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6 Best Pet Insurance For Older Dogs

Jodie Price

By Jodie Price | Updated September 15, 2025

Finding the right pet insurance for an older dog means balancing cost, coverage, and your pet’s unique needs. Top providers offer plans covering accidents, illnesses, and sometimes chronic conditions, while others add wellness or hereditary coverage options. Comparing pricing, limits, and claim processes from trusted companies helps ensure your senior dog gets quality care without unnecessary financial strain.

  • Pets Best

    Pets Best, ranked as the “Best Overall” option, offers maximum annual coverage of either $5,000 or unlimited benefits. Deductible choices range from $50 to $500, allowing flexibility to match your budget. The average monthly cost for senior dog insurance is $66, making it a competitive choice for comprehensive coverage.

    Our Expert Take

    The Pets Best Essential plan ranks as the top policy for older dogs, offering below-average prices combined with solid benefits and a variety of deductible options. It offers direct payment to your vet, an optional wellness plan, and 24/7 access to a pet telehealth service. Coverage also extends to behavioral therapy and dental illnesses.

    If you are a CareCredit cardholder, you can use your card to pay vet bills, and Pets Best will reimburse approved claims directly to your CareCredit account. The Essential plan is the standard option, while the Pets Best Plus and Elite plans provide more extensive coverage for a higher price.

    Customer feedback shows high satisfaction, with many saying they would recommend Pets Best to friends or family. Among those who filed claims, customers were generally somewhat satisfied with the claims process.

    Pros & Cons

    Pros:

    • No maximum age limit for new policies
    • Multiple reimbursement rate options (often 70%, 80%, or 90%)
    • Multi-pet discount available
    • Covers vet exam fees for covered conditions
    • Option to add wellness coverage for routine care

    Cons:

    • Waiting periods apply for accidents, illnesses, and some orthopedic issues
    • Euthanasia and end-of-life expenses may require specific plan selection
    • Pre-existing conditions are not covered
    • Some claims may require additional documentation, which can slow processing

    Plan Details

    Coverage type Plan Details
    Upper Age Limit to Buy New Policy No maximum age limit
    Reimbursement Choices 70%, 80%, 90%
    Waiting Periods 3 days (accidents), 14 days (illnesses), 6 months (cruciate ligament issues)
    Euthanasia/End-of-Life Expenses Covered under certain plans
    Multi-pet Discount Yes, up to 5%
    Vet Exam Fees Covered for eligible conditions
    Microchipping Covered under wellness add-on

  • Embrace

    Embrace, named “Best for Healthy Pet Discount,” offers maximum annual coverage options from $5,000 up to unlimited benefits. Deductibles range from $100 to $1,000, giving pet owners flexibility in cost management. Senior dog insurance typically costs about $100 per month, offering customizable coverage and possible discounts.

    Our Expert Take

    Embrace pet insurance stands out for senior dogs thanks to its Healthy Pet Discount Program. If your claim reimbursements are under $300 per pet in the year before the discount period, you’ll get a 5% discount for the first year and a 10% discount for the second year for each insured pet. These savings are automatically applied to your annual payment or monthly bill.

    The plan offers access to a 24/7 pet telehealth line and the option to add a wellness plan. Coverage includes dental illnesses, behavioral therapy, and alternative treatments such as chiropractic care, hydrotherapy, and acupuncture.

    Customer surveys show high satisfaction with their purchase, and many say they would recommend Embrace to friends or family. However, claim-filing customers reported dissatisfaction with the overall claims process, giving it the lowest rating among pet insurers surveyed.

    Pros & Cons

    Pros:

    • Covers curable pre-existing conditions after waiting period
    • Flexible reimbursement choices (often 70%, 80%, or 90%)
    • Optional wellness plan for preventive care
    • Includes alternative therapies in standard accident and illness coverage
    • Claims process generally rated as clear and predictable

    Cons:

    • Higher average monthly cost compared to some providers
    • Does not cover chronic pre-existing conditions
    • Waiting periods apply before coverage begins
    • Limited coverage for routine care unless you add wellness plan
    • Some limits on dental illness coverage

    Plan Details

    Coverage type Plan Details
    Upper Age Limit to Buy New Policy 14 years for illness coverage (no age limit for accident-only)
    Reimbursement Choices 70%, 80%, 90%
    Waiting Periods 2 days for accidents, 14 days for illnesses, 6 months for orthopedic conditions (can be reduced with exam)
    Euthanasia / End-of-Life Expenses Covered if related to a covered condition
    Multipet Discount 10% discount for each additional pet
    Vet Exam Fees Covered for covered conditions
    Microchipping Included under wellness plan only

  • Spot

    Spot, recognized as “Best for Breadth of Coverage,” offers maximum annual coverage options ranging from $2,500 to unlimited. Deductible choices include $100, $250, $500, $750, and $1,000, allowing for tailored cost control. The average monthly cost for senior dog insurance is $128, providing broad and flexible protection for pets.

