Updated: September 16, 2025
Advertising & Editorial Disclosure
Rainwalk provides the best pet insurance for senior cats, earning a 4.6 out of 5.0 score in MoneyGeek’s study comparing 20 major providers.
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.
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.
Age restrictions may prevent enrollment of cats over specified limits. Contact providers directly to confirm eligibility for your senior cat.
| 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 |
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 |
Best Overall
Average Monthly Rate
Overall Reddit Sentiment
Maximum Annual Limit
Most Unique Coverage Inclusion or Add-On
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% |
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 |
Cheapest Overall
Average Monthly Rate
Overall Reddit Sentiment
Maximum Annual Limit
Most Unique Coverage Inclusion or Add-On
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 |
*Rates shown are estimates based on our standard profile analysis. Actual costs will vary significantly based on your cat's breed, age, health history, location and chosen coverage options. Contact insurers directly for personalized quotes.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
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.
Lemonade offers the lowest senior cat insurance rates, starting at $42 monthly on average.
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.
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).
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.
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.
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.
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.
