What age does dog insurance stop?

Asked by: Prof. Miguel Powlowski PhD  |  Last update: January 19, 2026
Score: 4.2/5 (23 votes)

This is because nearly all pet health insurance companies have age limits on pets, typically between 7 and 14 years. So, in addition to the increased risk of preexisting conditions that comes with waiting to enroll, your dog's age is worth considering. Trupanion enrolls dogs and cats of any breed up to 14 years of age.

What is the cutoff age for pet insurance?

The older your pet, the more difficult it may be to find insurance. Pet insurers with maximum age limits for new policies often set them at 10 years old, so if your pet is older than 10, you'll want to look for a company with a higher age limit or no limit.

What age do dogs stop being insured?

Many insurers stop offering new policies for pets once they are classed as being 'Senior'. This is often when they turn 8, but can be earlier for certain breeds of dog.

Can I get pet insurance for my 7 year old dog?

While there are a number of companies that sell pet health insurance for senior dogs, some of the best options include ASPCA, MetLife, Fetch, Embrace, and Healthy Paws. ASPCA doesn't have an upper age limit and offers its Complete Coverage to animals of all ages.

What pet insurance has no age limit?

There are no upper age limits, so Pumpkin will cover your pet no matter how old they are. This is great if you have a senior pet in your family or plan to adopt one. The company also allows you to see any licensed veterinarian in the U.S. or Canada.

Is Pet Insurance Worth It? | This Morning

28 related questions found

What is the age limit for dogs?

The aging profile of dogs varies according to their adult size (often determined by their breed): smaller breeds have an average lifespan of 10–15 years, with some even exceeding 18 years in age; medium breeds typically live for 10 to 13 years; and giant dog breeds have the lowest minimum lifespan, with an overall ...

How to get free pet insurance?

Unfortunately, free dog health insurance doesn't exist, but you may be able to get free, deferred, or reduced-cost veterinary care through charitable grants, . The good news is there are other options you can look into, such as charitable grants, crowdfunding, pooled funds like Pawp, CareCredit financing, etc.

Is my 7 year old dog a senior?

Small dogs are considered senior citizens of the canine community when they reach 11-12 years of age. Their medium-sized friends become seniors at 10 years of age. Their larger-sized colleagues are seniors at 8 years of age. And, finally, their giant-breed counterparts are seniors at 7 years old.

Which pet insurance is best for older dogs?

Best pet insurance for older dogs
  • Best for affordability: Pets Best.
  • Best for speedy claims processing: MetLife.
  • Best for pre-existing conditions: AKC Pet Insurance.
  • Best for direct payment: Figo.
  • Best for wellness plans: Spot.
  • Best for low deductibles: Embrace.

How old is a dog no longer considered a puppy?

In general, puppies become adult dogs between one and two years of age. But it's not like they wake up the morning of their first birthday and are suddenly grown-up dogs! In fact, puppy maturation is a process, and it varies from dog to dog depending on size, breed, socialization, and more.

At what age is pet insurance the cheapest?

Younger pets tend to cost less to insure than older ones. Since certain breeds of dogs and cats are prone to different medical issues, your pet's breed can affect your price as well.

Is it worth insuring a dog?

Pet insurance can cover the costs of treating your pet if they suffer from an illness or are injured in an accident and need treatment from a vet. It could save you from an unexpected – and potentially very high – bill. Depending on what type of cover you have, pet insurance could also help with: Dental care.

What is the oldest pet insurance?

The first pet insurance policy was written in 1890 in Sweden by Claes Virgin. Virgin was the founder of Länsförsäkrings Alliance, at that time he focused on horses and livestock. In 1947 the first pet insurance policy was sold in Britain.

What is the age cut off for Trupanion?

There's a good chance your pet is eligible for coverage with Trupanion. In fact, there are just two basic requirements to sign up with us: All cats and dogs under 14 years of age are eligible to enroll for lifelong coverage. You live in the US, Canada, or Puerto Rico (including US and Canadian military bases).

Is pet insurance worth it for younger dogs?

Consider buying pet insurance if: Your pet is young and healthy. You don't have enough savings to cover a hefty vet bill. Having insurance gives you peace of mind.

What is the difference between a mature dog and a senior dog?

Depending on their breed and size, most dogs are considered to be “mature adults” between 6 and 8 years old. In most cases, a dog older than 8 years will move into the senior category. While these age classifications can be helpful in guiding food choices, it's important to remember that animals are individuals.

Does pet insurance lower vet bills?

Key takeaways

Emergency vet care can cost anywhere from $250 to over $10,000, depending on the nature of the emergency and the treatment your pet needs. Pet insurance can reduce emergency costs, often covering 70 to 100 percent of the total bill after deductibles.

Can I get pet insurance for a 13 year old dog?

Yes, you can! MetLife Pet Insurance policies can cover senior dogs' annual veterinary visits and other relevant medical expenses related to accidents and illnesses.

What age is a dog considered old?

The following is a rough guide to when dogs are considered senior: Small dogs (under 20 lbs): between 7-10 years old. Medium dogs (21-50 lbs): from 7 years old. Large (51-90 lbs) and giant dogs (over 90 lbs): from 5-6 years old.

What size dog is considered large?

Which Dogs are Considered Large Breed? In order to easily tell the difference between breed sizes, dog breeders actually have a whole dog sizing system. Per this measurement method, a dog has to weigh at least 50 pounds (sometimes 70 pounds) and have a height of around 24 inches to be considered a large-breed dog.

At what age are you considered elderly?

Traditionally, the “elderly” are considered to be those persons age 65 and older. By that definition, in 1987 there were just over 30 million elderly people in the United States, more than 12 percent of the total U.S. population of nearly 252 million (Table 3.1).

What do vets do if you can't pay?

Many people assume veterinary offices will take away their pets or report them if the owner can't pay the bill. This is a myth. Veterinarians can't seize animals for unpaid vet bills. However, your vet can send your payments to a collection agency.

What organs shut down first when a dog is dying?

Organs like the liver and kidneys may slowly shut down, which makes your dog lose digestive functions. In the final 2-3 days, your dog is likely to completely refuse food. Your dog may develop a dry and sticky mouth due to dehydration. You may also notice vomiting.

How much is a vet visit for a dog without insurance near me?

If you're going in for a routine visit, expect to pay $50 to $250, though even that can vary depending on your location and which veterinarian you visit. Emergency veterinary visits for your dog can add up even more. The chart below displays the average cost for common veterinary services.