If you have a senior dog, you already know they require extra care, regular vet visits, and sometimes unexpected medical treatments. Aging brings a higher risk of health issues like arthritis, heart disease, and dental problems, which can lead to hefty vet bills. While we all want to give our pets the best care possible, the costs can add up quickly. That’s where older dog insurance comes in—it helps cover medical expenses, ensuring your furry friend gets the treatment they need without putting financial strain on you.
But here’s the big question: Is it easy to get pet insurance for senior dogs? Many pet owners worry that insurers won’t cover their aging dogs, or that the premiums will be too expensive. You might also be wondering, how much does it cost? And most importantly, is it worth it?
The good news is, there are plenty of options for insuring older dogs—but not all policies are created equal. Some cover illnesses and chronic conditions, while others only protect against accidents. Understanding the differences will help you make the best choice for your dog’s needs and your budget.
In this guide, we’ll break down everything you need to know about older dog insurance, from types of coverage and costs to the best providers and money-saving tips. Let’s dive in and find the right insurance plan for your loyal companion!
Can you get pet insurance for an older dog?
Yes, but it depends on the provider. Many pet insurance companies have age limits, meaning if your dog is past a certain age (usually 8-14 years, depending on breed), your options may be limited. However, some insurers specialize in covering older dogs, offering plans tailored to their unique health needs.
So, what’s the oldest age you can insure a dog? That varies. Some companies allow enrollment at any age, while others stop accepting new policies for senior pets. If your dog is already insured before reaching the cut-off age, you can usually continue coverage as long as you maintain the policy.
Even if your dog is already in their golden years, it’s still worth looking into insurance. While some plans may exclude pre-existing conditions, they can still help cover accidents, new illnesses, and even routine care in some cases. The key is to compare providers and find one that offers the right balance of coverage and affordability.
Common health problems in older dogs
As dogs age, they become more susceptible to various health conditions that can impact their quality of life. Regular vet check-ups, a proper diet, and exercise can help, but some issues may still arise. This is where older dog insurance can be a lifesaver, helping you manage the costs of ongoing treatments and unexpected medical care.
Here are some of the most common health problems senior dogs face:
- Arthritis – One of the most prevalent issues in aging dogs, arthritis causes stiffness, joint pain, and reduced mobility. You may notice your dog struggling to get up, hesitating before climbing stairs, or avoiding long walks. Treatment often includes pain management, joint supplements, and in some cases, physical therapy.
- Gum Disease – Poor dental health can lead to infections, pain, and even tooth loss. Left untreated, bacteria from gum infections can enter the bloodstream and cause more serious complications, such as heart or kidney disease. Regular dental cleanings and proper oral care are essential.
- Cataracts – As dogs age, their eyes may develop a cloudy appearance, which can gradually affect their vision. Some dogs adapt well, but in severe cases, cataract surgery may be necessary to restore sight.
- Heart Conditions – Older dogs are at an increased risk of developing heart disease, including congestive heart failure. Symptoms like coughing, difficulty breathing, and fatigue may indicate a heart problem that requires ongoing medication and monitoring.
Cancer – The risk of cancer increases with age, and tumors—both benign and malignant—become more common. Treatment options vary and may include surgery, chemotherapy, or palliative care, depending on the type and severity of the condition.
Types of older dog insurance
Not all pet insurance policies are the same, and choosing the right one for your senior dog depends on their needs and your budget. Here are the four main types:
Lifetime Pet Insurance – This is the most comprehensive option, covering ongoing illnesses or chronic conditions for life, as long as you renew the policy each year. It’s ideal for senior dogs with long-term health issues, but it tends to be the most expensive.
Maximum Benefit Pet Insurance – This policy provides a set payout for each condition. Once that limit is reached, no further claims can be made for that specific illness or injury. It offers decent coverage but may not be enough for dogs with chronic conditions requiring long-term treatment.
Time-Limited Pet Insurance – Covers conditions for a limited time, typically 12 months from the first claim. Once that period ends, you won’t be able to claim for the same condition again. This is a more affordable option, but it’s not the best for managing long-term illnesses.
Accident-Only Pet Insurance – The most basic and budget-friendly option, covering injuries from accidents but not illnesses. While it won’t help with age-related conditions, it can be useful for unexpected injuries, like fractures or wounds.
