What pet insurance plan is best for my older pet?

   

Jade Poole from I write words

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What pet insurance plan is best for my older pet

Picking a pet insurance plan can be tricky. If you are the proud pet parent of an older cat or dog, we walk you through the basics and give you our top suggestions for choosing a suitable plan.

It’s no secret that the older our pets get, the more likely they are to get sick. Dogs experience the health risks that come with aging the same way that we as humans have our health decline the older we get (no matter how many supplements we take or doctors we visit), there is no fighting the battle of getting older.

And whilst your gorgeously grey pet might seem to spend more time lounging around and showering you in cuddles, making you feel as though their health is not all that bad, you never know when the next vet bill might whack your wallet.

When to get pet insurance

The best time to get pet insurance is when your pet is young and in good health. This is because having pet healthcare cover in place will not only help protect you from surprise costs, but it also means that you will not be subject to waiting periods for pre-existing conditions that are typically present in older dogs.

And what’s more, having pet insurance with cover for vet visits and routine care can significantly improve your pet’s overall health and perhaps even extend their life.

Of course, not everyone gets pet insurance at the right time (i.e. when our pets are in good health), and in a number of cases, pet parents only purchase a pet insurance plan once their eyes are opened to the expensive costs of veterinary care. So, if you find yourself with an older furry member of the family, then here’s what you need to know.

Pet insurance and age limits

Now, if you are thinking that perhaps your pet is too old for pet insurance, as there are certain age limits that apply. With us, pets must be older than 8 weeks and younger than 9 years.

Pet insurance for senior pets: If your pet is younger than 9 years old

Most vets categorise pets are seniors when they are around 7 or 8 years old, however, this is also dependent on the breed of your pet.

If your precious pet is younger than nine years old, but he or she is starting to look a little grey in the face, then you are likely to be in for a few upcoming vet bills.

Increased veterinary care

In general, older pets need more check-ups at the vet and as mentioned, are more likely to suffer from chronic illnesses such as cancer, arthritis, heart disease, diabetes, joint or bone disease - to name a few.

If you know your pet is getting older then the best thing you can do to prolong your pets life and save your bank account is to invest in a comprehensive pet insurance plan.

Senior pets require two vet visits a year, as opposed to younger dogs who only need one. This is so that your vet can detect and treat any underlying concerns (i.e. cancer) before they develop into more serious and more expensive issues.

Senior pet exams are more in-depth compared to those for younger pets. Check-ups typically include bloodwork, dental care and special checks to detect any physical signs of disease.

In knowing this, you’re probably starting to get an idea of how visits to the vet will significantly increase the older your pet gets. Which is why we would recommend choosing a pet insurance plan that includes cover for vet visits and wellness care such as vaccinations and dental cleanings.

Which is why we recommend choosing our... Drum roll, please…

Pet Super Plan

The basics of this plan

This plan is pretty purrfect for senior pets specifically as it includes amazing benefits and cover for routine care and vet visits.

For only R430 a month for your dog and R410 a month for your cat, this plan includes cover for:

  1. Accidents - Up to R55 000
  2. Illnesses - Up to R50 000
  3. Vet visits - Up to R1 450 per visit (4 visits permitted each year)
  4. Routine care - R850 per annum
  5. Kennel fees - If something happens to you and you are hospitalised and cannot look after your pet

**Please note that the costs mentioned here are representative of the date that this article was written. For updated pricing, please click here.

Check this out: Does pet insurance cover my senior dog's chronic medication?

Boost your routine care coverage

As with our Pet Hospital Plan (as well as our Pet Super Plan), you can boost your routine care benefits when you purchase our Routine Care Plus product.

With this, for only R85 extra a month, you will receive an additional R850 in cover for routine care after a waiting period of 6 months (starting from the date you decide to purchase this additional product).

The great part about this is that with Routine Care Plus, this automatically includes our Excess Buster which means you can waive hospital excess fees.

Pet insurance for senior pets: If your pet is older than 9 years old

So, what happens if you have a pet who is older than 9 years of age? Can you still purchase a pet insurance plan? Of course, you can!

Our Pet Accident plan only costs R60 a month for your cat or your dog and gives you up to R8 000 in accident cover every year!

And although you cannot claim for day-to-day events such as vet visits or wellness care, you can still rest easy knowing your pet is covered for when it matters most. And the best part? With us, your pet is covered for life. Meaning we can all grow old together, which if you ask us, is pretty pawfect.

Yours in quality pet insurance designed with your pet in mind,

Oneplan 


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