Tips on how to find senior dog veterinary insurance

How to Find Veterinary Insurance for Older Dogs

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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.


  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.


  • 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

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