Rainwalk stands out as the best pet insurance for senior cats, providing exceptional customer service with affordable rates. Our analysis also identified Lemonade, AKC, Nationwide and Spot as excellent alternatives that provide solid coverage for aging felines.
Best Pet Insurance for Senior Cats
Updated: August 11, 2025
Advertising & Editorial Disclosure
Key Takeaways
Rainwalk provides the best pet insurance for senior cats, earning a 4.6 out of 5.0 score in MoneyGeek’s study.
The cheapest senior cat insurance starts at an average of $42 monthly from Lemonade.
Finding the best cheap insurance for senior cats involves comparing quotes from multiple providers, considering essential coverage and looking for discounts.
What Are the Best Senior Cat Insurance Companies?
| Rainwalk | 4.6 | $569 | 1 | 4 |
| Lemonade | 4.5 | $506 | 3 | 6 |
| AKC | 4.4 | $734 | 3 | 1 |
| Nationwide | 4.05 | $571 | 4 | 9 |
| Spot | 3.9 | $762 | 2 | 8 |
Best Pet Insurance for Senior Cats by State
Rainwalk comes out ahead in 33 states for the best senior cat insurance, with Lemonade taking the top spot in 9 states and AKC winning in 8. You'll pay an average of $405 to $921 annually based on where you live.
| Alabama | Rainwalk | $413 |
| Alaska | AKC | $711 |
| Arizona | Rainwalk | $692 |
| Arkansas | Rainwalk | $405 |
| California | Lemonade | $640 |
| Colorado | Rainwalk | $739 |
| Connecticut | Lemonade | $577 |
| Delaware | Rainwalk | $587 |
| Florida | Rainwalk | $708 |
| Georgia | Rainwalk | $511 |
| Hawaii | AKC | $726 |
| Idaho | Rainwalk | $561 |
| Illinois | Rainwalk | $623 |
| Indiana | Rainwalk | $508 |
| Iowa | Lemonade | $425 |
| Kansas | Rainwalk | $488 |
| Kentucky | AKC | $602 |
| Louisiana | Rainwalk | $488 |
| Maine | AKC | $921 |
| Maryland | Rainwalk | $540 |
| Massachusetts | Lemonade | $651 |
| Michigan | Rainwalk | $521 |
| Minnesota | Lemonade | $524 |
| Mississippi | Rainwalk | $499 |
| Missouri | Rainwalk | $447 |
| Montana | Rainwalk | $470 |
| Nebraska | Rainwalk | $532 |
| Nevada | Rainwalk | $650 |
| New Hampshire | Rainwalk | $670 |
| New Jersey | Rainwalk | $695 |
| New Mexico | Rainwalk | $517 |
| New York | Lemonade | $550 |
| North Carolina | Rainwalk | $538 |
| North Dakota | AKC | $507 |
| Ohio | Rainwalk | $537 |
| Oklahoma | AKC | $542 |
| Oregon | Lemonade | $628 |
| Pennsylvania | Rainwalk | $633 |
| Rhode Island | Lemonade | $440 |
| South Carolina | Rainwalk | $595 |
| South Dakota | AKC | $587 |
| Tennessee | Rainwalk | $491 |
| Texas | Rainwalk | $578 |
| Utah | Lemonade | $482 |
| Vermont | Rainwalk | $555 |
| Virginia | Rainwalk | $568 |
| Washington | AKC | $765 |
| West Virginia | Rainwalk | $545 |
| Wisconsin | Rainwalk | $638 |
| Wyoming | Rainwalk | $520 |
Rainwalk
Best Overall
MoneyGeek Rating
4.6/ of 5
4.8/5Affordability
5/5Customer Experience
3.6/5Coverage Options
Average Monthly Rate
$48Overall Reddit Sentiment
71% positiveMaximum Annual Limit
$20,000Most Unique Coverage Inclusion or Add-On
Curable conditions coverage
What Are the Cheapest Senior Cat Insurance Companies?
Lemonade provides the cheapest senior cat insurance at $42 monthly on average. MoneyGeek's analysis also identified Rainwalk, Nationwide, Pumpkin and Liberty Mutual as low-cost options for aging felines.
| Lemonade | $42 | $506 | 39% |
| Nationwide | $48 | $571 | 31% |
| Rainwalk | $48 | $569 | 31% |
| Pumpkin | $53 | $643 | 22% |
| Liberty Mutual | $58 | $700 | 15% |
Cheapest Pet Insurance for Senior Cats by State
Lemonade comes out on top of the affordability rankings across 38 states for senior cat coverage. Monthly premiums range from $34 to $77, depending on your location.
