Do you have an older dog and want to know if having pet insurance for older dogs is worth it?
The simple answer is: yes, taking out pet insurance for older dogs 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 older dogs insurance, the average cost of taking out an older dog insurance and and we’ll also give you an indicative quote to find the best pet insurance for your older dogs.
Table of Contents
What type of pet insurance for older dogs is best for you?
When researching the best insurance policy for your older dogs, there are different policy types to consider. From the least comprehensive to the most, these are:
|Level of coverage||Details|
|Maximal benefit cover|
|Insurers||Vet fees||Note||Get a quote|
Vet fees limit From £4,000 to £12,000
From £1,000 to £6000 annual condition limit
|Excess: £100 if under 8 years old|
Vet fees limit from £3,000 to £12,000
| Excess: £95 |
(15% more on each claim)
Vet fees limit from £3,000 to £6,000
|Vet fees limit from £4,000 to £12,000|
|Vet fees limit from £6,500 to £12,500|
How much is pet insurance for older dogs?
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 older dog’s age, The older your older dogs is, the more expensive it will be to insure your older dogs.
- 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 pet insurance for your older dogs in UK is about £30 and £40 per month..
What does pet insurance for older dogs cover?
Not all insurers offer the same features, so check before insuring your older dogs. Here is a little table that shows what is usually covered by an older dog insurance:
|||Included or not||Details|
|Vet fees||You can ask money back for vet fees if your older dogs 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 older dogs died because of an accident or because of an illness|
|Boarding fees||Covers the cost of boarding your older dogs if you have an emergency|
|Overseas travel cover||Your older dogs is covered in another country|
|Third party liability cover||Covers legal liability if your older dogs 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 not included in your pet insurance for older dogs?
Often, these kind of features are not included in your pet insurance for older dogs:
|Treatment for preexisting conditions||Most insurers won’t cover your older dogs’s existing conditions.|
|Routine medical treatment||Your older dogs insurance won’t cover your routine medical treatment such as vaccinations, for example.|
|Behaviour treatment||This kind of feature is often not provided for older dogs insurance.|
|International cost||Some insurers won’t offer to cover your older dogs abroad.|
|Dental treatment||Often excluded from older dogs insurance.|
|older dogsage||Sometimes your older dogs 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:
|10% discount via Aviva* if your buy online your pet insurance for your old dog10% multi pet discount|
|10% discount if your buy online your pet insurance for your old dog|
|25% discount if your buy online your pet insurance for your old dog|
|12 month cover for the price of 9 month|
|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|