Pet insurance for older dogs
Older dog, same cover
Care for them through their golden years with our dog insurance plans.
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Pet insurance for older dogs
Just when your dog reaches an age where they need pet insurance more than ever, all of a sudden it can be trickier to come by. Many insurers sadly won’t cover older dogs because they know they’re more likely to need medical care. But we don’t think that’s fair.
At ManyPets, we love pets of all ages, so there’s no upper age limit on our dog insurance. We offer up to £20,000 of Lifetime vet fee cover for all dogs on our Complete Care plan, and we’ll also cover pre-existing conditions without signs, symptoms, treatment, medication or advice for two or more years before your policy start date.
There are just a couple of things to bear in mind. When your dog turns seven, you’ll need to pay a 20% co-payment fee per claim after you’ve paid your excess.
Co-payments are a fixed percentage you will pay for your pet's treatment. We calculate this percentage from your vet bill minus the excess.
Like fixed excesses, co-payments help to make the insurance price more affordable. Our excess and co-payment guide explains more.
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When is a dog considered old?
Well, it depends. Although your dog may still bounce around like a pup, dogs can generally be classed as senior canine citizens when they reach the ripe old age of seven or eight. It’s a little higher for smaller breeds, who on average have longer lifespans, and can be slightly less for giant breeds who age more quickly.
But whenever it is that your older dog starts taking life at a slower pace, you'll find a plan that suits you both at ManyPets.
Why pick ManyPets dog insurance?
We don’t put limits on our pet insurance for older dogs. Alongside up to £20,000 of vet fee cover, you can still get your paws on all of these extras.
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Pre-existing conditions
All our plans cover pre-existing conditions that ended more than two years before your policy start date. Read our handbook for the full details.:quality(75)){kind=icon}
Dental treatment
Cover for dental illness and accidents up to the vet fee limit with our Standard Care and Complete Care plans, as long as your dog has had a dental check-up within the last twelve months, and you've followed any dental treatment recommended by a vet within six months. Essential Care also includes dental accidents up to £1k.:quality(75)){kind=icon}
Third party liability
All our dog insurance plans include some cover for someone taking legal action against you or your dog.:quality(75)){kind=icon}
Extra pet perks
We always want to care for your older dog’s health and wellbeing, even when you don’t need to claim. That’s why we provide discounted flea, tick and worm treatment, a pet-sitting membership offer and much more. Terms apply*.:quality(75)){kind=icon}
Behavioural cover
Our Complete Care plan covers vet-referred behavioural therapy if your pet needs it after an accident or illness.:quality(75)){kind=icon}
Complementary treatments
If your older dog is referred by a vet for hydrotherapy or another complementary therapy, you have cover within your vet fee limit. The level ranges from £500 to £3,000 depending on your plan.:quality(75)){kind=icon}
Spread the cost
You can pay for your older dog insurance plan monthly at no extra cost.:quality(75)){kind=icon}
MoneyBack optional extra
Get 20% of your premium back if you haven't needed to make a claim in your policy year. Available on most of our plans.ManyPets' Reviews
Compare our dog insurance plans
We’ve got a range of pet insurance plans for older dogs with cover up to £20,000. See how they stack up and pick the one that’s right for you.
| Complete Care | Standard Care | Standard Care Pre-existing | Essential Care | |
|---|---|---|---|---|
| Plan details | ||||
| Vet fee cover up to | £20,000 | £10,000 | £7,000 | £3,000 |
| Dental cover | Accidents and illness | Accidents and illness | Accidents and illness | Accidents only (Up to £1,000) |
| Pre-existing conditions cover | Cover for conditions that ended 2 years before policy start date | Cover for conditions that ended 2 years before policy start date | Up to £1,500 cover for conditions that ended 3 months before policy start date | Cover for conditions that ended 2 years before policy start date |
| Unlimited 24/7 video vet calls at no extra cost | ||||
| Access to ManyPets Perks *T&Cs apply |
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Older dogs with health conditions
Just like humans, it’s more likely your dog will have health problems as they age. And as many insurers exclude pre-existing conditions from their cover, this can make it even trickier to find the right insurance.
We don’t think that’s right. That’s why all of our plans cover conditions without signs, symptoms, treatment, advice or medication for two or more years before your policy start date.
But what if your older dog has a more recent problem? Well, that’s where you can turn to our Standard Care Pre-existing plan. It provides cover for dogs who’ve had a condition within the last two years, as long as they’ve been free from signs, symptoms, treatment, medication or advice for that issue for three months before your policy start date.
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Cover for teeth? That’s dental!
Dental health can be a real problem for older dogs, as they’re more likely to experience issues as they get older. We have cover for dental illness and accidents up to the vet fee limit with our Standard Care and Complete Care plans, as long as your dog’s had a dental check-up within the last twelve months, and you’ve followed any dental treatment recommended by a vet within six months.
