Is It Worth It To Buy Pet Insurance For Older Dogs?
Dogs, in most households, are considered as members of the family. They brighten our houses and our lives. As a result, ensuring their health can be a worthwhile investment.
But what if your dog’s muzzle may be greying and they have a medical emergency? Can pet insurance be worthwhile for older dogs? Continue reading to find out what your alternatives can be.
What constitutes an older dog?
You’ve probably heard that taking a dog’s age and multiplying it by seven gives you its “human” age.
However, it can be more complicated. The truth being that a dog’s age can be defined by its size, breed, and genetics. According to the Veterinary Clinic Association, smaller dogs age more slowly than larger canines.
Even if you and your neighbour, both, brought home your dogs at the same age, your neighbour’s lively toy poodle might be less likely to show signs of ageing than your laid-back schnauzer. Consider your dog’s breed, your knowledge of their genetics, and their way of life. You might have a senior dog on your hands who needs particular care!
Why should I get dog insurance?
Pet insurance for dogs can help with the rising cost of health care. This being one of the reasons why more than half of pets do not get to visit their veterinarian regularly—they cannot afford to. Unfortunately, pet insurance cover may not be something that every pet parent has.
Older pets, just like humans, experience health complications as they age. Your dog may have slowed down or stopped playing. Other ageing indicators in dogs include:
- Loss of sight, hearing, teeth, or hair
- Weight increase
- Arthritis and other joint disorders
- Reduced muscle tone or skin elasticity
- Inadequate organ function (heart, liver, kidneys, lungs)
- Immune system dysfunction
- Neurological problems
Cancer rates in dogs may show another reality of ageing. With one in every four dogs acquiring cancer at some point in their lives and half of the dogs over ten developing cancers due to ageing, pet insurance can help pet-parents plan for and offset the cost of potential cancer treatments.
Can older dogs get pet insurance?
Absolutely! Pet insurance for dogs can cover annual veterinary appointments and other essential medical expenses for elderly pets. Pet health insurance includes coverage options such as: *
- Biannual senior wellness examinations
- Diet food that gets tailored to your needs
- Medications and immunizations
- Emergency Services
- Surgical expenses
- Treatments for cancer
- Rehabilitation and alternative treatments
* Standard T&C Apply
How does it function?
If you have pet insurance, you and your family don’t have to make the difficult decision to forgo insured vital medical care for your devoted friend.
Pay for your medical care at any board-certified veterinary clinic and email the bill to the insurer. Depending upon the policy you choose, the refund/reimbursement shall occur.
What would it cost?
Monthly dog insurance premiums for an older dog may be higher than for a younger dog. A pet insurance policy can help cover your finances and keep your dog healthy. An insurance quote is free, and your policy can be tailored to your specific needs.
What if my dog already has a medical condition?
Your dog may be ineligible for insurance if they have pre-existing conditions. Other coverage exclusions for dog insurance policies include: *
- Optional procedures
- Anal gland expression or removal of anal vasculitis
- Breeding and breeding-related conditions
- Supplemental vitamins and minerals
- Bathing and grooming expenses (including medicated baths)
- Illness or injury caused by your pet’s participation in racing, coursing, commercial guarding, or organised fighting.
- Transplants of organs
* Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
