Insuring your senior pet
As pets get older, they’re more likely to get unwell and often need more care to keep them comfortable during their senior years. The reality is that accidents and illnesses can happen at any time and vet bills can add up fast. That’s why many people choose to insure their pets as soon as they get them, so they are covered financially should the worst happen.
Insuring your senior pet with PDSA Pet Insurance not only protects their health, but also protects you from having to pay costly, unexpected vet fees. Get a quote for your senior pet in under three minutes.
Our senior pet insurance policies
Senior pet insurance is covered under a PDSA Pet Insurance policy. There are two pet insurance policies for older dogs and cats with PDSA: Lifetime and Time-limited (12-month).
Lifetime policies
- A Lifetime pet insurance with PDSA Pet Insurance covers your senior pet for any lifelong conditions such as diabetes or epilepsy. If you renew your policy every 12 months, then you can cover new illnesses and accidents as well. A Lifetime pet insurance policy tends to be more expensive than Time-Limited cover, but it can help to prevent high treatment costs for long term illnesses that your pet may develop as they get older.
Time-limited (12-month) policies
- A Time-limited policy with PDSA Pet Insurance covers your vet fees for accidents and illnesses up to the financial amount you selected or up to a maximum of 12 months from the first symptoms shown. When either limit it reached, the specific condition will no longer be covered and excluded from your policy. This policy will be more affordable and best suited for those looking for short-term cover.
By taking out a PDSA Pet Insurance policy for your senior pet, you’ll also be supporting our life-saving charity work to keep people and pets together. Every PDSA Pet Insurance policy sold helps us provide essential treatment for sick and injured pets across our Pet Hospitals.
How much does pet insurance for older dogs and cats cost?
The cost of pet insurance for older cats and dogs varies depending on a range of different things. For example, where you live, your pet’s breed as well as their exact age. PDSA Pet Insurance provides policies to suit all budgets. For an exact price that fits your budget and needs, get a personalised senior pet insurance quote in just three minutes.
Is pet insurance worth it for older cats and dogs?
There’s no telling when your senior pet will suddenly become unwell or get caught in an unexpected accident. Many people choose to insure their senior pets to protect themselves from surprise vet bills.
Here are just a few common conditions that older pets are more susceptible to:
- Dental disease in dogs
- Dental disease in cats
- Arthritis in dogs
- Arthritis in cats
- Cancer in dogs
- Cancer in cats
Our PDSA Pet Insurance comes with plenty of benefits, so you can be prepared for the unexpected. These include:
- No age limits on our policies so you can insure your senior pet at any time
- Pay monthly at no extra cost
- Lifetime policies covering conditions your senior pet develops while insured, for life*
- The choice to pay your vet directly if you need to claim^
- If your dog goes missing, some policies help with local advertising and reward costs
- Dog policies with third party liability cover**
- 24/7 veterinary advice online or over the phone with PawSquad
- Your policy can be used at any vets so you can continue to use your own registered vet as usual
By purchasing a PDSA Pet Insurance policy for your senior pet, you are contributing to our life-saving charity work. Every policy sold helps to treat sick and injured pets across our Pet Hospitals.
Every pet insurance policy sold contributes to our life-saving charity work, which helps pets like Gus
Meet Gus
Eight-year-old Miniature Dachshund, Gus, was saved by PDSA vets after he collapsed from bladder stones. Older pets are more prone to illnesses like bladder stones, so Gus’ owner, Julie, is working closely with the vet team to ensure Gus’ condition is monitored closely and he receives the treatment he deserves.
Frequently asked questions about pet insurance for older dogs and cats
- Is insurance for older dogs and cats more expensive?
- Does pet insurance for older dogs and cats cover pre-existing conditions?
- How much does senior pet insurance cost?
- Is there an upper age limit for getting pet insurance?
- Is pet insurance worth it for senior pets?
As pets get older, they are more likely to develop health problems and might need to visit the vet more often. That’s why insuring your senior pet is usually more expensive than insuring a puppy or kitten. PDSA Pet Insurance provides policies to suit all budgets. For an exact price that fits your budget, get a personalised senior pet insurance quote in just three minutes.
No, PDSA Pet Insurance does not cover pre-existing conditions (illnesses or injuries that your pet has had in the past). Make sure that you disclose the full history of your pet’s pre-existing health conditions before purchasing a policy with us.
The cost of pet insurance will vary depending on your policy, your pet’s age, breed, and health. For an accurate cost, get a personalised senior pet insurance quote in just three minutes.
There are no age limits on PDSA Pet Insurance policies, and you can insure your cat or dog from when they are eight weeks old.
Pets are just like humans and need extra care as they get older. Many people get pet insurance for older dogs and cats should the worst happen such as unexpected illnesses or incidents.
Why older pets can be great
Looking at getting an older cat or dog? Here’s why adopting a senior pet could be the perfect match for you.
Taking care of your senior pet’s joints
As your pet gets older, their joints might not be as good as they used to be. Learn how to care for your senior pet.
Dementia in pets
Just like with people, dementia is more common in older dogs and cats. Learn all about it here and the signs to look out for in your pets.
*Subject to lifetime policy renewal.
^Providing your vet agrees to be paid directly.
**Third party liability cover is not available for Akitas, Japanese Akitas, Neapolitan Mastiffs, Cirneco Dell Etna, Dogue de Bordeaux, Korean Jindo, Mexican Hairless (Standard), Mexican Hairless (Intermediate), Mexican Hairless (Minature), Northern Inuit, Portuguese Podengo, Segugios Italiano, Shar Pei, Utonagan, and crossbreeds of these dogs.
PDSA Trading Limited is an introducer appointed representative of Pinnacle Insurance ltd which is authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: 4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH. PDSA Pet Insurance is a trading style of and arranged, administered & underwritten by Pinnacle Insurance ltd. PDSA Trading Limited and Pinnacle Insurance ltd are not part of the same corporate group.