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5 Best Pet Insurance Companies for Older Pets (2024 Guide)

Author Icon Written by Brenda Woods Updated 04/16/2024

Perhaps you and your four-legged friend have been together for years, or maybe you just took in an older pet. Either way, you want to provide the best pet care for your pet in this season of its life. Like people, pets have different needs as they age and become more prone to accidents, injuries, and illness. Many veterinarians recommend more frequent vet checkups once your pet reaches 7 years of age.

We spent hours researching the best pet insurance providers and found that Spot offers the best coverage options for your aging pet. In this guide, we rounded up the pet insurers offering exceptional illness coverage for conditions senior pets experience. See our picks for the best pet insurance for older pets below.

Key Takeaways

We found that Spot offers the best coverage options for your aging pet after hours of researching the best pet insurance providers.
Depending on your provider and plan you should expect to pay anywhere from $90–$230 per month for dogs 10 years and older.
Why Trust Us? Our review and rating process for the best pet insurance companies
Companies Considered We carefully considered 22 companies to find the best pet insurance providers available.
Pet Owners Surveyed We surveyed 1,000 pet owners to see what they care about most when in comes to pet insurance.
Reviews Analyzed We went through 3,800 customer reviews of pet insurance companies to see what people had to say about each provider.
Policies Compared We compared 51 policies to find the best pet insurance offerings on the market.

Who Are The Top Pet Insurance Companies for Older Pets?

Here are our top pet health insurance providers for older pets based on our in-depth review:

How Does the Best Pet Insurance for Older Pets Compare?

Company Star Rating BBB Rating Upper Age Limit Preventative Coverage Visit Site

*All BBB ratings are current as of January 2023. 

Spot Most Customizable Plans
Spot Pros and Cons
Pros Has no upper age limit Provides unlimited coverage option Offers preventive care add-ons Cons Doesn’t cover prescription pet food Has a 14-day waiting period for accidents
Why We Chose Spot

We rated Spot 91 out of 100 for its customizable pet insurance policies. Spot is one of the most affordable pet insurance providers for the coverage you get. You can choose between an accident-only or accident-and-illness plan to cover treatment, emergency care, prescription medications, and procedures for injuries and illnesses.

In addition, Spot offers two add-on options for preventive care that you can combine with your base plan to cover wellness checkups, vaccinations, grooming, dental cleanings, and more. Spot has no upper age limit, so your pet won’t be denied coverage as it ages.


Spot is one of the few providers with an accident-only plan. The provider offers pet parents two base plans plus two options for preventive care add-ons.

  • Deductibles: $100, $250, $500, $750, $1,000
  • Annual coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited
  • Reimbursement rates: 70%, 80%, 90%

Learn more: Spot Pet Insurance Review

Embrace Best Deductibles
Provider Pros and Cons
Pros Offers dental coverage in base plan Has no upper age limit Provides preventive coverage Cons Has limited customer service availability on weekends Caps annual limit at $30,000
Why We Chose Embrace

We gave Embrace a 93.5 out of 100 because of its five deductible options. Embrace has an accident-and-illness plan with no age cap, plus a wellness rewards plan to help cover routine preventive care. Embrace is one of the few providers that covers dental care in its base plan, which is a plus given that most dogs and cats have some form of periodontal disease by age 3. Embrace covers breed-specific, congenital, and genetic conditions such as hip dysplasia and intervertebral disc disease, both of which many pets suffer from as they age.


Embrace offers five deductible options, with its lowest being $200. Plus, qualifying customers can save money with multiple discount offerings, such as a 10% discount for each additional pet policy you purchase, a 5% military discount, and an employee benefit program that offers 10% off to employees of companies that offer Embrace pet insurance.

