Here are the best pet insurance companies for older dogs to help make the costs more manageable

Having a senior dog may be a particularly gratifying experience. However, it is not always possible to assist your pet age gracefully.

With an older dog, the costs may quickly pile up. The American Kennel Club recommends that older dogs visit the vet every six months for a wellness check, as opposed to every year or two for younger adult dogs. Special diets or medications in their latter years might be pricey. Adaptive equipment at home, like as ramps or steps, might also assist enhance your older dog’s quality of life, but they are more expensive.


Pet insurance costs often reflect these realities as well. According to MarketWatch and statistics, the average cost of insuring a mixed, medium-breed dog at one year old is roughly $29 per month, whereas the same dog at ten years old would cost an average of $77 per month.

Not all businesses provide the same level of coverage for the same price. Get a few estimates and compare them to find the best pet insurance for your elderly dog. CNBC Select has selected some of the finest pet insurance providers for senior dogs based on maximum age limitations, prices, and customer satisfaction to assist you in getting started. (For more information on how we select the top pet insurance carriers, see our methodology.)

  • The best pet insurance for senior dogs
  • Pets are the best overall. Pet Insurance at its Finest
  • Metlife Pet Insurance came in second.
  • Best for health:Spot Insurance for Pets
  • Embrace Pet Insurance is the best option for limitless coverage.
  • The best overall

In addition to wellness coverage, Pets Best has some of the most cheap rates for our model elderly dog and provides accident and sickness and accident only plans. Most exam expenses are paid, and there is no upper age restriction for registration at Pets Best. There is also a 5% discount for customers who have numerous pets.



Metlife Pet Insurance products are good for older pets and had a lower sample premium than the others we looked at. In addition to exam fee coverage, this pet insurer provides chronic care coverage with no lifetime or per-incident restrictions. A variety of discounts are available to help reduce expenses even further, and the availability of family plans allows pet parents to manage all of their pets under one policy.


Best for health and wellness coverage

Spot Pet Insurance has no age restriction for enrollment, and both its accident and sickness and accident-only insurance cover exam expenses. The firm received the highest customer satisfaction rating from the Better Business Bureau, receiving an average of 3.82 out of 5 stars. Spot accident and sickness plans include microchipping, prescription drugs, and alternative therapies in addition to emergency hospitalization, X-rays, and skin, ear, and eye infections.

  • Is it possible to acquire pet insurance for an elderly dog?
  • Is pet insurance worthwhile for an elderly dog?
  • When is it too late to get pet insurance?
  • Is it possible to acquire pet insurance for an elderly dog?

It is feasible to obtain pet insurance for an elderly dog. While some pet insurance providers have upper age limitations (usually 14 years old), others do not.

Is pet insurance worthwhile for an elderly dog?

Pet insurance for a senior dog might be beneficial, especially if your dog incurs any unexpected costs. It’s important to note that pet insurance for a senior dog will be more expensive than for a younger adult dog. Furthermore, pet insurance normally does not cover any pre-existing diseases that may have already surfaced in your senior dog’s latter years. However, depending on the sort of insurance you buy, it may assist to address future ailments such as accidents and diseases.

When is it too late to get pet insurance?

Some businesses only insure pets under the age of 14. Other pet insurance providers do not have an age limit for enrollment. However, you should think about the cost of coverage as well as what a policy covers. Get many estimates and compare them to determine whether it makes sense to insure an older pet. Setting money away in a savings account for your pet’s bills might be a good alternative for senior pet owners.

In conclusion

Insuring an older dog is more difficult than insuring a puppy or an adult dog. Consider firms that do not have upper age limitations for your older dog, as well as the sorts of plans offered, reimbursement rates, deductibles, and maximum yearly coverage limits. The sooner you enroll your senior dog in coverage, the better, because prior conditions are less likely to be excluded.

Our procedure

CNBC Select investigated and compared hundreds of pet insurance providers that cover elderly dogs to discover the top pet insurance companies.

We focused on a sample premium for an example pet while filtering down the best pet insurance companies. The sample premium data was based on a dog named:

9-year-old Beagle mix weighing 25 pounds, living in zip code 10017

We gathered information for these example policies with the following characteristics (or as near to them as possible):

The yearly maximum is $5,000.
80% reimbursement rate with a $500 deductible

We also gathered information on the maximum age for new coverage, the types of policies offered, whether the plan covers veterinarian exam expenses, and deductibles, reimbursement rates, and maximum annual coverage limitations. We took into account the quantity of available discounts, any applicable waiting periods, and BBB ratings.

Following that, we ranked our suggestions based on the best overall and runner-up, best for wellbeing, and best for limitless yearly coverage.