As your pet ages, they become susceptible to many of the same health problems people face as they get older. In addition, your pet’s breed may predispose them to develop certain diseases in their senior years that require extra care. For example, German shepherds and Labradors commonly develop arthritis and joint problems, whereas Chihuahuas and dachshunds are susceptible to dental disease and heart issues. 

Fortunately, advanced veterinary care options are available for pets of all ages if a serious medical condition or emergency arises, but they can come with hefty price tags. The good news is, pet health insurance isn’t only for young pets. If you have a senior pet, insurance can put your mind at ease, allowing you to focus on your furry friend’s care rather than finances. 

What conditions will health insurance cover for my senior pet?

Some of the most common health conditions your senior pet may develop include:

* Osteoarthritis — Large-breed dogs are most prone to painful osteoarthritis, which can be linked to ligament injuries, hip dysplasia, or intervertebral disc disease.

* Dental disease — The most common disease affecting older cats and dogs is dental disease. Your pet will likely show some form of dental disease, which can also affect their heart, kidneys, and liver if left untreated, by age 3.

* Diabetes — Pets who are overweight—which is more than half the U.S. pet population—are especially at risk for developing diabetes, which is the inability to control the body’s glucose levels.   

* Vision loss — As pets age, their eyesight deteriorates, and they can develop cataracts, especially if they have diabetes, macular degeneration, or glaucoma.

* Cognitive dysfunction — Dementia is common in senior pets, but medication and behavioral therapy can help them navigate their world more comfortably, without stress and anxiety.

* Chronic renal failure (CRF) — CRF is the fourth most common ailment in cats, who can begin showing signs as young as 5 years of age. Most cats older than 15 will show some CRF signs, because poorly functioning kidneys cause toxins to build up in the blood.

* Hyper- or hypothyroidism — Cats generally develop hyperthyroidism, whereas dogs get hypothyroidism. These endocrine disorders can cause serious illness in your senior pet, if not appropriately managed.

* Cancer — Many cancer types can affect senior pets. Depending on the type, your pet may need to undergo chemotherapy, radiation, surgical removal, or a combination. 

How do I select the right health insurance for my senior pet?

When shopping for pet insurance, you’ll find that some plans cater to senior pets more than others. Here are a few key factors to watch for:

Check for upper-age limits — Some pet insurance providers have an age cut-off that can range from 10 to 14 years of age for new enrollments, and may also limit coverage for older pets to only accident-only coverage.

Know the provider’s policy on pre-existing conditions — No provider covers incurable pre-existing conditions, like arthritis and allergies, but some cover curable issues that have been treated previously. For example, if your senior pet had an ear infection last year, they may be covered for the same issue in the future.

Find out if the provider reduces reimbursement rates — Some providers reduce reimbursement rates the older your pet gets, while others keep the same rate throughout your pet’s life.

Ensure the plan includes coverage your senior pet may need — Since older pets are more likely to develop medical issues, ensure they have the coverage they need for proper care. Some providers exclude coverage for behavioral issues, dental disease, alternative therapies, prescription diets, and end-of-life services.

Ideally, you should insure your pet from the day you welcome them home but check carefully before you choose a plan, to ensure adequate coverage will be provided for your pet’s entire life.

Should I insure my senior pet?

Pet insurance isn’t only for puppies and kittens who are prone to getting into mischief that comes with a hefty price tag. As your pet ages, maintaining their quality of life can become a serious financial burden, which can be alleviated if you have a wide-reaching health insurance policy in place. Your senior dog or cat may have a pre-existing condition, but could still develop a new condition that needs treatment, which pet health insurance could cover. By protecting your senior pet with a health insurance policy, you can focus on the care they need, not the cost.

Check to see if your senior pet’s health insurance policy covers end-of-life care, as their quality of life diminishes. Our telehospice service is an excellent way to support your senior pet through their final days, and a Lap of Love veterinarian in your area can provide the care your beloved companion needs to remain comfortable.