Is Oyen lifetime cover? Age limits for older cats and dogs

No, Oyen isn't lifetime cover. Cats and dogs can join from 12 weeks to 10 years old, and keep renewing every year with no break while they're 13 or younger. Once they turn 14, the policy can't be renewed.

Age limits at a glance

What's different if your pet joins at 6 to 10

• The 6 covered hereditary conditions, like luxating patella and hip dysplasia, aren't available. They need your pet to join before 6.
• Anything your pet already has, or has shown signs of, is pre-existing and not covered.
• New illnesses common in older pets are covered after the 30-day waiting period: kidney disease, diabetes, cancer, bladder stones, urinary tract infections and heart disease, unless it's something they were born with or is known to be inherited in their breed.
• Premiums are higher in older age bands.

For example, a 6-year-old Pomeranian can keep renewing until they turn 14. Luxating patella won't be covered for them, but a new bladder infection, kidney problem or broken leg would be.

Is renewal guaranteed?

Each year our insurer MSIG reviews the premium and terms before inviting you to renew, and we'll send you the details at least 30 days before your policy ends.

FAQs

Can my 11-year-old cat join?

No. Cats and dogs can join up to 10 years old. If your cat is already insured with us and you've renewed every year with no break, they can keep renewing while they're 13 or younger. Once they turn 14, the policy can't be renewed.

My pet turns 13 soon. Can I still renew?

Yes. You can renew while your pet is 13. Once they turn 14, the policy can't be renewed.

Will my premium go up every year?

Not necessarily every year. Your premium is based on your pet's age band (and breed for dogs), their claims and vet costs, so it moves when your pet enters a new age band. Annual plans with no claims get a No Claim Discount of 5%, 10% or 15%.

Is a condition my pet had last year still covered?

Yes, if it started while your pet was covered and you renew on time with no break. Your premium may change, or a deductible may be added, because of the claims. If the policy lapses, that condition becomes pre-existing and is no longer covered.

What's the best age to insure my pet?

As young as possible, and before 6. Pets can join from 12 weeks. Joining before 6 means the 6 covered hereditary conditions can be covered after 12 months, and fewer things will count as pre-existing.

More help

Read our straight answers before you buy for age, renewal, check-ups, pre-existing conditions and claims in one place, and our guide to insuring a senior cat.

Still unsure? WhatsApp us on +60162996840 and we'll answer your question.

Last checked against our MSIG policy: October 2026.