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Can I get pet insurance for older animals?

Yes, but with limits. Most carriers will enroll dogs up to 10 to 14 years old (varies by breed) and cats up to 14 to 16 years old. The catch is that any condition the pet has been diagnosed with before enrollment is permanently excluded. So if your 9-year-old has arthritis, that arthritis will never be covered, but a new condition (say, an ear infection) would be. Premiums for senior pets are noticeably higher (often 2 to 3 times the rate for a puppy of the same breed). The long-term math strongly favors enrolling young.

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