What is pet liability insurance, and do you need it? The answer depends on what…
Pet insurance for older dogs is not always easy to find. Many pet insurance providers seem to assume that everybody wants to start insuring a dog right from a puppy.
But in fact, a lot of people need pet insurance for older dogs. Maybe you have had the dog for a long time and you are just starting to think about insurance, or maybe you have just welcomed a senior dog into your home. He may be a rescue dog or a pet who has been passed along to you by family members or friends who can no longer look after him. He needs insurance just like a younger one does – maybe even more.
So where should you look for pet insurance for older dogs? Just as for so many questions these days, you can find the answer on the internet! But to save you time searching through the plans available from every pet insurance company in the country, we have listed below a couple of the providers who offer plans for older dogs.
What age of dog are we talking about here? Most standard insurance plans have limits on the age of dogs that they will insure. They will not take puppies under 8 weeks old and in many cases, they will not consider a dog over the age of 8 years. However, there are some exceptions to this.
Of course, when you are looking for pet insurance for older dogs you probably already know that you are not going to be able to enroll your pet in the cheapest plans. Most companies have several different levels of cover with different monthly payments. If the company offers a plan for senior dogs it will be one of the more expensive plans.
Another point that you should keep in mind is that many plans will not cover the medical costs for treating ‘geriatric illnesses’. These are illnesses caused by old age. This is true even if the plan is designed for older dogs. An example might be osteoarthritis, which in most cases is associated with ageing. However, you will need to check each individual plan to see exactly what is covered and what is not.
Like most insurance policies, pet insurance does not usually cover pre-existing conditions unless they were completely cured the first time around. Before your dog is accepted you may have to have a veterinarian check him over for existing problems. So do not wait until your dog is already sick to take out that insurance!
Here are some of the companies who will consider insuring your dog even if he is over 8 years old:
– Pets Best offer two plans that have no upper age limit.
– PetCare has a ‘senior plan’ for older pets.
– Veterinary Pet Insurance (VPI) standard plans offer cover for dogs up to 10 years old, instead of the usual 8. They also have a ‘senior pets plan’ that covers treatment for dogs over 10 for accidental injuries only – not illnesses.
Please note that this is not an exclusive list. Many other companies may offer plans for older dogs. Also, the information given may not be accurate. Companies can change their policies at any time. These are just a few examples to give you an idea of what may be available.
If you have a good history with a particular insurance company (for example, if you already have insurance for other pets, without a lot of claims) they might consider adding your older dog to your policy even if this is not something that they offer on a standard pet insurance plan. It would be worth giving them a call to ask if they would consider offering pet insurance for older dogs in your individual case.