    Our Expert Take

    Spot pet insurance offers the most comprehensive coverage for senior dogs, including alternative therapies, dental issues, vet exam fees, prescription food, supplements, stem cell therapy, and end-of-life costs. This wide range of benefits makes it a versatile choice for pet owners seeking comprehensive care options.

    The company offers two optional wellness plans for routine expenses such as annual check-ups, dental cleanings, and vaccinations. With a strong selection of coverage and deductible options, plus no upper age limit for purchasing a policy, Spot offers flexibility to meet different needs and budgets.

    Customer feedback is very positive, with many expressing high satisfaction with their purchase and a willingness to recommend Spot to others. Those who have filed claims also express high satisfaction with the overall claims process, reinforcing its reputation for reliability.

    Pros & Cons

    Pros:

    • Covers many accident and illness veterinary expenses, including chronic conditions after the waiting period
    • No upper age limit for enrolling a dog in coverage
    • Multiple reimbursement rate options (70%, 80%, 90%)
    • Option to add preventive care coverage for routine visits
    • 24/7 telehealth helpline included

    Cons:

    • Monthly premiums can be higher for older dogs
    • Waiting periods apply before coverage starts (including longer orthopedic wait in some states)
    • Pre-existing conditions are not covered
    • Reimbursement times may vary and can be slower for some claims
    • Preventive care add-ons increase the monthly cost

    Plan Details

    Coverage type Plan Details
    Upper Age Limit to Buy New Policy No maximum age limit
    Reimbursement Choices 70%, 80%, 90%
    Waiting Periods 14 days for accidents and illnesses (orthopedic wait may be longer)
    Euthanasia / End-of-Life Expenses Covered if related to a covered condition
    Multipet Discount 10% discount for additional pets
    Vet Exam Fees Covered for eligible visits
    Microchipping Covered under preventive care add-on

  • Healthy Paws

    Healthy Paws, recognized as “Best for Alternative Therapy,” offers unlimited maximum annual coverage. Deductible choices include $250, $500, $750, and $1,000, giving pet owners flexibility in managing costs. The average monthly cost for senior dog insurance is $74, making it an affordable option for comprehensive care.

    Our Expert Take

    Healthy Paws stands out in senior dog insurance for its extensive alternative therapy coverage, offering treatments like acupuncture, chiropractic care, physical therapy, laser therapy, massage therapy, and hydrotherapy—benefits not commonly found with all pet insurers. This makes it a strong option for owners seeking holistic and non-traditional treatment choices for their pets.

    While its prices for senior dogs are well below average, Healthy Paws has limitations. Deductible and reimbursement options are determined by your pet’s age and other factors, and the company does not disclose its exact deductible schedule. There is a 12-month waiting period for hip dysplasia coverage, and treatment is not covered if your pet is six years or older when you buy the policy.

    Customer feedback is overwhelmingly positive, with many reporting extreme satisfaction with their purchase and a high likelihood of recommending Healthy Paws to others. Those who have made claims also express strong satisfaction with the claims process, reinforcing the company’s reliability and service quality.

    Pros & Cons

    Pros:

    • Covers hereditary and chronic conditions without annual or lifetime payout caps
    • Fast claim processing and direct deposit reimbursement available
    • Simple plan avoids confusion over multiple tiers
    • Works with any licensed veterinarian in the U.S.

    Cons:

    • No wellness or preventive care coverage
    • Premiums increase as your dog ages
    • No multipet discount offered
    • Upper age limit for new enrollment may exclude some senior dogs
    • Waiting periods apply for certain conditions like hip dysplasia

    Plan Details

    Coverage type Plan Details
    Upper Age Limit to Buy New Policy 14 years for new enrollment
    Reimbursement Choices 70%, 80%, or 90%
    Waiting Periods 15 days for accidents/illnesses; 12 months for hip dysplasia
    Euthanasia / End-of-Life Expenses Covered if related to a covered condition
    Multipet Discount Not offered
    Vet Exam Fees Covered
    Microchipping Not covered

  • Lemonade

    Lemonade, labeled as “Best for Discounts,” offers maximum annual coverage options of $5,000, $10,000, $20,000, $50,000, and $100,000. Deductible choices include $100, $250, $500, and $750, allowing flexibility in cost management. The average monthly cost for senior dog insurance is $69, making it a budget-friendly option with varied coverage levels.

    Our Expert Take

    Lemonade offers highly competitive pricing for senior dog insurance, paired with a variety of discount options. These include savings for insuring multiple pets, bundling with other Lemonade policies like home or auto, annual payment discounts, and special offers through animal shelters, humane societies, affinity groups, and employer partnerships.

    Although the low cost is attractive, senior dog owners should be aware that the base policy does not cover dental issues, behavioral therapy, physical therapy, vet exam fees, or 24/7 telehealth, which come at an extra cost. Many competitors offer these features in their standard plans, so consider if a lower premium is worth reduced coverage.

