Many pet insurance companies will not insure older pets, or the premiums are unaffordable. I have 3 dogs, two of whom are over 10 years old and I have PetFirst policies on all of them. It was a lifesaver for one of my old dogs, who needed expensive eye surgery last year, and developed pneumonia 10 days after surgery. All of that was covered. This year she was diagnosed with lymphoma and is going through chemotherapy, and has also dealt with another bout of pneumonia. All of this is covered. Without insurance I may have had to make the decision to put her down.