| Arkansas | Lemonade | $34 | $405 |
| Alabama | Lemonade | $35 | $413 |
| Iowa | Lemonade | $35 | $425 |
| Rhode Island | Lemonade | $37 | $440 |
| Missouri | Lemonade | $38 | $447 |
| Montana | Lemonade | $40 | $470 |
| Utah | Lemonade | $40 | $482 |
| Louisiana | Lemonade | $41 | $488 |
| Kansas | Rainwalk | $41 | $488 |
| Tennessee | Lemonade | $41 | $491 |
| Mississippi | Lemonade | $42 | $499 |
| North Dakota | Lemonade | $42 | $507 |
| Indiana | Lemonade | $43 | $508 |
| Georgia | Lemonade | $43 | $511 |
| New Mexico | Lemonade | $44 | $517 |
| Minnesota | Lemonade | $44 | $524 |
| Wyoming | Rainwalk | $44 | $520 |
| Michigan | Lemonade | $44 | $521 |
| Nebraska | Lemonade | $45 | $532 |
| Ohio | Lemonade | $45 | $537 |
| North Carolina | Lemonade | $45 | $538 |
| Oklahoma | Lemonade | $45 | $542 |
| Maryland | Lemonade | $45 | $540 |
| New York | Lemonade | $46 | $550 |
| West Virginia | Nationwide | $46 | $545 |
| Vermont | Nationwide | $47 | $555 |
| Idaho | Rainwalk | $47 | $561 |
| Virginia | Lemonade | $48 | $568 |
| Connecticut | Lemonade | $48 | $577 |
| Texas | Lemonade | $49 | $578 |
| South Dakota | Nationwide | $49 | $587 |
| Delaware | Nationwide | $49 | $587 |
| South Carolina | Lemonade | $50 | $595 |
| Kentucky | Nationwide | $50 | $602 |
| Illinois | Rainwalk | $52 | $623 |
| Oregon | Lemonade | $52 | $628 |
| California | Lemonade | $53 | $640 |
| Pennsylvania | Lemonade | $53 | $633 |
| Wisconsin | Lemonade | $54 | $638 |
| Massachusetts | Lemonade | $54 | $651 |
| Nevada | Lemonade | $55 | $650 |
| New Hampshire | Lemonade | $56 | $670 |
| Arizona | Lemonade | $58 | $692 |
| New Jersey | Lemonade | $58 | $695 |
| Florida | Lemonade | $59 | $708 |
| Alaska | Nationwide | $60 | $711 |
| Hawaii | Nationwide | $60 | $726 |
| Colorado | Lemonade | $62 | $739 |
| Washington | Lemonade | $64 | $765 |
| Maine | Nationwide | $77 | $921 |
Lemonade
Cheapest Overall
MoneyGeek Rating
4.5/ of 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$42Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-On
30-day waiting period for orthopedic conditions
How Much Is Pet Insurance for Senior Cats?
Pet insurance costs an average of $45 monthly for 10-year-old cats, but this rises significantly with age, reaching $108 monthly for 20-year-old cats, according to MoneyGeek's analysis. These rates are based on our standard Ragdoll profile, which has a $5,000 annual limit, $500 deductible and an 80% reimbursement rate.
| 10 | $45 | $535 |
| 11 | $50 | $599 |
| 12 | $56 | $674 |
| 13 | $60 | $724 |
| 14 | $67 | $805 |
| 15 | $74 | $889 |
| 16 | $82 | $982 |
| 17 | $83 | $999 |
| 18 | $92 | $1,102 |
| 19 | $100 | $1,200 |
| 20 | $108 | $1,296 |
*Actual costs will differ based on your cat's specific profile and location.
What Factors Affect Senior Cat Insurance Costs?
Senior cats cost significantly more to insure than younger felines, with premiums often doubling or tripling as cats age from 10 to 20. Several key factors drive these higher costs, from age-related health risks to coverage choices that impact monthly premiums.
Age
Your cat's age is the biggest factor affecting insurance costs, with premiums climbing steadily each year after age 10. Insurance companies know that older cats face higher risks for chronic conditions like kidney disease, diabetes and cancer, leading to more expensive claims.
Breed
Certain cat breeds face higher premiums due to expensive breed-specific health conditions common in senior years. Persian cats, for example, often develop breathing problems and eye issues that require costly treatment as they age. Mixed-breed cats typically have lower rates since they're less prone to breed-specific health problems.
Medical history
Your senior cat's medical records help insurers assess risk and set appropriate premiums for coverage. Cats with clean health histories may qualify for better rates, while those with previous surgeries or chronic medication needs face higher costs.
Location
Where you live significantly impacts your senior cat's insurance costs, with urban areas typically charging 20% to 40% more than rural locations. Your ZIP code helps insurers predict likely claim amounts for aging cats in your area.
Coverage options
Your deductible, reimbursement rate and annual limit directly affect your monthly premium for senior cats. Higher deductibles and lower reimbursement rates can reduce monthly costs but increase out-of-pocket costs when your aging cat needs care.
