It is common to encounter a refusal from an animal health insurance company when you want to insure your dog over 8 years old. This is an age limit frequently imposed by professionals, especially for large dogs. However, it is important to be able to guarantee your faithful companion sufficient coverage to ensure their health at a lower cost. Insuring an elderly dog ​​sometimes causing difficulties, it is much wiser to think about taking out a contract when the animal is still very young.

An age limit depending on the breed of the dog

If you have not taken care to insure your puppy or when you welcome an adult dog into your family, finding a company that agrees to take out a contract can quickly become problematic. Many animal insurance plans refuse to insure a dog over 8 years old. However, you should know that the age limit imposed by animal insurers can be intrinsically linked to the breed of the dog. Indeed, all dogs do not have the same life expectancy. This limit, set at more than 8 years, generally concerns large dogs. The restriction is even worse for dogs of giant breeds since they are refused any contract by some companies beyond 5 years!

Among large dogs we find for example:

  • The German Shepherd,
  • Akita,
  • The Doberman,
  • The Boxer,
  • Hamilton’s Hound,
  • The Tibetan Mastiff,
  • The Weimaraner,
  • The Spanish Greyhound,
  • The Short-haired Collie,
  • The Gordon Setter.

As for the giant breed dogs sometimes listed as “very large dogs”, these include the Great Dane, Borzoi, Caucasian Shepherd, Great Swiss Bouvier, Greyhound, Afghan Hound, and Mastiff, among others.

All of these dogs should be insured as soon as possible. Veterinary supervision from an early age is essential to allow them to stay in perfect health throughout their lives. The pathologies to which they are particularly vulnerable are therefore more likely to be detected early during a simple consultation. This can save their lives and will prevent their master from unbalancing the family budget due to long and expensive care.

Diseases of large dogs

Large dogs have a relatively short life expectancy – at least on average – because they are more vulnerable to certain conditions than dogs of medium and small breeds. These diseases of the big dog are numerous. For example, we commonly find:

  • Hip dysplasia: it is among the most common hereditary diseases encountered in large and giant dogs. With age, the animal suffers more and more and ends up being disabled. This pathology requires long veterinary follow-up or even physiotherapy sessions.
  • Stomach torsion dilation syndrome (SDTE): it occurs spontaneously and is very often life-threatening in dogs. Treatments exist such as drugs, infusions, even surgery. But this requires action in the extreme to save the dog’s life.
  • Osteosarcoma: This is a bone cancer that very often involves the amputation of the animal. The care is heavy since the dog must undergo chemotherapy. This serious illness is usually fatal within a year. The dog died despite being taken care of by a veterinarian because his lungs were affected by metastases.
  • Hypothyroidism: it has its origin in a dysfunction of the thyroid gland. Common in large dogs, it also affects medium-sized dogs. It involves lifelong treatment.
  • Aortic stenosis: this pathology is due to a malformation of the heart. Depending on the severity of the disease, the dog may be exposed to premature death.

All these pathologies specific to large dogs represent a significant cost in terms of care. If the animal is not insured, the owner is forced to bear all the related expenses. It is therefore easy to understand that insuring your dog before the age of 8 is fundamental. This allows Its owner to be reimbursed for all or part of veterinary procedures, drugs, and other treatments, surgical interventions when necessary, and physiotherapy sessions if necessary. As a last resort, when the dog is in too much pain, its owner may decide to have it euthanized. Reimbursement of euthanasia costs is possible if the owner has opted for a sufficiently comprehensive plan.

Choose dog insurance without age limit or certificate of good health

In the interest of the dog, and to reduce the owner’s budget, the ideal is to insure his/her dog from the age of 2 or 3 months. If the animal is an adult, or even if it has entered the senior category, all that remains is to turn to a company that accepts dogs without age restrictions. They are not very numerous but they exist. Even rarer are those which do not impose an age limit and which, in addition, do not require the famous certificate of good health to be established by a veterinarian. However, before taking out an insurance contract for your dog over 8 years old, you should carefully read the general conditions, and particularly the section reserved for exclusions. Let us not forget that the care which results from an inherited disease may not be covered.

After making a comparison of dog health insurance , it may be useful to contact the desired insurance company in order to obtain all the necessary information. It is necessary to be able to be confirmed that no additional premium is required and that the dog will be well insured for life except for breach of contract by the owner of the animal. Many owners realize that their dog is no longer insured because It has reached the age limit beyond which the company denounces the contract, even if the animal has been insured at home for many years.

About Amanda

Passionate about animals, Amanda draws her expertise from her training as an educator, pet behaviorist as well as her extensive experience with animal owners. A specialist in dog and cat behavior, Amanda continues to learn about our four-legged companions by studying veterinary reference books but also university research sites (UCD, Utrecht, Cambridge, Cornell, etc..)

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