Older dogs cost more to insure because they need more care, but coverage can still protect you from large, unexpected vet bills.
Can you still insure an older dog?
Yes. Most pet insurers will enroll older dogs, though some cap new accident-and-illness enrollment around age 14, after which only accident-only coverage may be available. The biggest limitation at any age is that pre-existing conditions — anything diagnosed or showing symptoms before coverage starts or during the waiting period — are excluded. Enrolling before a chronic condition appears preserves the most coverage. Premiums for senior dogs are higher because older animals file more claims. Reviewing a plan's age rules and waiting periods before you buy is essential. Call 1-800-MEDIGAP at 1-800-633-4427 for help comparing.
What does it cover and cost?
Accident-and-illness plans typically reimburse 70%–90% of eligible vet bills after your deductible, up to an annual limit. Covered care can include diagnostics, surgery, hospitalization, cancer treatment, and prescription medications for new conditions. Routine care like dental cleanings and vaccines usually requires a wellness add-on. Premiums for older dogs vary widely by breed, age, location, and the reimbursement level and deductible you choose, so we avoid quoting fixed prices. Comparing several insurers is the best way to balance monthly cost against coverage. A higher deductible lowers your premium but raises out-of-pocket costs per claim.