Older Pet Insurance It's a Lot More Affordable If You Know What To Look For

Older Pet Insurance It's a Lot More Affordable If You Know What To Look For

Older pet insurance can be difficult to get and even harder to qualify for, depending on your pet's health. Like human health insurance companies, pet insurers are hesitant to cover geriatric pets due to the high probability of expensive health problems. However, that doesn't mean older pets can't be insured. They can be covered very economically if you can find the right coverage at the right time in your pet's life.

Fewer companies offer older pet insurance as compared to normal plans and policies. This is obvious due to the fact that older dogs are more prone to diseases like tumors, cancer, respiratory ailments, accidents and injuries, and infections. Most companies offer normal insurance plans to dogs that are up to eight years old. But then some of them do offer tailor made packages to suit your needs.

Explore Your Alternatives

Older pet insurance is definitely much different from regular insurance in the sense that much less is covered, the premium is generally very high and cover begins after a longer period. If your dog has been suffering from a disease prior to getting the insurance, it will not be covered. Sometimes older pet insurance can prove to be costlier than providing for the pet yourself. This is especially true if you purchase an insurance policy after your dog has been detected with a disease. In that case you will not only have to pay for the treatments from your pocket, but pay the insurance premium as well. So explore your options and alternatives thoroughly.

Choose the Right Plan

Older pet insurance is all about making smart choices, analyzing what is likely to happen and what will require more financial commitment. In spite of high premiums and a limited number of options you can come across a plan which overs a substantial amount of vet's fees. Their premium largely depends on the amount covered. Sometimes you might even get something as low as $20 a month but remember to stick to the bottom line: check whether the premium amount is worth what is covered and the additional cost you will incur from what is not.

Do look out for discounts and special offers. Some agencies also offer to customize insurance plans after evaluating your dog's current health status and medical history. These might be more beneficial than non-flexible policies as they are custom made according to your pet's requirements. But do remember that more often than not older pet insurance turns out to be more expensive than you would expect, even though it might not seem so from the figures that cross the eye.

Conclusion

Fewer companies insure geriatric pets as compared to normal plans and policies. This is obvious due to the fact that older dogs are more prone to diseases like tumors, cancer, respiratory ailments, accidents and injuries, and infections. Most companies offer normal insurance plans to dogs that are up to eight years old. But then some of them do offer tailor made packages to suit your needs for older pet insurance.