Best Pet Insurance for Senior Dogs | 2023 Review – MarketWatchBest Pet Insurance for Senior Dogs | 2023 Review – MarketWatch

As your dog gets older, health issues will inevitably arise. If you consider your pet a family member, make sure it’s protected like one. The sooner you enroll your senior pet in a pet insurance policy, the better the chances they’ll be covered if and when health issues arise.

We at the Guides Home Team have carefully researched the best dog insurance companies with the most robust coverage for your beloved senior dogs. Our guide breaks down older dog protection in terms of eligibility, price, customization options and more.

Spot: Our Pick for Customizable Coverage

Spot offers the most customizable policy when compared to other top providers. It allows customers to choose a monthly premium that works best for their budget while still getting the coverage their own older dog(s) need.


Spot family pet insurance has comprehensive insurance coverage for accidents, illnesses, emergency care, surgeries, hospitalization, chemotherapy and prescription medications. Spot’s standard plan also covers alternative therapies, such as stem cell therapy, chiropractic care plus acupuncture.

You can enroll your older dog in Spot’s add-on wellness plan in order to cover routine veterinary care like wellbeing checkups, dental cleanings and blood work. A unique feature of Spot is its approach to preexisting conditions. In case your pet had the previous condition and goes 180 days without needing treatment or showing symptoms, Place will cover it in the future.  

Get your quote: Fill out Spot’s online form

To learn more : Spot Pet Insurance coverage review

Figo: Most Flexible Reimbursement Rates

Figo offers the particular widest range of reimbursements, including a 100% rate option. This means that once you’ve reached your own deductible, your vet bills will be fully reimbursed for the remaining calendar year.


Figo Pet Insurance offers no upper age limit, so you can sign up your older dog anytime. The company offers three annual plans, four reimbursement rates plus four deductible options. This includes the 100% compensation option and an unlimited annual insurance option (although the two cannot be used together). All three programs cover surgical procedures, prosthetics, hospitalization, chronic conditions, emergency services and advanced treatments.

Figo offers an unique Extra Care add-on covering special circumstances dog owners might face, for example lost family pet advertising plus reward, vacation cancellation in the event of a pet emergency and end-of-life expenses such as cremation and burial. Policyholders furthermore have access to Figo’s Dog Cloud app where they can manage their particular policy, submit claims plus connect along with other local pet parents.

Get your quotation: Fill up out Figo’s on the internet form  

To learn more : Figo Family pet Insurance review

Wagmo: Most Wellness Plan Options

Wagmo may be a good option for pet parents concerned about the costs of their senior dog’s preventive treatment, as it offers three health and fitness plans. The plans start at $20 per month and cover routine solutions such as vaccinations and checkups.


Wagmo offers three wellness packages — more than its competitors. The plans are tiered, so you only pay for that routine care your dog needs. Depending on the selected tier (Value, Classic and Deluxe), you can be reimbursed for a wellness exam, vaccinations, blood work, flea/tick/heartworm medication and grooming.  

Additionally, Wagmo has one accident-and-illness plan covering emergency vet visits, diagnostic testing, surgeries, hospital stays, cancer treatment, hereditary conditions, hip dysplasia and more. Wagmo will reimburse up to $10, 000 per incident plus up to $100, 000 over the particular course of your dog’s life.

Be mindful associated with Wagmo’s 15-day waiting period for accidents and illnesses, and 30-day waiting time period for cancer treatments. Wagmo also doesn’t cover prescription food, vitamins, supplements or dental surgery.

Get your quote: Fill out Wagmo’s online form

To find out more : Wagmo Pet Insurance review

Embrace: Our Pick for Savings

Senior dog pet insurance is often more expensive, as older pets are more likely to need veterinary treatment. Embrace provides several discounts as well as a vanishing deductible to save you money on your policy.


Accept offers an accident-and-illness in addition to accident-only plan, though dogs 14 and even older are usually only eligible for the accident-only policy. The company’s accident-and-illness plan covers alternative therapies, exam fees, treatments together with procedures related to a disease, injury or even health condition. You’ll also receive as much as $1, 000 in dental illness coverage (no dental exam is necessary).

Embrace gives great opportunities to save money with the 10% discount for each enrolled pet, a new 5% military discount and additionally a 10% employee low cost if your employer presents Embrace. Furthermore, Embrace offers a vanishing deductible which reduces your own annual insurance deductible by $50 each year you don’t submit some sort of claim.

Like Spot, Adopt distinguishes between curable not to mention incurable preexisting conditions. If your canine goes one year without a good recurrence regarding its prior condition, Take hold of will no longer view it as current.

Get your current quote: Fill out Embrace’s on the internet form

To learn more: Embrace Pet Insurance review

Healthy Paws: Affordable Unlimited Protection

Healthy Paws is one of the few pet insurance providers that offers unlimited coverage at your cheaper monthly premium. This prevents senior pet parents from worrying about exceeding a coverage limit or perhaps having in order to pay out-of-pocket for costly vet bills.


Healthy Paws delivers one accident-and-illness plan addressing procedures and also treatments associated with a covered injury, sickness or condition. Its coverage is unlimited, so a person won’t exceed any set amount for each incident or maybe annually. According to Healthful Paws, claims are processed in 48 hours, which is faster compared to many other providers.  

