Pet insurance for the older dog
Pet insurance is easily obtainable for elderly dogs – the issue is not availability, but cost. Unfortunately, it’s a sad fact that as dogs get older they are more likely to visit the vet for treatment. Each trip to the local practice comes at a price, so insurance companies cover themselves by charging a higher premium for older pets.
The graph below shows how the premium for a Buddies pet insurance policy changes over the years.* It records the cost of insuring a Labrador Retriever from early adulthood to old age. Premiums start at under £15 a month and rise gradually, reaching around £18 a month by the age of five. At 10 years of age the price is £30 a month, topping out at £40 a month for a 14 year old dog.
Owners of older dogs need to think about taking measures to minimise the problems of age related conditions. As well as considering six-monthly check ups at the vets, owners should feel their dog’s coat for lumps at least once a week.
Changes in behaviour can also be an early warning sign of a medical problem, including:
Arthritis – a common condition in older dogs. While there are medical
treatments available, owners can help manage arthritic pain by maintaining a pet’s regular daily exercise routine and massaging the affected joints.
Deafness – an unfortunate affliction of old age. While dog hearing aids are being developed, a more practical approach is to teach simple hand signals before the condition deteriorates.
Diabetes – special diets and insulin treatments are available for the condition, but late onset diabetes can be dealt with through exercise and sensible eating. A healthy regime will also help prevent heart disease.
Incontinence – due to slackening of the muscles that hold the urethera shut. A condition that can be treated with medication from the vet.
Cataracts – a clouding of the lens of the eye. Can be treated with surgery.
* Labrador Retriever, living in PL31 postcode, prices at 3/12/07