  • Deductibles: $200, $300, $500, $750, or $1,000
  • Annual coverage limits: $5,000, $8,000, $10,000, $15,000, $30,000
  • Reimbursement rates: 70%, 80%, 90%

Learn more: Embrace Pet Insurance Review

Figo Best Extra Coverage Add-On
Provider Pros and Cons
Pros Provides 100% reimbursement rate option Offers multiple add-ons, including for end-of-life care Has no upper age limit Cons Charges transaction fees in some states Has a six-month waiting period for orthopedic issues unless your vet signs a waiver
Why We Chose Figo

Figo scored 93 out of 100, in part due to its add-ons that provide extra coverage. Figo has lifetime coverage for pets, so you don’t have to worry about your policy ending when your pet reaches a certain age. It isn’t fun to think about your older pet dying, but Figo has an add-on that covers expenses related to cremation and burial to help with the costs when the time comes. The provider offers a 100% reimbursement rate, meaning it will reimburse all out-of-pocket expenses on approved claims.


Figo customers can choose from three accident-and-illness base plans, plus additional coverage options geared toward preventive care, cremation and burial, lost pet advertising, pet theft or loss, vacation cancellation due to pet emergencies, and vet exam fees.

  • Deductibles: $100, $250, $500, $750, $1,000, $1,500 (depending on your pet’s age and location)
  • Annual coverage limits: $5,000, $10,000, unlimited
  • Reimbursement rates: 70%, 80%, 90%, 100%

Learn more: Figo Pet Insurance Review

Fetch Pet Insurance Best Holistic Coverage
Provider Pros and Cons
Pros Provides coverage for behavioral issues Does not terminate based on age, health, or claim history Covers sick visits and exam fees in base plan Cons Requires annual checkups and dental exams Has no preventive coverage option
Why We Chose Fetch

We gave Fetch a 91.5 out of 100 for diverse coverage in its base plan. Health problems, or a decline in health, can cause your pet to experience behavioral challenges and anxiety. Fetch will reimburse you up to 90% for behavioral and holistic treatments to help your pet feel at ease. Fetch also covers common breed-specific issues many older dogs face, such as hip dysplasia and breathing problems.


Fetch’s standard accident-and-illness policy covers sick-visit exam fees and provides dental benefits covering every tooth, which is rare among dog and cat insurance providers. Fetch’s holistic and alternative therapy coverage is what sets it apart. Your pet is covered for acupuncture, chiropractic care, and treatment for behavioral needs, such as anxiety and aggression.

  • Deductibles: $250, $300, $500
  • Annual coverage limits: $5,000, $10,000, $15,000
  • Reimbursement rates: 70%, 80%, 90%

Learn more: Fetch Pet Insurance Review

Healthy Paws Best Coverage Limit
Provider Pros and Cons
Pros Provides unlimited annual, lifetime, and per-incident coverage Has quick reimbursement turnaround times Offers low deductibles Cons Has upper age limit of 14 years Does not offer preventive coverage
Why We Chose Healthy Paws

Healthy Paws earned a 93.5 out of 100 for its unlimited coverage option. The provider doesn’t insure pets over 14 years old. It increases deductibles and lowers reimbursement rates for pets over 6 years old. However, the provider is worth considering for its unlimited coverage, quick turnaround times, 30-day, money-back guarantee, industry reputation, and coverage of congenital, chronic conditions, and hereditary conditions.


Though this provider has limitations for older pets, Healthy Paws rates well with the Better Business Bureau (BBB). Most customer reviews reflect that it takes good care of its users, so it may be a good option to consider for your pet.

  • Deductibles: $250 or $500
  • Annual coverage limits: Unlimited
  • Reimbursement rates: 70%, 80%, 90%

Learn more: Healthy Paws Pet Insurance Review

How Much Does Pet Insurance for Older Pets Cost?

Under most provider terms, your premium depends on your pet’s age. Providers often charge higher monthly premiums for older pets. Older pets are more vulnerable to accidents, illnesses, and conditions that require more frequent and expensive medical care. Expect to pay anywhere from $90–$230 per month for dogs 10 years and older, depending on your provider and plan. Cats over 7 years old will cost you $30–$110. See below for sample pet insurance quotes from common providers. 

