Pet Insurance Review - compare rates & benefits  
  Home | Blog | About | For Vets | Resources | Contact  

Pet Insurance 101
Dog Insurance
Cat Insurance
Canada Dog Insurance
Canada Cat Insurance

How To:
Get Quotes
Select an Insurer
Make a Claim
Save Money

Find Vets

US Pet Insurers
Healthy Paws
Petplan USA
Pets Best
VetCare Health

Canada Pet Insurers
Pets Plus Us
PC Financial
 Petfirst Healthcare

Other Options
Pet Assure
United Pet Care


UK Pet Insurance


How do I figure out which pet insurance plan is best for my older dog?

Pet insurance is complicated enough, but it presents a special problem for owners of older dogs and cats. Issues you need to be aware of:

Age Limits:

Get Free Quotes

Pet Name:  
Type of Pet:     Dog     Cat

Other Articles
Is cheap pet insurance a good idea?
Which insurance plan should I get for my older dog?
Pet insurance vs. savings account
Many insurers don't like to cover older pets because they require more frequent and expensive vet treatment than younger pets. Consequently, many insurers limit the age at which they will offer coverage for new pets. The age limit varies from around 8 - 12 years of age. However, if a dog or cat is enrolled at a young age, the insurer will continue coverage throughout the pet's life. The cost may go up over time, but your older pet can remained insured.

A few pet insurers do not have an age limit for new enrollees: Purina, Pets Best and 24PetWatch will issue new policies for older pets. In fact, 24PetWatch has a policy (QuickCare Senior) created specifically for older dogs and cats.

Pre-existing conditions are not covered

Many people hold off buying pet insurance when their pet is young and healthy, figuring they will get insurance when their pet is older and needs more expensive care. However, if your pet comes down with an illness or condition or even shows signs of a particular illness or condition, any pet insurance you subsequently buy will exclude this condition from coverage.

Owners of older pets should be aware that any insurance plan they purchase will specifically exclude coverage for pre-existing conditions.

Coverage Types

As mentioned above, only 3 pet insurers currently offer full coverage for older pets. However, several other companies will insure older pets against accidents (hit by car, attacked by another dog, etc.) These policies specifically exclude coverage for illnesses or preventive care. This type of coverage is an affordable option for older pets, but make sure you understand what you are buying.

Comment on this Article

Your Name
Enter the characters below

© 2010 |