Senior doggy owners should be mindful that Healthy Feet does not allow new enrollment for dogs 14 and old. It also removes customization options from your premium if you’re enrolling a pet 6 or more mature. Based on sample quotes we pulled with regard to a medium mixed doggie in Raleigh, N. C., a 6-year-old dog would have 70% reimbursement and a $500 allowable, a 7-year-old dog would have 70% reimbursement and some $750 deductible, and any dog 8 and elderly might have a fabulous 50% compensation rate as well as $1, 500 deductible.  

Get your quotation: Fill up out Healthy Paws’ online type

To learn more : Healthy Paws Pet Insurance coverage review

Do You Need Older Dog Insurance?

According to VCA Animal Hospital , small dogs are considered seniors at age 11, medium-sized canines at age 10 and large puppies around age group 7. No matter when your dog is technically “old, ” it will become a lot more prone to weakness, illness plus injury because it ages, and will thus require veterinary proper care.  

In case your older dog is not currently insured, consider enrolling in a policy before it begins experiencing health problems. Remember, no dog insurance company will cover the pet’s preexisting conditions. A preexisting situation can be any previous symptomatic sickness or injury, as well as any kind of diagnosed and/or treated problem. The earlier your own personal dog will be enrolled within an insurance plan, typically the more protection you’ll get.

How Much Does Family pet Insurance regarding Senior Dogs Cost?

Several factors can affect your month-to-month pet insurance coverage premium for a senior puppy.

  • Age: Otherwise you dog ages, it becomes more pricey to insure because it’s likely to experience more health issues. If you’re enrolling an older dog for the first time, your month to month premiums will be higher as compared to average. We pulled test quotes intended for a medium-sized, mixed 11-year-old dog, and the monthly cost ranged from $95 to be able to $150.
  • Breed: Your dog’s breed can also influence your pet insurance policy premium, since certain breeds are more susceptible to certain conditions. For example , German shepherds are genetically predisposed for you to hip dysplasia and therefore more expensive to help insure.
  • Location: Where you and your furry friend live can also affect your policy’s price. Furry friend insurance providers consider how much your local veterinarians charge for their services, while well like any insurance plan regulations your personal state follows.

Common Health Problems for Mature Dogs

Your own dog could encounter any number of health problems due to its era, genetics as well as a combination of both. According to the American Kennel Club, the most common problems older dogs develop include the following:

  • Arthritis
  • Cancer
  • Cognitive decline
  • Hearing loss
  • Kidney disease
  • Obesity
  • Vision loss

The particular United states Veterinary Medical Association found that will almost 50% of pups over grow older 10 will develop cancer at some point in their own lives. Cancer diagnosis in addition to treatments (such as radiation and chemotherapy) can be incredibly costly, so it’s wise to get a pet insurance plan before your dog gets ill.

The Bottom Line

As your dog’s time increases, therefore does this amount involving money required to maintain its health and overall care. Sadly, pet owners are often faced with often the difficult decision of paying out-of-pocket to get costly treatments or saying goodbye to their beloved furry friends. Finding the right family pet insurance provider pertaining to you as well as your senior pet will help cover future costs and even alleviate your own worry.

When you feel you’re late in insuring your mature dog, signing up now before its wellness declines will certainly still become beneficial. The pet insurance plan with simply no upper get older limit together with a vast range connected with coverage is usually ideal meant for your pet. All of us recommend getting quotes through each provider on this list so you can make the best choice.

Methodology: Our System for Ranking the Best Pet Insurance policy Companies

Our review with pet insurance policies companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating your quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and additionally surveying 1, 000 pet dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each provider upon a 100-point scale based on those elements.

Here usually are more details about each factor and how they’re weighted:  

  • Monthly pricing (25 points): How much every company charges for its furry friend insurance plans is an important part of a customer’s decision. The best pet insurance companies combine comprehensive coverage not to mention plan choices with affordable rates.
  • Plans (15 points): The top pet insurance providers offer accident and disease plans, accident-only plans and also wellness or preventive attention add-ons to give customers the option to choose a plan that’s best for their particular pet.
  • Covered treatments (15 points): With this factor, we scored companies based on the exact treatments as well as procedures they cover. Companies with a breadth of included treatments and unique coverages received even more points when compared with providers with more standard or general policies.
  • Customization options (10 points): Customizing your current policy is a valuable way to ensure an individual only pay designed for what your pet needs. Providers with a great deal more annual-limit, insurance deductible and reimbursement-rate options earned the highest scores.
  • Customer care (10 points): We obtained companies about their website accessibility plus overall usability, customer service availability, mobile apps (if any), money-back guarantees and veterinarian telehealth alternatives, awarding points to the insurers with more customer encounter offerings.
  • Industry reputation (10 points): To determine each company’s industry reputation, we reviewed up-to-date ratings and accreditation information coming from the Better Business Bureau (BBB) in addition to scored companies on their very own years of knowledge in the industry and even their state availability.
  • Waiting periods (10 points): Companies along with shorter accident, illness together with orthopedic waiting periods between the sign-up and additionally coverage start date have scored higher in comparison with companies together with longer waiting around periods.
  • Eligible age (5 points): Some businesses don’t offer policies just for pets that are over a certain years. We deducted points by providers that have age limits for covered pets.

We use our rating system to compare and contrast each company against key factors to help us figure out the best pet insurance cover companies in the market. Additionally, all of us keep our research up to date and revisit our evaluations on an important regular basis.

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