Best Pet Insurance Companies

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pet health for elderly pets

As pets age, you may need to visit the vet more than you did when your pet was younger. Older pets are living longer and longer because vet medical care has gotten better and better over the years. Unfortunately, many pet parents wait until their pet has an accident or illness before they purchase pet insurance, but pet insurance can be very beneficial during times of crisis because you are not forced to choose between your pet’s care and your wallet.

When it comes to pet insurance, there are many options. We’ve compiled a list of the top pet insurance companies to consider for older pets. In many cases, if you have waited until your pet is older to get pet insurance, you may be required to get a check up for your pet, and in other cases there may be a waiting period for coverage, but it is still worth it because medical expenses can add up quickly.

Top Rated by Consumers

Embrace Pet Insurance offers an accident and illness plan, plus it offers a separate wellness plan for routine medical expenses. Monthly premiums start as low as $10 per month for cats and $16 per month for dogs. You can choose your deductible anywhere from $200 up to $1,000. Benefit limits can be selected for 70% up to 90% of annual costs. Age limit is 14 years of age. 


  • Diminishing deductible
  • Claims processed / paid quickly
  • Extra reimbursements
  • Optional wellness plan

Petfirst Pet Insurance is a good option if you are looking for a lower cost insurance plan for your elderly pet. Plans start as low as $6 per month for cats and $12 per month for dogs. Petfirst has an annual maximum they will pay per year, which means if your pet develops a chronic illness that requires a lot of medication or expensive treatments, this may not be your best option because only so much is paid per year. The clock does reset at the beginning of the year though so some may find that the monthly cost is worth the maximum yearly benefit. Since there is no maximum age limit and no exam required to start coverage, this may be a best bet for an older pet. 


  • No maximum age limit
  • Two week claim turnaround
  • No exam required to start coverage
  • Short waiting periods
  • Optional routine care rider

Healthy Paws Pet Insurance also has a maximum age limit of 14 years with premiums ranging from $25 per month for cats and $35 per month for dogs. However there is no annual maximum on the amount of benefits to be paid, which means if your pet has a serious health condition that requires a lot of medication or treatments, or surgeries, your plan will pay as long as you meet your deductible. 


  • Annual deductible
  • Quick claim processing
  • No annual maximum
  • Flexible deductible and coverage options

Trupanion is similar to some of the other pet insurance companies but one major difference is it offers additional rider options that include things like physical therapy, alternative treatments and much more. It does offer an age restriction of 14 years but it has deductibles as low as $0 up to $1,000. Premiums are as low as $22 per month for cats and $36 per month for dogs and covers 90% of services after deductibles are met. 


  • No payout limits
  • Customized deductible
  • Riders for enhanced care
  • 90% of services after deductible

Most pet insurance plans have maximum benefit limits either per year or per lifetime. When choosing a pet insurance company, be leery of lifetime limits because if a pet develops a chronic illness like diabetes, arthritis, or heart disease, lifetime limits won’t get you too far in terms of coverage. Be sure when choosing a plan that you ask questions about plan limitations before signing up. Some pet insurance companies have no maximum benefit limits which is much better if your pet develops a chronic condition that requires expensive regular care. 

Our pets are part of our family and no pet parent wants to choose between their pet’s care and their wallet. Pet insurance will give you the piece of mind that you will be able to care for your pet regardless of whether they develop a short term or long term illness. Be prepared, some illnesses are very expensive to treat and pet insurance, albeit a monthly cost, can help drastically defray those costs over time. Don’t wait until your pet gets sick, consider your pet insurance options and choose the best one for your financial situation and comfort level. 

Still undecided if pet insurance is right for your elderly pet? Read our pet insurance facts.