If your dog already has a chronic illness, check whether the insurer covers pre-existing conditions. Some policies may exclude them, while others may provide limited coverage.
How much does older dog Insurance cost?
The cost of older dog insurance varies based on several key factors.
- Your dog’s age and breed – Larger breeds and those prone to genetic conditions typically have higher premiums.
- Pre-existing conditions – If your senior dog already has a medical condition, coverage options may be limited, and premiums may be higher.
- Coverage type and limits – Comprehensive plans that cover illnesses, accidents, and routine care cost more than accident-only policies.
- Your location – Vet costs differ from one region to another, affecting insurance prices.
Since senior dogs require more frequent medical attention, their insurance premiums tend to be higher than those for younger pets. Some insurers offer budget-friendly options, while others specialize in senior pet coverage. It’s always a good idea to compare plans, check for discounts, and read the fine print before making a decision.
Is older dog insurance worth It?
Many pet owners debate whether it’s better to set aside savings for vet bills instead of paying monthly premiums. While saving money for future expenses is a great idea, the reality is that a sudden illness or emergency surgery can quickly drain those savings. Veterinary treatments for serious conditions can cost thousands of dollars, and not everyone can afford to cover these unexpected expenses out of pocket.
Older dog insurance can help cover:
- Chronic illnesses like diabetes, arthritis, and kidney disease, which require ongoing treatment
- Emergency care for sudden injuries, poisoning, or life-threatening conditions
- Specialized treatments such as chemotherapy, heart surgery, or physical therapy
- End-of-life care, including palliative treatments and humane euthanasia when necessary
Beyond financial protection, insurance provides peace of mind. You won’t have to make difficult decisions based on cost alone, ensuring your senior dog gets the best possible care in their golden years.
The importance of insuring your older dog early
One of the biggest advantages of insuring your dog while they’re still young or middle-aged is lower premiums. Pet insurance works similarly to human health insurance: the younger and healthier your dog is when you enroll, the more affordable the coverage will be. As dogs age, the risk of developing chronic conditions like arthritis, heart disease, or diabetes increases, which means insurance companies charge higher premiums—or may even deny coverage altogether. By signing up early, you lock in better rates and avoid the stress of skyrocketing costs later on.
Another key benefit is continuous coverage without exclusions for pre-existing conditions. If you wait until your dog starts showing signs of illness before looking into insurance, you’ll likely run into a frustrating reality: most policies won’t cover pre-existing conditions. That means if your dog develops something like hip dysplasia, kidney disease, or cataracts before you get insured, you’ll have to pay for all related treatments out of pocket. However, if you enroll while your dog is still relatively healthy, any future conditions that develop will be covered—giving you peace of mind that they’ll always get the care they need.
Think of pet insurance as a safety net for the unexpected. Even if your dog is perfectly healthy now, accidents and sudden illnesses can happen at any time. A torn ligament, an ingested object, or an emergency surgery can cost thousands of dollars. With insurance, you don’t have to make heartbreaking decisions based on finances. Instead, you can focus on getting your furry friend the best possible treatment without worrying about how you’ll afford it.
Beyond medical expenses, some pet insurance plans also offer wellness benefits, covering things like vaccinations, routine check-ups, and dental cleanings. These preventative measures are crucial for keeping your senior dog healthy, but they can add up over time. Having an insurance plan that helps with these costs can make it easier to stay on top of your dog’s health needs without breaking the bank.
Tips on how to save money on older dog insurance
Pet insurance for senior dogs can be pricey, but there are ways to make it more affordable without sacrificing coverage. Here are some practical tips to help you save money:
- Adjust coverage levels – Choosing a higher deductible or lower payout can significantly reduce your monthly premium. Just make sure the coverage still meets your dog’s healthcare needs.
- Look for discounts – Some insurers offer discounts for enrolling multiple pets, renewing policies, or staying claim-free for a period of time. It’s worth checking if you qualify.
- Compare pet insurance quotes – Prices vary between providers, so take the time to shop around. Use comparison sites or get quotes directly from insurers to find the best balance of cost and coverage.
- Consider accident-only plans – If your dog is relatively healthy but you want financial protection against unexpected injuries, an accident-only policy may be a cheaper option.
