How pet insurance changes as your pet ages

Premiums, coverage and exclusions all shift as pets get older. Here is what to expect.

By the InsuranU team Updated July 20263 min read

Pet insurance is not static. As your pet ages, expect real changes in both price and coverage.

Premiums rise with age

Older pets carry higher risk, so premiums typically increase at each renewal as your pet gets older, regardless of insurer.

Any condition diagnosed after enrollment can become a pre-existing exclusion for future renewals, which is one reason continuous coverage matters.

A few insurers will not enroll pets past a certain age, so switching providers later in life can be harder than staying put.

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A yearly check to keep coverage current.

What to watch for if you change providers.

See the real ranges, with a live estimator.

Will my premium keep rising every year?

Likely yes, as your pet ages, though the increase varies by insurer.

Can I be dropped for being too old?

Some insurers cap new enrollments by age, but existing policyholders are typically not dropped for aging.

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