Pet Insurance for Older Pets



Over the course of their lives, dogs and cats provide their owners with a wealth of love, loyalty, and high-energy moments that are unforgettable. As your pet ages, you will want to ensure that it’s comfortable and in good health. Unfortunately, advancing age brings with it the risk of health problems that may threaten the quality of your pet’s life. The advanced state of veterinary care, however, is helping more pets live longer and have healthier lives. The ability to provide proper medical care allows you to detect problems earlier and provide the necessary care for your senior pet. Insurance is crucial, as it reimburses a percentage of the cost of your pet’s care so that it is more affordable. As a result, money is less likely to be a factor when it comes to treating your older pet.


Why Do Older Pets Need Insurance?

As your pet ages, its body is undergoing changes that cause it to function less efficiently than when it was younger. Older pets are more prone to weakness and weight gain, a risk that is greater in more sedentary dogs and in cats. Changes in their immune system can make it more difficult for them to combat diseases. If your pet was not spayed or neutered, it is at a higher risk for diseases such as testicular or mammary cancers. Other concerns such as glaucoma and cataracts that affect sight, hearing loss, arthritis, and hip dysplasia are common and may also affect your senior pet. Insurance for your pet can also be helpful for the treatment of diabetes and heart and joint diseases.


Age Restrictions and Pre-Existing Conditions

It’s important to be aware of age restrictions if your pet isn’t already enrolled in an insurance plan. Some pet insurance providers place a maximum age limit on enrollment, which is generally around 10 to 12 years old. Because large dogs are considered old or geriatric by the age of six and smaller dogs and cats by the time they are 7 years old, you may feel that there is plenty of time to buy pet insurance for older pets before you are hindered by these restrictions. Unfortunately, if you wait too long, there is another obstacle that you may encounter: If your pet develops an illness before you are able to purchase insurance, that condition is considered to be a pre-existing one. None of the insurance companies offer policies that cover the treatment or care of pre-existing conditions.


Cost of Insurance for Older Animals

Age affects more than your ability to purchase pet insurance for older pets. It also increases your premium for a policy that you might purchase or one you already have. This increase occurs because older pets are at a greater risk for illness, injury, or disease and are more likely to need veterinary care. You can also expect annual price increases once you buy coverage, as your pet’s insurance cost will go up due to the potentially increasing need for health care.

As your pet ages, the need for health care may become more important than ever. Ensure that your older pet gets the type of coverage that can make it easier to manage expensive veterinary bills. Compare plans and prices at and then complete our simple online form for free quotes. Once you’ve read reviews and browsed the insurer information, make your selection and sign up for senior pet health insurance today.



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