How to Get the Best Cheap Senior Cat Insurance
Finding affordable pet insurance for your senior cat requires balancing cost savings with adequate coverage for age-related health issues. Smart shopping strategies can help you secure enough financial protection without breaking your budget.
- 1
Compare multiple providers
Get quotes from at least three different insurers since rates vary dramatically for senior cats, with some companies charging 50% more than others. Focus on providers specializing in older pets or offering competitive senior cat pricing. Beyond rates, consider deductibles, coverage limits and what's actually covered for aging cats, as well.
- 2
Consider essential coverage only
Skip expensive add-ons like routine care packages that may not provide good value for senior cats who need fewer wellness visits. Focus on accident and illness coverage with solid annual limits ($10,000 to $20,000) rather than premium features you might not use.
- 3
Adjust coverage levels
Higher deductibles can significantly lower your monthly premium. Consider a $500 or $750 deductible instead of $100 to reduce monthly payments by 20% to 30%. Balance this with a higher reimbursement rate (80% to 90%) to minimize costs during expensive senior cat treatments.
- 4
Take advantage of discounts
Many insurers offer multi-pet discounts if you have multiple cats, annual payment discounts or bundling savings with other insurance policies. Some companies also provide wellness discounts for cats with regular veterinary care or good health records. These savings can reduce your premium by 5% to 15%, making coverage more affordable for your senior cat.
- 5
Review and adjust annually
As your cat ages, what you need from insurance changes too, so review your policy annually to make sure it still provides the best value. You might need to increase coverage limits as your cat gets older or switch providers if better options become available.
Best Pet Insurance for Senior Cats: Bottom Line
Rainwalk is MoneyGeek’s pick for the best senior cat insurance, providing a blend of excellent customer service and affordable rates. Meanwhile, Lemonade offers the most affordable coverage starting at roughly $42 per month. The key to getting enough financial protection without overpaying is comparing quotes from multiple providers, focusing on essential coverage and taking advantage of discounts.
Best Pet Insurance for Senior Cats 2025: FAQ
Finding the best pet insurance for senior cats raises many concerns for pet owners, from age restrictions to coverage limitations. We've addressed the most common frequently asked questions to help you make an informed decision:
What is the best pet insurance for senior cats?
Rainwalk earns our top ranking with a 4.6 out of 5.0 score by combining excellent customer service with competitive pricing for senior cats.
What is the cheapest pet insurance for senior cats?
Lemonade offers the lowest senior cat insurance rates, starting at $42 monthly on average.
How much does pet insurance cost for senior cats?
Pet insurance costs increase significantly as cats age, with rates averaging $45 per month for 10-year-old cats and $108 per month for 20-year-old cats.
Which states offer the cheapest senior cat insurance rates?
Based on MoneyGeek’s analysis, Arkansas offers the lowest senior cat insurance rates at just $34 monthly ($405 annually), while Maine has the highest premiums at $77 monthly ($921 annually).
Should I choose a higher deductible to lower my senior cat's monthly premium?
Choosing a $500 or $750 deductible instead of $100 can reduce your monthly premium by 20% to 30%. Still, consider whether you can afford the higher upfront costs during emergencies. If your cat develops a chronic condition requiring ongoing care, you'll pay that deductible annually.
Can I get coverage for my senior cat's pre-existing conditions?
Most insurers don't cover pre-existing conditions, but some offer “curable conditions” clauses. Rainwalk, for example, may provide coverage for previously treated conditions if your cat remains symptom-free for 180 days.
How do I compare pet insurance quotes for my senior cat?
Get quotes from at least three insurers using identical coverage parameters, meaning the same annual limit, deductible and reimbursement rate. Compare total annual costs, not just monthly premiums, and review what's actually covered for aging cats.
How We Found the Best and Cheapest Senior Cat Insurance
Our analysis evaluated 20 major pet insurance providers across the United States to find the best senior cat pet insurance. Our evaluation focused on gathering quotes, assessing customer satisfaction levels and examining contract terms to tailor our recommendations for senior cats.
We ensured accurate comparison of quotes by using a standard 10-year-old Ragdoll profile with $5,000 annual limit, $500 deductible and 80% reimbursement.
How We Score Each Provider
Affordability (50%): We gathered quotes for senior cats and compared them across all states to identify the most cost-effective options. While we considered available discounts in our evaluation, these represented a minor scoring component since discount offerings show minimal variation across the industry.
Customer Experience (30%): To calculate this score, we analyzed customer feedback from online platforms, specifically Trustpilot and Reddit.
Coverage (20%): We conducted thorough reviews of complete contract terms for each provider across all states, evaluating policy add-ons, coverage inclusions, benefit exclusions and enrollment restrictions.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.