Best Pet Insurance For Older Dogs

Where to find the best pet insurance for older dogs is one of the most frequently asked questions by dog owners. In recent years, veterinary care has become quite pricey, which has made many people turn to pet insurance. With your pet insurance quote, you will be able to handle unpaid bills and expenses.

Moreover, as a dog gets older, there are some noticeable changes as well as health conditions that it will develop. For example, kidney disease, arthritis, and even cancer. With this in mind, if you do not have a financial safety net, you will struggle or find it difficult to handle healthcare decisions and pay for their care.

Best Pet Insurance For Older Dogs

This is why pet insurance for older dogs is important. The cost of purchasing a policy increases as your pet’s age increases. Not to worry, we have compiled some of the best and most affordable pet insurance for older dogs.

Signs of an Aging Dog?

According to the American Kennel Club, here are some of the signs that your dog is aging or getting old:

  • Cloudy eyes.
  • Difficulty moving around.
  • Bad breath.
  • Increased anxiety.
  • Trouble seeing.
  • Changes in its sleeping cycle.
  • Increased barking.
  • House soiling.
  • Change in its activity level.
  • Disorientation and confusion.
  • Incontinence.
  • Compulsive and repetitive behaviors.
  • Weight change.
  • Fear of familiar objects or people.

If you notice all of these signs in your dog, there is no doubt that it is getting old.

Best Pet Insurance For Older Dogs

I have put together some of the best pet insurance for older dogs to save you time. All you are going to do is read through and compare their quotes before making any purchase. Now, let’s begin:

  • Spot.
  • Fetch.
  • Embrace.
  • Pets Best.
  • ASPCA Pet Health Insurance.
  • Pumpkin.
  • Figo.
  • ManyPets.
  • Healthy Paws.
  • Trupanion.


Spot allows customers to customize their policies to their preferences. They also have a lot of good reviews online. Following this, Spot offers end-of-life coverage, and there is no upper age limit for enrollment. You also get to enjoy a 24/7 telehealth helpline.


Fetch is one of the best pet insurance companies for older dogs because it provides comprehensive coverage. To begin with, they offer sick visit exam fee coverage, comprehensive dental coverage, and even stem cell therapy. However, Fetch does not offer unlimited coverage, and their comprehensive coverage comes at a higher premium.


Embrace is among the best pet insurance companies for senior dogs and offers superior benefits to policyholders. Moreover, if you are interested in 24.7 telehealth care or would like to buy a wellness plan, check out Embrace.

Pets Best

A lot of people prefer purchasing pet insurance with direct vet pay. Well, you need to try out Pets Best. It is another amazing pet insurance provider for senior dogs. Similar to Spot, there are no upper age limits for coverage, and their deductibles are as low as 450. What’s more, they offer cheap premiums for senior pets without risking coverage.

ASPCA Pet Health Insurance

Next on the list is ASPCA Pet Health Insurance. They have no upper age limits for coverage and offer various services and coverage options. For instance, there are alternative therapies for arthritis and microchipping. Also, they cover prescription foods and supplements during illness treatment.


Pumpkin is an amazing choice for reimbursement for senior or older dogs. Not only is it the best, but it also offers discounts and optional wellness coverage. Moreover, policyholders can enjoy a 90% reimbursement level for dogs who are 8 weeks and older. Senior dogs are no exception to this feature or service.


One of the biggest and most popular pet insurance companies is Figo. When you purchase a policy, Figo increases your premium rate as your pets grow older. Nevertheless, they offer tons of coverage options, and you can contact them 24/7 whenever you need help or assistance.


If you are looking for an affordable place to purchase the best pet insurance for older dogs, ManyPets is a great option. They offer low monthly rates, and you can access their services in more than 40 states. Plus, veterinarian exam fees for illness or accident visits are part of what you enjoy when you buy a quote.

Healthy Paws

With Healthy Paws, reimbursement is made within 24 hours when you make a claim and it gets approved. It is also one of the best pet insurance options for older dogs. But if you are interested in a quote, your pet will have to undergo a vet examination before you proceed and complete your coverage application.


A lot of people who have pet insurance are not able to cover emergency veterinary care. The reason behind this is that many pet insurance companies compensate you; however, you are responsible for making payments for the vet care provided. However, when you purchase a quote or policy with this insurance company, emergency care is part of the coverage you can access.

Tips for Reducing the Cost of Pet Insurance for Senior Dogs

If you want to get pet insurance for older dogs but keep coming across high or discouraging rates, do not worry. You do not have to give up because this type of insurance is highly beneficial. So, here are some tips to reduce the price of a senior dog insurance quote:

  • Compare pet insurance quotes.
  • Alter the coverage level to suit your budget and needs.
  • Ask for discounts.

There are some common pet insurance discounts available, and you can request that the company use or access these discounts.