Pet Insurance for Senior Dogs (10+ Years) – What You Need to Know

Is your furry friend 10 or older, and you’re wondering if pet insurance is still an option? As dogs age, veterinary bills can add up quickly—consider routine checkups, unexpected illnesses, or even emergency surgery. The good news? Yes, you can insure a senior dog, even one that is 12 years or older, but there are a few important things you need to know. Let’s break it down.
🔍 Can You Insure a 12-Year-Old Dog?

Yes, it is possible to insure a 12-year-old dog, but it isn’t always easy. Many pet insurance companies set age limits, often limiting coverage at 10–14 years for new policies. Each provider has its own rules, so it’s important to get insurance from different insurance companies. One big factor? Pre-existing conditions. If your dog already has health issues like arthritis or diabetes, these may not be covered, which can limit your options.

📋 Companies That Cover Senior Dogs (Even 12+)

Some insurers are more senior-friendly than others. Here’s a quick look at a few that cover dogs aged 12 and up:

Insurance Company	Max Age Limit	Covers Pre-Existing?	Avg Monthly Cost
Pumpkin	No upper limit	Partially	$50
Embrace	14 years	No	$40
ASPCA	No limit	No	$45

Note: Costs vary based on breed, location, and coverage type. Always get a personalized quote.

Note: Costs vary based on breed, location, and coverage type. Always get a personalized quote.
❗ What to Check Before Buying Insurance for Senior Dogs
Before you sign up, here are some important things to know

Waiting Periods: Most policies have a 14–30 day wait before coverage kicks in, so plan.
Exclusion clause: Read the fine print—some plans don’t cover common senior issues like hip dysplasia or cancer
Coverage Type: Choose between accident-only (cheaper, covers injuries) or accident + illness (pricier, covers chronic conditions).
Premium Costs: For a 12+ dog, expect higher premiums—sometimes $50–$100/month—due to increased health risks.

💡 Is it worth getting senior dog insurance?

Whether or not to insure your senior dog depends on your situation. Let’s weigh the pros and cons:
Pros

Covers Sudden Illnesses: From infections to unexpected tumors, insurance can save you from massive vet bills.
Peace of Mind: Knowing you’re covered for emergencies lets you focus on enjoying time with your pup.

“If you’re still wondering whether pet insurance makes sense for your dog at this age, you might want to check out our article — Is Pet Insurance Worth It?“

Cons[Disadvantage]

Expensive Premiums: Older dogs mean higher costs, which sometimes outweigh the benefits.
Pre-existing exclusions: Chronic illnesses (such as arthritis) that your dog already has are usually not covered.

📦 Alternative Options (If Insurance Isn’t Available)
If insurance feels out of reach, consider these alternatives:

Wellness Plans: Some vet clinics offer plans for routine care, like vaccinations or dental cleanings.
Emergency Savings Account: Set aside $50–$100/month in a dedicated pet fund.
Pet Credit Cards / Health Loans: Options like CareCredit can help cover unexpected costs with manageable payments.

🙋‍♂️ FAQs

Can I insure my dog after he’s diagnosed with arthritis? Maybe not for arthritis specifically—most insurers don’t cover pre-existing conditions. However, you can still get coverage for unrelated issues.
Does pet insurance cover dental for senior dogs? Some plans (like Pumpkin) include dental coverage, but it’s often limited to cleanings or extractions, not pre-existing dental issues.
What if my dog has had surgery before? Past surgeries may count as pre-existing conditions, so they might not be covered. Check with the insurer to confirm.

Conclusion

Ensuring a 12-year-old dog is possible, but it takes some research to find the right plan. Look for senior-friendly providers, read the fine print, and weigh the costs against your dog’s health needs. With the right coverage, you can give your furry best friend the care they deserve without breaking the bank.

Want more details? Check out our detailed guide: Best Pet Insurance for Senior Dogs in 2025.