When your pup grows older, you may start to worry more about his/her health. That’s why “dog insurance over 8 years” is a popular search term on Google. Dog Ownership Guide is here to help you with the information you need for your older furry friend.
Dog Insurance for Dogs Over 8 Years Old
It is possible to purchase dog insurance for dogs over 8 years old. Pet insurance age limits are usually set at 14 years. The issue is pet insurance premiums increase the older your pup, which means pet owners or senior dogs often wonder if they should even get dog insurance over 8 years.
Should You Get Dog Insurance After 8 Years Old?
No matter what age, many pet owners wonder if dog insurance is worth it. If you’ve read many of the articles on Dog Ownership Guide, you’ll know that we recommend it – and it’s not only because we are affiliated with many of the best pet insurance providers in the nation. It’s because it can really save dog owners a lot of money.
How Pet Insurance Works for Older Dogs
When pet parents decide to enroll their older pets in a pet insurance policy, they are reimbursed for emergency care for injuries due to accidents or illnesses. They are also reimbursed for treatment costs due to a chronic condition – as long as they are not pre-existing conditions.
After meeting the deductible set when enrolling in a pet insurance policy, vet bills are covered, which could mean saving thousands of dollars.
The process is simple:
- Your pup needs emergency care or treatment for newly diagnosed health issues.
- You pay for the treatment.
- Reach out to your pet insurance company to submit a claim, which involves completing a form, submitting the vet bill(s), and medical records.
- Receive a check in the mail that covers the amount you paid minus your deductible.
It’s really as easy as that. With older dogs being susceptible to genetic-related conditions, such as hip dysplasia, pet insurance truly is a good idea.
Looking for insurance right now? Read: Dog Insurance with Immediate Cover
What Dog Health Insurance Doesn’t Cover
Before jumping into a pet insurance plan, it’s important to know what dog health insurance doesn’t cover.
Even the best pet insurance companies don’t cover pre-existing conditions, so don’t be surprised when your dog’s treatment of previously diagnosed medical conditions isn’t paid for by your pet insurance company.
Routine care such as wellness checks and vaccinations is not paid for by pet insurers. Some pet insurance companies do have wellness programs that can be added to pet insurance plans. They are usually rewarded or discount programs that decrease the amount you pay.
Diagnosed Conditions or Injuries Within the Waiting Period
Pet insurance companies have a waiting period after enrolling in a pet health insurance policy. The industry standard is 14 days for illnesses and about a few days for injuries related to accidents (PetFirst has the shortest waiting period of midnight for injuries).
Pet insurance doesn’t cover the costs of prescription medications. Sometimes, wellness plans provide a discount on medications.
How to Save Monday on Dog Insurance for Old Pets
One of the reasons pet parents don’t have a pet insurance plan for their older pets is due to the monthly premium costs. Most assume they are expensive, but in reality, they are cheaper than the amount you spend on coffee each month. Dog insurance costs on average $30 to $50 a month.
To save money on pet health insurance, be sure to ask for the following discounts.
Most pet insurance providers will offer a discount for enrolling multiple pets into a policy. The more pets you have the more discounts you receive.
Pet parents who work in the veterinarian industry may be able to get a discount.
Employers can elect to offer pet insurance to their employees at a discount. Ask your employer if it would be possible for them to enroll in an employer program to get a discount.
Military discounts are available for many pet insurance plans. The discount is usually about 10% off.
Accident-Only Policies or Illness Coverage
Some pet parents decide to only get injury or illness coverage, which can significantly decrease the monthly premiums.
How to Choose the Best Pet Insurance for Seniors Dogs
When reviewing quotes for pet insurance coverage, be sure to look at the following:
- Annual Limits
- Annual Deductibles
- Monthly Premiums
- Wellness Plan Options
Your monthly premiums are affected by the annual limits and annual deductibles included in your policy. The annual limit is how much the pet insurer will pay in a year to cover your senior dog’s veterinarian care.
The annual deductible is how much you have to pay before the pet insurance provider will cover the rest.
The higher the annual limit and annual deductible, the lower your monthly premium.
The lower your annual limit and annual deductible, the higher your monthly premium.
The trick is to find a policy that gives you a monthly premium that’s in your budget AND provides the annual limit and annual deductible that works for you and your senior pet.
It’s also important to review and understand your coverage options. You don’t want to enroll in a plan that has strict coverage limits. When it comes to pet insurance costs, the cheapest dog insurance isn’t always the best insurance.
Get a Quote for Dog Insurance
You have many options when it comes to pet insurance coverage. Dog Ownership Guide works with a few pet insurance providers. Click on one of the images below to request a quote for your older dog.
Dog insurance for dogs over 8 years old is available. Do your due diligence and request quotes before deciding on the best pet insurance for you and your pup.