Pet Insurance for Older Dogs

Join other UK Older dogs owners to demand a fairer deal from pet insurance companies

About this group

Dogs might retain the mischievous nature of a puppy or still want to chase a stick but as they get older the chances of developing health problems increases.

While their owners see them as forever young at heart, dogs’ eyesight, joint mobility and skin health may deteriorate with age.

The good news is veterinary science is becoming more advanced and more sophisticated – helping our canine companions to live long, healthy and active lives.

We believe dogs of all ages deserve fairer pet insurance but it can be particularly tricky to find for animals of a certain age. That is why we’ve negotiated a 10% discount with Lifetime Pet Cover for members of this group. You can join the group for free to unlock the deal.

It’s usually the case that the older a dog gets the more frequently they’ll need to be seen by the vet. So having the right insurance is essential – it helps you take care of the costs, and puts your mind at rest.

By joining our group you use the collective buying power you share with other owners of older dogs to get a better deal on insurance for your senior buddy.

Learn more

Find out more about insurance with our guide to the best pet insurance for dogs.

Dan Woolley By Dan Woolley

Community questions and answers

More Th>n insurance terms for Basic quote

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  • avatar for NikkiNikki 3 months ago

    I've been told (via online chat) that unless I use a vet on their referral network, I will have to pay £200 in addition to the £150 policy excess. This is irrespective of whether or not I phone their 0330 100 6445 telephone number before going to a vet. There are no vets listed in my town, Newbury, which is a sizeable town. So I have the choice of travelling around 100 mile round trip or paying £200 (+£150 which I'd pay anyway). This is not the wording on their referral network page ("if for any reason you wish to use a vet that isn't on our Network please contact us on 0330 100 6445 otherwise you will need to pay £200 of the referral vet bill yourself. This amount is in addition to your policy excess") but is apparently how they operate their policies. Anyone? It doesn't feel worth considering a policy where I need to pay £350 per treatment in addition to a £250 annual premium.

  • avatar for HeidiHeidi (Bought By Many staff) 3 months ago

    Hi there Nikki. Thanks for getting in touch. That is not my understanding of the matter, I believed if you called the number they had the option to refer you elsewhere. I will get this double checked and come back to you though. (Although that will now be tomorrow) Could you drop me an email to so I have a note of your email address to come back to you please? Thank you and kind regards Heidi

  • avatar for PatPat 4 months, 2 weeks ago

    Toinsuremy 8yroldcat

  • avatar for PatPat 4 months, 2 weeks ago

  • avatar for NickNick (Bought By Many staff) 4 months, 2 weeks ago

    Hey Pat, we have a group to help you get insurance for your cat - You can also read more about insurance for cats here - Nick

Border collie 12years old

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  • avatar for AnneAnne 4 months, 2 weeks ago

    What would it cost to insure him He is no problems

Two x GSD Third Party only cover

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  • avatar for VirginiaVirginia 6 months ago

    I have two German Sheperd Female dogs both rescue so no value on purchase. Both neutered and mirco chipped the are currently insured for 2k vet fees accident only and TPI for 500K each. No claims history on either of them, family and child pets, secured garden etc., One is approx. 9 the other is 4 going on 5 years old. Is it possible to get a quote for accident and TPI only? Based in Ireland and living in Countryside.

Marks & Spencer price rise

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  • avatar for SimonSimon 6 months, 2 weeks ago

    Just had the annual renewal for insurance for our 10yr old Golden Retriever. The premium has gone up from £130 a month to £217 a month. However, M&S are unable to give me any breakdown of or justification for such a dramatic increase in price. Our dog did have an operation last year with some tumors removed, but even so the premium increase seems excessive. Please, can anyone recommend another more reasonably priced company to switch to that would take us given the history of surgery last year?

  • avatar for BreanBrean (Bought By Many staff) 6 months, 2 weeks ago

    Hi there Simon, thanks for getting in touch.I'm terribly sorry to hear about your dog and hope that the recovery continues to go well. Due to the nature of policies at the moment, insurers do not provide cover for pets who have had any treatment or symptoms in the last 24 months. We are continuing to work towards improving insurance prospects for pet owners in these circumstances. We have recently published a guide for owners of pets with pre-existing conditions which may be of help ( I hope this helps and if you need any more information please let us know.

