A simples guide

Compare pet insurance for older dogs

With vet bills being so expensive these days, an illness or unfortunate accident involving your older pooch, could see you footing quite a bill.

That’s why a number of people now choose to insure their precious dogs against expensive treatments that could cost them a lot of money.

However, your dog is getting on a bit, or it might be suffering from some pre-existing medical conditions and you’re sat wondering if you can even get pet insurance.

Pet insurance for older dogs

Well the good news is, yes you probably can find an insurance policy for an older animal. The bad news however is that it’s likely to be more expensive as your dog gets older, and any pre-existing conditions won’t be covered. The probability of making a claim for vet’s bills increases exponentially each year in a dog’s life from the age of just two onwards. There are also likely to be more conditions and restrictions attached to the policy too.

Compare pet insurance for older dogs

Why is it more expensive?

Just as with their owners, as dogs get older the risk of them having health or dental issues is likely to increase. In addition, they’re likely to get a little clumsier.

Given this, they’re likely to need more medical care. And more medical care potentially means more insurance claims which means higher premiums for you.

Why is insurance for older dogs more expensive?

What else should I look out for?

Pre-existing conditions

Unfortunately, some insurers may decline to insure an animal which already has any pre-existing conditions. Those that will insure will usually exclude claims relating to those conditions.

Hereditary conditions

If you dog is a pedigree it may be susceptible to hereditary illnesses as a genetic feature of the breed.  If this is the case you’ll need to find a policy that accepts pets with these conditions.


Excess is the amount of money you would have to pay before being able to call upon your insurance cover.

So for example, imagine the situation where your dog is insured and becomes ill.

The vet’s bill is £2,000 and you have a policy excess of £400.

You will have to pay the first £400, with the insurer contributing the remaining £1,600.

Check what is covered

Different policies offer different levels of cover. In addition to vet bills, some policies also pay out in the event of your dog’s death. Some will also cover the cost of putting an old dog to sleep if the worst comes to the worst. Some will even cover bereavement counselling should it be needed.

Think before you let a policy lapse

It‘s harder to get insurance as your dog gets older. If you already have an insurance policy in place, think before you allow it to lapse. It may be in your interest to keep an existing policy in place rather than trying to find a new one.

If your old faithful friend is getting a little older and you’re thinking of getting some insurance why not compare prices from some of the UK’s most popular pet insurance providers today? It really couldn’t be easier. Simply enter the details about you and your dog and we’ll show you what cover is available to you and what it’ll cost. So get comparing and see how much you could save!

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