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Senior Cat Insurance

E&L® are senior cat insurance specialists and provide comprehensive, low cost senior cat insurance with a range of competitively priced plans and excellent levels of cover for your cat. Each plan covers Vet's Fees for illness or injury up to 365 days from the date that the pet first displayed clinical signs of the illness/injury.

No matter how old your cat is you can have the reassurance and piece of mind that your cat will be covered with our senior cat insurance policy.

Senior cat insurance policies start from as little as £10.06 per lunar monthly policy and we offer a 45% premium discount when buying online and a 10% Multi-pet discount for insuring more then one cat.

E&L® have been providers of senior cat insurance for over 20 years.

Senior Cat Insurance Cover Options

We have three Time Limited Senior Cat Insurance Cover Options to choose from:

  • Silver senior cat insurance - vet's fees up to £4,000
  • Gold senior cat insurance - vet's fees up to £5,000
  • Diamond senior cat insurance - vet's fees up to £6,000

View our Senior cat insurance FAQs and our Tips and advice

Senior Cat Policy Information

The following cover benefits are for dogs and cats aged over 8 years, for pets aged 5 weeks to under 8 years please see our Pet Insurance policy.

  Silver Gold Diamond
Monthly1 Yearly Monthly1 Yearly Monthly1 Yearly
Vet's Fees

Due to accident or illness including hospitalisation, physiotherapy, certain prescription diets, treatment and referral. No cover for disease or illness showing clinical signs within 14 days of policy inception.

£1,000 limit per condition
£1,000 limit per condition
£5,000 £4,500 £6,000 £5,500
Death of Pet

Due to accident or illness. We can pay up to the price paid or market value whichever is less. No cover for disease or illness showing clinical signs within 14 days of policy inception.

£750 £500 £1,000 £750 £1,500 £1,250
Boarding Kennel/Cattery Fees

If you are in hospital for more than 3 days we can cover the cost of boarding.

£750 £500 £1,000 £750 £1,500 £1,250
Holiday Cancellation

Due to emergency surgery on your pet within 14 days of departure.

£1,000 £750 £1,500 £1,250 £2,500 £2,000
Advertising and Reward

If your pet goes missing, you may want to advertise and give a reward.

£600 £450 £800 £650 £1,000 £750
Loss by Theft or Straying

We pay you up to the price you paid or the market value, whichever is less.

£750 £500 £1,000 £750 £1,500 £1,250
Accidental Damage

Accidental damage to a third party's property.

£500 £250 £750 £500 £1,000 £750
Burglar Reward

If your cat catches an intruder in your home.

£500 £250 £750 £500 £1,000 £750
Transport Costs

If your vet refers you to another practice or veterinary school.

£150 £100 £200 £150 £250 £200
Personal Accident

If you have to take time off work after being bitten by your pet.

£150 £100 £200 £150 £250 £200

Area Classification

  • Area A: All counties other than those in Area B or Area C
  • Area B: Berkshire, Essex, Sussex, Hertfordshire, Kent, Middlesex and Surrey
  • Area C: London


The excess is the amount you pay towards a claim. It is from £65–£169 (dependent on the area of the country, breed of pet and the plan type you have chosen) except Public Liability claims where the excess is £260. Claims over £1,000 in value are subject to a double excess.

1. Lunar monthly policy (more information)

The following discounts are available on E&L® Senior Cat Insurance:

  • 45% online discount
  • 10% multi pet discount

The total maximum discount per policy is 55%.

Introductory discounts provided only apply to new policies taken out online.

To be eligible for E&L® Senior Cat Insurance the following conditions must be met:

  • The policyholder is a UK resident aged over 18 years
  • The Cat must be aged between 5 weeks and 8 years of age
  • E&L must be advised of any pre-existing medical conditions

Please see the Cat Insurance Policy Wording for full eligibility criteria.

Register a Claim

Several of our claim forms are available to download online in PDF format. After completing the form you will be provided with a download link to your requested claim form which you can simply print out, fill in and either fax or post to us.

To complete the form please click here

View our Testimonials pages.