Do you have an old dog and want to know if having pet insurance is worth it?
The simple answer is: yes, taking out an old dog insurance is always a good idea. You will have peace of mind, as the main expenses will be taken care of.
In this guide, we’ll detail all the different types of old dog insurance, the average cost of taking out an old dog insurance and and we’ll also give you an indicative quote to find the best pet insurance for your old dog.
Table of Contents
What type of old dog insurance is best for you?
When researching the best insurance policy, there are different policy types to consider. From the least comprehensive to the most, these are:
|Level of coverage||Details|
|Maximal benefit cover|
How much is old dog insurance?
It depends on which coverage you choose. You can pay more or less depending on the coverage you choose. Other factors must be considered:
- Your old dog’s age, The older your old dog is, the more expensive it will be to insure your old dog.
- Where you live in the UK. Vet fees are not the same all over the UK.
- Whether your older dog is a pedigree or not. Often, you will be asked when taking out an oler dog insurance if your dog is a pedigree. A pedigree can be more expensive to insure as as they are prone to having poorer health.
- Your older dog’s breed. Some breeds are more more likely to have an illness than others. The less expensive breed is golden Retriever whereas one of the most expensive breed is bulldogs.
The average cost of old dog insurance in UK is about £30 and £40 per month..
What does old dog insurance cover?
Not all insurers offer the same features, so check before insuring your old dog. Here is a little table that shows what is usually covered by an old dog insurance:
|Included or not||Details|
|Vet fees||You can ask money back for vet fees if your old dog received medical treatment|
|Advertising and rewards||You can claim the money back for the cost of your reward and your advertising spend|
|Death by illness or accident||You can claim if your old dog died because of an accident or because of an illness|
|Boarding fees||Covers the cost of boarding your old dog if you have an emergency|
|Overseas travel cover||Your old dog is covered in another country|
|Third party liability cover||Covers legal liability if your old dog causes damage or injury. |
For cats, there is no such thing. The owner is not held responsible for damages caused, as cats are considered “free spirits” in the UK.
What is the best pet insurance for old dog?
As seen above, there are four levels of coverage to insure your old dog. Your premium will depend on the level of coverage you choose and on how much you wish to be covered. In the two tables below, we will indicate quotes for accident only and lifetime, so that you can have an idea of the prices.
Which is the best lifetime insurance policy for older dogs?
|Insurers||Vet fees||Excess||Extra||Monthly premium|
|Pet protect||£95 (15% more on each claim)||£14.39|
What are the best accident only pet insurance for senior dog?
You will find indicative quote to insure your old for accident only. Your cat will be insure only for accidents, and sometimes for illness, depending on the provider:
|Insurers||Vet fees||Excess||Extra||Monthly Premium|
|Insure your paws||£99|
£300 death by accident
|Healthy pet||£99||Third Party Liability||£5.44|
Third Party Liability
What is not included in your old dog insurance?
Often, these kind of features are not included in your old dog insurance:
|Treatment for preexisting conditions||Most insurers won’t cover your old dog’s existing conditions.|
|Routine medical treatment||Your old dog insurance won’t cover your routine medical treatment such as vaccinations, for example.|
|Behaviour treatment||This kind of feature is often not provided for old dog insurance.|
|International cost||Some insurers won’t offer to cover your old dog abroad.|
|Dental treatment||Often excluded from old dog insurance.|
|old dog age||Sometimes your old dog will not be covered if your pet is considered too old.|
Can you get a discount when taking out insurance for your older dog?
Lot of providers propose a discount when insuring your old dog online:
If you take out your pet insurance for your old dog insurance at Direct Line, you can get 12 months cover instead of 9 month cover