- 10% multi-pet discount and a 5% military discount
- Healthy Pet Discount program can save you up to 10%
- Unlimited annual coverage is available
- Access to a 24/7 pet helpline
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Pet insurance might seem like just one more monthly expense, but it can save you a lot of money if your pet is injured or taken ill. That is true whether you have a puppy, kitten, senior dog, or senior cat. Pet insurance for senior dogs can offer coverage for some of the most common ailments, including arthritis, cancer, vision impairment, and kidney disease.
Learn more about pet insurance for senior dogs so you can choose the best coverage for your four-legged friend.
Best for | Sample monthly rate* | Deductibles | Annual coverage limits | Reimbursement rates | |
---|---|---|---|---|---|
Discounts | $98.05 | $100, $250, $500, $750, or $1,000 | $5,000, $8,000, $10,000, $15,000, or unlimited | 70%, 80%, or 90% | |
Affordability | $53.40 | $100, $250, or $500 | $2,500, $5,000, $7,000, or $10,000 | 70%, 80%, or 90% | |
Coverage limit choices | $60.30 | $100, $250, $500, $750, or $1,000 | $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited | 70%, 80%, or 90% | |
MetLife | Owners of multiple pets | $92.15 | $50, $100, $250, or $500 | $2,000, $5,000, or $10,000 | 70%, 80%, or 90% |
Deductible choices | $57.87 | $50, $100, $200, $250, $500, or $1,000 | $5,000 or unlimited | 70%, 80%, or 90% | |
Alternative treatment | $109.13 | $300, $500, or $700 | $5,000, $10,000, or $15,000 | 70%, 80%, or 90% |
* Quotes are for a 10-year-old male, medium mixed-breed dog
Embrace is notable for the discounts it offers. If you insure more than one pet, you can get a 10% multi-pet discount. There is also a 5% discount if you or someone in your household is an active or former member of the U.S. Air Force, Army, Marines, Navy, or Coast Guard.
Moreover, the Healthy Pet Discount program offers monthly savings of 5% in the first year and 10% in the second year if your pet has claims reimbursements of $300 or less per year. This range of discounts can help decrease the cost of coverage from Embrace.
Embrace has several deductible options, ranging from $100 to $1,000, and offers various annual coverage limits, including unlimited annual coverage. Reimbursement rates can be 70%, 80%, or 90%. Embrace also offers coverage for exam fees and prescription drugs at an additional cost.
Why we picked it: With several available discounts, coverage for older dogs from Embrace doesnโt have to break the bank.
The ASPCA stands out for its relatively low premiums. When we requested a quote for a 10-year-old mixed-breed male dog, the ASPCA quoted us $53.40 for a plan with a $5,000 annual coverage limit, an 80% reimbursement rate, and a $500 annual deductible. Other companies quoted $58 to $109 per month.
This low price makes ASPCA a good choice for pet owners on a limited budget. The insurer also covers hereditary and congenital issues and behavioral issues, which may make it a better fit if youโre concerned about any of these issues with your dog.
When you take out a pet insurance plan from ASPCA, you can choose from three deductibles ($100, $250, and $500), annual coverage limits ranging from $2,500 to $10,000, and reimbursement rates of 70%, 80%, or 90%. ASPCA has a 14-day waiting period for accident and illness coverage. Having to wait is common, although some insurers are quicker or, in some cases, wonโt make you wait at all for coverage to take effect. Another potential downside is that youโll need to pay a monthly transaction fee of $2 if you donโt opt for annual billing.
Why we picked it: ASPCAs low rate quote makes it a solid choice for pet owners with limited budgets or fixed incomes.
Pet insurance from Spot is easy to customize thanks to seven available annual maximum coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, and unlimited. This wide range of options gives you more freedom to choose the best coverage for your petโs needs and budget.
Choose a plan with a $2,500 annual limit, a 70% reimbursement rate, and a $1,000 annual deductible and you can pay as little as $26.60 a month for coverage. Other perks of choosing Spot include exam fees for insured conditions, 24/7 access to a pet helpline, and a 10% discount if you insure more than one pet.
Spot has several deductible options, ranging from $100 to $1,000, and, like others on this list, its reimbursement rates are 70%, 80%, or 90%. There are also some downsides, though. Spot doesnโt offer coverage for general maintenance prescription diets. And it will charge you a $2 monthly transaction fee if you donโt opt to pay premiums annually.
Why we picked it: Spot has seven options for annual maximum coverage limits, so itโs easy to customize your dogโs insurance coverage to your budget.
MetLife has a plan for you whether you have one older dog or three. While other insurance companies may require you to take out three individual pet insurance policies for three pets, MetLife lets you cover up to three pets under one policy.
Whatโs even better is that the policy has a shared deductible. That means once you reach the planโs deductible, MetLife will cover all claims at your chosen reimbursement rate. If one of your pets is taken ill and you hit your deductible quickly, you wonโt have to worry about paying hefty vet bills if a different pet is involved in an accident.
MetLife's deductible options range from $50 to $500 and its annual coverage limits options are $2,000, $5,000, or $10,000. Reimbursement rates are either 70%, 80%, or 90%.
Why we picked it: A single plan with a shared deductible can cover up to three pets.
Regarding deductibles, Pets Best has six choices: $50, $100, $200, $250, $500, and $1,000. This gives you more options when customizing coverage to fit your needs and budget. With a $1,000 deductible, coverage could be as low as $32.32 per month.
