Direct answer
It depends on your current savings and the dog’s breed-specific health risks, as premiums for older pets are significantly higher and pre-existing conditions are almost always excluded. If you lack a substantial emergency fund for high-cost surgeries, insurance can prevent a difficult financial choice, but the monthly cost may exceed your total vet bills for a healthy senior pet.
Actuarial data provided by pet insurance industry trade associations regarding age-based premium increases. For additional information about industry trends and premium structures, see the North American Pet Health Insurance Association‘s annual state of the industry report.
What this means for you
It depends on your current savings and the dog’s breed-specific health risks, as premiums for older pets are significantly higher and pre-existing conditions are almost always excluded. If you lack a substantial emergency fund for high-cost surgeries, insurance can prevent a difficult financial choice, but the monthly cost may exceed your total vet bills for a healthy senior pet.
FARMER STOCKMAN
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This page is informational and not a coverage guarantee or quote.
