. Think about their breed, the level of cover they might need, and what would be important to you. After all, insurance is there for both of you.

One of the best ways to do that is to compare cover levels. This will give you an idea of how much your pet insurance will cost, how much you can claim against vet bills, as well as the policy benefits. It&#39;s all about finding the Lifetime Pet Insurance that works best for you and your pet.

Deciding which pet insurance your furry bundle of fun needs can be tricky, especially if you&#39;re a new fur-parent. That&#39;s why here at Everypaw.com, we&#39;re trying to keep things simple, we&#39;re all about&nbsp;<a href="/Home/lifetime-pet-insurance.html" title="Link to Everypaw's Lifetime Pet Insurance page">Lifetime Pet Insurance</a>.

Our Lifetime cover is available for your cats, dogs and rabbits. And if you&#39;re looking to cover your cat or dog, there&#39;s a range of cover levels to choose from. Lifetime covers your pet up to a set vet fee limit, and the limits reset for every year of cover.

An older dog for pet insurance for older pets

As our furry companions age, they&#39;re more likely to suffer from ailments and illnesses here and there. And we want you to be able to look after your pet well into retirement. That&#39;s why we don&#39;t have age limits on our policies. Our <a href="/Home/pet-insurance-for-older-pets.html">pet insurance for older pets</a> can help you do the most important thing &ndash; looking after your pet.

What about younger pets? We also offer <a href="/cat-insurance/kitten-insurance" title="Link to Everypaw's Kitten Insurance page">kitten</a> and <a href="/dog-insurance/puppy-insurance" title="Link to Everypaw's Puppy Insurance page">puppy insurance</a>, covered by our cat and dog insurance. No matter how old or young your purr-fect pet is, our pet insurance can give you all-important peace of mind.&nbsp;

An image of a puppy, kitten and a rabbit for multi-pet insurance

Whether you are looking for a playmate for your pet or if your house is more like a <a href="/dog-insurance" title="Link to Everypaw's Dog Insurance page">dog</a>, <a href="/cat-insurance" title="Link to Everypaw's Cat Insurance page">cat</a> and <a href="/rabbit-insurance" title="Link to Everypaw's Rabbit Insurance page">rabbit</a> smallholding, you need multi-pet insurance that works for you. Everypaw&#39;s policies are just that and give you a discount on every pet too. No matter how many pets you have, from glorious <a href="/dog-insurance/dog-breed-guides/golden-retriever-insurance-care-and-health-advice" title="Link to Everypaw's Golden Retriever Dog Breed Guide page">Golden Retrievers</a> and majestic <a href="/cat-insurance/cat-breed-guides/maine-coon-cat-insurance-care-and-health-advice" title="Link to Everypaw's Maine Coon Cat Breed Guide page">Maine Coons</a> to lovely <a href="/rabbit-insurance/rabbit-breed-guides/lionhead-rabbit-insurance-care-and-health-advice" title="Link to Everypaw's Lionhead Rabbit Breed Guide page">Lionheads</a>, it&#39;s there for every single paw.

Link to the Everypaw Multi-pet Insurance page

How Does Pet Insurance Work: Getting a Quote

Our pet insurance quote form takes just 3 minutes to fill out. Here&#39;s how it works:

<ul>
	<li>Select which type of pet you&#39;re looking to insure and enter their age, breed and sex</li>
	<li>Enter basic personal details about yourself including your email and home addresses</li>
	<li>Select your vet fees limit</li>
	<li>We&#39;ll give you a pet insurance price! And we&#39;ll show you what the cost is for the year, plus what your monthly instalments will look like if you choose to pay that way</li>
</ul>

Will my pet insurance cover pre-existing conditions?

Ever found the urge to discover what the best dog breeds to train are or maybe you want to get to the bottom of your pet&#39;s worm problem.&nbsp;<a href="/Home/all-things-pet.html" title="Link to Everypaw's All Things Pet blog">Everypaw&#39;s All Things Pet blog</a>&nbsp;has the content to keep you informed.

Most Popular Celebrity and Royal Pet Names 2025

Link to the UK's Most Popular Celebrity and Royal Pet Names 2025

Link to Our Guide to the 2025 Everypaw Awards

The 2025 Everypaw Awards

Link to The UK's Top 15 Strangest Pet Names 2025 blog article

The UK's Top 15 Strangest Pet Names 2025

A phone screen image of Everypaw's Pet Portal

Link to Everypaw Pet Portal information page

Everypaw Pet Portal policy management icon

Why Choose Everypaw for Pet Insurance in the UK?

