Pet Insurance for Older Dogs UK 2025

Introduction

As dogs get older, their risk of illness and long-term conditions increases — and so does the cost of cover. That’s why pet insurance for older dogs UK 2025 is a common search. Many owners want to know if it’s still possible to find affordable protection, which policies are available, and what exclusions apply once a dog reaches senior age.

In this guide, we’ll explain the options for insuring an older dog, typical pricing, which providers accept senior pets, and how to balance cost against cover.

At What Age Is a Dog “Older” for Insurance?

Most insurers classify dogs as older from age 7 or 8, though this varies by breed:

Small breeds (e.g., Terriers, Spaniels): often considered senior from age 8.
Large breeds (e.g., Labradors, German Shepherds): may be classed as older from age 6–7, due to shorter average lifespans.
Giant breeds (e.g., Great Danes): can be considered senior from as early as 5.

Once your dog is classed as “older,” premiums rise more steeply, and some insurers stop offering new cover.

Challenges of Insuring Older Dogs

Fewer providers: some insurers won’t take on new policies for older dogs.
Higher premiums: monthly costs can double or triple compared to younger dogs.
Co-payments: insurers often add a percentage-based co-pay (e.g., 20% of vet fees) on top of the excess.
Exclusions: pre-existing conditions are never covered; some policies exclude hereditary or age-related conditions.
Renewal increases: premiums continue to rise each year, even if you don’t claim.

What Types of Cover Are Available?

Accident-Only

Cheapest, sometimes available for senior dogs.
Covers accidents but not illness.
Premiums from £10–15/month, but limited value for older dogs prone to health conditions.

Time-Limited

Provides illness and accident cover for 12 months per condition.
Still available for older dogs with some providers.
Premiums from £20–30/month, but chronic conditions won’t be covered beyond 12 months.

Maximum Benefit

Gives a set pot per condition, e.g., £2,000.
Once used, that condition is excluded forever.
Premiums often £30–50/month+ for older dogs.

Lifetime

The most comprehensive, covering ongoing conditions year after year (subject to renewal).
Premiums for older dogs can be £50–100+/month, depending on breed and age.
Some providers impose higher excesses and co-pays.

Which Insurers Cover Older Dogs in 2025?

Here are examples of UK insurers still offering policies to senior dogs (availability varies):

Provider	Upper Age Limit for New Policies	Notes
Animal Friends	No upper age limit	Popular budget-friendly provider
Petplan	No upper age limit	Comprehensive Lifetime cover
ManyPets	No upper age limit	Covers some pre-existing conditions if managed
Agria	No upper age limit	Lifetime-only policies
Tesco Bank	Up to age 8 (dogs)	Existing customers can renew beyond this

How Much Does Pet Insurance for Older Dogs Cost?

Costs vary hugely by breed, age and location. Here are rough monthly ranges (2025 estimates):

8-year-old medium mixed breed:
Accident-Only: £12–15
Time-Limited: £25–30
Lifetime: £50–70
10-year-old Labrador Retriever:
Accident-Only: £15–20
Maximum Benefit: £40–60
Lifetime: £80–100+
12-year-old small terrier:
Accident-Only: £12–18
Time-Limited: £25–35
Lifetime: £60–80

Tips for Getting Affordable Cover

Start early: taking insurance before your dog is classed as “older” avoids restrictions.
Compare providers: supermarket brands like Tesco and ASDA may stop cover earlier, while specialist insurers continue.
Accept co-pays: many older-dog policies require owners to pay 20% of vet fees, which can reduce premiums.
Consider lifetime cover: though expensive, it may be the only way to cover chronic conditions.
Balance premium vs. risk: accident-only may save money, but could leave you uncovered for illness.

Alternatives to Insurance

If premiums are unaffordable, alternatives include:

Savings account: set aside money each month to build a vet fund.
Charity support: some UK charities help with treatment costs for owners on low incomes.
Credit/finance: some vet practices offer payment plans.

Pros and Cons of Insuring Older Dogs

Pros

Peace of mind against unexpected bills
Lifetime cover can protect against chronic illnesses
Multi-pet discounts may apply

Cons

High monthly premiums
Mandatory co-pays on many policies
Limited availability from some providers
Pre-existing conditions excluded

Related Guides

FAQ

Can I insure my dog if it’s over 10 years old?

Yes, some providers like Petplan, Animal Friends and Agria accept new policies for dogs over 10, though premiums are higher.

What is the best pet insurance for older dogs?

Lifetime cover offers the best long-term protection, though it’s also the most expensive. Accident-only or time-limited are cheaper alternatives.

Do all insurers cover senior dogs?

No, many supermarket brands stop taking new policies for dogs over 7–8 years old.

Are pre-existing conditions covered for older dogs?

No, pre-existing conditions are excluded, but some providers cover “pre-existing but stable” conditions if no treatment has been needed for 2+ years.

Why is older dog insurance so expensive?

Older dogs are more likely to need vet care, so insurers raise premiums and add co-pays to balance the risk.

Can I switch providers with an older dog?

Yes, but switching usually resets exclusions, so existing conditions won’t be covered by the new insurer.

Conclusion

Finding pet insurance for older dogs UK 2025 can be challenging, but it’s not impossible. Providers like Petplan, Animal Friends, Agria and ManyPets still offer policies without upper age limits, though premiums are higher and co-pays are common.

If you want comprehensive cover, Lifetime is best — but expensive. Accident-only or time-limited policies may be cheaper, though they carry greater risk. Ultimately, the right choice depends on your budget, your dog’s health, and how much peace of mind you want.