Why is pet insurance for older dogs important? Under what conditions insurance companies can accept an older dog? And what are the criteria to check before signing the contract? This article gives you all the info you need to know.
What are the advantages of pet insurance for older dogs?
Even if a dog has been in excellent health throughout his life, he may suffer from certain pathologies with age. As dogs get older, their metabolism slows down, and they will have less desire for exercising and prefer to stay lying down in their basket. Thus, they are more exposed to diseases such as:
Other dogs are genetically predisposed to suffer from specific pathologies in their old age, and if they are not well covered, no care can be given to them.
Females can also have ovarian cancer, tumors or cysts, because, with age, their immunity decreases and exposes them to medical conditions.
For all these reasons, your visits to the vet will be more frequent, and the bills can get higher.
However, if you wait until your dog exceeds five years before applying for health insurance, chances are high to get rejected.
Why do some insurance companies refuse insurance applications for senior dogs?
The insurance is used to reimburse the costs for the medical and surgical care of the dog. However, if your dog gets sick regularly, which is the case with older dogs, it means that there will be many more reimbursements which sometimes run into the thousands of dollars.
So if an insurance company knows that it is going to spend a lot of money each month for your dog’s care, it will obviously be more reluctant to accept your pet’s file. Okay, insurance works to help pet owners, but remember that insurance needs to make money too!
Under what conditions an older dog can be insured?
While insurance for older dogs can still be possible for some insurance companies, they may require some supporting documents to assess the dog’s health.
Among these supporting documents, there is the dog’s vaccination record which must be up to date. Once his vaccinations are up to date, the attending veterinarian will also have to make a certificate confirming that the dog is in good health, especially concerning genetic diseases.
Next, the insurance might request a complete check-up of the animal’s health before the contract is signed.
Another important condition can also be the breed of the dog. Companies often refuse breeds that are more predisposed to diseases or have a relatively short life expectancy.
For example, the Molossoids are often rejected while the Chihuahua breeds have a higher chance to be accepted due to their very long life expectancy.
What are the criteria to check before signing a senior dog contract?
The insurance contract for an older dog may be different from that of a young dog. We recommend that you request several quotes from different insurance companies to assess and compare the following points:
The exclusion clauses
– The number of deductibles or type of deductible
– The amount of contributions for each formula offered by the insurance
– Waiting periods which are generally longer or shorter depending on the case
– Once you have all of these details, you can select the insurance that matches your pet’s needs as well as your budget.
If you want to avoid all the hassle, we highly recommend that you insure your pet as soon as possible. You will be able to have many budget-friendly options to choose from.
Besides, we recommend that you choose a contract that covers the dog for its entire life so that you will not be surprised by the suspension of insurance when the dog reaches or exceeds ten years.