15 Common Illnesses in Older Dogs

 

I have written a list of 15 Common Illnesses in Older Dogs.  Here is a snippet:

Most aging canines will experience typical symptoms of old age just like people do.  They will most likely experience other illnesses as well, which unfortunately is common as we age.  Hopefully, with a good diet, exercise, and good genes, your dog will not experience a serious illness.  Routine veterinary care is more important for your senior dog now than ever before.  A lot of these illnesses, if caught early enough, can be treated to prevent them from getting much worse.  Treatments for all of these conditions are also covered by pet insurance if you have the policy in place before you dog is initially diagnosed with the condition or illness.  The following are the most common types of illnesses or conditions that older dogs experience:

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Tips on how to find senior dog veterinary insurance

How to Find Veterinary Insurance for Older Dogs

from wikiHow – The How to Manual That You Can Edit

Many pet insurance companies will not insure older dogs if the dog is considered to have “aged out” of the policy by the time your try to purchase a policy. The following information will help guide you in how to find the right coverage for your aging, older dog.

Steps

  1. First, determine the age of your pet by gathering information on it’s birth date. Any veterinary insurance company is going to ask you for this information first. They will not accept an answer of “somewhere around 8 or 9″ for example. If you don’t know the exact birth date, then come up with the closest date you can. It doesn’t have to be exact, but you’ll have to come up with an approximate date to determine how old your dog is.
  2. Do some research on the internet about”Health Insurance for Older Dogs.” This will give you a list of potential companies that you can get some instant quotes from. The first things they will ask you is your dog’s age, and dog’s breed.
  3. After you enter this information, the insurance quote form may offer you different options that are available as far as how much you want your deductible to be, and how much in yearly maximum benefits paid you prefer. In other words, some companies will allow you to customize your plan, and your monthly premium will go up or down based on the options you choose.
    • If your pet is considered to have “aged out” of the policy to be eligible for illness coverage, they may offer you an “Accident Only” type of policy. This means that no illnesses are covered, and only accidents and emergencies will be covered.
    • “Aged out” means that your dog is considered too old to be covered under their illness policy. Each company has a different age and different way of determining this age. For one company the age might be 6 years old. For another company the age might be 10 years old. “Aged out” only refers to if you try to purchase a new policy once your pet has reached that age. If your dog is insured before that age, then most companies will cover your pet for the rest of it’s life for illnesses as long as the policy was in effect before it reached that magic “age” of being considered a senior.
    • An accident only policy may be better than nothing, and is often quote affordable. However, if you can find that insurance company that will also cover illnesses too that is more beneficial to you.
  4. Get quotes from at least 3 different companies, and compare the benefits that each offers.
  5. The most important thing to remember when finding medical insurance for older dogs is that no pet insurance company will cover pre-existing conditions. Make sure that you read the fine print on each website that describes what and how they determine a condition to be pre-existing. It would be a waste of money if your dog has diabetes and you want a new insurance policy to cover the treatment, because they won’t. Some companies consider some pre-existing conditions as treatable. In other words, some pre-existing conditions will be covered if the dog has not had that condition in the past 9 months, for example. If the fine print is unclear, call the company and get answers from customer service.
  6. Read the fine print of what is required of you to keep the policy valid. For example, the insurance policy may require that your dog be seen for an annual health exam, or require that your dog is current on all vaccinations, or seen by a vet within the first 30 days that your policy is effective. If you don’t fulfill what the policy requires it could render your policy as invalid and benefits may not be paid.

Tips

  • Once you get a policy, don’t let it lapse! If you let your insurance lapse you will lose benefits and coverage.

Sources and Citations

Article provided by wikiHow, a wiki how-to manual. Please edit this article and find author credits at the original wikiHow article on How to Find Veterinary Insurance for Older Dogs. All content on wikiHow can be shared under a Creative Commons license.

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Quote form process for PetPlan (www.gopetplan.com) and discount code

 

Post from www.healthinsuranceforolderdogs.com

I filled out the online quote form for Pet Plan at www.gopetplan.com.  There is a line that says “Enter promotional code (if applicable)” at the bottom of the quote form.  At the time of this post, if you type in HOTPAWS then you get a $25 American Express gift card if you enroll in their program.  All online quotes also get a 5% web discount when you add it to your shopping cart.  They offer monthly payments, quarterly payments, or 1 annual payment.  I opted for the monthly payments, so I had to pay the first and last month’s payments (2 months), and then the remaining payments are deducted monthly from the payment form I specified (which was credit card). 

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