Insurance for senior pets · affiliate links
Seven insurers. Three still take seniors.
Older pets see the vet twice a year and pick up chronic conditions. A plan can turn a four-figure bill into a monthly premium, if you enrol before the condition exists.
Compare insurers
Embrace
No upper age limitNo upper age limit, exam fees covered, diminishing deductible, optional wellness cover.
- Max age
- Monthly
- Rating
- No age limit
- $40–80
- 4.8
Healthy Paws
Age limit at enrolmentUnlimited lifetime benefits, no payout caps, fast claims. Enrol before 14.
- Max age
- Monthly
- Rating
- 14 years
- $35–75
- 4.7
Spot
No upper age limitCustomisable plans, up to 90% reimbursement, prescription food and behavioural therapy covered.
- Max age
- Monthly
- Rating
- No age limit
- $30–70
- 4.6
Pumpkin
Age limit at enrolment90% reimbursement, hereditary conditions from day one, strong preventative care add-on.
- Max age
- Monthly
- Rating
- 14 years
- $40–85
- 4.6
Lemonade
Age limit at enrolmentApp-first, instant AI claims, competitive pricing. Not for pets over 10 at enrolment.
- Max age
- Monthly
- Rating
- 10 years
- $25–60
- 4.5
Figo
Age limit at enrolment100% reimbursement option, cloud vet records, alternative therapies. Enrol before 10.
- Max age
- Monthly
- Rating
- 10 years
- $35–75
- 4.4
Pets Best
No upper age limitBudget-friendly, no upper age limit, 5-day reimbursements, 24/7 pet helpline.
- Max age
- Monthly
- Rating
- No age limit
- $25–65
- 4.3
Premiums are typical ranges for one pet, not quotes. Waiting periods run 1–15 days depending on insurer and condition.
What matters for an older pet
Read the policy for these before the price.
- No upper age limit for enrolment
- Hereditary and congenital conditions covered
- No waiting period for accidents
- Chronic conditions covered year after year
- Premiums that stay reasonable as pets age
- Optional wellness cover for routine care
- Fast reimbursement
- Good reviews from senior pet owners
Pre-existing conditions
Anything diagnosed before you enrol is excluded. The best day to sign up is before the diagnosis.
Waiting periods
Cover starts 2–14 days after enrolment for most illnesses; accidents are often quicker.
Premiums rise
Expect increases at renewal as your pet ages. Budget for the later years, not the first.
Limits
Check annual maximums, per-condition caps and lifetime caps before comparing prices.