Pets Best covers prosthetics and wheelchairs when prescribed by a vet for accident or illness recovery. Most of its accident and illness policies also cover exam fees, physical therapy, acupuncture, and chiropractic care, although it is sometimes possible to remove this level of coverage in exchange for a lower premium.
Pets Best only has two options for maximum annual coverage limits ($5,000 or unlimited), which could be limiting if you want something in between. Like others on this list, reimbursement rate options are 70%, 80%, or 90% and there is a $2 fee on each transaction if you choose to pay monthly.
Why we picked it: Pets Best lets you choose between six deductible options, so you can find one you can afford while staying within a preset budget.
Fetchโs standard plan covers alternative treatments such as acupuncture, chiropractic care, and hydrotherapy. This type of treatment is often only included for an additional cost, so having the coverage as standard makes Fetch stand out.
Sick visit exam fees are also covered, which isnโt always true with pet insurance providers. However, coverage from Fetch was the most expensive of the quotes we requested, with a monthly plan costing $109.13.
If you opt for a Fetch plan for your older dog, you can choose an annual maximum coverage limit of $5,000, $10,000, or $15,000, and a deductible of $300, $500, or $700. You can also choose between 70%, 80%, or 90% reimbursement rates.
Why we picked it: Fetch covers several alternative therapies that other insurers may only offer as an add-on, making it ideal for those who want the option of alternative treatment for their older dog.
We analyzed some of the top pet insurance providers to determine which of them offer the best insurance for older dogs. We reviewed their policy offerings to see which could be contenders. We requested quotes for a 10-year-old dog and eliminated providers that wouldnโt insure a dog of that age. We then compared the remaining companies to see which stood out from the competition and gave them awards based on their greatest strengths.
Thereโs a lot to consider when shopping for a pet insurance plan for senior dogs. Here is more information to help you decide which plan to choose for your dog.
Pet insurance for dogs is the same regardless of your petโs age. But as your pet grows older, youโll likely pay higher premiums for the same amount of coverage. You might even choose to add wellness coverage to help your older dog stay healthy.
When your pet is older, checking what a pet insurance plan covers becomes more important. If your dogโs breed is susceptible to a particular health condition, youโll want to ensure itโs covered before taking out a policy.
The cost of pet insurance for senior dogs will vary based on several factors. Your physical location will affect how much you pay since veterinary costs are higher in some geographic areas than others.
Your petโs age will also affect how much you payโthe older your dog gets, the more youโll likely pay for coverage. Your dogโs breed can also be a factor since certain dog breeds are more susceptible to health issues than others.
The best way to determine the cost of pet insurance for a senior dog is to request quotes from several insurance providers and compare them.
For our research, we requested quotes from each provider for a dog with the following attributes:
We received quotes from $53.40 on the low end to $109.13 on the high end.
Older dogs are more prone to health issues, and some conditions are more common than others. Here is a list of some of the most common health issues in senior dogs:
There are three main types of pet insurance coverage available for older dogs.
This type of policy covers vet bills related to accidents, such as a broken bone, swallowed foreign object, laceration, or animal bite. This is the cheapest type of coverage.
This type of policy covers the types of accidents mentioned above as well as illnesses. The types of illnesses covered vary by plan but usually include cancer, digestive illnesses, infectious diseases, skin infections, eye or ear infections, and dental illnesses. Accident and illness coverage costs more than an accident-only policy because it covers more issues.
A pet wellness plan covers preventative vet care and routine screenings, including annual checkups, vaccinations, dental cleaning, spaying or neutering, and heartworm and fecal tests. Wellness coverage is usually offered as an add-on to a pet insurance policy for an additional cost.
As dogs age, they are more likely to develop health issues that can lead to high vet bills. Pet insurance helps decrease out-of-pocket costs for your senior dogโs vet care. Looking for a provider without an upper age limit is essential, as many insurers will not cover dogs above a certain age.
To get coverage for your senior dog, the first step is to obtain pet insurance quotes from several providers to compare side by side. In addition to cost, look at coverage amount, deductible options, and reimbursement rates to ensure youโre making an apples-to-apples comparison.
Once youโve chosen the best plan for you and your dog, you can likely sign up online from the quote form. The insurer may have a waiting period before coverage kicks in, so check and see when the plan will become effective. From there, you must renew your policy yearly to ensure your dog is fully covered.
When looking for pet insurance for an older dog, consider the following factors:
You can save money on pet insurance for senior dogs in several ways. The following are just a few potential options:
Insuring an older dog helps protect you from excessively high out-of-pocket costs if your dog is involved in an accident or becomes ill. The older your dog gets, the more likely it will run into health issues. And those issues can cost you a fortune in vet billsโunless you have pet insurance.
Pet insurance companies generally donโt offer coverage for pre-existing conditions. Most will ask about your petโs health when generating a quote, and some may require your dog to undertake regular wellness checkups to ensure it doesnโt have any pre-existing conditions. If youโre concerned about this, itโs best to be upfront when taking out a policy. Should you fail to declare a condition that ends up requiring treatment, the insurer probably wonโt cover its cost.
The best age to get pet insurance is the age of your pet, whether it's a three-month-old puppy or a 12-year-old senior. The sooner you apply for pet insurance for a senior dog, the less likely youโll be hit with a hefty vet bill you have to pay all by yourself.
Pet insurance is often worth it for older dogs. If your dog is involved in an accident or becomes ill, the vet bills can quickly spiral out of control. If you have a pet insurance policy, your provider will pay a percentage of the vet bill once you meet your deductible, which means your out-of-pocket costs are much lower. Although pet insurance adds an extra monthly expense to your budget, it can save you money in the long run if you need to make a claim.
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