- Start insurance early – If your dog is still within the eligible age range for lower premiums, getting insured sooner rather than later can lock in better rates before health issues arise.
With a little research and smart decision-making, you can find a policy that fits your budget while still ensuring your senior dog gets the care they deserve.
Best pet insurance companies for older dogs
Finding the right pet insurance for your senior dog can be overwhelming, but some providers stand out for their coverage options, affordability, and willingness to insure older pets. Here are some top 10 choices to consider:
- ManyPets
ManyPets offers flexible pet insurance plans designed to suit a wide range of dog breeds and health conditions. A standout feature is their coverage for pre-existing conditions—something many competitors don’t offer. Their policies range from basic accident-only coverage to comprehensive plans that include illness, dental care, and alternative treatments like acupuncture and hydrotherapy.
- Petplan
A well-established name in pet insurance, Petplan is known for its reliability and exceptional customer service. Their policies provide extensive coverage, including dental care and physiotherapy—benefits often excluded by other providers. With lifetime policies available, ongoing conditions are covered year after year, ensuring long-term protection for your pet.
- Agria
Agria specializes in lifetime policies, guaranteeing continuous coverage regardless of your dog’s age or medical history. This is particularly beneficial for breeds prone to chronic or hereditary conditions. Their flexible plans cater to different budgets, allowing you to choose a coverage level that meets your needs.
- PetProtect
PetProtect is a great option for purebred dog owners, as their policies cover hereditary and congenital conditions. They also offer generous coverage limits and customizable policies, giving you the flexibility to design an insurance plan that fits your budget. Multi-pet discounts are available for those with more than one furry friend.
- Animal Friends
Offering comprehensive coverage at competitive prices, Animal Friends also stands out for its charitable donations to pet welfare organizations. Their policies cover a wide range of medical treatments, including alternative therapies like acupuncture and hydrotherapy. Plus, their digital claims process makes filing and tracking claims quick and easy.
- Sainsbury’s Bank
Sainsbury’s Bank Pet Insurance provides multi-pet discounts and exclusive benefits for Nectar cardholders, making it a cost-effective choice for existing customers. They offer different coverage levels, including accident-only and lifetime policies. With a straightforward claims process and optional add-ons like dental and travel cover, their policies offer great flexibility.
- Healthy Pets
For budget-conscious pet owners, Healthy Pets offers simple, affordable policies covering accidents and illnesses. While their plans may not be the most comprehensive, they provide essential protection at a low cost. It’s an excellent option for those looking for basic coverage without unnecessary extras. However, be sure to check exclusions, especially for older pets or pre-existing conditions.
- More Than
More Than Pet Insurance offers excellent multi-pet discounts, ideal for households with multiple pets. Their policies include comprehensive coverage options, such as dental care and overseas travel insurance—perfect for pet owners who take their dogs on trips. A 24/7 vet helpline adds an extra layer of support, ensuring expert guidance at any time.
- VetsMediCover
VetsMediCover is known for its high coverage limits, with some policies covering up to £10,000 per year. This makes it a strong choice for pet owners who want to be prepared for costly vet bills. Their policies also cover complementary therapies like physiotherapy and acupuncture, and they offer a simple, transparent claims process.
- Quays
Quays is rapidly gaining recognition in the UK pet insurance market, offering tailored policies without unnecessary extras. Our plans range from basic accident-only coverage to fully comprehensive options, ensuring flexibility and affordability.
Key benefits of Quays include:
- Competitive pricing without compromising coverage quality.
- 24/7 vet support for expert advice anytime.
- Fast and hassle-free claims processing.
- Flexible payment options to fit any budget.
- Dedicated customer service that prioritizes pet owners’needs.
Choosing Quays means opting for reliable, customizable insurance that provides peace of mind while ensuring your dog receives top-tier care—without the financial strain.
What happens if my senior dog develops a condition after I get insurance?
If the condition is diagnosed after the policy is active, it should be covered as long as it falls within the policy’s terms. However, if you let your policy lapse and then renew later, the condition may be considered pre-existing and excluded from coverage. Some insurers offer coverage for pre-existing conditions if they have been symptom-free for a certain period (usually 12 to 24 months). Others may cover only new health issues while excluding any treatment related to the pre-existing condition. This is why maintaining continuous coverage is crucial, especially for senior dogs.
