An older dog sits on a porchAn older dog sits on a porchAn older dog sits on a porch

Coverage for dogs and cats in their golden years

Your pet can live a longer and healthier life today than ever before.

Veterinary medicine has seen amazing advancements over the last two decades. As you prepare to take care of your aging pet, don’t let finances stand between your dog or cat and the care they need. With Trupanion, medical insurance for pets, you can rest easy knowing that you’ll have a reliable partner to help cover unexpected veterinarian costs. All pets over 8 weeks and under 14 years of age can enroll in lifelong coverage. 

A senior dog holds a bone in his mouth

When are dogs considered "senior"?

Every dog is unique. A dog's size will help determine when they are considered senior. Smaller dogs tend to live longer than larger ones, and mixed breed dogs often live longer than purebreds. 

An older cat is cuddled by her owner

When are cats considered "senior"?

No two cats are the same and each ages differently depending on their genetics, general health, and environmental factors such as if they're indoor-only. Generally speaking, cats are considered senior between 12 and 15 years old. 

Common sense guidelines to help increase their quality of life

Dogs and cats live longer and healthier lives today than ever before because veterinary care for senior pets has advanced tremendously over the past few decades.

Go to your veterinarian more often

We recommend both young and adult cats and dogs get at least one veterinary wellness exam annually. Older pets should have more frequent wellness exams to detect and treat illnesses or other problems. Talk to your veterinarian about the exam frequency that makes sense for your pet. When you first notice changes in your pet’s appearance or behavior, take them in for an exam.

What to expect:

Your veterinarian may ask you to brush your pet’s teeth, give them regular medications or supplements, change what you feed them, give them regular exercise, or even massage their muscles to keep them limber.

If your pet can’t see as well or is confused easily, they might ask you keep any changes in your home to a minimum. If possible, don’t rearrange your furniture and keep their toys, and

Follow veterinarian recommendations

After your veterinarian has examined your pet, be sure to discuss, understand, and then follow their recommendations. If more questions or concerns arise, bring them up with your veterinarian because they may have alternatives that better suit your situation, lifestyle, or budget.

What to expect:

Your veterinarian may order blood work, x-rays, or an ultrasound to look for any issues, monitor changes over time in your pet’s health, or track progress of a disease your pet may already have.

They might recommend more specific tests like a urinalysis, a fecal exam for parasites, or a blood test for heartworm.

Help them stay mobile

Many aging dogs and cats can’t move around as well as they used to. Perhaps they don’t see as well, they have arthritis, or they aren’t as strong as they used to be. Enabling them to get some exercise and play can improve their mood, flexibility, and strength. Your veterinarian can make suggestions to help improve their mobility.

There are many new, improved, and non-traditional ways to help our pets stay mobile. See if your veterinarian knows the best local alternative care providers for acupuncture, homeopathy, rehabilitative therapy, or hydrotherapy. Discuss their recommendations and beware of non-certified care providers.

What to expect:

If your pet isn’t moving around as well, they may suggest you get an orthopedic, therapeutic, or heated bed, set up pet steps to your bed or their favorite chair or couch, and use a ramp to help them get in and out of your car if they can no longer jump.

Your veterinarian may recommend that you trim their toenails or the fur around their eyes.

They may also recommend supplements (like fish oil and glucosamine) to help with mobility.

Your veterinarian may be able to provide complementary, alternative or integrative medical care right in their very own hospital. Discuss their recommendations or a referral to certified care providers and find safe alternatives that best suit you and your senior pet.

We've made pet insurance easy

You choose a deductible that suits your budget — anywhere from $0 to $1,000. 

We pay 90% of coverable costs, less exam fees, and applicable sales tax. We don’t limit your reimbursements by using a predetermined benefits schedule. 

If your pet needs us, we won’t stop paying for its care. We never impose any limits on the amount of care your dog or cat receives. 

We never punish unlucky pets by denying coverage or raising rates because you make “too many” claims. 

Terms and conditions apply. See the policy for details.

We cover all injuries and illnesses, including hereditary and congenital conditions, as long as signs weren’t present prior to enrollment or during any waiting periods.

You can choose any veterinarian, emergency care or specialty hospital in the United States, Canada, and Puerto Rico. 

All breeds are accepted. We don’t have any breed-specific exclusions. All dogs and cats over 8 weeks and under 14 years of age can enroll for lifelong coverage.