Companies offering pet insurance for older dogs

20 September 2021 - 4 min read

As dogs get older, it's more likely they'll need vet treatment. As a result, many pet insurance companies won’t insure dogs aged over 7 or 8 years and if they do the premiums can be expensive.

We've found the companies that offer insurance for older dogs. Including our policies that can cover pets of any age.

Insurance for older dogs

Compare some of the best pet insurance for older dogs:

If you have dogs where age is less of a factor check our list of the best dog insurance companies.

We've also listed some of the cheapest pet insurance policies to help you compare cheap pet insurance quotes for dogs.

ManyPets pet insurance for older dogs

We've designed comprehensive policies where owners with dogs aged over 9 pay 20% of the claim on top of a £99 excess to keep monthly premiums down.

Most of our policies are open to dogs of any age and they all cover conditions that ended at least two years ago. And all our policies give customers access to FirstVet, which lets you video call a vet for free, 24/7.

And we're the only company that covers pre-existing conditions (as long as your pet hasn't received treatment or advice for them in the three months before the policy starts. If they have, they'll only be covered once they've been free from treatment, medication or advice for at least three months).

Our Complete lifetime cover offers £15,000 of vet fee cover a year and includes dental cover for accidents and illness.

We also offer a range of other policies including Regular and Value.

Here's what Alan, one of our customers, says about our Complete cover: "This policy is excellent for older dogs particularly if you want to move insurance providers and upgrade to lifetime. £15,000 a year cover with full dental is also very comprehensive. I am delighted with my dog's policy."

Read his full 5-star review here.

Lifetime Pet Cover

As their name suggests, Lifetime Pet Cover only offer lifetime pet insurance policies (the type of pet insurance policy which continues to pay out for ongoing medical conditions because the vet fee limit resets each year you renew). Dental cover is included. There is no upper age limit.

Lifetime (or ‘yearly limit’) insurance covers vet fees up to the stated limit every year. This can be a good option if you worry about your pet developing a long-term or recurring illness. So long as you renew a lifetime policy each year, the level of vet fees will reset to the full stated limits that you started with.

With a lifetime product, it is important to note that your premiums will increase each year at renewal.

Lifetime offers five levels of vet fee cover starting from £2,000 up to £10,000.

As with all UK pet insurance policies for elderly dogs, owners need to contribute to the costs of any claim. For dogs between 7 and 12 years old, owners will have to pay 20% of the claims settlement and for dogs over 12, they will pay 25% of the claims settlement, after the excess.

Older dogs with More Than pet insurance

One of the UK’s best-known pet insurance companies, More Than, insures dogs up to any age and offers a range of pet insurance policies to choose from.

If you purchase the company's pet insurance for a 9-year-old dog, you'll have to contribute 20% of the cost of any claim (in addition to the £100 policy excess).

John Lewis Finance Pet Insurance for elderly dogs

Another highly-rated pet insurance company with options for dogs aged over 7 is John Lewis Finance Pet Insurance. There's no upper age limit.

Like More Than, John Lewis Finance pet insurance is underwritten by RSA, one of the world's largest insurance companies.

However, as John Lewis Finance only offers lifetime pet insurance policies (the type which continues to provide cover for medical conditions year after year), their prices for older dogs can be more expensive than More Than's.

Top tip: the excess on John Lewis Finance pet insurance increases for dogs aged over 9, and owners have to pay the first 20% of any claim, or the £500 excess option, whichever is more expensive.

Animal Friends pet insurance for older dogs

Animal Friends is a specialist pet insurance company that also supports animal welfare charities. It offers insurance for dogs aged over 8 through a “co-payment” system.

When you make a pet insurance claim for your dog, you pay both the policy excess (usually £99) and 35% of however much is left over.

Top tip: Animal Friends co-payment does make the cost of pet insurance for older dogs cheaper, but you need to bear in mind you’ll need to pay 35% of the costs of vet treatment, plus the policy excess, when you make a claim for your dog.

Other things to consider when insuring older dogs

Pet insurance policies don't pay out for older dogs if they die due to illness or injury. So if you have pet insurance for a dog aged 11 that passes away, you won't be able to claim for its death.

Not all companies provide comprehensive dental cover with their pet insurance policies, which can become more of a consideration as dogs enter their senior years.

Why is it hard to find cheap pet insurance for older dogs?

As dogs get older, insurance premiums go up because pets are more likely to suffer from medical conditions and injuries.

It's a cause of frustration for many senior dog owners that the cost of insurance increases at every renewal.

Many people feel pet insurance companies are trying to take advantage of them - especially if they have already claimed on their insurance and will find it difficult to switch to another pet insurer.

However, in fairness to the pet insurance companies, the increase in costs for senior dogs does boil down to the statistics, which show that the probability of making a claim for vet treatment increases exponentially each year of a dog's life from age 2 onward.

This means if you have insurance for a 12 or 13-year-old dog, you're more likely to claim than if you have a younger dog.

Find out more about what dog insurance costs.

Compare the top 10 cheap pet insurance for dogs

If your dog is younger and you are simply looking for cheap pet insurance for dogs, we have ranked and reviewed the top 10 best cheap dog insurance policies to help you compare cheap pet insurance for dogs.

Be mindful that cheaper policies will often come with smaller limits of cover and might, therefore, fail to protect you when you need it most. If your dog gets ill and vet bills exceed the often low vet fee limits of most cheaper pet insurance policies, you might end up having to pay out of pocket.

ManyPets offers one of the most comprehensive pet insurance cover on the market - Complete. Complete comes with £15,000 for vet fees, £6,000 for death, theft and loss, £2,500 for travelling abroad with your pets and dental is included as standard.

[1] All quotes were obtained in October 2018 and are based on buying pet insurance for a 10-year-old Border Terrier, in an MK postcode.

If you're looking for cheap pet insurance for cats, have a look at our cheap pet insurance for cats article, where we've ranked the best cheap policies and have provided some cheap pet insurance quotes for cats.

Irina Wells
Content Marketing Executive

Irina is a former content marketing executive for ManyPets. She has contributed to a number of personal finance sites, including Loot Financial Services and Claro Money.

This article was written by ManyPets. We were not paid to write it but we will receive commission if clicking on a link to one of the named insurers results in a reader taking out a policy with that insurer. We also charge for advertising space so a particular insurer may be highlighted in the article and, where insurers are listed, it can dictate where they appear in the list.