Meta Description: Wondering if you are still able to take out pet insurance for your senior dog or cat in 2025? Here’s all the information about the animals, what can you get covered, the costs, and also whether it’s worth it even 5 years later, in addition to their introductions, you can also read the conclusion on the homepage and check our social media accounts for the latest news.
🐾 Introduction
Just as humans’ medical needs increase with age, so do their pets’. Senior dogs and cats often suffer from arthritis, periodontal and chronic diseases which makes them more likely to be the patients of vet clinics and to undergo high-cost treatments. Thus, it is an important matter to address if the parent of the pet is:
According to the recent changes, the fact is, no, it is not too late to be covered for those of the pet-loving community who have pets of advanced age. The way to go, thus, is firstly to get acquainted with the several elements at play to take the right next steps in the process.
Can You Get Pet Insurance for Senior Pets?
Yes, several companies sell insurance to older pets, that’s even to those that are over 10 years of age. Nonetheless:
- Premiums, owing to more vulnerable health due to age, normally have a higher price tag.
- It may be that the protection extends only to certain pre-existing or chronic conditions.
- Not every company is willing to enroll a pet aged up to 10-14.
The pet who is a little far in years can also still take out pet insurance, however, it is definitely something to think about and maybe a smart move money-wise. Especially, when you consider that by getting such a policy, your pet is relatively healthy and may only be in need of emergency or chronic care coverage in the future.
📝 Common Coverage for Senior Pets
Ordinary pet insurance plans for elder animals include the following:
- Accident & illness coverage
- Diagnostic testing (blood work, X-rays, ultrasounds)
- Surgery & hospitalization
- Cancer treatment
- Prescription medications
Extra services of veterinary insurance can be like:
- Wellness visits
- Dental cleanings
- Vaccines (less common in older pets)
Please note that any chronic/inherited diseases your pet already has (like arthritis, diabetes, kidney disease) may not be compensated.
💡 Is Pet Insurance Worth It for Older Dogs and Cats
| Consideration | Value |
|---|---|
| Pet’s current health | Healthier seniors may benefit more |
| Cost of premium vs. expected care | Helps offset expensive treatments |
| Your ability to pay out-of-pocket | Insurance adds peace of mind |
| Likelihood of emergencies | Older pets are more prone to sudden illness or injury |
Best Pet Insurance Providers for Older Pets in 2025
The following are a list of the highly-rated insurance companies that cater to the medical expenses of elderly pets.
1. Embrace Pet Insurance
- Age limit: Up to 14 for illness plans
- Offers wellness add-on
- Covers hereditary & chronic conditions
2. Pumpkin Pet Insurance
- No upper age limit
- Covers advanced diagnostics and alternative care
3. ASPCA Pet Health Insurance
- Accepts older pets with custom deductibles
- Offers accident-only plans as a lower-cost option
4. Figo Pet Insurance
- No age limit
- Includes 24/7 vet chat and customizable reimbursement
💵 Sample Monthly Premiums for
| Pet Type | Age | Plan Type | Avg. Monthly Cost |
|---|---|---|---|
| Dog (Labrador) | 11 years | Illness & Accident | $65–$90 |
| Cat (Persian) | 12 years | Illness & Accident | $40–$60 |
| Dog | 10+ | Accident-Only | $25–$35 |
Alternative to Traditional Pet Insurance
When complete insurance does not seem reasonable, you can contemplate the following:
- Accident-only packages – These are not only cheap but very beneficial as well.
- Animal health savings account – Save money regularly and build up a kitty to pay for veterinary fees.
- Healthcare deals – Although not very common, some veterinary centers have the option of getting basic treatments on a membership fee basis.