As our dogs age, it's important to ensure they have the best care possible. Just like humans, older dogs are more likely to have health issues, and vet bills can be expensive. That's where pet insurance for older dogs comes in.
If you're thinking about getting insurance for your older dog but don't know where to start, this article is for you. We'll look at the top 20 best pet insurance options for older dogs, the types of policies available, and what to consider when comparing quotes. By the end of this article, you'll have the information you need to choose the right insurance for your ageing canine friend.
What is Pet Insurance?
Pet insurance is one among the diverse insurance policies that cover a part of veterinary cost treatment for your pet. It operates on a reimbursement model, where you pay the vet bill upfront and then submit your claim to your insurance company for reimbursement of eligible expenses.
What are Older Dogs?
Dogs are considered seniors when they reach the age of 7 or 8, depending on their size and breed. As dogs age, they are more likely to develop health issues and may require more frequent veterinary care.
Top 20 Best Pet Insurance for Older Dogs
As our Dog friends age, it becomes increasingly important to ensure they have the best possible care. Here are the top 20 best pet insurance options for older dogs, along with their monthly costs and Better Business Bureau (BBB) ratings.
1. Petplan
Monthly Cost: $45
BBB Rating: A+
2. Healthy Paws
Monthly Cost: $35
BBB Rating: A+
3. Embrace
Monthly Cost: $38
BBB Rating: A+
4. Trupanion
Monthly Cost: $50
BBB Rating: A
5. Pets Best
Monthly Cost: $30
BBB Rating: A+
6. Nationwide
Monthly Cost: $35
BBB Rating: A+
7. ASPCA
Monthly Cost: $25
BBB Rating: A
8. Figo
Monthly Cost: $42
BBB Rating: A+
9. Hartville
Monthly Cost: $28
BBB Rating: A+
10. PetFirst
Monthly Cost: $30
BBB Rating: A+
11. 24PetWatch
Monthly Cost: $27
BBB Rating: A+
12. Pet Assure
Monthly Cost: $10
BBB Rating: A+
13. AKC Pet Insurance
Monthly Cost: $30
BBB Rating: A+
14. Pet Premium
Monthly Cost: $35
BBB Rating: A+
15. PetPartners
Monthly Cost: $28
BBB Rating: A+
16. MetLife Pet Insurance
Monthly Cost: $40
BBB Rating: A+
17. Petscholars
Monthly Cost: $32
BBB Rating: A
18. Prudent Pet
Monthly Cost: $40
BBB Rating: A
19. Pet's Best
Monthly Cost: $35
BBB Rating: A+
20. Lemonade Pet Insurance
Monthly Cost: $25
BBB Rating: A
Can You Get a Pet Insurance for Older Dogs?
Yes, there are pet insurance polices available for older dogs, although the availability of certain coverage options varies based on the dog's age and health status.
Types of Policies Are Available for Senior Dogs?
When it comes to insurance policies for senior dogs, there are a few options available:
1. Accident-Only Coverage: This covers injuries resulting from accidents, such as broken bones or bite wounds. It does not cover illnesses or pre-existing conditions.
2. Wellness Plans: Some insurance providers offer wellness plans which cover routine care, such as vaccinations, annual check-ups, and dental cleanings. These plans can be beneficial for senior dogs to maintain their overall health.
3. Accident and Illness Coverage: This is a type of insurance policy that covers both accidents and illnesses, including chronic conditions that may develop as dogs age. It may also cover diagnostic tests, medications, and surgeries.
4. End-of-Life Care: Some policies may offer coverage for hospice care and euthanasia, providing financial assistance during difficult times.
Is Senior Pet Insurance Different Than Pet Insurance for Puppies?
Yes, senior pet insurance is different from pet insurance for puppies. Just like with humans, as pets age, they are more prone to health issues, and these issues may require different coverage and care. Senior pet insurance covers conditions that are more common in older pets, while insurance for puppies focuses more on vaccinations and preventative care.
Signs that show a dog is ageing
1. Graying of the fur, especially around the muzzle and eyes
2. Reduced activity levels and energy
3. Difficulty getting up or lying down
4. Increased sleeping
5. Changes in weight, either gain or loss
6. Cloudy eyes or vision problems
7. Hearing loss
8. Bad breath or dental issues
9. Development of lumps or bumps
10. Changes in behavior or temperament
As Dogs Age, Do their Insurance Premiums increase?
Yes, pet insurance premiums generally increase as dogs age. This is because as dogs get older, they become prone to diverse health issues and require more frequent veterinary care. As a result, the insurance company considers them to be a higher risk, which leads to higher premiums.
What to compare from different pet insurance companies before buying a quote for Older Dogs
When comparing pet insurance companies for older dogs, it's important to consider the following factors before getting a quote:
1. Coverage Options: Look for a policy that offers comprehensive coverage for illnesses, accidents, chronic conditions, and wellness care. Ensure that the policy covers conditions common in older dogs.
2. Reimbursement Rates: Check the percentage of vet bills that will be reimbursed by the insurance company. Some companies offer 80-90% reimbursement, while others may offer less.
3. Deductible Amounts: Consider the deductible amount you will be responsible for before taking in insurance coverage. Higher deductibles may result in lower monthly premiums but require more out-of-pocket expenses.
4. Customer Reviews: Research customer reviews and ratings for each pet insurance company to gauge their reputation for customer service, claims processing, and overall satisfaction.
5. Exclusions and Limitations: Take time to review the policy's terms and conditions to understand any exclusions or limitations, especially related to pre-existing conditions and specific illnesses common in older dogs.
6. Waiting Periods: Understand the waiting periods for coverage to take effect for various conditions, as some policies may have waiting periods before certain conditions are covered.
How to reduce pet insurance for older Dogs
If you're looking to save money on pet insurance for senior dogs, there are a few strategies you can consider:
1. Research and Compare: Take the time to research and compare different pet insurance providers. Look into the coverage options, monthly costs, and customer reviews to find the best value for your money.
2. Consider Higher Deductibles: Opting for a higher deductible can lower your monthly premium. Keep in mind that you'll have to pay more out of pocket in the event of a claim, so make sure you can afford the deductible.
3. Bundle Policies: Some insurance companies offer discounts if you have multiple pets or if you add up your pet insurance with other insurance coverage, such as home or auto insurance.
4. Maintain a Healthy Lifestyle: Keeping your senior dog healthy through regular exercise, a balanced diet, and preventive care can help reduce the likelihood of health issues and potentially lower your insurance costs.
5. Look for Discounts: Some pet insurance providers offer discounts for various reasons, such as enrolling multiple pets, being a member of certain organizations, or signing up online.
6. Review Coverage Regularly: As your senior dog's needs change, it's important to review your insurance coverage regularly. You may find that certain coverage options are no longer necessary, or you may need to adjust your coverage to better suit your dog's current health status.
Final Thought on the Top 20 Best Pet Insurance for Older Dogs
As our Dog friends age, ensuring they have the best possible care becomes important. Finding the right pet insurance for older dogs gives you peace of mind and financial security. The list of the top 20 best pet insurance options for older dogs, along with their monthly costs and Better Business Bureau ratings, can be a helpful starting point for anyone looking to secure coverage for their ageing canine companion. Remember to carefully review the terms and conditions of each policy to understand what is covered and any limitations or exclusions, and it's recommended to consult with a veterinarian to determine the specific needs of a senior dog and find a policy that provides appropriate coverage.