Zara my GSD

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  • avatar for CaroleCarole 1 year ago

    Hi my GSD is just 9 years old. In good health and I have only claimed once when I found out she's allergic to grain, that's the only treatment she had I now take care of that so no more problems. I went to re-new my insurance and they suddenly put the price up sky high!! Just because she's older??? I was wondering whether you can ring me on 07515509997 to give me a more realistic quote? Thank you Carole Willis

12 half yr old wesie

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  • avatar for TrishaTrisha 1 year ago

    Kane has arthritus . I get his medicastion online with vets perscription. For his age he is amazing. Kanes ongoing for years is ear infection . Used to that now. Get his ear drop . I would not want to claim at all for them 2 sysems. I want insurance for serious problems that might be in his years to come. Hope there isant any at all. But would like cover and when the time does come i would like also to included to put my baby to sleep. ( got tears running down my face just saying this) can you give me a quote still or not please ..

  • avatar for TrishaTrisha 1 year ago

    Sorry not checked before send. Westie my dog!!

Very impressed

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  • avatar for BarbaraBarbara 1 year, 2 months ago

    Wow. I've just insured my old girl for less than £50 per Month. Other quotes were over £100 per month. Happy days

Pre-Exisiting Conditions with Lifetime Pet Cover - 11 year old Staffordshire Bull Terrier

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  • avatar for KairenKairen 1 year, 3 months ago

    The quote I got from Lifetime Pet Cover, is higher than my current insurer Animal Friends. What has interested me about the Lifetime Pet Cover T&C's is that they state: However a condition will cease to be a pre-existing condition if a) there have been no symptoms or clinical signs of the condition; and b) You have not consulted any vet with respect to the Condition; and c) Your pet has not received any treatment for or in connection with the condition for a continuous period of 24 calendar months. If your pet has a chronic condition, cover will not be provided by this policy. Staffordshire Bull Terriers are one of many breeds that seem to be prone to Mast Cell Tumours and the wording above, seems to be indicating that if my boy doesn't have any symptoms/clinical signs or has received treatment for a mast cell tumour in 24 months, he would be covered. I am curious to know if anyone is with Lifetime Pet Cover and had come across any issues when claiming?

  • avatar for HeidiHeidi (Bought By Many staff) 1 year, 3 months ago

    Good morning Kairen, thank you for getting in touch. You have correctly understood the terms and conditions. Has your Staffie had this condition in the past? They take the view that providing your dog has been treatment/symptom free for 24 months, the condition is no longer considered pre existing, however, if your dog is taking medication or has received treatment for the condition, then it WILL be considered pre existing and will NOT be covered by the insurance. We have written a review on Lifetime Pet Cover (we review all insurers thoroughly before working with them) - - I hope that information helps. Please let me know if I can be of further assistance. Kind regards, Heidi

  • avatar for KairenKairen 1 year, 3 months ago

    Hi Heidi, My boy has had Mast Cell Tumour removed from his stomach early this year(2015)and we had our claim refused by Animal Friends as they deemed it a pre-existing condition - My boy had one removed from his leg back in 2008 when we rescued him and had been 6-7 years with no symptoms, treatment, medication. My vet was extremely surprised by this and tried his best to assist with our claim, but we heard nothing. Anyway....what I want to ensure is that...if for any reason another one appears during the last years of his life, we can (if we decide to) get it removed and treated. I haven't seen any other companies with T&C's like Lifetime Pet Cover and it sounds to good to be true. I just want to give my boy the best chance of life in his senior years. I am wondering if it would be best to get confirmation in writing of how the process would work if this were to occur.

  • avatar for KairenKairen 1 year, 3 months ago

    Sorry, just to add. The recent lump was removed and sent for analyses, but no further treatment or medication has been required.

  • avatar for HeidiHeidi (Bought By Many staff) 1 year, 3 months ago

    Thanks Kairen. So they would class it as pre existing as there has been one within the last 2 years, but if he gets through to early 2017 without further treatment then they would no longer class it as a pre existing condition. To reassure you, we also work with Vets Medi Cover who take the same view towards pre existing conditions - I hope that helps! Heidi

Lifetime Pet Cover Insurance company reviews

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  • avatar for AdeleAdele 1 year, 4 months ago

    I've got a reasonable quote from this company that's much cheaper than my current insurer, however I'm concerned that it maybe too good to be true. Does anyone have experience of the company and whether they're good at paying out if needs be? Many thanks

