Is your pet getting on in age? Compare insurance options for your senior pet with Savvy.
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Looking into pet insurance for your beloved furry friend? Whether you have a playful pup or a curious cat, you can compare pet insurance options from a range of providers and find the perfect coverage that suits your pet's unique needs and your budget.
Fetch Care Plan |
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Pet insurance we think you’ll love. 24/7 vet support + dental, physio and behaviour cover added (see PDS) all in one app.More details |
Petsy Most Popular 80% Cover $150 Excess |
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Protect your furry friend with Petsy's pet insurance policy. Get a free quote.More details |
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Fetch Premium Plan |
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Pet insurance we think you’ll love. 24/7 vet support + dental, physio and behaviour cover added (see PDS) all in one app.More details |
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Multi-award winning pet insurance designed with the help of vets.More details |
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Petsy Value Cover 80% Cover $500 Excess |
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Protect your furry friend with Petsy's pet insurance policy. Get a free quote.More details |
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Petsy Top Cover |
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Protect your furry friend with Petsy's pet insurance policy. Get a free quote.More details |
Disclaimer: Savvy is not advising or recommending any particular product to you. We provide general information on products for the purposes of comparison, but your personal situation or goals are not considered here. Although we try to make our comparisons as thorough as possible, we do not have information on all products on the market on our site.
Savvy earns a commission each time a customer buys a pet insurance policy through our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via the individual pet insurance companies.
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As your pet ages, the likelihood of costly veterinary bills or unexpected expenses increases. As a result, finding suitable pet insurance for older animals can be challenging. Nevertheless, there are coverage options out there for senior pets. If you want to ensure your aging pet receives the care they deserve, you can compare seniors pet insurance options with Savvy today.
Seniors pet insurance is a pet insurance product geared towards older cats and dogs that are beyond a certain age – usually eight or nine years old. For some breeds such as pugs and greyhounds, which commonly experience health issues due to their unique physical traits, this age cut off can be even earlier. At this stage in a pet’s life, the risk of illness becomes higher, as does the potential cost of treating any issues. For this reason, many pet insurance companies will limit pet insurance for old dogs and cats.
In many cases, new senior pet policies are restricted to basic, accident-only coverage and will not cover pre-existing conditions or illnesses. You may also face higher premiums and a lower benefit percentage than on a regular policy, meaning you may have to pay a larger portion of your pet’s vet bills. However, if you take out pet insurance when your pet is younger and maintain continuous coverage, your pet will remain covered on this policy as it ages.
Restrictions aside, seniors pet insurance works in much the same way as regular pet insurance:
There are generally three main types of pet insurance: accident-only, accident and illness, and comprehensive. The table below outlines what these policy types do and do not cover. Please note that certain treatments and procedures are not included in any policy, such as grooming, elective procedures, day-to-day care, breeding-related costs and unnecessary medications.
| Policy type | Covers | Best for |
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Accident-only |
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Accident and illness |
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Comprehensive |
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If you are taking out a new policy for a cat or dog over nine years old, you might find that your options are limited to accident-only policies or those with limited illness cover. This means that while you will be covered for accidents, you will have to cover the cost of any illnesses not listed on your policy.
If you would like comprehensive cover, you will generally need to take out a policy before your cat or dog turns nine. If you take out a comprehensive policy before this point and maintain this cover, your pet will remain protected even as they get older. It’s therefore worthwhile thinking ahead when you get a pet to ensure they have the cover they need throughout their life.
This is the most basic type of pet insurance, covering costs for accidental injuries such as car accidents, poisoning, burns, fractures, snake and spider bites, but not illnesses and other conditions.
This type of insurance provides cover for accidental injuries as well as illnesses like cancer, gastrointestinal problems and eye, ear and skin conditions, but not routine care for your pet.
This offers the highest level of protection, covering accident and illness and potentially routine care such as vaccinations, dental care, worm and flea treatments and microchipping.
Our comparison service is free to use, providing you with a range of pet insurance quotes at no cost.
You'll be able to compare offers online side by side in a matter of minutes before you buy.
We’ve partnered with a range of pet insurers to give you more choice when selecting a policy.
Depending on your pet's breed, you might be able to save money on your pet insurance even as your animal ages. Certain breeds such as Pugs and Greyhounds are considered more susceptible to illness and therefore demand higher premiums for insurance coverage, but choosing a breed that is not considered ‘high risk’ may save you money.
Check whether your current or prospective insurer allows you to opt for a higher excess payment in the event of a claim, in exchange for lower monthly premiums.
Insuring your pet from a young age and maintaining that cover can save you money down the line. Taking out new policies on aging animals can be expensive and you might not get the cover you need.
Prevention is the best cure. By attending to the primary needs of your pet such as ensuring that it maintains a good diet and that health issues are addressed early, you can potentially reduce the costs of claims over time, and therefore enjoy lower premiums.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
