Pet insurance for older dogs
Older dog, same cover
Care for them through their golden years with our dog insurance policies.
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Award-winning insurance
Voted Pet Insurance Provider of the Year in the 2024 Moneyfacts Consumer Awards; Winners of the Feefo Platinum Trusted Service Award 2023; Awarded 5 stars by Fairer Finance 2024.
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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 £15,000 of lifetime cover for all dogs and we’ll also cover pre-existing conditions that haven’t needed treatment, medication or advice for two years.
There’s just a couple of things to bear in mind. When your dog turns nine, you’ll need to pay a compulsory excess of £99, plus 20% of any claim amount after you’ve paid your excess (called a co-payment). That’s so we can keep everyone’s premium prices more affordable.
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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 7 or 8. 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 policy that suits you both at ManyPets.
Why pick ManyPets dog insurance?
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Pre-existing conditions
All of our dog insurance policies cover conditions that haven’t needed any treatment, medication or advice for two years. We also have a dedicated Pre-existing policy for dogs of any age that can cover more recent conditions.
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Dental treatment
Our Complete policy covers dental accidents and illness, 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 our other policies cover dental accidents.
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Third party liability
All of our dog insurance policies include cover for someone taking legal action against you and your dog.
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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 unlimited, 24/7 video vet calls with FirstVet, discounted flea, tick and worm treatment, a year’s free pet sitter membership – and much more.
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Behavioural cover
We’ll cover behavioural treatment that’s needed as a result of an accident or injury when recommended by your vet.
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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 £2,500 depending on your policy.
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Spread the cost
You can pay for your older dog insurance policy monthly at no extra cost.
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MoneyBack optional extra
Pay a little more for your policy and get 20% of your premium back at renewal if you haven’t needed to make a claim.
Compare our dog insurance policies
We’ve got a range of pet insurance policies for older dogs with cover up to £15,000. See how they stack up and pick the one that’s right for you.
| Complete | Regular | Pre-existing | Value | |
|---|---|---|---|---|
| Policy details | ||||
| Vet fee cover | £15,000 | £7,000 | £7,000 | £3,000 |
| Dental cover | Accidents and illness | Accidents only | Accidents only | Accidents only |
| Pre-existing conditions cover | Cover for conditions that ended 2 years ago | Cover for conditions that ended 2 years ago | £1,500 | Cover for conditions that ended 2 years ago |
| Unlimited 24/7 video vet calls at no extra cost | ||||
| Pet house sitter membership | Free | Free | Free | Free |
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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 policies cover conditions that have been free from treatment, advice or medication for two years.
But what if your older dog has a more recent problem? Well, that’s where you can turn to our Pre-existing policy. It provides cover for dogs who’ve had a condition within the last two years, as long as they’ve been free from treatment, medication or advice for that issue for three months.
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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. Our Complete policy includes insurance for dental illness, 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 policies include cover for dental accidents.
Get pet perks worth up to £500
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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.
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Free petsitting
A year’s free TrustedHousesitters membership, worth £99.
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Pet health plan
Get discounted flea, tick and worming treatment delivered to your door.
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Doggy discounts
Enjoy exclusive savings on dog treats, accessories and more.
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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? You can mix-and-match your dog (or cat!) insurance with up to 15% multi-pet discount. You can choose a different level of cover for each of your pet's including their own optional extras, because no two pets are the same. Available on all but our Value 2k policy.
Did we mention pet parents love us?
Here are just a few of the thousands of five-star reviews ManyPets members have written about our cat and dog insurance on Feefo.
“Dogs best friend”
Always there when I need them and providing an excellent service for Hugo
“Good value policy, efficient easy claims process”
I recently put in 2 claims for my dog, I was shocked when the next day I had an email to say my claim had been approved and paid. You really can't get better than that. The policy offers better protection, and at a lower cost than another well known policy providers.
“Great Insurance for your furry loved ones”
One of my dog has a long term illness that requires tablets everyday. ManyPets have been very supportive and helpful and have promptly paid for these tablets. I am glad we chose to use ManyPets. We took out the most extensive care plans that are available and they have proved their value time after time.
“Stop here you've found what you looking for!”
I cannot thank the Many Pets team enough for their compassion when dealing with my claim. They were the calm, whilst we were in a storm, regarding our pets health. Without their professionalism & the calm reassuring way they dealt with us, I really do think we wouldn't have our dog with us today. I was also grateful, that Many Pets dealt directly with my vet. I wish I could give them more than five stars.
Claiming is easy
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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.
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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?
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 policy 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 policy with us after your pet's 9th birthday, you'll need to pay a compulsory excess of £99 and a 20% co-payment of each claim. If you join before your pet's 9th birthday, their excess will be a minimum of £69 (unless you chose a higher excess), plus 20% co-payment of each 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?
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?
For older dogs over the age of nine, your policy won’t include cover for the vet fees associated with putting your pet to sleep, burial or cremation due to illness.
However, If your dog is under the age of nine, then this Farewell Cover is included as standard for accidents and illness on all of our policies.
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, our Pre-existing policy 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 starts.
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.
Find out more about our Pre-existing policy here.
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?
Dental accident and illness cover is included on our Complete policy, 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 policies include cover for dental accidents only.
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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The costs of older dog ownership
Dog insurance isn’t the only cost of owning an older dog. From out-of-hours vets, to common medical conditions, check out our guides on the costs of dog ownership.
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