  • avatar for HeidiHeidi (Bought By Many staff) 1 year, 4 months ago

    Hi there Adele, thank you for getting in touch. We wrote a review that you might find useful -

Lifetime Pet Cover Insurance company reviews

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  • avatar for AdeleAdele 1 year, 4 months ago

    I've got a reasonable quote from this company that's much cheaper than my current insurer, however I'm concerned that it maybe too good to be true. Does anyone have experience of the company and whether they're good at paying out if needs be? Many thanks

pet insurance for my old dog

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  • avatar for HeatherHeather 1 year, 4 months ago

    Can you give me a quote for my 9urold german shorthaired pointer bitch

  • avatar for HeidiHeidi (Bought By Many staff) 1 year, 4 months ago

    Hi Heather, thanks for getting in touch. Sure! You can get a quote by clicking on the 'join the group' button, then 'get a quote' - Hope it helps! Heidi

  • avatar for AnitaAnita 1 year, 4 months ago

    Hi I do dog boarding so sometimes I need to insure one dog for one day or longer then another dog etc how can I get insurance that would cover one dog for one week while his in my care please

  • avatar for HeidiHeidi (Bought By Many staff) 1 year, 4 months ago

    Hi Anita, thank you for getting in touch. Unfortunately, we do not have anything like this on offer at the moment, but it is certainly something we will look into in the future. I would expect that the owners pet insurance would cover the majority of things, but I assume you mean for things like public liability? I just want to make sure we understand for when we look into it! Sorry we couldn't be more help at this time. Kind regards, Heidi

Border Collie 12.5 yrs old

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  • avatar for AnneAnne 1 year, 5 months ago

    Fortunately Billy has never had anything wrong with him. Insured with More Than and premium has come in quoting a cost of nearly £71. Asking why I was told that the risks were high of there being something being wrong with him the older he gets. Probably but I have paid insurance all of his life and never put in a claim. They have quite happily being taking money for all these years. Bit one sided don't you think.

  • avatar for JeanetteJeanette 1 year, 5 months ago

    Is this just a scam to get hold of peoples email addresses and facebook profiles so you can get information that we wouldn't normally get an insurance company. Where do i get a quote because this has brought me nowhere!

  • avatar for HeidiHeidi (Bought By Many staff) 1 year, 5 months ago

    Hi Jeanette, thank you for getting in touch. It definitely is not a scam. Once you have joined the group, there should be an orange button in the top right hand corner which says 'get a quote' this will take you through to Life Time Pet Cover to get your quote. I hope that helps!

  • avatar for KathyKathy 1 year, 5 months ago

    I've just had exactly the same experience as Jeanette! All the info I had filled in disappeared as soon as I hit the 'get quote' button. This does not work!! Waste of time.

  • avatar for JacquieJacquie 1 year, 4 months ago

    The orange button just takes you to a phone number!

  • avatar for SharonSharon 7 months, 4 weeks ago

    Orange button did not work for me either.....

greyhounds excluded

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  • avatar for JenniferJennifer 1 year, 5 months ago

    followed your link to lifetime pet cover for older dogs but couldn't get a quote because I have a greyhound, never had that happen before. Disappointing. So I'm back to square one

  • avatar for HeidiHeidi (Bought By Many staff) 1 year, 5 months ago

    Hi Jennifer, thank you for getting in touch. They do cover Greyhounds, so I am confused as to why you were told they do not. Was this online? They even have the option to select Greyhound on the drop down. A bit more information would be great!

  • avatar for MelMel 1 year ago

    I've tried this too and says greyhounds not covered ??

  • avatar for JenniferJennifer 1 year ago

    Yes they do have greyhound in the drop down menu but when you select it, this is what you get: Unfortunately we are unable to provide quote for the selected breed. I've phoned them to check and no, they don't cover greyhounds or lurchers.

  • avatar for KarenKaren 7 months, 4 weeks ago

    No Greyhounds! ! :( Low risk of injury... apart from falling off the sofa! Lol

  • avatar for HeidiHeidi (Bought By Many staff) 7 months, 3 weeks ago

    I am so sorry Karen, unfortunately they have excluded Greyhounds. Luckily we do have a group that you can get a quote through, if you would like to give it a try?

  • avatar for KazKaz 1 year, 5 months ago

    is it monthly quote?

