Seniors Pet Insurance

Need to insure the elderly furry child in your life? Discover how to find the perfect seniors pet insurance policy here.

Pets are an important part of many families. We sometimes form stronger bonds with our furry companions than we do with people. But being members of our family, pets can incur a lot of costs, including feeding, bathing, grooming and vet bills.

And not everyone adopts a kitten or a puppy. There’s a growing trend of adopting older rescued animals and giving them a high quality of life in their twilight years. Pet insurance can help offset these costs and give you the peace of mind that your old mate can have a comfortable retirement.

This guide outlines the funds that cover senior pets, what to look for in a policy and how you can help Larry the Labrador feel comfortable in his older years.

Our pick: Guide Dogs Pet Insurance

Looking to cover your furry friend against illnesses? Guide Dogs Pet Insurance is the only policy on our panel that offers illness cover for pets over the age of 9. All other policies exclude illnesses and will only cover your pet in the event of an accident.

With a maximum yearly benefit of $15,000, a tick paralysis benefit of $1,500, and $3,200 cover for cruciate ligament conditions, Guide Dogs is the king of the hill.

Protect your best mate - compare pet insurance policies

Details Features
Accident Plan
Accident Plan
Get a free engraved pet ID tag when you sign up.
  • Maximum yearly benefit: $8,000
  • Reimbursement rate: 80%
  • Eligibility: From 8 weeks old
  • Excess options: $0 or $100
  • Cover for illness: No
  • Discounts: 10% multi-pet discount
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Accidental Injury Cover
Accidental Injury Cover
Get 2 months free when you sign up.
  • Maximum yearly benefit: $8,000
  • Reimbursement rate: 80%
  • Eligibility: From 8 weeks old
  • Excess options: $0, $100 or $200
  • Cover for illness: No
  • Discounts: 15% multi-pet discount
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Basic Cover (Accident only)
Basic Cover (Accident only)
Helps support the RSPCA.
  • Maximum yearly benefit: $7,000
  • Reimbursement rate: 80%
  • Eligibility: From 8 weeks old
  • Excess options: $0
  • Cover for illness: No
  • Discounts: 10% multi-pet discount
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Accident Cover
Accident Cover
Pay fortnightly, monthly or yearly at no extra cost.
  • Maximum yearly benefit: $8,000
  • Reimbursement rate: 80%
  • Eligibility: From 8 weeks old
  • Excess options: $0
  • Cover for illness: No
  • Discounts: 10% refund after your 1st year
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 Basic Care
Basic Care
Helps support Guide Dogs Australia.
  • Maximum yearly benefit: $15,000
  • Reimbursement rate: 75%
  • Eligibility: 9 years old and over
  • Excess options: $0 or $100
  • Cover for illness: Yes
  • Discounts: 10% multi-pet discount
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Royal Accident Cover
Royal Accident Cover
With guaranteed renewal you can protect your pet for life
  • Maximum yearly benefit: $10,000
  • Reimbursement rate: 80%
  • Eligibility: From 8 weeks old
  • Excess options: $0
  • Cover for illness: No
  • Discounts: 10% multi-pet discount
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Silver Accident
Silver Accident
No joining fee to pay.
  • Maximum yearly benefit: $8,000
  • Reimbursement rate: 80%
  • Eligibility: From 8 weeks old
  • Excess options: $0
  • Cover for illness: No
  • Discounts: No
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Accident Only Cover
Accident Only Cover
If you're over 50 get 10% off.
  • Maximum yearly benefit: $8,000
  • Reimbursement rate: 80%
  • Eligibility: From 8 weeks old
  • Excess options: $0
  • Cover for illness: No
  • Discounts: 10% off for seniors
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Accident Cover
Accident Cover
Your pet is covered for life.
  • Maximum yearly benefit: $8,000
  • Reimbursement rate: 75% or 85%
  • Eligibility: From 8 weeks old
  • Excess options: $0
  • Cover for illness: No
  • Discounts: 10% off for pensioners and rescue dogs
Go to site More info

What types of insurance are available for older dogs and cats?

Pet insurance for younger dogs and cats is easy enough to find. And while it may initially seem impossible, finding a fund that covers your older pet isn’t as hard as it seems.

Due to the high likelihood of illness, you’ll find that most funds won’t cover older pets in their comprehensive plans. However, many funds cover senior pets under their more “basic” levels of cover.

Policies that cover accidents only are generally the cheapest and the most basic and often the annual claim limits are comparable to the more premium policies on offer.

