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Purchasing Pet Insurance For
Older Dogs



Age matters when considering pet insurance for older dogs.

Helpful Tips When Considering Pet Insurance:

Although pet insurance might not be for every dog owner, with the rising cost of vet care, it's definitely worth looking into.

Age/Breed Matter
Although there are several different companies that offer pet insurance, most have a cut off age for obtaining coverage for your best friend. This cut off age can also be different based upon breed and the reason for this is that certain breeds are predisposed to particular diseases.

During our research, we found that it's best to purchase pet insurance before the age of five. Reason being, five is the cut off period for certain breeds, while other breeds including mixed breed are the age of eight or nine.

If you have a dog above the age limit, you do still have an option. There is a company that accepts all animals at any age and it doesn't matter if the animal has an existing illness or not, providing your vet participates in the program. If your vet doesn't, you can always refer him.

They offer coverage for a single pet for $99 annually or a family plan that covers four animals for $149 a year.

Office exams, shots, dental, surgery:
You receive 25% off of your bill right away at the vets office and there are no deductibles

So if your pet is above the age limit for traditional pet insurance and budget is a concern, you can at least save 25% on your pets care.


Pet Insurance Reviews

The following pet insurance carrier ratings are based upon the experiences from other pet owners on a scale between 1-10. These pet owners have rated these companies at Pet Insurance Reviews.

Keep in mind that these ratings can change. The ratings that we are sharing with you were from February 1, 2008.

Pet Insurance Companies

  • Hartville/ASPCA Rating of 5.5
    (They do offer pet insurance for older dogs up to the age of 13)

  • Embrace Rating of 9.26

  • PetPlanUSA Rating of 9.81

  • Pet First Healthcare Rating of 9.42

  • VPI Rating of 4.91

  • Pet Assure Rating of 8.69

  • Pet Care Rating of 5.16

  • Pets Best Rating of 7.48

  • AKC Rating of 4.22
    Ask Questions

  • Do they offer pet insurance for older dogs and what is the age limit to enroll?

  • Are hereditary diseases covered? Is there a dollar limit/time restriction?

  • Ask if they cover pre-existing conditions (most don't)?

  • What don't they cover (office exams, etc.)?

  • Do they offer any discounts (eg: multiple pet, online enrollment, etc.)?

    If you don't already know, learn what diseases and illnesses are common within your dog's breed, even if your dog is a mixed breed.


    Old Dog Care Guide - Links To More Pages

    Is Your Dog Senile? There Is A New Medication Available.

    Coping With The Loss Of A Loved Pet

    Hip Dysplasia - Treating It Naturally

    House Training An Older Dog

    Return From Pet Insurance For Older Dogs To Our Home Page

    Cat and Dog Health Insurance Resource - A brief online directory of pet insurance providers.

    footer for pet insurance for older dogs page