When your pets enter their golden years, they generally require more medical attention than they did when they were longer. This can leave some pet parents wondering whether they can get pet insurance insurance for an older pet.
In short, most companies do offer coverage for senior pets. However, pet insurance policies for older dogs and cats may have added exclusions, restrictions and other terms, so it’s important to read the fine print before signing the dotted line.
How insurance companies define senior animals
Pet insurance for senior pets works much the same as coverage for younger animals. It provides financial assistance for unexpected veterinary expenses. However, as pets age, insurers may impose certain restrictions or adjust the terms of coverage.
The classification of a pet as “senior” can vary based on species, breed and size.
The American Animal Hospital Association (AAHA) considers cats over the age of 10 to be seniors, but determining dog life stages is a little more complex (mostly because of their size differences).
Generally, dogs are considered seniors when they reach the last 25 percent of their breed’s expected lifespan. Due to their shorter lifespans, giant dog breeds may classify as senior as early as six years. On the other hand, small or toy breeds may only reach this point at age 11.
Exclusions or restrictions for older pets
Insurance for senior pets typically comes with more limitations compared to younger pets:
- Age limits: While many of the best pet insurance companies offer some form of coverage for senior pets, they may have a maximum age for new enrollments.
- Comprehensive vs. limited coverage: Some pet insurance providers limit older pets to accident-only policies, which cover treatments for accidental injuries but not illnesses and genetic conditions.
- Increased exclusions and limitations: Policies for older pets often have more exclusions, especially concerning pre-existing conditions. Most pet insurers don’t cover health issues that existed before the policy’s coverage began, which can be problematic for older cats and canines.
- Higher risk of health issues: As your furkids enter their golden years, they are more likely to develop chronic conditions and other health issues. This increased risk impacts the coverage options available and the cost of premiums.
- Medical history: Even cheap pet insurance companies often require a detailed medical history for older pets to determine whether they’re eligible for coverage and what that coverage will look like.
- Premiums: The cost of pet insurance for older pets is typically higher than what you’d pay for younger animals. This reflects the increased likelihood your four-legged friend will need medical care as they age.
The importance of insurance for aging pets
Despite the potential for higher premiums and exclusions, pet insurance for older animals can still offer significant value. A policy can help cover the costs of unexpected illnesses and injuries, providing peace of mind and financial relief.
Financial protection against unexpected costs
Older pets tend to develop health issues more frequently. Pet insurance can help cover the costs of treating conditions such as chronic diseases, arthritis and dental problems and ease the financial strain associated with paying for those treatments.
Coverage for chronic illnesses
Some pet insurance policies cover chronic conditions, which can be particularly beneficial for older pets who may develop long-term illnesses like diabetes, kidney disease or cancer. Managing these conditions can be expensive, and insurance can help offset ongoing treatment costs.
Emergency care
Accidents and emergencies can happen at any age. Pet insurance can cover unexpected incidents, such as falls or ingesting harmful objects, which pose risks to pets regardless of age.
Specialized medical treatments
Senior pets may need specialized treatments such as physical therapy, surgery or advanced diagnostics like MRIs and CT scans. By covering a portion of the costs, pet insurance can help make these treatments more financially feasible.
Peace of mind
Knowing that pet insurance can help cover potential medical expenses allows pet owners to decide based on their pets’ best interests rather than financial constraints. This peace of mind is invaluable, especially for those with older pets who may require frequent veterinary visits.
End-of-life care
Some pet insurance policies cover end-of-life care, including euthanasia and cremation, offering emotional and financial support during a difficult time.
Regular vet check-ups
Routine vet check-ups are crucial for older pets, as they are more susceptible to chronic diseases such as hypothyroidism, cancer and diabetes. Insurance plans that cover annual or semi-annual check-ups can help ensure you catch these issues early, increasing the chances of successful treatment.
Companies that offer insurance for older pets
When shopping around for pet insurance for older pets, it’s important to look at companies that offer comprehensive coverage for senior animals without stringent age limits or excessive exclusions.
ASPCA Pet Health Insurance
ASPCA Pet Health Insurance doesn’t have an upper age limit and offers its Complete CoverageSM plan to animals of all ages. This plan covers illnesses, accidents, dental diseases, hereditary conditions and behavioral issues. The company also offers accident-only coverage for injuries and optional Preventive Care coverage to help manage routine care costs.