    Customer feedback for Lemonade is largely positive, with policyholders expressing high satisfaction with their purchase and a strong willingness to recommend the insurer to others. Those who have filed claims generally report satisfaction with the claims process, though coverage limitations remain a key consideration.

    Pros & Cons

    Pros:

    • Competitive monthly premiums compared to many competitors
    • Fast claims processing, often within days
    • Easy online and app-based policy management
    • Multiple reimbursement rate choices
    • Optional wellness add-ons for preventive care

    Cons:

    • No coverage for pre-existing conditions
    • Limited customization for annual coverage limits
    • Some treatments and alternative therapies not included
    • Upper age limit for new policies may restrict older dog enrollment
    • Waiting periods apply before coverage starts

    Plan Details

    Coverage type Plan Details
    Upper Age Limit to Buy New Policy Typically up to 14 years for dogs
    Reimbursement Choices 70%, 80%, or 90%
    Waiting Periods 2 days for accidents, 14 days for illnesses, 6 months for cruciate ligament injuries
    Euthanasia / End of Life Expenses Covered if related to a covered condition
    Multipet Discount 5% off for each additional pet
    Vet Exam Fees Included in accident and illness coverage
    Microchipping Covered under wellness add-ons
    Wellness Coverage Available as an add-on for preventive care such as vaccines and checkups

  • Figo

    Rated as “Best for Wellness Plan Options,” Figo offers maximum annual coverage choices of $5,000, $10,000, or unlimited, giving pet owners flexibility based on their needs. Deductible options include $100, $250, $500, or $750, allowing customization to fit different budgets. The average monthly cost for senior dog insurance is $112.

    Our Expert Take

    Figo stands out for offering six tiers of wellness plans, ranging from $7 to $38 per month, that cover routine vet care such as annual check-ups, vaccinations, and dental cleaning. Additional perks include access to a 24/7 pet telehealth line and no upper age limit for purchasing a policy.

    Customers can also enhance Figo’s base policy with optional “Powerups.” These upgrades can pay for vet exams, fund advertising and rewards for lost pets, cover boarding costs during owner hospitalization, provide $10,000 in liability protection for property damage, and reimburse up to $250 for cremation or burial expenses.

    According to customer feedback, policyholders are generally very satisfied with their purchase and are likely to recommend Figo to others. Those who have filed claims also report high satisfaction with the overall claims process, reinforcing Figo’s strong reputation among pet owners.

    Pros & Cons

    Pros

    • No upper age limit for new policies
    • Multiple reimbursement choices (70%, 80%, 90%, 100%)
    • Direct vet pay available to reduce upfront costs
    • Optional wellness coverage for routine care
    • Covers microchipping and some end-of-life expenses

    Cons

    • Premiums can be high for senior pets
    • Waiting periods apply before coverage starts
    • Accident-only plan offers limited protection
    • Some treatments may require pre-approval
    • No guaranteed multipet discount in all states

    Plan Details

    Coverage type Figo Plan Details
    Upper Age Limit to Buy None
    Reimbursement Choices 70%, 80%, 90%, 100%
    Waiting Periods 1 day (accidents), 14 days (illnesses), 6 months (orthopedic)
    Euthanasia / End-of-Life Expenses Covered if related to a covered condition
    Multipet Discount Available in some states
    Vet Exam Fees Covered with optional add-on
    Microchipping Covered
    Accident-Only Coverage Available at lower cost

Frequently Asked Questions

What factors should I consider when choosing pet insurance for an older dog?

Look at the monthly premium, annual coverage limit, and reimbursement rate. Check if the plan covers chronic illnesses common in senior dogs, such as arthritis or diabetes. Also, review the waiting periods, as some plans delay coverage for certain conditions.

How does the age of my dog affect the cost and coverage of pet insurance?

Pet insurance costs for senior dogs are usually higher because older pets have greater health risks. Some insurers reduce coverage options or increase deductibles for dogs over a certain age. You may also find fewer choices for comprehensive accident and illness plans.

What are the typical exclusions and limitations in pet insurance for older dogs?

Most plans exclude pre-existing conditions, including any illness or injury noted before the policy’s start date. Coverage for hereditary conditions may be limited, especially if symptoms appeared earlier in life. Some policies limit benefits for chronic illnesses in senior pets.

Can pre-existing conditions be covered for older dogs in any pet insurance plans?

In most cases, pre-existing conditions are not covered. Some providers cover curable conditions if your dog has been symptom-free for 6–12 months. Permanent or chronic issues like kidney disease are almost never eligible for new coverage.

How do customer reviews rate the claims process for top pet insurance providers for older dogs?

Reviews often highlight differences in claim speed and communication. Some providers process claims in under a week, while others take longer, especially for complex cases. Customers appreciate clear explanations for claim decisions and user-friendly online submission tools.