Best Pet Insurance For Older Dogs UK

1st December 2018by Joanna White

When it comes to looking after your beloved pet, there are many ways that you can ensure that they’re well protected and covered in every eventuality.

Pet insurance for older dogs is just as (if not more so) important as they start to experience more illnesses and injuries due to old age.

There are so many options and providers to choose from, and it’s important to get the best cover possible for your older dog. Take a look below to see some of our recommendations for the best pet insurance for older dogs in the UK.

Pet insurance provider Maximum vet fees Discounts
Bought By Many £15,000 per year 15% multi-pet discount
More Than £12,000 per year 15% online discount
John Lewis £12,000 per year 10% online, 5% multi-pet discount
E&L £6,000 per year 45% online, 10% multi-pet discount
Argos £7,000 per year 10% online, multi-pet discount

Bought By Many

Bought By Many are featured a lot on our reviews and round-up posts, and for good reason. Their insurance policies are some of the very best in the business.

Their pet insurance for older dogs is no different and you can be sure that your pet will be well looked after with all of Bought By Many’s policies.

Cover for pre-existing conditions

Potentially one of the greatest benefits of taking out pet insurance for older dogs with Bought By Many is the fact that they’re one of the very few pet insurance providers who actually cover pre-existing conditions.

This is obviously a great thing as older dogs are more likely to suffer with pre-existing conditions when you go to take out a new policy, so Bought By Many would be the perfect option for you.

Money Back policy

Another excellent feature of Bought By Many pet insurance for older dogs is that they have a Money Back policy.

This means for each year that you do not claim, they will pay you back 20% of your policy!


  • 15% multi-pet discount
  • Money Back policy
  • Cover for pre-existing conditions


  • No online discount available

Bought By Many can offer you great offers on your older dog policy as well as excellent maximum vet fees of £15,000 per year.

More Than

More Than offer a range a vast range of insurances including car insurance, travel insurance and pet insurance.

Their pet insurance is ideal for older dogs as you can take advantage of their online discount in order to save you money, all the while ensuring your pet is well covered.

Insurance for older dogs

More Than don’t stop your insurance policy for your dog just because they’re getting older. However, it is important to bear in mind that when they turn 9 years old, they’ll stop being covered due to death as the result of an illness.

With More Than’s pet insurance for older dogs, you can receive ongoing care and treatment for some pre-existing conditions.

15% online discount

While you’re ensuring that your older dog gets the best possible pet insurance policy, you can also save yourself some money!

More Than offer new customers a 15% discount on the price of their policy when they buy online.


  • Excellent online discount
  • Help and advice vetfone
  • Four levels of cover available


  • Cover for death due to illness stops at 9 years old

With More Than pet insurance, you can choose from their four different types of cover; accident only, basic, classic and premier.

Whichever you choose, you can rest-assured that your older dog will be well covered.

John Lewis

John Lewis’ pet insurance cover starts from the age of just 8 weeks old for your dog.

This means you can protect them from a very young age, all the way up until the end of their life, so you don’t have to worry about them not being covered for the entirety of their life.

Up to £12,000 in vet fees each year

As well as offering up to £12,000 in vet fees each year, John Lewis also offer to pay your vet directly for your added convenience.

As long as the accounts are set up correctly for your vet to receive the payments from your insurance, then John Lewis can remove you as the middle man and pay your vet directly.

Three levels of cover

John Lewis offer three levels of cover for you to choose from when it comes to insuring your pet.

You can opt for essential, plus and premier cover, all of which provide excellent cover and care for your older dog.


  • Up to £3 million in liability cover
  • Emergency dental care
  • Up to £12,000 in vet fees each year


  • An increase in vet costs as your dog gets older

John Lewis are an incredibly prestigious brand in many aspects. They also offer great pet insurance that will see your older dog looked after all throughout the course of its life.


E&L are one of the few pet insurance providers who provide specific cover for older dogs.