What providers cover for senior pets?

Here’s a quick look at some of the some of the providers on finder.com.au that cover senior pets:

Provider Age limits Percentage of vet bills covered Annual limits Illness covered?
Bow Wow Meow Accident Plan 8 weeks and over 80% $8,000
  • No
Guardian Silver Accident Cover 8 weeks and over 80% $12,000
  • No
Guide Dogs Basic Care Cover 9 years and over 75% $20,000
  • Yes
Pet Insurance Australia Accident Cover 8 weeks and over 80% $8,000
  • No
Pet Secure Accident Cover 8 weeks and over 75% or 85% $8,000
  • No
Prime Pet Royal Accident Cover 8 weeks and over 80% $10,000
  • No
Real Accident Cover 8 weeks and over 80% $8,000
  • No
RSPCA Basic Cover 8 weeks and over 80% $7,000
  • No

Why can’t my pet get covered for illnesses?

It’s highly unlikely that you can get comprehensive insurance for a pet over the age of nine. Pets at this age are far more likely to have pre-existing conditions and be more susceptible to illness, so insuring them for these things is unfortunately almost impossible.

If you have the luxury of being able to do so, get your pet insured before their 9th birthday. This will ensure that your pet is covered well into their senior years, provided their cover doesn’t lapse.

What additional extras are available?

Many pet owners want more than just basic cover for the furriest member of their family. Consider these additional extras for your insurance policy:

3 things to look out for when insuring your senior pet

What factors should you be considering when insuring your dog or cat?

  1. If your pet is over 8 years old you probably won't be able to get cover for illnesses. Most insurers won't cover your pet for illnesses once they're over the age of 9. However, if you're able to, take out cover before your pet turns 8. Your insurer will usually cover you past the age of 9, provided your cover with them doesn't lapse.
  2. Pre-existing conditions won't be covered. If you are able to take out illness cover, note that you won't be able to get cover for any pre-existing conditions. This sometimes means that you won't be covered for all conditions related to those illnesses and injuries. So if your pet shows any signs of a skin condition, all skin conditions will be excluded.
  3. Accidents can still happen. It doesn't matter how old your pet is - accidents always happen. Even if you can only get accident cover, it's still a really nice thing to give your pet. If they were to get hit by a car, you might have to pay for their surgery out of your own pocket. Worse, you might need to put them down. After the life of love that they've given you, it's only fair that you give them the best twilight years possible.

My pet can’t get covered. What other options do I have?

If you’ve searched everywhere and discovered that your older pet can’t get insured or the cost of the premium is far outside of your means, what can you do for the older furry gentleman or lady in your life?

Keep them active

Don’t let your pets lay about in front of the fire, get them up and active. Slow walks are better than no walks at all and swimming can be easy on the old joints as well. Take them along to the park and just get them moving.

Don’t let them get fat

Just like people, overweight pets can face some serious health issues, especially later in life. Strain on the heart, breathing difficulties and being too heavy to get up and exercise are just some of the conditions that can affect an overweight animal. Feed your pet good food in measured portions. Don’t be tempted by Missy’s big brown eyes, don’t give her another treat!

Diet

The diet of an older pet is different to a young or juvenile one. Being slower means that food will take longer to be digested, so it has a higher chance of being stored as fat. Plus, older animals need more nutrition from their diet. Ask your vet what the best food is for your aging furry friend.

Monitor their environment

In the human world we have ramps for those who have trouble walking up stairs. Older pets have similar issues and arthritis or lack of energy can impact an old dog’s quality of life. Install ramps or even change the social environment of your home to include your pet.

More vet visits

With age comes more visits to the vet and this is inevitable as age-related health issues arise. Use these visits as an opportunity to ask questions and get advice to make your pet’s twilight years just as fulfilling as their younger days.

Science has shown that owning a pet has some incredible health benefits and the unconditional love of a dog or a cat can make your life so much happier. Although it is easier to insure a younger animal, if you do happy to visit a shelter and there is an older cat or dog that pulls at your heart strings, understand that the love you provide may come at a higher-than-normal cost. But who can put a price tag on puppy love?

Other questions you might have about seniors pet insurance

Picture: Shutterstock

William Eve

Will is a personal finance writer for finder.com.au specialising in content on insurance. While he cannot give personal advice to clients, Will enjoys explaining the intricacies of different types of protective cover to help individuals and businesses find affordable cover that won't leave them underinsured.

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