A new breed of

older dog insurance

  • check icon No upper age limit
  • check icon All pre-existing conditions considered*
  • check icon No compulsory excess or bill share
  • check icon Up to £15,000 vet fees
  • check icon Free 24/7 access to FirstVet video consultations

Pet insurance for older dogs

Your senior dog deserves just as much care in their twilight years. Give them flexible cover and take control of your policy with pet insurance for older dogs.

There’s no upper age limit and the choice is yours, with vet fee cover up to £15,000 as well as an optional excess and bill share. If your older dog has a pre-existing condition*, they could be covered. You can claim as many times as needed per condition each year, up to your vet fee limit.

Our lifetime pet insurance has a Defaqto 5 star rating when you choose vet fee cover over £4k with all optional add-ons included.

5 star Defaqto badge

Why Petsure?

Dogs show us unconditional love throughout their life, and they still deserve pawsome care into their later years. Get access to unlimited 24/7 video support from a UK-registered vet who can help you keep your senior dog comfortable and happy.

Old age often brings health problems and chronic conditions. If you do need to declare an illness, you still have full control over your payments with a choice of limits and no compulsory excess or co-payment. With no upper age limit, a 10 year old dog or older could be covered.

A picture of a customer on a FirstVet video call with a UK vet

Unlimited video calls with a UK vet

Expert advice for your older dog is a video call away with FirstVet. A FirstVet consultation never counts as a claim and their UK-registered vets are available 24/7.

You have peace of mind that you can get immediate support for your senior pup whenever and as often as you need it.

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Compare our pet cover

petsure-white p-only-petsurelogo ManyPets Petplan Agria
Maximum vet fees £15k per year £15k per year £12k per year £12.5k per year
Cover for pre-existing conditions?
No compulsory excess?
No compulsory co-payments for older pets?
Tailor limits per pet on a multi-pet policy?

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†For Lifetime policies only – details correct as of 16 June 2023 via competitor websites. Competitor products are subject to their own T&Cs. For full details of Petsure pet insurance, please read our policy wording.

Older dogs with medical conditions

Older dogs have plenty of life left in their bones, but they may also have developed some conditions along the way.

When applying for a quote, we’ll ask you about their pre-existing conditions* as well as some questions about their current health.

If you’re switching to Petsure from another provider, your cover could start immediately**.

Some of the conditions that are often seen in senior dogs include arthritis, dementia, and kidney disease.

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Product facts

Having older dog insurance could give you the confidence that you’re prepared for unexpected vet bills.

Like their humans, senior dogs get weaker as they age and become more susceptible to infections and illnesses.

How much you’ll pay for your older dog’s insurance comes down to factors like their breed, age, if they have pre-existing conditions, and where you live.

Our pet insurance covers vet fees up to the limit you choose each year. Other benefits include behavioural treatment, emergency care, and dental accident cover.

You can then also choose optional add ons like farewell cover, dental illness, missing pet, and travel and holiday cover.

Check your policy wording carefully for any inner limits, policy conditions, or exclusions.


Our standard dog insurance includes treatment for dental accidents up to your chosen vet fee limit. You can then extend your cover to include dental illness, up to a maximum of £5,000 or your vet fee limit (whichever is lower).

Some other providers don’t cover dental illness or won’t offer a policy for older dogs when they reach a certain age, but this depends on the individual provider and the policy type you choose.

Your older dog’s breed does have an impact on whether you can get cover from us or another provider, as well as how much this could cost you each month.

This is due to certain breeds being at a higher risk of developing specific genetic conditions.

You can choose farewell cover as an optional add on to your policy. This includes death from accidental injury or illness and cremation or burial.

It’s hard to think about saying goodbye to your canine companion. Having farewell cover can give you the space to process their passing without worrying about the cost.

If you’re ever faced with the difficult experience of losing your older dog, know that you are not alone. We’ve partnered with Blue Cross to give you bereavement support when you need it most.

You have access to a dedicated support number and can speak with trained volunteers 365 days a year, from 8.30am to 8.30pm. Find the Petsure support number in your MyPetsure account or through our claims team.

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Policy documents

Policy documents

*Cover for pre-existing medical conditions is subject to acceptance. They will not be covered unless you have declared them and they are shown on your Confirmation of Cover.

**Illnesses won’t be covered in the first 14 days and accidents won’t be covered in the first 2 days of the policy unless you are switching from another insurer on a like for like basis with no break in cover. Other exclusions may apply to other sections.