They’ll provide your older dog with comprehensive cover across a range of premiums and varying levels of cover.

Up to 45% off online

This is one of the best online discounts from a pet insurance provider; with 45% off online and a 10% multi-pet discount, you can insure your older dog and save some money in the process!

It’s imperative to ensure that your older dog has fully comprehensive insurance as they get older, and it’s even better to do it when you can save plenty of money on your policy.

Up to £6,000 in vet fees

E&L can provide you with up to £6,000 in vet fees a year, so that your dog is covered in the event of an accident or injury whereby they need emergency treatment.

Depending on the level of senior dog insurance you go for, the amount of vet fees you’ll receive will vary.


  • Incredible online discount
  • Multi-pet discount
  • Specific senior dog insurance


  • Maximum vet fees of only £6,000

E&L can provide your older dog with specific and tailored pet insurance to suit yours and your pet’s needs.


When you think of Argos, your instant thought probably isn’t to do with pet insurance, but you’ll be pleasantly surprised to know that they offer great pet insurance for older dogs.

They also have great discounts available, so you can insure your pet while saving money.

Four types of pet insurance

Argos offer four different types of pet insurance to choose from; accident only, time limited, maximum benefit and lifetime.

Each of these policies differ in what they can offer you and your pet, but they will still all provide ample cover and protection for your older dog.

10% multi-pet discount

If you have more than one pet that needs insuring, then you can take advantage of Argos’ multi-pet discount.

You can save 10% on your insurance policy when your insure more than one dog (or cat) with Argos.


  • Multi-pet discount
  • Different types of pet insurance cover
  • Insurance starts from as little as 8 weeks old


  • Phone lines not open 24/7 so you can’t contact them whenever you need

Argos are a surprising contender for the best pet insurance for older dogs in the UK, but they do in fact have excellent policies available for older dogs.

What you need to know

When you’re looking to compare the best pet insurance for older dogs in the UK, there are several things that you should take into consideration.

Take a look below at some of the important points that you need to remember.

Is pet insurance more expensive for older animals?

Oftentimes, pet insurance can be a little more expensive for older dogs as they are generally considered to be more at risk of diseases and illnesses.

They may also be more prone to getting into an accident or injuring themselves due to their age as they’re often clumsier and more unbalanced.

You can find excellent deals to compare when it comes to insuring your older pet, so while many may offer higher costs of insurance, there will be a few bargains to be struck with some providers.

Types of pet insurance

There are four main types of pet insurance to choose from, both for older and younger pets.


Lifetime pet insurance does exactly what it says on the tin; it will cover your dog for the entirety of its life.

As long as you renew the policy every year and ensure that you continue to make the repayments, then your dog will be covered for almost every eventuality. Agria Pet Insurance is known as one of the best in the industry for Life time Pet Insurance


Accident-only pet insurance is usually the least comprehensive type of insurance, but it will still ensure that your beloved dog is covered in the event of an accident.

While accident-only pet insurance is ideal for younger dogs, it might not be the best option for older dogs as it doesn’t offer as much protection as other types of insurance.

Maximum benefit policy

A maximum benefit policy is considered to be a mid-range option when it comes to pet insurance.

This type of pet insurance will allow you to claim every year for your pet, up to a specified set amount.


Time-limited pet insurance is usually thought to be the best for younger dogs, but it can still work well for older dogs too.

You can make a claim for a certain condition that is covered by your provider, up to a certain amount of money, during a 12 month period.

Conclusion – best pet insurance for older dogs UK

There are many options when it comes to obtaining pet insurance for older dogs in the UK. With so many competitors, it can be hard to know which one the best is.

Once you’ve weighed up the pros and cons of each pet insurance provider, you’ll be able to make a well-informed decision about which one is the best option for you and your older dog.

It’s also very important to take into consideration all the factors that can help to influence your decision when it comes to pet insurance to make sure you get the best one for both you and your pet.