Pet Insurance for Older Dogs
Can't find a good insurance plan for your elderly dog? Fret no more because we have listed 6 providers perfect for senior pets.
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The best pet insurance for older dogs are:
- Most Reputable: ASPCA Pet Insurance
- Best Coverage: Fetch by The Dodo
- Most Customizable: Figo
- Most Budget-Friendly: ManyPets
- For Healthy Senior Dogs: Wagmo
- Most Reliable: Trupanion
The cycle of life dictates that, as pets age, the more susceptible they are to health problems and accidents.
For pet parents, the well-being of their senior dogs is top priority, hence they consider getting pet insurance for them.
The real question is, among the many providers out there, which ones are best suited for elderly pets? Let's find out!
What Age Does a Dog Become a Senior?
The general rule of thumb is large breeds have shorter lifespans, and are considered "elderly" earlier. Meanwhile, small breeds age slower after adulthood and reach their senior years at a later time.
Below is a table showing a rough estimate of when a dog becomes a senior based on their size:
| Dog Size | Senior Age |
|---|---|
| Small Breeds | 11 to 12 years old |
| Medium-sized Breeds | 9 to 10 years old |
| Large Breeds | 7 to 8 years old |
Factors like breed, size, health, and genetics can all affect how fast these animals will age.
Statistics show that older dogs are likely to develop certain conditions as they age, such as:
- Hearing and vision loss
- Kidney and heart diseases
- Cancer
- Arthritis
- Joint problems
- Diabetes
- Cognitive dysfunction
6 Best Pet Insurance for Older Dogs
It can be difficult to find good pet insurance for your elderly dog. Some don't provide as much coverage while others are just too expensive. But, there are providers out there with thorough plans at a good price.
Below are some of the best ones for your senior pet:
1. Most Reputable: ASPCA Pet Insurance
ASPCA Pet Insurance is the ideal choice for those who prefer a tried-and-true policy for their elderly pets. They don't have an upper-age limit, meaning you can enroll your dog at any time.
| Price Range for Older Dogs | $55/mo to $90/mo |
|---|---|
| Annual Limit | $2,500, $3,000, $4,000, $5,000, $7,000, or $10,000 |
| Deductibles | $100, $250, or $500[1] |
| Reimbursement | 70%, 80%, or 90% |
| Upper Age Limit | None |
| Covers Pre-Existing Conditions? | Yes (only if it has been cured/symptom-free for 180 days)[2] |
Their standard plan is called the Complete Coverage which covers many things, such as:[3]
- Accidents
- lllnesses
- Dental disease
- Behavioral issues
- Hereditary conditions
- Alternative therapies
It also covers prescription medicine and food, ideal for aging pets who get more vulnerable over time.
All these fall within an estimated price range of $55/mo to $90/mo, which is fairly reasonable for older dogs.
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A pre-existing condition refers to any health issue or problem that your pet has/had prior to the official start date of the insurance policy.
2. Best Coverage: Fetch by The Dodo
Fetch by the Dodo offers one of the most comprehensive pet insurance plans out there. They are perfect for owners who want holistic coverage for their senior dogs.
| Price Range for Older Dogs | $100/mo to $250/mo |
|---|---|
| Annual Limit | $5,000, $10,000, or $15,000[4] |
| Deductibles | $300, $500, or $700[5] |
| Reimbursement | 70%, 80%, or 90% |
| Upper Age Limit | None |
| Covers Pre-Existing Conditions? | Yes (only if it has been cured/symptom-free for 12 months from the enrollment date)[6] |
Their core policy covers a wide scope of conditions, such as:[7]
- Accidental Injuries & Illnesses
- Vet Exam Fees
- Comprehensive Dental
- Congenital & Hereditary Conditions
- Cancer Treatments
- Prescription Medications
- Surgery & Rehab
- Alternative Therapies
- Imaging Tests
It also includes breed-specific issues like hip dysplasia, allergies, and the like, which are not typically offered by most providers. This is why their rates are on the more expensive side at around $100/mo to $250/mo for elderly dogs.
Since they do not have an age cap, you can sign up your senior dog any time and still make the most out of their extensive plan.
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3. Most Customizable: Figo
Figo is the best provider for those who want a flexible plan for their elderly dogs. Figo gives you three options when you sign up for a free quote: Most Popular, Higher Coverage, and Value Plus.
| Price Range for Older Dogs | $25/mo to $190/mo |
|---|---|
| Annual Limit | $5,000, $10,000, or Unlimited |
| Deductibles | $100, $250, $500, $750, $1,000, or $1,500 |
| Reimbursement | 70%, 80%, 90%, or 100% |
| Upper Age Limit | None |
| Covers Pre-Existing Conditions? | Yes (only if it has been cured/symptom-free within 12 months of last treatment) |
The three plans cover the same things, but they differ in annual limit, deductible, reimbursement level, and price. You also have the option to customize your own package based on your budget and preference.
