Older Dog Insurance - What's the right insurance for an older senior dog?

Older Dog Insurance - Senior Dog Insurance Explained

Most companies will refuse to cover a canine pet and pay for its vet fees if it is above a certain age. That is why some insurers have designed specific older dog insurance plans. Purchasing such a policy will certainly give you the peace of mind that you will be able to pay for your pet's treatment, which is likely to be more expensive given its old age. Use some practical information that will help you understand what these special plans are all about. That way, you will be able to make the best choice of policy as a buyer.

Older dog insurance typically has a lower age limit. The companies offering such policies usually have standard plans for pets from 5 or 8 weeks of age to 8 to 10 years of age. Hence, if you have a pet that is older than 8 or 10, you will be able to go for a special cover. Sometimes, there is an upper age limit when it comes to eligibility for this type of cover, even though this is rarely the case. For instance, a company may offer senior canine pet plans only to dogs from 8 to 10 years of age. It is important to check such limitations when shopping for the ideal product for your pet and for you.

There are different types of older dog insurance available. The most commonly offered plans provide lifetime cover. This means that the duration of the policy is unlimited, as long as it is renewed on an annual basis. There are set annual amounts of coverage. You can make as many claims as necessary for a single or multiple conditions during the year. There are no limitations to the amount of money you can claim for the treatment of each condition. The total sum of the claims should not exceed the annual limit, however.

The lifetime cover is the most comprehensive one available. It is flexible and allows you to save considerably when your dog has a chronic illness and requires regular treatment. These are the reasons why this type of cover is recommended to the owners of senior dogs which are more likely to get sick or injured and generally recover more slowly than younger pets.

There is also per-condition older dog insurance. This type of policy sets a cap to the amount of coverage for each specific condition. Sometimes, there is a single cap for all diseases and injuries that your pet may suffer. These are considerable limitations which you have to take into account especially if your pet is at higher risk of chronic and hereditary conditions and/or injuries. The main benefit of this kind of policy compared to the lifetime one is that it is cheaper.

As for the time-limited dog insurance policy - you will find that this type of policy usually comes with a more affordable premium. There are many types of time-limit policies as well. Basically, they will provide protection for your dog within a designated timeframe. This can range from 3 months, 6 months, one year, and more. Let's say you take that annual insurance policy - this means you only have to pay one time for the premium every year. If the policy runs out, you simply have to renew the policy. However, do note that each time you renew the policy -- the insurance provider will have to redo its examination of the dog. If the provider finds out that the dog has contracted some illnesses or diseases, the premium will go up accordingly. Buying the annual policy will provide insurance protection for your dog for the whole year. The limited time insurance policy is perfect and effective if you need protection after your dog recovers from a disease or injury. This helps make sure that you don't have to pay more money in case the dog needs to get more treatment from the vet.

It is not common for older dog insurance plans to be time-limited. Still, you may be able to find a policy which is valid for a set period of time, usually 12 months, and has coverage caps per condition. This type of cover is the most restrictive of all. That is why it is the cheapest dog insurance which you can find on the market. It is generally not recommended for senior canines, but it is better than having no cover at all. You should not hesitate to get such a policy if you are on a tight budget and you cannot afford another type of plan.

Are any conditions excluded from older dog insurance? Typically, only pre-existing conditions are excluded from such types of covers. Most often, the policies will cover chronic illnesses and injuries and hereditary conditions. Still, if you go for a per-condition or time-limited plan, you will be able to make a single claim per condition. This is quite restrictive when it comes to the treatment of a chronic illness such as arthritis, for instance, which involves therapeutic procedures on a regular basis.

It is standard practice for companies to exclude vaccination fees, flea control fees and spaying and castration fees from pet insurance plans. The senior dog insurance policies are no exception. You will continue to pay these fees yourself. It should be pointed out that typically the older dog insurance plans include all the main types of covers from third party liability and boarding fees to advertising and rewards and holiday cancellation.

Is older dog insurance more expensive than the standard plans for puppies and adult canines? Generally, it is more expensive, even though a senior pet per-condition cover may turn out to be less expensive than a lifetime comprehensive dog cover designed for younger animals. You are naturally asking yourself how much more you will have to pay. The age of your dog will affect both the premium and the excess which you will have to pay. How much higher they will be depends not only on the number of years of your pet, but also on its general health and its breed. Usually, the area which you live in will affect the cost of the policy as well. You should certainly purchase an older dog insurance policy if you have a senior pet. There are different ways in which you can save on the cost. The best method is to compare insurance quotes.

You should certainly purchase an older dog insurance policy if you have a senior pet. There are different ways in which you can save on the cost. The best method is to compare insurance dog insurance quotes.