Is Pet Insurance Worth It for Older Pets?

Pet insurance can be worthwhile for older pets—but only if the premium cost and exclusions still provide meaningful financial protection.
Source: BestPetPlanGuide.com

As pets age, vet bills increase—especially for chronic conditions like arthritis, cancer, and organ failure. However, older pets also face:
•    Higher monthly premiums
•    More restrictive underwriting
•    Pre-existing condition exclusions

 

If your senior pet is relatively healthy and you're concerned about future emergencies, insurance may still help offset expensive treatments. But for pets with multiple known issues, self-insuring (saving in a dedicated fund) could be more practical.