Can Older Pets Get Insurance?

Yes, older pets can get insurance—but with some limitations. Source: BestPetPlanGuide.com

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Most insurers accept senior pets, but premiums are higher and exclusions are stricter. Pre-existing conditions are almost always excluded. Some companies set age cutoffs (e.g., enrollment stops at 10–14 years), while others specialize in senior coverage with accident-only plans or limited illness coverage.

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Even with higher costs, insurance can still help with expensive emergencies like fractures or sudden illnesses. For older pets prone to issues, insurance can make tough treatment decisions easier.

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It's crucial to compare plans carefully, understand exclusions, and consider whether monthly premiums make sense for your pet's health and your budget.