Is it worth insuring an older dog?

As our dogs age, they require more care and attention, just like humans. On average, dogs live between 10 – 13 years, though some smaller breeds may live even longer. By the time they hit their senior years (typically around 7 years for large dogs and 10 years for smaller ones), their health begins to decline. This often means more frequent trips to the vet and, yes, higher medical bills.

So, is it still worth insuring an older dog?

Common health problems in older dogs

As dogs age, their bodies go through many changes. Organs, joints, and the immune system begin to wear down, making them more prone to illness. Over time, their body becomes less efficient at self-repair, and genetic predispositions may start to surface.

Years of playful runs, jumps, and walks put a strain on their joints and muscles. Organs like the heart, liver, and kidneys might not function as efficiently as they used to, while their immune system becomes less adept at fending off infections. As a result, older dogs are at higher risk for developing chronic conditions that require ongoing care.

Here are a few common issues seen in senior dogs:^*

Arthritis

A leading cause of stiffness and mobility issues in older dogs, arthritis can make everyday activities like walking or climbing stairs more challenging.

Cancer

The risk of cancer increases with age. This can range from treatable skin tumours to more aggressive cancers like lymphoma, which may require surgery or expensive treatments like chemotherapy.

Kidney disease

A failing kidney can lead to chronic issues requiring lifelong care, including special diets, medications, and regular vet visits.

Heart disease

Older dogs are also at higher risk for heart conditions, including congestive heart failure, which can result in long-term medication and monitoring.

Cognitive Dysfunction Syndrome (CDS)

Similar to dementia in humans, CDS affects a dog’s memory and awareness. It can cause confusion, restlessness and changes in sleeping patterns.

Diabetes

Senior dogs can develop diabetes, which requires careful monitoring of blood sugar levels, insulin injections and a strict diet.

These are just a few of the health issues senior dogs face. As these problems become more common, the associated costs can add up quickly. That’s where dog insurance can make a difference.

Why it is still worth insuring an older dog

You might wonder if it’s too late to insure your senior dog, but in reality, insurance can be even more valuable as they age. Older dogs are more likely to require ongoing treatments, diagnostic tests and medications for chronic conditions. Dog insurance can help cover these costs, making sure your dog gets the care they need, when they need it.

Treating new chronic conditions like cancer or heart disease can become incredibly expensive. A comprehensive pet insurance policy helps to offset those costs, so you can focus on your dog’s health rather than the bills. Pet insurance gives you peace of mind, knowing your dog will continue to receive high-quality care in their golden years.

Can you get pet insurance for an older dog?

Yes, you can still insure an older dog, though some policies may offer reduced cover due to their age. When comparing plans, look for one that covers long-term treatments, medications, and frequent vet visits, as these are likely to be more important as your dog ages.

Because older dogs are more prone to conditions like arthritis and kidney disease, premiums for their insurance tend to be higher. However, this cost is often outweighed by the potential expenses of treating chronic conditions, making pet insurance a smart choice in the long run.

Get a Petcover quote today

If your dog is under 8 years old (or under 5 for select breeds), you can take out a new Petcover dog insurance policy to help manage future vet bills.^†

If you’re ready to create a tailored insurance policy for your dog, get a quote online.