Golden Years, Gold-Standard Care

Support your top dog with the right insurance cover. 

There’s something awesome about senior dogs. The walks may be slower, the whiskers a little whiter… But they’ve been with you through it all, and you have an unbreakable bond. As our dogs get older, their needs change. Like us, they’re more likely to develop health issues over time. This can make finding the right support – including pet insurance – more complicated. 

Age sometimes means your dog will have picked up the odd scrape or illness 

From arthritis and joint stiffness to lumps, digestive problems or murmurs, it’s common for older dogs to develop health concerns.

Anything your dog has shown symptoms of, been diagnosed with, or received treatment for before taking out a policy is referred to as a pre-existing condition. 

Getting insurance which covers these can be tricky. Many providers won’t cover pre-existing conditions at all. 

This can sometimes leave owners facing a difficult decision: manage ongoing costs themselves, or limit treatment options. 

A fresh approach to older dog insurance 

Specialist providers like Petgevity take a more flexible view. 

Petgevity Lifetime Plus is designed with real life in mind, including the reality that older dogs aren’t always starting from square one. Subject to full disclosure and acceptance, it offers to cover many pre-existing conditions – something that’s still relatively rare in the UK market. 

That means if your dog already has a condition, you could still be able to claim for: 

• Changes to treatment plans 
• New prescribed medication, treatment or therapies 
• New symptoms linked to an existing condition 

To be clear, it won’t pick up the bill for ongoing medication your dog had before you take out a new policy. But – provided the condition has been declared and accepted on your policy – you can use your vet fee limit towards claims for new treatment. Likewise if the issue worsens over time, or if new conditions develop. 

Why this matters for senior dogs 

For many owners of older dogs, this kind of cover can make a real difference. 

Many issues like osteoarthritis, diabetes, certain skin conditions or allergies don’t just disappear – they often need long-term management. Without insurance support, the cost of ongoing care can quickly add up. 

With Petgevity’s Lifetime Plus cover: 

• Vet fee limits can go up to £15,000 per year 
• The limit resets annually when you renew 
• You can claim multiple times for declared and accepted conditions within that limit 
• That ongoing protection can help make sure your dog continues to get the care they need – not just now, but in the years ahead. 
• No dog too old 

 Another hurdle with insuring older dogs is that many providers have upper age limits or similar restrictions. 

Petgevity takes a different approach, offering cover with no upper age limit, so they can be insured later in life. Dogs of all ages are welcome! 

Peace of mind, wherever you are 

Caring for a senior dog isn’t just about treatment. It’s about peace-of-mind support too. 

Petgevity policies include unlimited 24/7 access to UK-based vets at FirstVet. This is done via video call, and you can make as many as you need. So, if you’re ever unsure about a symptom or change in behaviour, expert advice is a tap of a button away. 

Whether it’s a sudden limp, a change in appetite or just a niggling worry, having that support and reassurance can make all the difference. 

A more personalised approach to care 

Every senior dog is different. Some are still bounding around like puppies, while others prefer a slower pace of life. 

Petgevity offers flexible cover options and add-ons, allowing you to tailor your policy to suit your dog’s specific needs. 

That means you don’t have to pay for cover you don’t need but can still build a plan that supports your dog through their later years. 

Things to keep in mind 

As with any insurance policy, it’s important to familiarise yourself with the small print: 

• Pre-existing conditions must be declared and accepted 
• Not all conditions will be covered 
• Some treatments or conditions may have specific limits 
• Understanding your policy fully means there are no surprises if you need to claim.

Because they’ve always been there for you senior dogs may slow down, but the love they give never does. 

They’ve been there for the muddy walks, squirrel chases, evenings flopped on the sofa and everything in-between. So when they need extra care, it’s only natural to want to give them the best support possible. 

With the right insurance in place, you can focus less on the cost of treatment, more on enjoying time together. 

Growing older shouldn’t mean missing out. Petgevity can help support your dog’s long and healthy life, even if they have a few conditions under their collar.