senior dog insurance

Coverage for their golden years.

  • No upper-age restrictions
  • Access to 24/7 telehealth service
  • Prescription meds covered for eligible conditions

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pet plans for the health of your senior dog

Complete CoverageSM for Senior Dogs

When your senior dog has unexpected

  • Accidents

    Coverage for bite wounds, lacerations, lameness, swallowed objects, and more

  • Behavioral Issues

    Eligible diagnosis and treatments for behavioral problems with symptoms like excessive barking

  • Hereditary Conditions

    Inherited disorders such as hip dysplasia and diabetes

  • Illnesses

    Includes minor ailments like colds to serious diseases like cancer

Complete CoverageSM can cover

  • Diagnostics

    Think X-rays, MRI, blood tests, urinalysis, ultrasounds, etc.

  • Therapies

    Includes acupuncture, PT, and other therapies for covered conditions

  • Treatments

    Get reimbursed for treatments like surgery and hospitalization

  • Prescriptions

    Get reimbursed for your senior dog’s FDA-approved meds*

For a full list of covered conditions, view a sample plan.

Alternate & Add-On Plans

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why get coverage?

Senior dogs have had a lifetime of adventures, making them mature, loyal, and wise beyond their years. But as they age, their silvered noses and time-tested tails can also lead to more health issues, like hip dysplasia, arthritis, even cancer. That’s why the best time to get a pet insurance plan for your senior canine companion is now. With coverage for potential problems down the road, you can rest easy and enjoy all the bittersweet moments of owning a senior dog without worrying about unexpected expenses. Give your senior dog the golden years they deserve and get peace of mind knowing they’re protected for covered conditions with a plan from the ASPCA® Pet Health Insurance program.

FAQs frequently asked questions about our senior dog insurance plans

Yes! While it’s best to enroll your dog when they’re young, senior dogs are still prime candidates for pet insurance. The ASPCA® Pet Health Insurance programs covers dogs as young as 8 weeks old up through their final years.

Unlike other providers, there are no upper-age restrictions for enrolling in an ASPCA® Pet Health Insurance plan, and we don’t limit or reduce your coverage, so your senior dog can get the care they require in their golden years.

Absolutely. Like us humans, as a dog enters their golden years, they’re at a higher risk of developing a serious illness or having an unexpected accident. They’ll likely require more frequent visits to the vet and costly treatments like prescription medications or alternative therapies. By paying you back for eligible expenses, a Complete Coverage℠ plan lets you focus on your senior dog’s care, not the cost of it, so you can help them live a happier, healthier, longer life.

The cost of getting your dog enrolled in a dog insurance plan depends on a few factors, including their age, breed, plan choice, and zip code. Age plays a part because older dogs often have more health issues than younger ones. This means they might require more frequent and expensive visits to the vet.

However, with an ASPCA® Pet Health Insurance plan, you have the power to customize your plan by choosing your own annual limit, annual deductible, and reimbursement percentage, all of which play into keeping your monthly premium low. To get a tailor-made price for your seasoned pup, get a free quote!

The perfect dog insurance plan for your senior friend all comes down to the specific coverage they need. If you want protection against accidents, illnesses, and more, our Complete Coverage℠ plan could be just what you're looking for. But if accidents are your main concern, or if you're on a tighter budget, our Accident-Only plan offers lower costs and specifically reimburses you for emergency injuries and accidents.

customize your plan to help fit your budget

  • Annual Limit

    Select a lower annual limit to pay a lower premium.

  • Annual Deductible

    Pick from $100, $250, and $500 annual deductible options.

  • Reimbursement Percentage

    Choose a higher reimbursement percentage for more cash back on covered conditions.

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getting reimbursed is as easy as 1-2-3

  • Visit

    Take your senior dog to the veterinarian of your choice and pay them as usual.

  • Submit

    Use our app to submit a claim even before you leave the veterinary clinic.

  • Cash Back

    Receive reimbursement for eligible expenses by direct deposit or check.

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A man walking his dog on a path in a serene setting, surrounded by nature's beauty.