Best Pet Insurance for Older Pets

Best Pet Insurance for Older Pets

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Top 5 Best Pet Insurance for Older Pets

Just like humans, pets need a little extra love and care as they get older in order to make sure that they maintain their good health. Some companies unfortunately look down on older pets as nothing more than a hassle. Thankfully these 5 pet insurance providers have decided to step-up and provide thorough and ongoing care to pets of all ages.

These companies all provide coverage of everything you should expect from pet insurance, along with bonus services that will help your pet maintain its playful attitude no matter how old it is.
These companies all provide coverage of everything you should expect from pet insurance, along with bonus services that will help your pet maintain its playful attitude no matter how old it is. #pets #insurance #senior

Rated #1

ASPCA

Rating:

      7.6/10

ASPCA Pet Insurance Review
Starting at: $21.00 /mo

For cats, monthly cost will be around $7.50 for Level 1, $16 for Level 2, $23 for Level 3, and $35 for Level 4.

*Sample prices are based on a 2 year old mixed breed pet from Michigan with a $250 deductible and 80% reimbursement level.

ASPCA continues their storied history of caring for forgotten animals with their “ContinuingCare” add-on that is specifically designed for dogs older than 12 and cats older than 14. This plan insures all of the common problems older pets endure, and is the only plan offered by any company that is designed precisely for elderly pets. Combining this add-on with a plan that provides acupuncture and chiropractic care will give you old friend the best health care possible.

A Few Details about this Insurer:

The main plans ASPCA offers will cost an average of $21/month for cats and $28/month for dogs. “ContinuingCare” is subject to a 2nd annual deductible of $100, and has a per incident limit of $2,000 and lifetime limit of $6,000. However, it comes included with all plans so it will not increase the cost of your premiums.

Deductables: $100, $250, $500 Per Incidence Limits:
Co-Pay Coverage: 70%, 80%, 90% Annual Claims Limits: no limits
Minimum Enrollment Age: 6 Weeks LifeTime Claims Limits: $5,000, $10,000, $15,000, $20,000, No Limits
Maximum Enrollment Age: None Effective Date: 1st and 15th of the Month (after payment)

Need another reason to buy? The ASPCA is 1 of only 3 companies to provide coverage for chronic conditions, a fact that is extra important for owners of older pets.

Rated #2

Embrace

Rating:

      8.4/10

Embrace Pet Insurance Review
Starting at: $22.00 /mo

Based on Embrace's most popular options customers should expect to pay around $37/month for dogs, and $22/month for cats.

*Sample price based on a 2 year old mixed breed male from Michigan with a $10,000 annual limit, $300 deductible, and 80% reimbursement level, with the "rx drug coverage" included as well.

You want to enjoy the remaining moments with your pet, not worry about pet insurance. Embrace makes sure to put your concerns first and do everything possible to make sure that the final years with your pet are joyful and free from financial concern. Their plan covers alternative therapy and they also have a good wellness plan that helps cover some of the care that is necessary for older pets.
Embrace will also reimburse treatment of chronic conditions such as allergies, cancer, and asthma as part of their main plan without any extra charge.

A Few Details about this Insurer:

Buying insurance from Embrace will cost dog owners $37/month and cat owners $22/month. This is based on the average cost of what previous customers have paid.

Deductables: $200, $300, $500, $1000 Per Incidence Limits:
Co-Pay Coverage: 65%, 80%, 90% Annual Claims Limits: no limits
Minimum Enrollment Age: 6 Weeks LifeTime Claims Limits: $5,000, $10,000, $15,000
Maximum Enrollment Age: 14 Years Effective Date: Day after purchase

Need extra coverage? For a small monthly fee Embrace offers “Rx Drug Coverage”, a plan that reimburses the cost of medications prescribed by a veterinarian.

Rated #3

PetPlan

Rating:

      8.2/10

Pet Plan Pet Insurance Review
Starting at: $20.00 /mo

Prices range from $20/month up to $40/month and have no lifetime limits.

*Sample prices based on a 2 year old mixed breed from Michigan with a $100 deductible and 80% reimbursement level.

