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Compare pet insurance for older dogs

Compare pet insurance for older dogs

Your beloved older dog is part of the family. But finding the right insurance when your pet is getting on a bit can be a challenge. We look at the options.

James Martin
Content writer
2
minute read
posted 30 SEPTEMBER 2019

When is my dog considered ‘older’?

The average lifespan of a purebred dog is 11.9 years, while for their crossbreed pals it’s around 13.1 years. But you’ll probably notice that your dog starts slowing down at around the age of seven, with middle age coming sooner for some larger breeds. Your pet’s behaviour and health may change as they grow older, and so will your dog insurance premiums, which may become more complicated and more expensive. 

People want pet insurance for older animals – for the year 1 March 2019 to 1 June 2019, there were 19,068 enquiries for older dogs at Compare the Market** – and it’s possible to get it. But there are also likely to be more conditions and restrictions attached to the policy.  
**Based on Compare the Market data from 1 March 2019 to 1 June 2019.

Is there an age limit for pet insurance?

There isn’t an age limit for pet insurance, provided your pet is insured and you pay your premium. But, typically you need to start insurance for your dog or cat between a minimum age, which is usually 8 weeks old, and a maximum age. However, some insurance providers will let you start a new policy for your pet at any age.

Why is pet insurance for older dogs more expensive?

Like humans, as they get older the risk of dogs having health or dental issues increases and the more likely they are to need medical care. Common conditions in older dogs include:

  • arthritis 
  • gum disease 
  • diabetes 
  • blindness 
  • kidney disease 
  • cancer 
  • dementia

All this means more insurance claims, which means higher premiums for owners of older dogs.

The average annual premium for an older dog was £170.34***

While we can’t stop premiums from going up, we can help you find the right quotes for your dog easily and quickly when you use our comparison service.

***Average price (across all levels of cover), based on Compare the Market data from 1 March 2019 to 1 June 2019. You may find a cheaper or more expensive quote based on your personal circumstances.

What types of pet insurance is available for older dogs?

Lifetime pet insurance, tends to be the most expensive option, but it can be the best choice for older dogs. It will cover your dog for life as long as you renew the policy every year.  

Maximum benefit pet insurance, which insures your dog for a set amount per condition, may also be an option.

Find out more about the different types of dog insurance.

What else should you look out for?

Think before you let a policy lapse. It’s harder to get insurance for your older dogs, so it may be in your interest to keep an existing policy in place rather than trying to find a new one. If you are buying a new policy, look out for:

  • pre-existing conditions – some insurance providers won’t insure an older dog who already has health conditions. Those that will insure your dog will almost certainly exclude any claims relating to those conditions.
  • excess – this is the amount you’d have to pay before being able to claim on your insurance cover.
  • what’s covered – in addition to vet bills, some policies will also:
    • Pay out in the event of the dog’s death
    • Cover bereavement counselling should it be needed

Compare your dog insurance options

It’s easy to compare dog cover from a range of the UK’s most popular insurance providers. Simply enter a few details and we’ll show you what cover is available to you, what it’ll cost and the policy details.

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