Older dog insurance

Lifetime insurance offers ongoing vet fee cover for accidents and illnesses and can protect your dog for life, as long as you renew. 

There are two types of cover available: 

Lifetime Annual Limit 

• You can choose cover from £1,000 to £18,000 each year for vet fees.
• You can claim for as many conditions as you need to, as long as you stay within your chosen annual vet fee limit.
• The limit resets every year when you renew.
• Your dog’s conditions will be covered for life, as long as you renew your policy.
• Dental accident & dental illness cover up to £3,000 with our Lifetime £10,000 and Lifetime £18,000 policies and up to £1,000 with our Lifetime £4,000 and Lifetime £5,000 policies.
• Dental accident cover up to £750 with our Lifetime £2,000 and Lifetime £3,000 policies.
• Complementary therapy from £500 to £3,000, depending on your chosen policy. 

Lifetime Condition Limit 

• You can choose cover of £1,000, £2,000, £4,000 or £6,000 each year for vet fees.
• You can claim up to your chosen amount for vet fees per policy year for each condition your dog might have.
• The limit resets every year when you renew.
• Your dog’s conditions are covered for life, as long as you renew your policy.
• Dental accident cover up to £750 with our Superior policy.
• Dental accident & dental illness cover up to £1,000 with our Superior Plus and Prestige policies.   
• Complementary therapy from £500 to £1,000, depending on your chosen policy. 

Policy terms and conditions apply. 

See Lifetime details

With Maximum Benefit dog insurance, you have one fixed amount of vet fee cover for each accident or illness. You can make claims for as many conditions as you need to each year. 

• You can choose a fixed amount of vet fee cover for each accident or illness you may need to claim for.
• You can keep claiming until the fixed amount of cover for the accident or illness is reached.
• There’s no time limit for how long you can claim for each accident or illness. After the vet fee limit is reached, we won't cover the accident or illness again.
• Dental accident cover up to £750 with a Max Plus policy.
• Dental accident & dental illness cover up to £1,000 with a Max Extra policy.
• Complementary therapy between £500 and £1,000, depending on your policy. 

  Policy terms and conditions apply. 

See Max Benefit details

Time Limited dog insurance provides cover for accidents and illnesses for up to 12 months. 

• Each new condition is covered for up to 12 months, or until your vet fee limit has been reached, whichever happens first (as long as you renew your policy).
• The 12 months start from the date your dog first showed signs of the condition.
• After 12 months, or when the vet fee limit is reached, we won’t cover the accident or illness again.
• Time Limited policies also have an annual limit - this is the most we'll pay each year for all conditions you may need to claim for.
• Dental accident cover up to £750 with a Prime policy.
• Dental accident & dental illness cover up to £1,000 with a Prime Plus policy.
• Complementary therapy between £500 and £1,000, depending on your specific policy. 

Policy terms and conditions apply. 

See Time Limited details

With our Accident Only dog insurance, you’re covered up to £2,500 per year for each accident your dog may have. 

• There’s no limit to how many accidents you can claim for each year.
• For each accident, we’ll cover treatment costs for as long as your dog needs care (as long as you renew your policy each year), up to a lifetime limit of £15,000.
• This cover is only for accidents. It doesn’t cover illnesses or diseases.
• Dental accident cover up to £500.
• Complementary therapy up to £500 for each accident. 

Policy terms and conditions apply. 

See Accident Only details

Dog insurance can help you to cover the cost of veterinary treatment if your older dog were to get injured or falls ill. It can also have additional benefits such as cover for if your dog injures someone or damages their property.

It is important to choose a dog insurance policy that best suits your needs now and in the future. We have policies that can provide cover for accidents and illnesses. If you would like to cover your dog for long-term conditions which will need treatment year after year, such as diabetes, then you may prefer a Lifetime policy. If you have a smaller budget then you may want to choose cover for accidents only or for illness that will not last more than 12 months.

Find out which policy meets your needs by completing an online quote.

Get a Quote 

Most of our dog insurance policies cover dental accidents, with some covering both dental accidents and illnesses. 

• Accident Only includes dental treatment for accidents, up to £500.
  
  
• Time Limited includes:
  • Accident cover up to £750 with a Prime policy
  • Accident and illness cover up to £1,000 with a Prime Plus policy.
    
    
• Max Benefit includes:
  • Accident cover up to £750 with a Max Plus policy
  • Accident and illness cover up to £1,000 with a Max Extra policy.

• Lifetime Annual includes
  • Accident cover up to £750 with our Lifetime £2,000 & £3,000 policies
  • Accident and illness up to £1,000 with our Lifetime £4,000 & £5,000 policies
  • Accident and illness up to £3,000 with our Lifetime £10,000 & £18,000 policies
    
    
• Lifetime Condition includes:
  • Accident cover up to £750 with our Superior policy
  • Accident and illness up to £1,000 with our Superior Plus and Prestige policies.

Policy terms & conditions apply.

Yes! We offer cover for dogs of all ages over 4 weeks. To ensure we can keep prices affordable, all owners with dog's over 8 years old will need to pay 20% of each vet fee claim in addition to your policy excess. This is known as 'co-payment'.

If your dog has been unwell or was injured before, this is known as a pre-existing condition. Pre-existing conditions aren't covered by our policies.

We consider a condition to be pre-existing if it was first noticed before your policy start date or within the waiting period, whether your pet needed treatment previously or not.

As your dog gets older, you’ll have to start paying a percentage of the vet fees when you make a claim. This is because older dogs may be more likely to get injured or to become ill. This is known as a ‘co-payment’ and is in addition to your vet fees excess. We start applying the co-payment at 8 years old for dogs.

In addition, when your dog reaches 8 years and 1 day, cover for death is restricted to accidents only, and any claims for death resulting from illness are no longer covered under the policy.

Yes, insurance for older dogs is generally more expensive. This is because, as dogs age, they are more likely to develop health issues or suffer injuries, which increases the likelihood of claims. In addition, older dogs often require more frequent veterinary care, and the cost of vet treatment can increase as your dog gets older. 

We use several factors to work out the price you pay each year. For example, the age of your pet, previous claims, where you live, the cost of vet fees and the excess that applies to your policy. 

Despite the higher cost, having insurance for an older dog can help you manage unexpected vet bills and ensure your pet continues to receive the care they need throughout their senior years.