All of our plans include cover for dental accidents (up to £1k on Essential Care).
Get ManyPets Perks worth up to £500
You get more than just pet insurance for older dogs when you take out a ManyPets plan. Here’s what else you can get your paws on. Offers may change at anytime. Terms apply*
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Unlimited, 24/7 video vet calls with FirstVet
Get advice from a UK-registered vet on your phone, day or night, at no extra cost. No excess, no impact on your renewal price.:quality(75)){kind=icon}
Pet-sitting discount
Enjoy an offer on pet-sitting membership with TrustedHousesitters. Terms apply*:quality(75)){kind=icon}
Pet health plan
Get discounted flea, tick and worming treatment delivered to your door.:quality(75)){kind=icon}
Doggy discounts
Enjoy exclusive savings on dog treats, accessories and more.:quality(75))
Preventative care for older dogs
The ManyPets Flea, Tick & Worm Plan
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Unlimited, 24/7 video vet calls with FirstVet
Ever wished you had a vet in your contacts? Now you do. As a member of our pack, you have access to unlimited, 24/7 video vet calls with FirstVet, at no extra cost. Available weekends, evenings, whenever you need.
It’s perfect for when you’re not sure if a vet visit is needed. Like when your older dog has a sudden change in appetite. Or if you find an odd skin growth. Whether it’s an out-of-hours accident or a minor illness, speedy vet help is only ever a few taps away.
And the best part? There’s no excess to pay for using the video vet service — and it won’t impact your renewal price.
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Multi-pet insurance
Got a pack to cover? Get up to 15% off when you insure multiple pets.
Claiming is easy
Your older dog’s pet insurance should be simple – so now it is. Here’s how easy it is to claim on your senior dog’s plan.
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1. Your proof
Get a copy of your older dog’s treatment invoice or a receipt if payment has been made.
2. Access your account
Log into your ManyPets online account.:quality(75)){kind=icon}
3. Make your claim
Click 'Make a claim', tell us what happened and upload your evidence. We’ll take it from there.Older dog insurance FAQs
All the questions you’ve ever wanted to ask about older dog insurance.
How much is pet insurance for older dogs?
How much is pet insurance for older dogs?
In the UK, the cost of insuring dog of any age can depend on:
Your pet's breed
Their age
Where you live
Any pre-existing conditions they have
The plan you choose
It’s important to note that pet insurance for older dogs is usually more expensive than it is for younger pets. That's because older dogs are much more likely to need vet treatment at some point.
If you take out a plan with us after your pet's seventh birthday, you'll need to pay a 20% co-payment on each claim. Our co-payment guide explains what this is.
We also charge only one excess per pet, once a year, if you claim.
The best way to find out exactly how much it’ll cost to insure your dog is to get a quote – it only takes a few moments.
Why is pet insurance for older dogs more expensive?
Why is pet insurance for older dogs more expensive?
Pet insurance for older dogs is nearly always more expensive than it is for younger pets. That's because, like humans, dogs are much more likely to need medical care as they age. Insurers will expect you to claim more, so this is reflected in their prices.
Does dog insurance cover euthanasia?
Does dog insurance cover euthanasia?
Farewell cover is included as a result of illness or injury on our Complete and Standard Care plans.
What if my older dog has existing medical conditions?
What if my older dog has existing medical conditions?
If your older dog has had a health issue within the last two years that has needed vet advice, treatment or medication or has shown signs and symptoms, our Standard Care Pre-existing plan may be right for you.
It will cover more recent conditions, as long as your dog has been free from signs, symptoms, treatment, medication or advice for three months before the policy start date.
We’ll give you up to £1500 of vet fee cover for the pre-existing condition within a wider vet fee limit of £7000, which can be used for new conditions.
Is pet insurance for older dogs worth it?
Is pet insurance for older dogs worth it?
Older dogs are more likely to need vet care, especially if they’ve developed a condition that requires on-going treatment.
Although this fact makes pet insurance for older dogs more expensive, having cover can give you peace of mind, and may save you paying out for costly, unexpected vet bills.
Is dental cover included in my older dog insurance?
Is dental cover included in my older dog insurance?
We have cover for dental illness and accidents up to the vet fee limit with our Standard Care and Complete Care plans, as long as your older dog’s had a dental check-up within the last twelve months, and you’ve followed any dental treatment recommended by a vet within six months.
All of our other plans include cover for dental accidents only, with up to £1,000 on Essential Care.
Dog breed guides
Read our guides to some of the UK's favourite dog breeds, including common health conditions, personality traits, the cost of treatment and pet insurance.
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