Embrace Pet Insurance
Embrace offers accident-only coverage for pets over 15 and comprehensive plans for those under 14. Its plans cover chronic conditions, mobility issues, dental trauma, surgery and alternative therapies. They may also cover curable pre-existing conditions if symptom-free for 12 months.
MetLife Pet Insurance
MetLife Pet Insurance has no age limit for enrolling new pets, making it a solid option for senior pets. Its policies cover accidents, illnesses, chronic conditions and hereditary issues. Pet parents can also customize their plans to suit different needs (though premiums generally increase with age). Wellness coverage for routine care is available as an add-on to help manage ongoing vet visits.
Pets Best Pet Insurance
Pets Best offers customizable coverage options for senior pets, ensuring they receive the care they need. Policies cover accidents, illnesses and more with no upper age limit. Pets Best also provides a 24/7 Pet Helpline for expert veterinary advice, making it easier for senior pet owners to manage their pets’ health as they age.
Spot Pet Insurance
Spot provides comprehensive coverage for senior pets, with no upper age limits for enrollment. Policies cover accidents, illnesses, hereditary conditions, behavioral issues and more. Spot also offers optional wellness coverage, which includes routine care like dental cleanings and vaccinations, helping pet owners stay on top of preventive care for their older companions.
Tips for reducing pet insurance costs for senior pets
Pet insurance premiums for older pets are typically more expensive than those for their younger counterparts. To help save some money, consider these tips:
- Adjust coverage levels: Consider adjusting the coverage levels, such as increasing the deductible or lowering the reimbursement percentage, to reduce premium costs.
- Compare insurance quotes: Comparing quotes from multiple insurers can help you find the best coverage at the most affordable price. Each provider has different pricing structures and underwriting guidelines, so shopping around is essential.
- Explore accident-only policies: An accident-only policy can be a more affordable option. These plans provide coverage for unexpected injuries while excluding illnesses and routine care.
- Look for discounts: Many insurers offer discounts for various reasons, such as enrolling multiple pets, paying annually or having membership in certain organizations. Always inquire about available discounts.
Alternative ways to cover veterinary expenses for older pets
If you don’t have pet insurance and need to manage veterinary costs for your older pet, consider these options:
- CareCredit: A health care credit card accepted by many veterinarians for financing treatments, including surgeries and emergencies. Review the terms and interest rates carefully.
- Charitable organizations and nonprofits: Groups like The Pet Fund, RedRover and the Humane Society may offer financial assistance or grants for unexpected veterinary expenses.
- Low-cost veterinary clinics: Many communities have clinics that provide reduced-rate services, including vaccinations, spaying/neutering and dental care.
- Payment plans: Some veterinary clinics offer payment plans, allowing you to spread costs over time. Check with your vet about availability.
- Personal loans or credit cards: As a last resort, consider using these options for large expenses, but be cautious of interest rates and repayment terms.
- Pet prescription discount programs: Certain pharmacies offer discounts on pet medications, which can help with the cost of prescriptions for chronic conditions.
- Pet savings account: Create a dedicated savings account for pet expenses to budget for routine care and emergencies.
- Veterinary school clinics: Teaching hospitals at veterinary schools often provide services at reduced rates, under the supervision of experienced veterinarians.
The bottom line
Pet insurance for older pets can ease the financial burden of medical expenses. It covers a range of treatments and gives pet owners much-needed peace of mind. While premiums are higher and there may be some exclusions, the reassurance it provides often makes it a worthwhile investment.
If insurance isn’t an option for your older animals, don’t worry. Exploring alternative payment methods and staying proactive with regular vet check-ups can help you manage the costs of caring for your aging pet.
Frequently asked questions
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Pet insurance premiums typically increase as pets age due to the higher risk of health issues. Review your policy terms to understand how premiums may change over time.
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Most insurers require medical records to assess the pet’s health history and determine coverage eligibility. These records help identify pre-existing conditions that may not be covered.
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Some pet insurance policies include coverage for end-of-life expenses, such as euthanasia and cremation. However, coverage details vary by provider, so review the policy carefully.
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