Getting pet insurance for your four-legged family member might seem like an unnecessary expense.
Still, when it comes to older dogs – the loving companions that have been part of your life since they were a pup – having the right coverage can make all the difference.
Pets are like family members; as your pup ages, you want to ensure they’re taken care of in case an unexpected medical issue pops up.
Weighing up premiums, copayments, and other details with so many companies offering packages can be overwhelming – but you want to ensure you’re getting the best policy money can buy.
With so many companies offering plans with varying levels of coverage, it can be hard to decide which is suitable for your aging canine.
Don’t worry – I’ve got all the information to help you find the perfect plan and give your pup the protection they deserve!
Read on to learn more about insuring your beloved senior dog.
What Is An Older Dogs Insurance?
When thinking about our pet’s insurance, it’s easy to often forget about the needs of older dogs.
Older dog insurance covers the considerable medical costs that come with the age of a pooch and can save owners thousands in some instances.
An older dog’s insurance policy could include treatments such as hip surgery, cancer therapies, and medications, so you have peace of mind that any required healthcare is covered.
It also covers travel expenses and alternative therapy, including physiotherapy sessions and hydrotherapy pool visits.
Insurance options may vary depending on the type of coverage desired.
Still, no matter what type you go with, one thing is sure: your four-legged friend will remain in tip-top shape due to the care received through an insurance policy specifically tailored for them!
The Best Pet Insurance for Older Dogs
Do you have an older dog who requires extra love and attention?
Are you worried about the healthcare costs that come with advancing age?
Have you been looking for pet insurance that will cover your pup, regardless of their age?
Join me as I explore the top five pet insurances for older dogs.
From basic coverage plans to more robust policies offering significant savings on vet bills and medical expenses, I’ll help you find the perfect fit for your beloved companion.
Whether they’re a senior pup or just inching towards retirement age, there’s an insurance plan tailored to their needs – so let’s get started!
1. Prudent
Prudent Pet Insurance is an ideal pet insurance provider for older dogs, rated #1 on Trustpilot and boasting 75% of claims processed within 24 hours.
With Accident & Illness plans or Accident Only plans available, customers can choose the most sensible cover price to fit their budget best.
Not only that, but customers also have the benefit of optional vet exam and wellness coverage add-ons to secure pet health further, as well as access to real-time 24/7 vet chat for those unexpected health worries, no appointment needed.
I appreciate that Prudent Pet doesn’t cap its eligibility criteria by age —- unlike other pet insurances.
Ultimate members enjoy an unlimited annual payout cap to sweeten the deal further.
Older dogs and certain non-pure breeds are more prone to medical issues, so this limitless coverage gives peace of mind to us and our beloved pets!
Not only do they provide three tiers of coverage so you can choose the best plan for your pup, but they also understand that sometimes, our lives can throw us curveballs.
If you ever have a situation where you need to cancel a trip to care for your sick dog at home, Prudent Pet will reimburse your vacation cancellation if you select their Ultimate plan package.
With an unbeatable 30-day money-back guarantee, Prudent Pet Insurance is the perfect provider for keeping your furry friend safe and healthy.
Pros
- Offers unlimited annual payouts
- Comes with a 30-day money-back guarantee
- 24/7 customer support and no minimum age cap
Cons
- Monthly premiums might be a bit expensive
2. Lemonade
As pet owners, we all want what is best for our fur babies, especially when they are older.
Understanding their healthcare needs can be incredibly important if you hope to give them a long and happy life.
Lemonade Pet Insurance provides the ultimate protection for older furry family members with extensive coverage and preventative care options.
They offer coverage designed specifically for senior pets, covering essential procedures such as spaying/neutering, microchipping, flea medication, vaccines or boosters, and various diagnostic tests such as x-rays, MRIs, and blood tests.
In addition to diagnostic care and medication coverage, Lemonade provides annual physical checkups and bloodwork tests to detect diseases in your senior pet before they develop symptoms.
With Lemonade pet insurance, you can provide your aging pet with the best healthcare plan available.
Pros
- Covers dental x-rays and anesthesia
- Coverage for multiple common vaccines
- Has an expert medical chat desk
Cons
- 6-month waiting period for ligament events
3. Figo
Fido loves to explore, but his senior years don’t slow him down much.
