Are older pets eligible for insurance coverage?
Written by
David Smith
Reviewed by
Prof. David Walsh, Ph.D.Accident and illness coverage for pets over 7 years of age is available until age 8, with premiums approximately 30% higher than those for younger animals. Some breed-related exclusions are usually included, and enrollment is denied to senior pets that have certain health conditions. An understanding of these limitations will assist owners in their planning.
Age-Based Eligibility
- Coverage available until age 8 for dogs and cats
- Premiums increase approximately 30% after age 7
- No coverage for pets over 8 with new conditions
Breed-Specific Restrictions
- German Shepherds often face hip dysplasia exclusions
- Purebred animals have more limitations than mixed breeds
- Chronic condition coverage varies by provider
The table shows the main effects: a 30% premium hike will raise the premium of a €50 plan to €65 per month. There will be no cover from new conditions after age 8. Chronic diseases like kidney disease need 12 months of waiting time before cover commences. These are all reasons why one should enroll early.
In Germany, specialized senior plans, which offer accident insurance for up to ten years, are available from providers such as Feather and Getsafe. These plans do not cover pre-existing conditions and have a lower annual maximum of about 3,000 euros. Always submit complete medical histories when applying for insurance, or you risk having your valid claims rejected later.
For pets over eight years old, other financial options include savings accounts or even lines of credit, specifically for veterinary costs. Some clinics offer payment plans for serious procedures, though not as good as insurance; these measures provide financial safety nets for aging companions.
Read the full article: Understanding Pet Insurance Coverage Essentials
