Compare Cheap Pet Insurance for Older Dogs
Get help with vet bills for your older dog today.
Once your dog reaches the age of 9 or 10 years old, you'll notice significant changes to how your pet is insured. We've researched the market to find insurance plans that still offer Lifetime cover for older pets and explain changes to cover, excess and even age limits on certain types of policies. Before you buy, be sure to compare prices to find a good deal. You can start with our pet insurance partner Compare Cover.
Changes in Insurance for Dogs Aged 9 or 10
When insuring an older pet, you'll notice the following differences compared to policies for younger pets:
- Excess: Usually the excess increases for older pets through the addition of a variable excess/copay of 10% or 20% (payable after the fixed £ excess)
- Death Due to Illness Cover: Understandably, as pets age they are no longer covered for death due to illness, where applicable
- Age Limits on New Lifetime Policies: A number of pet insurers won't sell Lifetime cover to pets once they reach a certain age. (Insurers that do sell new Lifetime cover to older pets are likely to charge quite higher rates.)
Age Limits, Euthanasia and Cremation/Burial Cover
Once a pet reaches 8, 9 or 10 years old, it's not uncommon to see a change in excess, Death Due to Illness or restrictions on new Lifetime policies. Below is a comparison of pet insurance features for older pets. Some breeds are treated differently with policy restrictions coming in at even younger age limits (e.g., 5 years old).
Insurance for Older Pets: Age Limits on New Policies and Death Due to Illness
Excess for Older Pets Around 9 Years Old
In most cases your insurance company will increase the excess once your dog reaches a certain age. Typically, this age limit is around 9 years old and involves the addition of a 10% or 20% excess, as you can see in the following table.
Changes to Excess for Older Dogs
|Insurer||Excess/Copay Changes at Age …||Excess for Older Pets||Has Excess Changed for Older Pets?|
|Animal Friends||8||£99 + 20%||yes - addition of 20% copay|
|Direct Line||10 years 11 months||£95 or £190||NO CHANGE|
|John Lewis||9||Greater of the fixed £ excess and 20% of the treatment costs||yes - greater of fixed £ excess and 20% of treatment costs|
|LV=||8||Fixed excess (£100 or £75) + 20% copay||yes - addition of 20% copay|
|More Than||9||£150||yes - fixed excess increases from £75 to £150 per condition|
|PetPlan||8||£85 (accident only) or £120 + 20%||yes - addition of 20% copay|
|Tesco||9||£60 or £200||NO CHANGE|
|Asda||5||£85 + 10%||yes - addition of 10% copay|
|pet-insurance.co.uk||no change||£145 (Lifetime)||NO CHANGE|
|Argos||no change||no change||No|
Some insurers don't increase the excess for older pets. However, be aware that an insurer that doesn't raise the excess may instead raise the premium to compensate for higher expected claims as pets pass 8 to 10 years of age.
|Which Insurers Don't Increase Excess for Older Dogs?|
Euthanasia, cremation and/or burial
To prevent them suffering, your vet may recommend that your older, ill dog be put to sleep. Here is a comparison of cover across a variety of UK pet insurers.
Euthanasia, Cremation and Burial Cover for Older Pets
|Insurer||Euthanasia Cover||Cremation/Burial Cover|
|Direct Line||Up to £100 (Advanced Plans Only)||n/a|
|John Lewis||Yes up to £100||Yes up to £100|
|More Than||Optional Farewell cover up to £150 for euthanasia, cremation, burial|
|PDSA||Yes up to £100||n/a|
|Tesco||With Standard, Extra and Premier plans, cover up to £200 for putting to sleep and cremation or burial|
|Asda||Yes up to £100||n/a|
|Pet Protect||Up to £50||n/a|
|Agria||Yes||Yes up to £150|
|Argos||Yes||Yes up to £100|
Hopefully, this information can guide you towards choosing the best pet insurance for your older pet. We have done our best to present accurate information here, but please check details with the insurer before buying a pet insurance policy.
Prices tend to rise for older pets. If you're very price sensitive, there are some decent, cheap Lifetime pet insurance options available in the UK that you may find suitable—even for older pets.