ProviderMonthly Cost for Puppies (6 weeks to 1 year)*Monthly Cost for Adult Dogs (1 to 10 years)*Monthly Cost for Senior Dogs (10+)*

















Healthy Paws




*Based on sample quotes for a mixed-breed male dog in Cincinnati (ages 8 months, 4 years, and 12 years)

ProviderMonthly Cost for Kittens (0 weeks to 1 year)*Monthly Cost for Adult Cats (1 to 7 years)*Monthly Cost for Senior Cats (7+)*

















Healthy Paws




*Based on sample quotes for a mixed male cat in Cincinnati (8 months, 4 years, and 10 years)

See our list of cheapest pet insurance companies for other options.

Think about the following before enrolling in a pet insurance plan:


Pet insurance is supposed to help you financially. Don’t overextend with a premium that drains your wallet. 

Fine print

Most providers have a sample policy on their sites. Read it carefully to understand providers’ policies on preexisting conditions, exclusions, age limits, claim requirements, and more. 

Plan types and add-ons

If you want accident-only coverage, preventive coverage, or add-ons for vacation cancellation fees and other extras, read coverage details to ensure you get what you want.

Your pet’s needs

If your pet doesn’t need it, don’t pay for it. Look for a provider and plan that caters to your pet’s needs and any extras you prefer.

What Is Pet Insurance?

Pet insurance works similarly to human health insurance. One positive difference is that most pet insurance providers allow you to take your pet to any licensed vet in the country. When you take your pet to the veterinarian for an issue covered under your plan, be it an accident, illness, or wellness checkup, you’ll pay out of pocket. Then, you’ll file a claim with your pet insurance provider. If your provider approves your claim, meaning that your policy covers the vet service your pet received, your provider will reimburse you at your chosen rate via direct deposit or a mailed check. 

Most providers have a base accident-and-illness plan that covers treatments, prescription medications, surgeries, X-rays, emergency care, specialist care, hospitalization, diagnostic tests, ultrasounds, and other common needs related to accidents and illnesses. Routine care, such as annual checkups and dental cleanings, are covered under preventive coverage plans you can choose as add-ons to your base plan. Some providers have restrictions for older pets or may not cover your furry family members over a certain age. Check new policy details before enrolling in a plan. 

Learn more about how pet insurance works.

Is Pet Insurance Worth it for Older Pets?

Older pets may need more health care, but it’s worth it after the years of care they’ve shown you. The right pet insurance plan can help you save on your aging pet’s medical care. Spot, Embrace, and Fetch are all good options for preventive coverage. Healthy Paws is a favorite among pet owners for its unlimited coverage. Figo is known for its 100% reimbursement rate and end-of-life coverage. 

All of the providers will help you offset the cost of vet bills. We recommend you get a quote for pet insurance coverage from any providers you’re considering to see which company offers the best pet insurance premium for your pet and budget.

FAQs About Pet Insurance for Older Pets

Which pet insurance is best for older dogs?

The best pet insurance for older dogs depends on a few factors, such as your budget, the coverage your dog needs, and the add-ons you want. Spot, Embrace, and Figo have no upper age limits, average premiums, and diverse coverage. 

Should I get pet insurance for an old dog?

It’s smart to get dog insurance for an older dog that is healthy before enrollment. That way, you’ll be covered for any issues that come later. If your older dog is already facing health issues that require veterinary care, they will be classified as preexisting conditions and are unlikely to be covered. In that case, getting a plan may not make financial sense.

What’s the oldest you can insure a dog?

Many providers have lifetime policies, so your pet will never age out of coverage. Some providers have upper age limits, usually 14 or 15 years old.

Is pet insurance worth it for old cats?

Pet insurance is worth it for healthy old cats. Pet insurance for cats is significantly cheaper than it is for dogs, so your financial burden is low. However, if your cat already has an illness or other condition, it will likely be labeled a preexisting condition. In that case, it may not be worth it. 

Our Rating Methodology

We are dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.