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

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

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 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

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 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