Pet insurance for older dogs and cats

Finding pet insurance for older dogs and cats can be tricky, but we've found ones that'll cover pets older than 9. Filter, compare and click through for a quote.

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Name Product Illness Maximum yearly benefit Reimbursement rate Annual limit per condition Maximum Age (Years)
Medibank Essential Pet Care
No limit
No age limit
Get 2 months free across your first year's insurance premium when you chews Medibank Pet Insurance. Sign up using promo code 2MF. T&Cs apply. Plus, Medibank and ahm health members save 10% every subsequent year.
Kogan Pet Primary Cover
No limit
Sign up and get your first month FREE plus $10 ongoing monthly credit. T&Cs apply.
PD Accident Plan
Apply online and get your first 1 month free. T&Cs apply.
Everyday Basic Cover
No limit
No maximum age
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Australian Seniors Basic Accident & Illness Cover
If you're over 50 get 10% off.
Guardian Bronze Accident & Illness Cover
No joining fee to pay.
RSPCA General Accident & Illness Cover
Covers your vet bills when your cat or dog suffers an accidental injury or illness. Get 1 month free for the first year of new policies. T&C's apply.
PIA Essentials Cover
Highest reimbursement rate out of PIA's policies. Get 2 months free when you sign up using the code PIA241. T&Cs apply.
Real Classic Accident & Illness Cover
Basic level of cover for injuries such as falls, car accidents, burns and snake bites. Get 10% of premiums back in the first 12 months.

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What types of insurance are available for older dogs and cats?

Pet insurers typically won't cover your pet with their most comprehensive plan. This is if because older dog and cats are more prone to illnesses.

However, there might be some circumstances where you can still get cover – for instance if they are still under 9 years old. There are generally 3 levels of insurance you can choose from:

  • Accident-only insurance. This is the lowest level of cover, and therefore usually the cheapest. It covers injuries caused by an accident including broken bones from a car accident, scratches, burns and snake bites. It won't pay for all types of accidents though.
  • Accident and illness cover. This protects your four-legged friend against accidents, sickness and disease. This can include cancer, infectious diseases, hereditary illnesses and skin conditions.
  • Comprehensive cover. If you're able to get comprehensive cover, you usually get similar protection against the accidents and illnesses outlined above, but they come with a higher benefit limit. This is the amount you can claim back for treatment. On top of that, you often get routine care, which can reimburse you for expenses like training, prescription diets, deworming and desexing.

Is there an age limit for pet insurance?

There isn't an age limit for pet insurance as long as your pet is insured and you keep paying your premium. But if you don't have pet insurance, you generally need to take a policy out before your dog or cat turns 9 or you won't be able to get comprehensive cover.

If your furry friend is over 9, don't worry. You should still be able to get a policy; you just won't be able to get comprehensive cover.

Pet insurance for dogs over 9

It's still possible to get pet insurance for a 9-year-old or older dog, but there are a couple of caveats:

  • You probably won't be covered for illnesses. Most insurers won't cover your pet for illnesses once they're over the age of 9 so if you're able to, take out a policy before your pet turns 8. If you do that, they'll usually cover you past the age of 9 as long as you keep paying your premiums.
  • Pre-existing conditions won't be covered. If you are able to take out illness cover, note that you won't be able to get cover for any pre-existing conditions. This sometimes means that you won't be covered for all conditions related to those illnesses and injuries. So if your pet shows any signs of a skin condition, all skin conditions will be excluded.
Once your dog or cat is older than 9, you probably won't be able to get a comprehensive pet insurance policy. However, that doesn't mean you can't still get a policy that offers good value. There are a few other important terms to look out for when searching for the best pet insurance policy for seniors. These are:
Number 1

Benefit limits

This is the maximum amount you can claim for. You get total annual benefit limits (the most you can claim for in total over the course of a year) but you also often get sub-benefit limits. This is the maximum amount you can claim for on specific treatments. For instance, there might be an annual benefit limit of $20,000 but a $1,000 sub-limit for tick paralysis. They can be easy to miss so keep an eye out when you're comparing.

Number 2

Benefit cover percentage

Sometimes known as the reimbursement rate, this is the percentage of a claim that the pet insurer will pay you. For instance, if you need to make a $1,000 claim for tick paralysis and your insurer has a 80% reimbursement rate, you'll still have to pay $200.

Number 3

Waiting periods

This is a specified length of time you need to hold your insurance policy for before they'll actually cover you. They only apply to illnesses and usually range from between 2 and 12 months.

Exclusions to look out for with an older dog or cat

Just like any other type of insurance, pet insurance doesn't cover everything. With an older dog or cat, this can really end up costing you a lot of money, so it pays to know what isn't usually covered. Common exclusions include:

  • Pre-existing conditions that your pet was showing signs of or has been diagnosed with before you got insurance
  • Organ transplant surgery, artificial limbs or prosthetics
  • Dental procedures or dental diseases
  • Treatment for diseases for which there is a known vaccine, including kennel cough and parvovirus
  • Preventative treatments and vaccinations like flea/tick control, unless you can get routine cover
  • Behavioural problems, or conditions that were caused by behavioural problems
  • Grooming, including shampoos, baths, dips or any cosmetic surgeries
  • Pet food or supplements, even ones recommended by your vet

You can find out more about specific pet insurance exclusions here

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