When you become the lucky owner of a new puppy you cannot imagine this lively ball of fur aging and needing pet insurance for older dogs due to age related illnesses. Sadly people often take out pet insurance when their pets are young, only to cancel it as they feel they are not making use of the cover. Unfortunately, as our pets age, this is when the insurance policy is needed and kicks in. Our pets are as susceptible to old age type illnesses as we are.
According to the American Pets Products Association, Americans spent $18.11 billion on vet care in 2018, and this is estimated to increase to $18.11 in 2019.
As our pets become such a huge part of our families, pet owners want quality care and are prepared to pay for it. More people are starting to consider pet insurance for older dogs, however, this may not be that easy to do, read on to find out how you can cover your dog in its senior years.
Our Dogs Are Living Longer
Our animals are fortunately living healthier and longer lives due to vets and more awareness with regard to their health. However, this means, they are now facing old age type illnesses such as arthritis, cancer, and liver failure. These illnesses are becoming more common in older dogs.
Taking an old dog to the vet for treatment for illnesses such as cancer or liver failure, can leave you with excessively high vet bills. I, and I am sure no-one, would like to be faced with the horrible situation of not being able to save a loved pet due to the inability to pay the bills needed to potentially save its life, sadly though, this is often a reality.
One option available is to look at taking out pet insurance.
Most insurance policies will not cover mature or aged pets. However a number of them do offer lifetime insurance.
Generally insurance companies, such as Embrace, will allow you to take out a new cover for your dog up to the age of 14. After this they are considered mature and it becomes extremely difficult to cover a mature dog for illness.
If you are looking for an insurance policy to cover your dog for maturity, when they are normally more likely to be affected by illness, you need to take out a policy that gives your dog lifetime coverage, this way your pet will not be dropped from insurance coverage once they mature.
Embrace Pet Insurance provides lifelong coverage for broken bones, allergies, genetic conditions, cancer and so much more.
It is important to understand that coverage for senior dogs is based on your pet being insured before their 14th year, you keep your payments up to date, and making sure you discuss with the insurance consultant the details of the plan you require and the importance of having your dog covered in its senior years.
Accident Only Insurance
If you have not been able to insure your dog before its 14th year, you can still consider an Accident Only Pet Plan.
There are a number of things that can be insured under accident only cover, and some of these are:-
Foreign body ingestion, bloat, hit by a car, torn cruciate ligament, cuts and lacerations, poisoning, and prescription drugs for covered conditions.
As your pet does deserve complete support, you may want to consider coverage for routine care to keep your pet healthy and happy.
To find our exactly how the Wellness Rewards program works, you should contact Embrace Insurance to discuss this with them.
The Wellness Rewards is a flexible, preventative care plan, which reimburses for everyday veterinary training and grooming costs. It is not an insurance policy, but works as a budgeting tool and rewards you for being proactive with your pet’s care.
To Sum Up
Looking after our loved pets in their senior years can be costly, and heartbreaking if we do not have the money to pay necessary vet bills. Having the foresight to insure your pet while they are young enough with a pet insurance company that offers lifetime policies is well worth considering.
Find Out More
My blog, What is Pet Insurance, A General Guide to Insuring Your Dogs and Cats, may be of interest to you.
Click on the Embrace link above or on the banner to find out how to let them pay your pet vet bills in the future.
Leave me a comment, I would love to hear from you.
Please note that I am not medically qualified and if you do take out a policy with Embrace, I may qualify for a small affiliate payment, this helps to keep this site running.
I am not medically qualified, and all details are based on my opinion and research. Further legal information can be found under my Legal Page.
I will end with this quote by Roger A Caras:-
“If you don’t own a dog, at least one, there is not necessarily anything wrong with you, but there may be something wrong with your life.”