Which Pet Insurance Companies Have No Upper Age Limit?

Surprising answer: Most pet insurance providers cap enrollment at age 14, but a few stand out with no upper age limit, giving senior pet parents more options.

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• ASPCA and Spot: No maximum age for enrollment. Pets 15+ are eligible, but premiums are higher and wellness may not be included.

• Figo: No upper age limit, but pets 8+ may face reduced customization or higher deductibles.

• Embrace and Healthy Paws: Enrollment cutoff at 14 years old.

 

Takeaway: Only a few insurers truly support late-life enrollments. If your dog or cat is 13+, your best options are likely ASPCA, Spot, or Figo.