Competitive prices, no lifetime limits, and a 100% reimbursement level. There is much to like about the insurance PetPlan offers. What makes them a great option for owners of older pets however is their offer to provide coverage for curable pre-existing conditions. Examples include UTI’s, bladder infections, and respiratory infections.
PetPlan is the only company to offer coverage for any type of pre-existing condition. Since these are common problems that many pets will have, owners of older pets should seriously consider buying insurance from PetPlan.

A Few Details about this Insurer:

This coverage is provided as part of PetPlans main plan, since they do not offer any add-ons. Prices range from $20/month up to $40/month and have no lifetime limits.

Deductables: $100, $125, $150, $175, $200, $225, $250, $300, $500, $1000 Per Incidence Limits: No Limits
Co-Pay Coverage: 70%, 80%, 90% Annual Claims Limits: no limits
Minimum Enrollment Age: 6 Weeks LifeTime Claims Limits: $2,500, $5,000, $10,000, $15,000, $20,000, $25,000, No Limits
Maximum Enrollment Age: None Effective Date: Day after purchase.

Do you value convenience? On top of excellent customer service, PetPlan also has an app that lets customers submit claims and manage their account immediately from anywhere.

Rated #4

AKC

Rating:

      7.5/10

AKC Pet Insurance Review
Starting at: $30.00 /mo

“CompanionSelect” costs between $20-$40/month for cats, and $30-$60/month for dogs.

*Sample costs based on 2 year old mixed breed dog from Michigan, with a $250 deductible, 80% reimbursement level, and $10,000 annual limit,.

The official insurance provider of the American Kennel Club makes this list because of the 4 fantastic add-ons they offer. 2 of these are wellness plans, and the other 2 provide coverage for hereditary diseases and exam costs, respectively.

AKC also has a main plan called “CompanionSelect” that is specifically designed for older pets. It insures accidents, hospitalization, surgery, and all the medications your elderly pet may need.

A Few Details about this Insurer:

“CompanionSelect” costs between $20-$40/month for cats, and $30-$60/month for dogs. With this you receive a maximum limit of $8,000 per incident and $16,000 annually.

Deductables: $100, $125, $150, $175, $200, $225, $250, $500, $1000 Per Incidence Limits: $1,500, $2,000, $2,500, $3,000, $5,000, $8,000
Co-Pay Coverage: 80% Annual Claims Limits: no limits
Minimum Enrollment Age: 8 Weeks for Dogs, 10 Weeks for Cats LifeTime Claims Limits: $3,000, $4,000, $5,000, $6,000, $7,000, $8,000, $9,000, $10,000, $14,000, $15,000, $16,000
Maximum Enrollment Age: After 9 Years no Illness Coverage Effective Date: 12:01am the day after enrollment

Want flexible payment options? AKC allows you to choose any deductible amount between $100 and $1,000. The cost of your monthly premium will vary greatly based on this amount.

Rated #5

Nationwide

Rating:

      7.4/10

nationwide pet insurance review
Starting at: $20.00 /mo

Monthly costs are as low as $11 for cats and $20 for dogs

*Sample prices are based on a 2 year old mixed breed from Michigan with a $250 deductible.

Nationwide is the biggest provider of pet insurance to owners of all types of pets, including those with older pets. They are also one of the few companies to give owners the option to purchase medical or wellness plans separately from their main plan. This presents money saving opportunities if you feel that the coverage provided by these secondary plans is all you need.
Along with providing dental, wellness, and medical care, Nationwide will make sure that you are financially protected during your final years.

A Few Details about this Insurer:

Monthly costs are as low as $11 for cats and $20 for dogs with Nationwide, you will be guaranteed a return on your investment if your pet ever needs expensive care.

Deductables: $250 Per Incidence Limits: Dependent on Plan Selected
Co-Pay Coverage: 90% Annual Claims Limits: no limits
Minimum Enrollment Age: 6 Weeks LifeTime Claims Limits: No Limits
Maximum Enrollment Age: 10 Years for New Customers - No limit for existing customers Effective Date: Day after application is approved and payment received

Planning a trip? PetsBest allows you to go to any licensed vet in the entire world, so feel free to take your cat on your next family excursion.

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