Pet Insurance
For Older Dogs

Insurance plans with no age limit designed to protect dogs in their senior years of life

ICA Badge
ICA Badge

Insuring your older dog

Treating older pets can be complicated, making vet bills costly. Just like us, as dogs get older, they are prone to age related illnesses. They may not recover as quickly from an accident as they once did in their younger years and understandably, need more care to aid their recovery. Should your senior dog have an accident or develop a medical condition, a Perfect Pet policy can help cover vet bills in an emergency and take the financial pressure off, so you can concentrate on getting your dog better.

Cover available from 4 weeks old

No Upper age limit

97% of claims paid in just 5 working days

Over 20 years’ experience in pet insurance

Older dog insurance with no upper age limit

Whilst many pet insurers withdraw their offering when a dog reaches a certain age, typically 8 years old, we do not! As fellow dog lovers with over 20 years pet insurance experience, we see dogs as family and believe they have a right to be protected for the duration of their lives. As such, we do not have an upper age limit and offer a range of policies designed to accommodate the needs of older dogs.

Get cover up to £4,000 per condition with NO LIMIT on the number on the number of conditions you can claim for.
T&Cs apply.

What types of older dog insurance can I get?

We offer five different types of dog insurance with varying cover benefits and limits, so that owners of senior dogs are not limited in being able to afford protection for their pet. When you get a quote with us, we take into consideration your dog’s age and breed, along with your dog’s insurance requirements. You can explore the different types of pet insurance we offer to help you decide which is most suitable for your older dog.
Insurance Plan

Lifetime Cover

You can claim year after year for each illness or accident your pet develops, providing you renew annually with no break in cover.

Insurance Plan

Max Benefit

Protect your pet against injuries and illness up to a pre-set limit with no time restriction, providing the policy is active.

Insurance Plan

Time Limited

Cover your pet for injuries and illness for a limited period up to 365 days.

Insurance Plan

Accident Only

Insure your pet against injuries and complications arising from accidents only.

We can pay
your vet direct

We can pay your vet direct, giving you one less thing to worry about during what can be an anxious time. If your vet accepts direct payment, we can deposit funds straight into their account, saving you the worry of having to find money to pay large vet bills.

Subject to claim approval

Things you should know about
older dog insurance

We feel it’s only right that we point out some key terms when it comes to buying a Perfect Pet policy for your older dog. Here’s what you should know:

New Customers

New Customers

When taking out a Perfect Pet policy for the first time, a 14-day waiting period at the start of your policy will apply. This means that any diagnosed illnesses or noted symptoms made during this period will not be covered. Cover for accidents will become active after 5 days.

Policy Renewal

Policy Renewal

When you renew your Perfect Pet insurance policy, providing you do not have a break in cover, you will not be subject to any waiting periods and will have continuous cover. We will remind you 21 days before your policy expires. If you’ve agreed to Continuous Payment Authority (CPA), we will renew your policy automatically unless you tell us otherwise. Please be aware, as a dog get older, insurance premiums may increase to accommodate the risk of age-related illness.



To help keep our premiums affordable for senior pets, when your dog is 8 years or older, a contribution towards each vet bill is payable, known as a co-payment. The co-payment amount is 15% in addition to any applicable excess, which will be deducted from the policy limit.

Policy Exclusions

Policy Exclusions

Any conditions or symptoms that existed before taking out a Perfect Pet policy are excluded from the cover. This exclusion also applies to conditions that develop and are related in any way to a pre-existing condition. Dental and oral treatment, unless caused by an accidental injury is also not covered. A full list of exclusions can be found in our policy wordings >

Policy terms and conditions vary. Please read the wording of the specific policy you intend to purchase for full terms and conditions.

Great value

“Easy to deal with, great value and amazing plans to choose from, highly recommended.”

Linda Williams

Multi-Pet discount

Save when buying Lifetime, Maximum Benefit or Time Limited cover for more than one pet. If you have multiple dogs or perhaps cats too, add them when getting a quote to receive a 15% discount. Terms and Conditions apply.

*Policies must be purchased direct and at the same time. Accident Only and Third Party Liability Only policies are excluded from the multi-pet discount offer.