Figo offers a core plan that includes the following:[8]
- Common illnesses
- Accidents and emergencies
- Chronic conditions
- Hereditary/congenital disorders
- Cancer
- Prescriptions
The cost varies per pet but the estimated price for senior dogs starts at around $25/mo and can go up to over $190/mo.
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4. Most Budget-Friendly: ManyPets
ManyPets offers good coverage at an affordable price. They are a great option for pet owners who are on a budget but still want quality inclusions for their aging dogs.
| Price Range for Older Dogs | $40/mo to $70/mo |
|---|---|
| Annual Limit | Unlimited |
| Deductibles | $500 or $700 |
| Reimbursement | 70% or 80% |
| Upper Age Limit | 14 years old for enrollment |
| Covers Pre-Existing Conditions? | Yes (only if it has been treatment and symptom-free for 18 months) |
The average price of their plans ranges from $40/mo to $70/month, which is relatively lower compared to other providers.
Their standard policy includes the following:[9]
- Unexpected Accidents & Illnesses
- Exams & Tests
- Prescribed Medications
- Treatments & Surgeries
- Hospitalization Fees
- Vet Visit Fees
They also have an optional wellness add-on that reimburses you for your senior dog's routine exams, vaccines, dental cleaning, and more at an extra cost.
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5. For Healthy Senior Dogs: Wagmo
Wagmo is ideal for those with healthy senior dogs. They offer two independent packages: Pet Wellness plan and Pet Insurance plan.
| Price Range for Older Dogs | $45/mo to $70/mo |
|---|---|
| Annual Limit | $20,000 |
| Deductibles | $250, $500, or $1,000 |
| Reimbursement | 90% or 100% |
| Upper Age Limit | None |
| Covers Pre-Existing Conditions? | No |
You can opt to enroll your aging pet to either one (or both) depending on your preference. Wagmo's Pet Insurance plan covers the following:[10]
- Prescription Medications
- Virtual & In-Person Care
- Hereditary Conditions
- Pet Ambulance
- Cancer Treatment
- Orthopedics
- End-Of-Life Costs and more
These conditions fall within a price range of around $45/mo to $70/mo for elderly dogs, which is also on the affordable side.
On the other hand, Wagmo's Pet Wellness plan includes:
- Routine Bloodwork
- Fecal Test
- Urinalysis
- Vaccines
- Grooming
- Flea/Tick/Heartworm
- VETalk Chats
All these come at an average cost of around $40/mo, a reasonable price for the everyday care of your aging pet.
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Yes, any congenital or hereditary disease that manifested prior to the enrollment date or during the waiting period is a pre-existing condition. Thus, most insurance providers will most likely not cover it in their policy.
6. Most Reliable: Trupanion
Trupanion is one of the most popular and reliable pet insurance providers in the U.S. They are a good option for those willing to splurge on their elderly dogs.
| Price Range for Older Dogs | $100/mo to $400/mo |
|---|---|
| Annual Limit | Unlimited[11] |
| Deductibles | $0 to $1,000[12] |
| Reimbursement | 90% |
| Upper Age Limit | 14 years old for enrollment |
| With Pre-Existing Coverage? | No |
They cover illnesses and injuries, breed-specific conditions, and medical procedures. They also offer an add-on that covers other inclusions, such as:[13]
- Acupuncture
- Chiropractic sessions
- Rehab
- Hydrotherapy
This provider is on the more expensive side, with an estimated price range of $100/mo to $400/mo for senior pets.
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How pet insurance works
Policies can be full of technical terms. But here are some terms your selected provider may use in your pet's insurance:
- Annual Limit
The maximum amount that you can get reimbursed during your policy year. - Reimbursement Level
The amount or percentage of the bill your pet insurance company will cover. - Deductible
The amount you need to pay before you get reimbursed. - Upper Age Limit
The maximum age a dog can be enrolled into a pet insurance plan.
Say you've decided to pick an insurance plan for your senior pet. Here's how it will work:
You'll need to search for pet insurance that covers your dog's age. Many pet insurance products have an upper age limit or age cap. Make sure your senior dog's age is within the limit to qualify. Ideally, you'll choose a plan that doesn't have an upper age limit.
