How to insure an old dog without an age limit?

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Many pet insurance companies impose an age limit, after which it is no longer possible to insure your dog. This limit varies depending on the breed of dog. For the pet owner, it is necessary to take action early enough if he wants his little companion to be well covered. This allows him to be reimbursed in part or in full for the expenses incurred for veterinary procedures.

Insuring your old dog: an age limit depending on its breed

The life expectancy of a dog is partly linked to the breed of the animal, and animal insurers are fully aware of this. Many of them impose an age limit from which they refuse to grant new membership. While it is generally specified that this age limit is between 6 and 8 years for a dog, it is a little different in reality. This age is assessed according to the category to which the dog that one wishes to insure belongs.

The distinction between dog breeds is important to insurers because some are more at risk than others. It is accepted that the larger the dog, the more likely it is to develop certain pathologies that can lead to significant health costs. Insurers simply want to avoid paying out too much by imposing an age limit.

Thus, a dog is considered old or senior from:

  • 5 years in giant breeds whose life expectancy is 8 years. These dogs are a few in number, including Borzoi, Great Dane, Irish Wolfhound, Kangal or Anatolian Shepherd, Landseer, Leonberger or Leonber Dog, Neapolitan Mastiff, Mastiff or Tibetan Mastiff, Pyrenean Mountain Dog, and Saint Bernard.
  • 7 years for large breeds whose life expectancy is estimated at 9 years. For example, the German Shepherd, the Labrador, the Dalmatian, and so on.
  • 9 years for medium-sized breeds with an approximate life expectancy of 13 years, such as the pug, beagle, and many others.
  • 10 years for small breeds whose average life expectancy is 16 years. These dogs include the Yorkshire, the Pekingese, and the Bichon.

Of course, regardless of the breed, a dog can live much longer than the statistics indicate! And this is even more true if it is insured early enough because it can benefit from preventive measures, medical monitoring, and better follow-up in the event of illness or accident. This is the case for dogs covered by health insurance since the expenses incurred by their owner are covered, either partially or 100% within the limits of the ceilings freely set by each insurer.

Choosing a pet health insurance policy that covers older dogs

Before his dog becomes a senior, the owner must absolutely worry about taking out a health insurance contract with a pet insurance company if it imposes an age limit. But sometimes we take in a stray dog who is already senior. In this case, we must turn to an insurance company that does not apply any age limit. Fortunately, this is becoming more and more common due to competition.

Be careful; however, these professionals impose conditions such as:

  • A certain restriction in terms of guarantees (excluded illnesses, etc.),
  • A lower reimbursement rate for older dogs,
  • The production, by the owner of the dog at the time of subscription, of a health declaration—a sort of certificate established by a veterinarian. In very exceptional cases, this declaration can be drawn up by the owner of the animal.

To avoid being refused reimbursement of veterinary expenses, the owner of a dog has every interest in taking out a contract as soon as possible. When choosing the formula best suited to his companion and his budget, he must take the time to find out not only about the possible age limit but also about the levels of guarantees, exclusions, and the general conditions in their entirety, each company being free to impose its own rules.

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