Is Pet Insurance Worth it for Older Dogs & Can You Get It?

As your dog ages, visits to the veterinarian are likely to become more frequent, as they are more likely to be involved in an accident or get sick. Like humans, dogs become more fragile and susceptible to disease as they age.

Why should you insure an older dog?

While pet insurance is not a vital part of life, it is essential if you have a dog, love it, and want to be protected from large veterinary bills You have a good policy.

In fact, a recent study by Saga found that its customers opt for pet insurance rather than car insurance.

Research has also shown that people over 50 are more likely to own dogs, but are actually less likely to have adequate insurance. Only 1 in 3 of her The correspondents are currently insuring your dog.

This is a really ruthless decision as vet bills are increasing year by year. For older dogs, visits to the vet are much more regular.

Vet costs are increasing year on year

Here are some statistics who have examined veterinary practices to determine how costs have increased
over the past 12 Month:

  • 76% of veterinary practices increased their rates
  • The cost of routine procedures rose by 3.3%.
  • Dental costs for older cats and dogs increased by 17.5%

The simplest and most common procedures your older dog may need can be hundreds of pounds.

What vet treatment could cost

If your older dog is not insured and needs veterinary treatment, you must pay for it out of pocket. The unthinkable alternative would be to bring his pet. But that will also involve costs.

Here are some typical veterinary costs that an older dog might incur (Source: MoreThan, 2015, the numbers claims):

  • Eye injury
  • Gastrointestinal
  • Head injuries
  • Hip dysplasia
  • Joint injuries
  • Skin conditions
  • Spinal injuries
  • Tumours
  • Urinary

And older dogs, like us, are prone to cancer. It’s not uncommon for cancer treatment to cost more than  10,000 than veterinarians need To administer chemotherapy, radiation therapy and, surgery.

According to current estimates, one in three dogs will develop cancer at some point in their lives, possibly in old age. In fact, some breeds are more susceptible to Develop cancer than others.

You can insure an older dog against cancer, but as long as it is an existing illness.

Can you get pet insurance for older dogs?

Yes, you can take out pet insurance for older dogs.

However, some pet insurance companies do not offer a policy for dogs over 7 years old.

The reason is; They know that an older dog costs them more in the form of veterinary bills for illness and accidents.

There are some pet insurance policies that are better than others for older dogs. You may have to pay more premiums, but for the money You are likely to have veterinary bills. This is a worthwhile guideline.

What is the best pet insurance for an older dog?

f you want to make a decision, we recommend that you consider a few things when taking out dog insurance.

Accident only cover

As expected, this only applies to your dog if he is involved in an accident. It is the cheapest dog insurance possible, but it does not cover you for diseases and, Conditions that are more common with your dog’s age.

Annual cover only

This provides coverage for illnesses and accidents but means that the insurance company only pays treatment for a maximum of 12 months.

At the end of the 12 months, every illness treated in the previous year is referred to as an “already existing” illness.

It’s really not worth it when your dog is older. Suppose you developed cancer in the first year of your contract when you move on to the second year

Renewal of the cancer is considered pre-existing, which means your dog’s cancer treatment is not covered.

Another aspect that dog owners sometimes do not understand when it comes to annual coverage is that sometimes you can have a maximum payment amount for the 12 months if you leave it at that with a potential deficit to pay on veterinary bills.

Individual condition cover

This type of insurance policy sets limits on the amount paid for each type of illness and condition.

Some policies also include conditions for additional fees for each condition. This means that you are also against the condition in the second year you may have to pay additional fees.

Cover for life

By far the most sensitive but most expensive dog insurance is lifelong coverage.

For older dogs, it provides continuous coverage throughout the life of your pet, with annual limits on entitlements that are reset with each renewal.

It is our recommendation as the most valuable pet insurance for older dogs, and you can see in our comparison tables which companies we currently recommend.