Once you decide on a package, you need to pay monthly premiums. You will choose the reimbursement level, deductible, and annual limit. These factors affect the amount of premiums you'll pay.
When medical emergencies come, you need to pay the deductible amount first. Typically, the higher your monthly premiums, the lower deductibles you need to settle.
Then, the insurance company reimburses a percentage of the bill depending on your reimbursement level. Ideally, you should have lower expenses to cover with the right pet insurance.
Does Pet Insurance Cost More for Older Dogs?
Yes, pet insurance for senior dogs tends to be pricier compared to that of puppies or adults despite having the same coverage.
This is because aging pets are more likely to get into accidents or develop illnesses. Thus, they have a higher chance of needing medical attention over time.
Is Getting Pet Insurance Worth It?
The answer to this question will vary per person. It really depends on things like the condition of your pet and your own financial situation.
If your elderly dog already has lot of pre-existing conditions, then getting pet insurance may not be worth it. Providers won't cover any preceding and reoccurring health issues your dog has so you won't be able to make the most out of your policy.
However, if your senior dog is still healthy, enrolling them in a plan is a good (and financially sound) decision. It is best to have them insured while they are fit and well so they are able to maximize the coverage should the need come.
The general consensus is that the earlier you enroll your pet in an insurance policy, the better. If you get a puppy, consider signing them up as soon as they are eligible for one. Meanwhile, if you adopt an adult/senior dog, it's best to purchase a plan within 4-6 months from their adoption date.
How to Choose the Best Pet Insurance
Now, let's delve into some factors you should take into account so you can find the best suited insurance plan for your senior dog.
Age Eligibility
While most of the companies mentioned above have no age limits, there are many providers in the U.S. that have an age cap, especially for senior dogs. This means that they don't accept the enrollment of pets over a certain age.
It would be more convenient overall to find one that doesn't have an upper-age limit so you can purchase one for your older pet at any time.
Price & Coverage
It is no secret that pet insurance for older dogs is generally more expensive. However, a higher cost doesn't equate to more coverage. In fact, there are many comprehensive plans out there that fall within a reasonable price range.
Thus, you really have to do your research and check out as many pet insurance policies as you can before making a final decision.
Pre-Existing Conditions
Another important thing you should look out for when choosing a plan for your older dog is whether they cover pre-existing conditions.
There are companies that include this in their policies as long as the animal has been in treatment and symptom-free for a certain number of days.
Customizability
In relation to the previous component, finding a flexible plan also bodes well for pet owners with elderly dogs. You can customize your policy based on the condition of your pet and your own financial situation, allowing you to control your premium.
Add-On Options
Wellness care is just as important as emergency care when it comes to senior dogs. Luckily, a lot of providers out there offer routine care add-ons to complement their plans.
If you want holistic coverage for your aging pet, definitely consider getting add-ons with your chosen policy.
Bottom Line
Ultimately, it is better to get pet insurance for your canine as soon as possible. It ensures that they will get guaranteed coverage should any medical issue/accident occur.
But, don't worry too much because there are many providers in the U.S. that are willing to enroll older dogs. Just remember that it is never too late — especially if your senior pet is still healthy and happy!
References
- ^ ASPCA Pet Insurance. how does pet insurance work?, Retrieved 12/27/23
- ^ ASPCA Pet Insurance. pet insurance and pre-existing conditions, Retrieved 12/27/23
- ^ ASPCA. Coverage For Cats And Dogs, Retrieved 11/24/2023
- ^ Fetch by the Dodo. What's an annual coverage limit?, Retrieved 12/27/23
- ^ Fetch by the Dodo. How can you meet your pet insurance deductible fast?, Retrieved 12/27/23
- ^ Fetch by the Dodo. Pet insurance & pre-existing conditions., Retrieved 12/27/23
- ^ Fetch Pet Insurance. What's Included, Retrieved 11/24/2023
- ^ Figo. What Does Figo Cover?, Retrieved 11/24/2023
- ^ ManyPets Insurance. What Does Pet Insurance Cover?, Retrieved 11/24/2023
- ^ Wagmo Pet Insurance. What We Cover, Retrieved 11/24/2023
- ^ Trupanion. When we say no limits,we. mean. no. limits., Retrieved 12/27/23
- ^ Trupanion. What is a deductible, and how does it work?, Retrieved 12/27/23
- ^ Wagmo Pet Insurance. What Is Recovery & Complementary Care Coverage?, Retrieved 11/24/2023
Write to Darlene Santos at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
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