Old dogs

Insurance for old/senior dogs

Illnesses and injuries to the old dog represent a high cost risk for the owners, which should by no means be underestimated. Dog health insurance offers protection in the event of an emergency and covers most of the veterinary costs that you incur due to the necessary treatments.

Since older animals often get sick and therefore high veterinary bills are possible, taking out dog health insurance for old dogs is particularly useful .

Key facts at a glance:

  • In the event of illness, dog owners must expect high veterinary bills.
  • Since older dogs get sick more often than average, they have an increased risk of costs.
  • Owners of old dogs can also protect themselves with dog health insurance.
  • For healthy animals, it is usually possible to take out dog health insurance regardless of age.
  • The insurance premium for old dogs is slightly higher than for their younger counterparts.

What dog health insurance offers for old dogs

When taking out your dog insurance, you have the choice between pure surgical insurance and full health insurance. Surgical insurance pays for medically necessary surgical procedures and subsequent hospital stays. It is particularly cheap. However, you have to pay for normal examinations yourself. If you choose full health insurance instead, you will also be insured against normal treatment costs. Such dog health insurance covers, among other things, medication and various examinations such as X-rays, operations or special diet food.

Is dog health insurance possible for old dogs?


In principle, it is possible to take out dog health insurance regardless of the age of your four-legged friend. However, if you have an old dog, you have to expect that the premium for dog insurance will be slightly higher. Considering the high cost risk, you should still make use of this option. Dog health insurance can protect you from financial problems in an emergency and ensure adequate treatment for your four-legged friend.

Why premiums are rising for older dogs


As with all insurance, the risk is taken into account in the premium for dog health insurance. Since older dogs tend to get sick more often, they tend to incur higher treatment costs, which insurance has to cover. In this way, it is possible to offer fair rates to all policyholders, where younger dogs are insured more cheaply and older animals have to pay a little more.

Please take care of insurance coverage in good time


Regardless of whether you own a young or an old dog - don't wait too long and take out dog health insurance in good time. This way, if the worst comes to the worst, you are on the safe side and don't have to worry about the treatment costs.

doc4pets insurance powered by Smart Paws also insures “old” dogs.
Of course, with doc4pets insurance you also have the option of taking out dog health insurance for previously ill dogs. You can choose between different annual amounts that we cover for your loved one. Take care of your older friend in good time with dog health insurance.

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Overview of dog health insurance rates for dogs over 8 years old

Of course, with the insurance from doc4pets powered by Smartpaws, you can also have your animal treated at any other veterinarian and are not tied to our practices!

As you can see below, you can choose between our partner Smartpaws three tariff classes (Optimal, Classic and Basic). It is understandable that you want the best possible care for your dog. However, this doesn't necessarily mean that you should always choose the most expensive plan. Why?

  • On the one hand, young dogs generally do not need as much veterinary care as older dogs, for example
  • In some cases, this is also breed-specific - our experience is that young Labradors increasingly suffer from cruciate ligament tears, which should lead to an appropriate choice of tariff
That's why our tip - if you're unsure whether you even need dog health insurance, then choose a lower tariff - you can upgrade with us at any time!

To give you a better idea of ​​what you might incur on average in terms of treatment costs, we have given you a few examples here:

Average cost for veterinary treatments for dogs

  • general examination approx. 50 EUR
  • Expressing an anal bag approx. 20 EUR
  • CT of a dog with one region approx. 500 EUR
  • Removing foreign bodies from the nose/throat (awn etc.) approx. 230 EUR
  • Blood count approx. 120 EUR
  • Cruciate ligament tear between approx. 1100 and 2400 EUR
  • Patellar luxation approx. 1400 EUR
We offer your pet lifelong insurance coverage.   
 
TariffOptimal care Classic Care  
Total annual limit to cover the following5.000 € 2.500 €  
Veterinary advice and physical examination, diagnosis, treatment including costs of surgery, care and medication for any illness, disease or injury√ √  
      
Complementary therapies recommended by your veterinarian including physical therapy, hydrotherapy, acupuncture and chiropractic√ √  
        
Emergency dental treatment resulting from an accidental injury or as a side effect of a serious illness or injury. √  √  
      
Your insurance cover also applies to important emergency treatment while traveling abroad. √  √  
Prescription food40% up to €200 pa 20% up to €150 pa  
Costs of prescription medications for chronic illnesses50% up to €750 pa40% up to €500 pa
      
★      Reimbursement according to the veterinary fee schedule – 3 times the GOT rate (4 times the GOT rate for emergencies)  
★ ★  EXCLUSIVE: In each insurance year in which you do not submit an invoice, you will receive a 15% discount on the following year's premium.  
For each new diagnosis in an insurance year, you only pay the deductible of €100, as well as an additional payment of 20% on each invoice submitted. The deductible and co-payment must be made each insurance year.   
What is not insured?     
Pre-existing conditions : We do not cover costs associated with the diagnosis or treatment of illnesses or injuries that occurred or showed symptoms before the start of insurance coverage.  
Pregnancy or infertility : Costs related to pregnancy, false pregnancy or infertility are excluded.  
Routine or preventive treatments such as vaccinations, flea, tick or worm treatments, grooming, preventive dental treatments or weight control treatments.  
Insurance for young dogs
< 8 years
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