As dogs get older, it's more likely they'll need vet treatment. As a result, many pet insurance companies won’t insure dogs aged over 7 or 8 years and if they do the premiums can be expensive.
We've found the companies that offer affordable insurance for older dogs. Including our policies that can cover pets of any age.
Pet insurance for older dogs
Compare some of the best pet insurance for older dogs:
- Bought By Many
- Lifetime Pet Cover
- MORE TH>N
- John Lewis Pet Insurance
- Animal Friends
- Debenhams Pet Insurance
- Argos Pet Insurance
If you have dogs where age is less of a factor check out list of the best pet insurance companies for all dogs.
We've also listed some of the cheapest pet insurance policies to help you compare cheap pet insurance quotes for dogs.
Learn more about what to expect from a cheaper pet insurance policy.
Bought By Many pet insurance for older dogs
We've designed comprehensive policies where owners with dogs aged over 9 pay 20% of the claim on top of a £69 excess to keep monthly premiums down.
This is the same for all our policies, and we're proud to have one of the lowest pet insurance excesses.
Most of our policies are open to dogs of any age and we're the only company that covers pre-existing conditions (as long as your pet hasn't received treatment or advice for them in the three months before the policy starts).
Our Complete Lifetime cover offers £15,000 of vet fee cover a year and includes dental for accident and necessary treatment as standard.
Our MoneyBack Lifetime policy will cover £7,000 of vet fees a year, and will pay back 20% of your premium each year you do not need to claim.
We used more than 40,000 comments from pet owners to create pet insurance for older pets that solves the problems people had with other policies.
Here's what Alan, one of our customers, says about our Complete cover: "This policy is excellent for older dogs particularly if you want to move insurance providers and upgrade to lifetime. £15,000 a year cover with full dental is also very comprehensive. I am delighted with my dog's policy."
Read his full 5-star review here.
Lifetime Pet Cover
As their name suggests, Lifetime Pet Cover only offer lifetime pet insurance policies (the type of pet insurance policy which continues to pay out for ongoing medical conditions). Dental cover is included.
Lifetime (or ‘yearly limit’) insurance covers vet fees up to the stated limit every year. This can be a good option if you worry about your pet developing a long-term or recurring illness. So long as you renew a lifetime policy each year, the level of vet fees will reset to the full stated limits that you started with.
With a lifetime product, it is important to note that your premiums will increase each year at renewal. This is different to a per condition policy, where a particular condition can become excluded once the condition limit is reached.
Lifetime offers five levels of vet fee cover starting from £2,000 up to £10,000.
Prices for £4,000 of vet bills cover for a 10-year old dog start from £21.36 per month.
This is based on buying pet insurance for a 10 year old Border Terrier, in an MK postcode.
As with all UK pet insurance policies for elderly dogs, owners need to contribute to the costs of any claim. For dogs between 7 and 12 years old, owners will have to pay 20% of the claims settlement and for dogs over 12, they will pay 25% of the claims settlement, after the excess.
Get a quote from Lifetime pet cover
Older dogs with More Than pet insurance
One of the UK’s best-known pet insurance companies, More Than, insures dogs up to any age, and offers a range of pet insurance policies to choose from. We got quotes for a 9-year-old dog living in West London.
Prices from More Than start under £10 a month. This is on their Accident Only policy, with £2,500 of vet bills cover for accidents. Their Basic policy, which covers accidents and illnesses, is around £19 a month and comes with £1,500 for vet fees.
You can get a quote at the More Than website.
At the other end of the spectrum, their comprehensive lifetime pet insurance policy, Premier, offering £12,000 of vet bills cover, costs about £45 a month for the same dog.
More Than Premier is one of the best dog insurance policies in the UK according to independent research by independent financial service review companies.
If you purchase the company's pet insurance for a 9-year-old dog, you'll have to contribute 20% of the cost of any claim (in addition to the £100 policy excess).
Top tip: Get 32.5% off More Than pet insurance when you join our Pet Insurance group.
John Lewis Finance Pet Insurance for elderly dogs
Another highly-rated pet insurance company with options for dogs aged over 7 is John Lewis Finance Pet Insurance.
Like More Than, John Lewis Finance pet insurance is underwritten by RSA, one of the world's largest insurance companies.
