Pet Insurance for Older Dogs | Kennel Club Insurance (2024)

FAQs

Is it worth getting pet insurance for an older dog? ›

While some pet owners insure their dogs as puppies or young adults, many companies will still insure older dogs. Although your policy will exclude pre-existing conditions, it is still worth purchasing pet insurance since senior dogs can encounter new health conditions as they age.

Kennel Club Pet Insurance has no upper age limits that usually prevent senior dogs from being protected with a new lifetime insurance policy. Kennel Club Pet Insurance has a 5-star Defaqto rating, giving you confidence that we will care for your pet throughout their retirement.

Spot has no upper age limit, so your pet won't be denied coverage as it ages. Spot is one of the few providers with an accident-only plan. The provider offers pet parents two base plans plus two options for preventive care add-ons.

Are there any age restrictions for enrolling in dog insurance? You can enroll your dog in pet insurance up until they're 14 years old (plus one day). If you insured your doggo before they turned 14, they'll never age out of their policy as long as you maintain continuous coverage.

Older pets can become unaware of their surroundings, which means they're more likely to have an accident. Treating injuries as a result of an accident is especially important in older pets, so make sure your dog has the right insurance to help support their recovery.

Most insurers won't cover your pet for illnesses once they're over the age of 9 so if you're able to, take out a policy before your pet turns 8. If you do that, they'll usually cover you past the age of 9 as long as you keep paying your premiums. Pre-existing conditions won't be covered.

Trupanion's pricing is likely higher than average because all plans include unlimited coverage and a 90% reimbursem*nt rate. Your plan cost will vary depending on where you live and your pet's breed, age and species. Premiums may also increase incrementally each year as your pet ages.

Can I adjust my policy to offset the increased premium? You can generally expect your pet's insurance coverage cost to increase each year, along with their age.

Dog breeds banned by home insurance companies often include Doberman Pinschers, pit bulls and Rottweilers. Consider shopping around for insurance companies without breed restrictions or buying a canine liability or umbrella insurance policy if you own a restricted breed.

The first pet policy in the U.S. was issued in 1982 by Veterinary Pet Insurance (VPI). VPI was founded by a veterinarian from Orange County, CA.

Can a 10 year old dog get pet insurance? ›

You can buy pet insurance for an older dog, but you should typically expect to pay more for pet insurance than you would for a younger dog. That's because older dogs are more likely to develop health issues and require veterinary care.

Lifetime pet insurance cover is ideal if your pet develops a long-term illness, such as diabetes or arthritis. Because Lifetime pet insurance policies are so comprehensive, they can cost more than Time limited policies, which offer cover for short-term illnesses and injuries.

Canine senior status varies, too. Small dogs are considered senior citizens of the canine community when they reach 11-12 years of age. Their medium-sized friends become seniors at 10 years of age. Their larger-sized colleagues are seniors at 8 years of age.

You can generally expect your pet's insurance coverage cost to increase each year, along with their age. Consider the following, which could help you offset the higher cost of insurance.

The ageing profile of dogs varies according to their adult size (often determined by their breed). Smaller dogs often live over 15 to 16 years. Whereas the medium and large-sized dogs typically live for 10 to 13 years, and some giant dog breeds such as mastiffs often live only for 7 to 8 years.

A new puppy can provide valuable companionship and inspire the older dog to be more mobile. Plus, puppies and their playful antics serve as distractions and sources of entertainment for senior dogs. And this relationship is a two-way street!