<a href="https://www.everypaw.com/multi-pet-insurance" title="Link to Everypaw's Multi-pet Insurance page">Insure multiple pets</a>&nbsp;for a multi-pet discount

Unlimited 24/7 access to UK vet nurses and vets with&nbsp;<a href="https://www.everypaw.com/petcall" title="Link to Everypaw's Petcall vet page">Petcall</a>

Manage your UK pet insurance policy online in the&nbsp;<a href="https://www.everypaw.com/pet-portal-info" title="Link to Everypaw's Pet Portal Information page">Pet Portal</a>

Three animals for Everypaw's Multi-pet Insurance

Choosing the right pet health insurance isn&#39;t always easy. We know that. And we also know that a key part of deciding is knowing what&#39;s not covered. That way, at least there are no nasty surprises in terms of coughing up for bills that you thought were going to be taken care of by your policy.

So, here are a few of the main exclusions on our pet insurances:

<ul>
	<li>Treatment for any pre-existing conditions</li>
	<li>Treatment for poisoning or any accidental injury that occurs in the first 3 days of your policy*</li>
	<li>Treatment for any illness that occurs in the first 14 days of your policy*</li>
	<li>Treatment related to vaccine-preventable conditions</li>
	<li>Treatment related to breeding, pregnancy or birthing</li>
	<li>Treatment on baby teeth if your pet is over 16 weeks when your policy starts</li>
</ul>

*Switching to Everypaw Pet Insurance? If you can prove your previous insurance runs up to the policy start date, we can waive this for you.

Please see our <a href="/Home/pet-insurance-policy-exclusions.html" title="Link to Everypaw's Policy Exclusions page">exclusions page</a>&nbsp;for further details.

Fingers crossed, you never have to! We want to reassure you that claiming on your pet health insurance is as hassle-free as possible. That&rsquo;s why we have Vet Pawtal. A direct platform for vets so they can submit claims and leave you to care for your pet.

Vet Pawtal is the fastest and most efficient way to claim. There&rsquo;s no more paperwork for you, and we&rsquo;ll keep you updated every step of the way.&nbsp;&nbsp;&nbsp;

If your vet can&rsquo;t submit the claim, don&rsquo;t worry; you can still submit it in the <a href="https://petportal.everypaw.com/register#login" target="_blank" title="Link to the Everypaw Pet Portal">Everypaw Pet Portal</a>. It&rsquo;s straightforward; just log in and follow the instructions. Alternatively,&nbsp;you can <a href="https://www.everypaw.com/downloads-2020/everypaw-claim-form.pdf" target="_blank" title="Link to download an Everypaw claim form">download a claim form</a>, but this can take longer.

Please refer to the guidance in your policy documents for Third Party Liability claims.&nbsp;&nbsp;&nbsp;

For more information, head to our <a href="/Home/claims.html">Pet Insurance Claims information page</a>.

We know pets are just as much a part of your family as any human. So, we know how important it is to you that they&#39;re protected. Choose Everypaw for pet insurance in the UK and give yourself that priceless peace of mind.

We know things can be tough right now, with many people facing money worries. If you have such concerns, please get in touch with us, as we may be able to offer some options to help, which could include reducing your cover or increasing your excess.

If you wish to find out more and your eligibility for any options, please call <a href="tel:03445431009" title="Call Everypaw Customer Services and Claims">0344 543 1009</a>.

Two levels of our Lifetime Pet Insurance cover have been rated 5 Stars by independent financial business, Defaqto, for 8 years in a row.

A phone image of an Everypaw Petcall vet nurse

Link to the Everypaw Petcall information page

Dog Insurance

Cat Insurance

An image link for Everypaw Rabbit Insurance

Link to the Everypaw Rabbit Insurance page

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 excess per condition, per year	From £60	£110	£110
Dental treatment as part of your vet fee cover	Included	Included	Included
Complementary treatment as part of your vet fee cover	Up to £750	Up to £1,000	Up to £1,500
Physiotherapy as 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
Petcall unlimited 24/7 access to a vet team	Included	Included	Included
Pet Portal manage 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

Pet Insurance for Older Pets

Cover when they need it most

99% of claims paid in 5 working days

Why Choose Everypaw Pet Insurance for Older Pets?

Benefits of Everypaw Insurance for Senior Pets

Everypaw partners with David Baddiel: Cat Man

Types of Pet Insurance for Older Cats, Dogs and Rabbits

Vet fees

£1k, £2k, £3k

£4k

£6k, £8k, £10k

Cats, Dogs & Rabbits

Vet fees per year

Set excess

Dental treatment

Complementary treatment

Physiotherapy

Finding your pet

Emergency boarding fees

Petcall

Pet Portal

Cats & dogs

Loss by theft or straying

Death from accident

Cremation or burial

Dogs only

Third Party Liability

5 Star Lifetime Pet Cover

Why Do You Need Pet Insurance for Older Pets?

What's Not Covered?

How to Get a Quote for Older Pet Insurance

How to Claim on Your Older Pet Insurance

Older Pet Insurance FAQs

What is the maximum age for pet insurance?

When is my pet considered "Old"?

Is it worth insuring older pets?

Can I get Everypaw insurance for older pets with pre-existing conditions?

Will my older pet insurance start straight away?

What does Everypaw Pet Insurance for Older pets cover?

Get Your Older Pet Insurance Quote