Figo pet insurance offers comprehensive coverage for those curable pre-existing conditions that may arise with age.
Plus, the lightning-fast claim service gives you your money back quickly so you can get him the care he needs right away.
And with their Live Vet feature, you can access licensed veterinary professionals in any emergency circumstance 24/7 to give your pooch the love and care they deserve.
Figo’s personalized pet tag synced to the Pet Cloud will ensure Fido is reunited with you should he ever wander away unexpectedly.
Make sure your canine companions are well cared for in their golden years with Figo pet insurance today!
Pros
- Free of per-incident caps
- Pet theft covered under the extra care pack
- Offers preventative coverage, including yearly exams
Cons
- Does not offers an accident-only plan
4. Wagmo
As a pet parent, you know best how to look after your loyal companion, but if any medical expenses arise, Wagmo Insurance is here to help!
Unlike other pet insurance companies, Wagmo offers Wellness, and Insurance plans that you can customize: you can select only the items you need for your older dog and add on more coverage at any time.
Not only does it provide coverage against emergencies, illnesses, and injuries, but also chronic conditions.
Plus, you can take your pup to any licensed vet or service provider in the U.S. via telemedicine, in-home visits, or in-office appointments.
And with quick reimbursements made through popular apps like Venmo, PayPal, or any other of your preferred methods, you can relax knowing that Wagmo takes care of all your pet’s health needs!
Pros
- Provides multi-pets and renewal discounts
- Covers grooming along with vaccines & checkups
- Provides up to $1100 worth of cashback every day
Cons
- Does not cover pre-existing conditions
5. Trupanion
Choosing the right pet insurance is essential, especially for our older canine friends. Trupanion offers a comprehensive solution that caters to the specific needs of older dogs.
Their single plan covers advanced clinical procedures like hospital stays and surgeries and everyday treatments such as diagnostic tests and medications.
Trupanion pays 90% of eligible medical costs without any reimbursement limits, so you’ll always have your pup’s back.
So, if you’re looking for guaranteed peace of mind for your aging pooch, Trupanion is a top pet insurance option worth considering.
Pros
- Covers diagnostic tests and breed-specific conditions
- No limits on the reimbursable amount
- 24/7 available customer support desk
Cons
- Does not covers routine vet visits
Tips On Finding The Top Insurance for Older Dogs
Searching for the perfect pet insurance can often be tricky, especially for older dogs. As you shop around for the ideal policy that meets all your pup’s needs, there are vital points to keep in mind.
- Firstly, assess your pup’s age and health; research which companies offer policy options tailored to senior pets.
- Secondly, determine coverage limits, considering deductibles and co-pays; consider pre-existing conditions if applicable.
- Thirdly, pay close attention to premium costs; review what direct payments cover and whether there are any additional charges.
- Finally, carefully read through exclusions; some policies may have certain breed limits or won’t cover routine exams, medication, and treatments.
These tips will ensure you find the perfect pet insurance for your mature furry friend!
Wrapping Up
With pet insurance, you can rest assured that your furry friend will be taken care of financially in an emergency.
Luckily, I’ve researched for you and compiled a list of the five best pet insurance policies for older dogs.
So whether you’re looking for comprehensive coverage or basic protection, there’s a policy out there that’s perfect for your needs.
Prudent Pet Insurance came out on top as our pick for the most top-quality option, but all of the companies on our list offer great value for your money.
So take a look and see which is suitable for you and your four-legged friend.
Frequently Asked Questions
Owning a pet can be an expensive investment, and there is no denying that having the right insurance plan for your older dog can provide peace of mind. Older dogs are more prone to medical issues, so it’s worth considering getting coverage for them.
It entirely depends on the type of insurance you are looking at. Generally speaking, most insurance providers have different thresholds when accepting dog policy applications, and they may not insure a dog past its senior years, typically between 8-10 years of age.
Middle-aged for a dog typically begins at about 6 years and continues until about 8 – 10 years old, depending on the breed. It is essential to keep an eye on any changes your pet may experience as they get older and provide them with regular check-ups at the vet so they can receive any necessary preventive care.