Are there any waiting periods for coverage when insuring an older dog?
Yes, most pet insurance companies have waiting periods before coverage kicks in. This can range from a few days for accidents to several weeks for illnesses. Some insurers also impose longer waiting periods for specific conditions, such as orthopedic issues or hereditary diseases, which can have waiting times of up to six months. If you’re insuring an older dog, check whether there are any special waiting periods for senior pets, as some companies have different policies based on age. To avoid gaps in coverage, it’s best to enroll your dog before they develop health issues.
Does pet insurance get more expensive with age?
Yes, pet insurance premiums increase as dogs get older due to the higher likelihood of health issues. Just like with human health insurance, older pets are more prone to illnesses, chronic conditions, and unexpected medical emergencies, making them riskier to insure.
Here are a few reasons why premiums go up with age:
- Increased vet visits – Senior dogs require more frequent check-ups, diagnostic tests, and treatments for age-related conditions like arthritis, heart disease, or kidney issues.
- Higher risk of chronic illnesses – Conditions like diabetes, cancer, and joint problems become more common as dogs age, leading to higher claims.
- More expensive treatments – Older dogs may need specialized treatments, surgeries, or long-term medications, which raise the cost of coverage.
- Fewer new policy options – Some insurers stop offering new policies for older dogs, meaning owners must stick with their current provider, even if premiums rise.
That said, some companies offer policies with fixed premium increases or discounts for long-term customers. If you want to keep costs manageable, it’s a good idea to compare different plans, adjust coverage as needed, and enroll your dog in insurance while they’re still young.
Are there specific breeds that cost more to insure in their older years?
Yes, larger breeds and those prone to hereditary conditions (like Bulldogs, German Shepherds, or Dachshunds) often have higher premiums due to their increased risk of health issues. Giant breeds like Great Danes and Saint Bernards are especially costly to insure because they have shorter lifespans and are prone to joint problems, heart disease, and other age-related conditions. Similarly, breeds with known genetic disorders, such as Cavalier King Charles Spaniels (prone to heart disease) or Labrador Retrievers (prone to hip dysplasia), may have higher premiums due to the likelihood of needing long-term medical care. If you own one of these breeds, it’s a good idea to get coverage early before any health issues arise.
Does pet insurance cover euthanasia?
Some pet insurance policies cover euthanasia, but it depends on the provider and the specific policy. Typically, if euthanasia is deemed medically necessary due to a terminal illness or severe injury, insurance may cover the cost. However, if it’s an elective decision without a medical necessity, coverage is less common.
- Covered under some plans – Certain comprehensive policies may include euthanasia costs, particularly if it’s recommended by a vet for humane reasons.
- Cremation or burial costs – Some policies also offer partial reimbursement for cremation or burial expenses, but not all do.
- Check the fine print – It’s essential to read the policy details to understand what’s covered and what isn’t.
If end-of-life care is a concern, consider a policy that includes euthanasia coverage or look for pet savings plans that help with these expenses.
Do you need vet records to insure a senior dog?
Yes, most pet insurers require vet records when enrolling a senior dog. These records help insurers assess your dog’s overall health and determine if there are any pre-existing conditions, which are typically not covered.
- Medical history check – Insurers review past vet visits, treatments, and existing conditions before approving coverage.
- Pre-existing conditions exclusion – If your dog has been previously diagnosed with a condition, insurance won’t cover related treatments.
- Early enrollment advantage – Insuring your dog before they develop major health issues can help avoid exclusions later.
If you’re considering older dog insurance, having up-to-date vet records will make the process smoother and ensure you get the most accurate coverage options.
Conclusion
Insuring your senior dog may not always seem like a priority—until an unexpected illness or accident arises. By securing the right coverage early, you can ensure that your furry friend receives the best possible care without financial stress. Whether it’s managing chronic conditions, covering emergency treatments, or simply giving you peace of mind, the right insurance plan can make all the difference in your dog’s golden years.
Take the time to compare options, read the fine print, and choose a policy that fits your dog’s needs and your budget. Your loyal companion has given you years of unconditional love—now it’s your turn to give them the care and security they deserve.