However, as John Lewis Finance only offers lifetime pet insurance policies (the type which continues to provide cover for medical conditions year after year), their prices for older dogs are more expensive than More Than's.
Insuring a 10-year-old dog with John Lewis Finance on their Essential cover costs around £38 per month; while its 5-star Premier cover would cost about £72 per month.
Top tip: the excess on John Lewis Finance pet insurance increases for dogs aged over 9, and owners have to pay the first 20% of any claim, or the £500 excess option, whichever is more expensive.
Animal Friends pet insurance for older dogs
Animal Friends is a specialist pet insurance company that also supports animal welfare charities. It offers insurance for dogs aged over 8 through a “co-payment” system.
When you make a pet insurance claim for your dog, you pay both the policy excess (usually £99) and 35% of however much is left over.
We were quoted around £13 a month for a 10-year-old dog based in West London on Animal Friends’ lifetime Super policy.
Top tip: Animal Friends co-payment does make the cost of pet insurance for older dogs cheaper, but you need to bear in mind you’ll need to pay 35% of the costs of vet treatment, plus the policy excess, when you make a claim for your dog.
E&L has a new trick for old dog insurance
Niche insurance specialists E&L (short for "The Equine & Livestock Insurance Company") also offer pet insurance for dogs aged over 8 years old, on a specific senior dog insurance policy. Prices start from around £18 per lunar month and include a year's free National Pet Register membership.
You can get a quote at the E&L website.
Top tip: With E&L, owners are required to pay the first 35% of any claim they make for a senior dog.
The best of the rest pet insurance providers for older dogs
It’s also possible to get pet insurance for an older dog with Debenhams, and Argos Pet Insurance – but prices are all more than £30 a month. This means their pet insurance for an 11 or 12-year-old dog would be substantially more expensive than for a younger dog.
Debenhams won't offer new quotes to dogs aged 9 or over.
Other things to consider when insuring older dogs
Pet insurance policies don't pay out for older dogs if they die due to illness or injury. So if you have pet insurance for a dog aged 11 that passes away, you won't be able to claim for its death.
Not all companies provide comprehensive dental cover with their pet insurance policies, which can become more of a consideration as dogs enter their senior years.
Why is it hard to find cheap pet insurance for older dogs?
As dogs get older, insurance premiums go up because pets are more likely to suffer from medical conditions and injuries.
It's a cause of frustration for many senior dog owners that the cost of insurance increases at every renewal.
Many people feel pet insurance companies are trying to take advantage of them - especially if they have already claimed on their insurance, and will, therefore, find it difficult to switch to another pet insurer.
However, in fairness to the pet insurance companies, the increase in costs for senior dogs does boil down to the statistics, which show that the probability of making a claim for vet treatment increases exponentially each year of a dog's life from age 2 onward.
This means if you have insurance for a 12 or 13-year-old dog, you're more likely to claim than if you have a younger dog.
Find out more about what dog insurance costs.
Compare the top 10 cheap pet insurance for dogs
If your dog is younger and you are simply looking for cheap pet insurance for dogs, we have ranked and reviewed the top 10 best cheap dog insurance policies to help you compare cheap pet insurance for dogs.
Be mindful that cheaper policies will often come with smaller limits of cover and might, therefore, fail to protect you when you need it most. If your dog gets ill and vet bills exceed the often low vet fee limits of most cheaper pet insurance policies, you might end up having to pay out of pocket.
If, on the other hand, you are after the most comprehensive cover available, we've ranked and reviewed the best pet insurance policies for dogs based on the comprehensiveness of their cover and on how they were rated by independent financial firms and customers.
Bought By Many offers the most comprehensive pet insurance cover on the market - Complete. Complete comes with £15,000 for vet fees, £6,000 for death, theft and loss, £2,500 for travelling abroad with your pets and dental is included as standard.
Your views about getting cheap insurance for older dogs
Have you found cheap pet insurance quotes for an older dog from other companies? Do you have a strong opinion on which company offers the best pet insurance for older dogs?
Get in touch on our Facebook page to let us know.
 All quotes were obtained in October 2018 and are based on buying pet insurance for a 10-year-old Border Terrier, in an MK postcode.
If you're looking for cheap pet insurance for cats, have a look at our cheap pet insurance for cats, where we've ranked the best cheap policies and have provided some cheap pet insurance quotes for cats.