Is there pet insurance for older dogs?


It depends how old your dog is. Most pet insurance companies have a maximum age limit when they accept pets for coverage.

However, there are also insurance companies that sell pet insurance specifically designed for older dogs. These are very similar to other kinds of pet insurance but the benefits are crafted with the needs of older dogs in mind.

Common Problems of Older Dogs

Thanks to innovations on veterinary health care, our dogs are now able to live a long life. By "older" dogs, we would mean one that is at the last 25% of the usual breed's lifespan. If your dog has a life expectancy of 12 years, then that dog is old at 8 years old.

However, as our dog ages, age-related disease begin to set in. You are faced with more expenses for medical treatments in order to maintain your pet's quality of life. These include conditions such as canine arthritis, diabetes, glaucoma, blindness, deafness, dental disease, heart disease and cancer.

Benefits of Pet Insurance When Your Dog Is Old

Pet insurance will help you afford the necessary treatments for your dog.

That is why we highly recommend pet insurance as this will help provide reimbursements for payments of veterinarian treatments (for illnesses or injuries like strokes and seizures, bone fractures, cancer, and heart disease).

It will also pay for accident-related expenses such as bite wounds and abscesses, foreign body ingestion, motor vehicle accidents, poison ingestion, allergic reactions to insect bites and burns.

The pet insurance may also provide payment for accidental death, an owner's bequest (in case you pass away before your dog) and euthanasia.


Pet insurance for older dogs also have exclusions - they don't cover your dog's pre-existing conditions. If you have your older dog insured and you file a claim, you may need to present your pet's veterinary records to show that your dog did not have the condition you have been claiming for.

The premiums are also higher than those offered for younger pets. This is because older dogs pose a higher risk of having a disease or getting involved in an accident. In fact, premiums increase as the dog's age increases.

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