Dog Insurance for Older Dogs

Insuring an older dog

Insuring your older dog can pose questions and issues that are different from insuring a young puppy. Some pet insurance companies will hold an upper age limit and won't cover a dog past a certain age. The difference between cats and dogs is that certain dog breeds are affected by age limits. Different breeds have a different life expectancy. You will need to check with different insurance companies, because age limits won't apply to every company. Companies may recommend that you insure your pet with a long-term policy; your dog should then be covered for the length of their life as opposed to a 12 month plan which they might not be able to renew at the end of the term due to the dog's age. A long-term policy might be right for you in case your dog unfortunately develops an on-going condition. Trying to take out a policy with a new pet insurer may prove difficult if your dog has an on-going condition as some companies do not cover pre-existing conditions.

Is your dog too old for pet insurance?

The life expectancy in dogs varies between breeds. Typically, small dogs can live up to the age of 15-16, and medium and large dogs 10-13 years, although they can live to be 20 (140 in dog years). A Greyhound has a life expectancy of 9-15 years, whereas for a Border Collie it is 10-17 years. Some pet insurance companies won't insure pets of an old age as they are more likely to make a claim, and some of these claims won't be covered by the policies offered. If your dog is five years old or younger, it might be worth considering a long-term policy. However, some insurance companies still hold an upper age limit with their long-term policies. At Pets Insure Together we have no upper age limit (though you can't take out a new policy if your dog is aged 8 years or older) and will continue to insure your dog for as long as they live. Insurance Terms of Business apply.


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Pets Insure Together is a trading name of Insure Together Limited which is an introducer appointed representative of BDML Connect Limited. Pets Insure Together pet policies are arranged and administered by BDML Connect Ltd, an insurance intermediary authorised and regulated by the Financial Services Authority (FSA number: 309140). You can check this information on the FSA's website at or by contacting the FSA on 0300 500 5000.

Your pet insurance is underwritten by Broadgate Syndicate 1301 at Lloyd's and The International Insurance Company of Hanover. Broadgate Syndicate 1301 at Lloyd's and The International Insurance Company of Hanover are both authorised and regulated by the Financial Services Authority.

* All cashback is only applied to active Pets Insure Together Cashback Cards. All Pets Insure Together pet insurance policies that are issued will include an automatic enrolment to the Pets Insure Together Cashback Card. Terms and conditions will apply.

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