Your dog is part of the family, and as they get older we know it becomes even more important to get the best care for them and to find an insurer that will help pay for that care.  


But getting the right pet insurance for an older dog can be tricky. Some insurers don’t offer insurance for senior dogs, and there may be extra things you need to consider when compared to insuring a puppy.


Vet bills will likely increase, and your furry friend may have a pre-existing condition.


We explain how pet insurance changes as your dog ages, so you can take care of them in their twilight years, and focus on making memories together.

Can I get insurance for an older dog?

Yes, you can get pet insurance for senior dogs. When we refer to senior dogs, we mean dogs that are aged over 9 years old. 

Having the right cover in place can be more cost-effective, as you won't have to foot the bill for treatment for any conditions your pet may develop, as long as they are covered by your policy.

For full details, see your policy document

You’ll also have peace of mind that your canine companion will be well looked after if they have an accident or develop health issues, as your vet fees will be covered up to your chosen limit.

What sort of health conditions might my senior dog develop?

As your dog ages, their behaviour may start to change. They may no longer bound down the hall when they hear a delivery arriving, or dive into a pond when you’re out for a walk. Their health will change too, and they may develop certain conditions. 

It can be difficult to predict how much care they will need. However, these are some of the health issues that older dogs can be prone to:

gum disease






kidney disease

heart disease


Unfortunately, these conditions – and the likelihood of pet owners claiming on their insurance – tend to mean higher premiums for senior dog owners.

How much does pet insurance for an older dog cost?

Taking out a new policy for an older dog is likely to cost more than insuring a puppy. Of course, age isn’t the only thing that affects insurance premiums. The breed of the dog, and their health, will also be taken into consideration.

While pet insurance for dogs over 10 years old may be pricier compared to younger pups, it could work out cheaper than the unexpected vet bills, prescriptions and/or ongoing treatments.  

The level of vet fee cover will also determine the cost of the policy: a lower level will be cheaper than policies with a higher amount of cover. We have options ranging from £2,000 to £12,000.

Bear in mind that to keep prices affordable, many insurers require owners with senior dogs to make a “co-payment”. This is a percentage of the vet fees after the excess is deducted.

With John Lewis Pet Insurance, owners of pets aged nine years or over make a co-payment of 20%.


How can I reduce the cost of dog insurance?

It’s possible to reduce the cost of insurance premiums by selecting a lower level of vet fee cover, and/or tweaking the amount of excess

We offer excess options to suit your budget, helping you lower your premiums without any loss of cover. 

You can select an excess of £60, £80, £100, £140 or £250 (or £500 for vet fee levels of £5,000 and above) for the treatment of an accident or illness in each policy year. This allows you to choose a level of cover that best meets your needs. By choosing to pay more when you claim, we can bring your premium down.

Not yet covered by John Lewis Finance?

Get a quote for our comprehensive lifetime pet insurance by calling us on 0330 102 2490 or get a quote online.

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*For dental care up to your chosen Vet Fee limit. 
If your pet has a dental check every 12 months: once it has had its first check and your vet has done any necessary work, should your pet suffer from tooth decay or gum disease before the next 12-month check, or if tooth decay or gum disease are seen at the time of the next check, we pay.

If your pet doesn’t have a check every 12 months, or if the work required is not done, we will only pay;

1) For teeth or gums if they are damaged in an accident,

2) If an underlying illness causes tooth decay or gum disease, or

3) To remove teeth as treatment of an illness which is not gum disease or tooth decay.


John Lewis Finance and John Lewis Insurance are trading names of John Lewis plc. The John Lewis Registered office address is: 171 Victoria Street, London, SW1E 5NN. Registered in England and Wales no. 233462. John Lewis plc is an appointed representative (Financial Conduct Authority number 416011) of Royal & Sun Alliance Insurance Ltd. John Lewis Pet Insurance is underwritten by Royal & Sun Alliance Insurance Ltd (No. 93792). Registered in England and Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323).

Copyright © John Lewis Partnership
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