Have you tried to insure your eight-year-old cat or dog? When doing your research, you’ve probably noticed that the premium for an old pet is more expensive than for a young one. The reason for this is because, just like humans, old pets are more likely to get sick with common illnesses like arthritis, diabetes, or injury complications as the years go by, requiring more visits to the vet, and hence, more costs are involved in treating these conditions.
Insurance Plans for Senior Pets
There are, though, pet insurance companies that offer coverage for senior pets, as well. For instance, there is Pets Best, which includes older pets in its accident and illness plans, declaring that it has no upper age limit for pets and that it does not decrease or cancel coverage based on the pet’s age.
PetFirst is another pet insurance firm that covers insurance for senior pets, having the same prices for the three most popular insurance plans – Cost Conscious, Recommended and Additional Coverage – for old pets as those for young ones.
Healthy Paws is pet insurance that covers cats and dogs up to the age of 14, helping their human parents to have them treated for specific conditions such as hereditary or congenital illnesses that would cost a real fortune if not covered by pet insurance. This way, you can still enjoy their healthy presence for years to come.
Which Plan to Choose?
With Pets Best, for instance, even though the firm places no limit on the furry companion’s age, it is recommendable not to choose a full insurance plan for a senior pet that already has developed a series of preexisting conditions. Since this company, like most of its kind, does not provide coverage for preexisting illnesses or injuries, it is advisable to choose the accident plan.
As for Healthy Paws, this firm offers one plan for cats and one for dogs. Even though these plans do not include exam coverage or burial fee reimbursement, they do cover a wide range of conditions, including hereditary and congenital ones, if the symptoms appear after enrolling.
Preexisting Conditions of Senior Pets
Most pet insurance companies that offer insurance for senior pets will not, however, provide reimbursement for preexisting conditions. This means you can still insure your beloved old cat or dog, however, these insurance companies do not cover the treatment needed for that specific preexisting condition.
If, though, your senior pet develops another illness or injury after enrolling, these conditions are usually covered by insurance. Knowing how likely it is that a senior pet develops several types of conditions, it is still a great thing that the parent can get insurance even for an old four-legged pal.
It is important, therefore, to understand what each insurance company defines as a ‘preexisting’ condition. Mind you, some of them consider cancer to be in this category and knowing how common and extremely expensive to treat this disease is for pets, it is crucial to know if coverage includes this illness, as well, before signing the dotted line.