  • avatar for BarryBarry 1 year, 5 months ago

    Hi I have 2 dogs aged 7 and 8, if I insured them with you annually would the insurance cover the life of the dog if I renewed it every year, also would premiums keep rising yearly? Looking forward to hearing from you Pat

  • avatar for HeidiHeidi (Bought By Many staff) 1 year, 5 months ago

    Hi Barry, I have attached a link to a Review of these insurers, I think that should answer all your questions, but please give me a shout if not. Kind regards, Heidi

pet insurance for my 2 dogs

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  • avatar for StephanieStephanie 1 year, 7 months ago

    I have 2 dogs one 5 and one 6 years old they are both shorkies and I would like to know how much insurance would be for them please? Kind regards Stephanie Merriman

  • avatar for HeidiHeidi (Bought By Many staff) 1 year, 7 months ago

    Hi Stephanie, thanks for getting in touch. In order to get a quote, you will need to click on the link below, select 'join the group' and this will take you through to More Than inclusive of a discount for purchasing through us. Unfortunately we are unable to provide quotes from here. I hope that helps! Kind regards, Heidi

Best Price found for 9 yr old dog in the S.E

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  • avatar for JulieJulie 1 year, 10 months ago

    Hi I have found LV to be the cheapest for the best cover. Pet Insurance is extortionate in this neck of the woods (mind you so are vet costs) and even though LV paid nearly £4000 vet fees just 15 months ago they are still only quoting £33.18 a month for £5000 worth of cover, per condition, for a pedigree dog. with no total limit. This is high as I said, but I have searched the net for hours I can't find better. I even tried your 'more than with group discount offer' and they can't beat it either

  • avatar for HeidiHeidi (Bought By Many staff) 1 year, 10 months ago

    Hi Julie I am sorry to hear you were unhappy with your quote. It is good to know where people are getting good deals from, and we can look to work with these insurers in the future. Thanks for the feedback. Kind regards Heidi

  • avatar for JanineJanine 1 year, 8 months ago

    But that is a 12 month insurance only though, is it? You're not covered for that condition anymore are you?

  • avatar for HeidiHeidi (Bought By Many staff) 1 year, 8 months ago

    That would be the case if she has changed insurers, after the incident. But it sounds like she was with LV and stayed with them, so providing she had life time cover, she would be covered. I hope that helps! Kind regards, Heidi

  • avatar for PeterPeter 1 year, 10 months ago

    I clicked on the link but as my dog is 9 1/2 (I rescued him from the pound last week) the insurance quote is over £30p/m for Classic cover. Additionally they include high excesses and most significant co-payments. I see other owners have made significant savings are there any other options for me? Thanks for your hard work.

  • avatar for RonnyRonny (Bought By Many staff) 1 year, 10 months ago

    Hello Peter, Thank you for your message. We're sorry to hear you weren't happy with the quote. Unfortunately, all companies tend to have high co-payment costs for older dogs. That said, insurance is affected by many different factors, such as postcode, and vary between companies. You may have seen this article already, but it will be worth getting a quote from all the companies mentioned here, and hopefully you will find one that suits: Let us know how you get on.

Cost of insurance

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  • avatar for RobRob 1 year, 11 months ago

    my dog is already insured by more then I have put he's Details in for a quote And they are cheaper than I am paying now for the same cover!!! Why is this ?

  • avatar for SamSam (Bought By Many staff) 1 year, 11 months ago

    Hi Rob - we've negotiated a 20% discount for our members with More Than, so the price you're already paying won't include that. Have you read our article about insuring older dogs? It might help you find some alternatives: Best wishes, Sam

  • avatar for AndrewAndrew 2 years ago

    *****WARNING***** Hi I've just been quoted £39.81 more going through your link, Than going direct. I saved over £400 through this site earlier this year with our other dog. Andrew

  • avatar for HeidiHeidi (Bought By Many staff) 2 years ago

    Good evening Andrew, Thank you for your email. I am sorry you have experienced problems with obtaining a quote. We have investigated and think the link you used has a problem, whilst we investigate the issue, could you try obtaining a quote through - I have checked this link and it appears to be working.  Please let me know if I can help further Wishing you a Happy New Year. Kind regards Heidi

Pet insurance for my older dog

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  • avatar for HilaryHilary 2 years, 4 months ago

    Hi There! My border terrier holly is 12 years and 2 months now, She has cushings disease and is blind (has been for about 8 years). I am trying to find a new policy to cover her for accident and illness...any advice is most welcome! Hills

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