To find the best pet insurance for senior dogs we used data provided by PetInsurer.com to score each pet insurance company based on the following:
Pet insurance rates for senior dogs: 40% of score. We calculated average rates for dogs for plans with unlimited coverage, a $500 deductible and a 90% reimbursement level, or the closest options available.
Special waiting period: 10% of score. Many pet insurance companies have a special waiting period for problems such as cruciate ligament issues and hip dysplasia. Plans that had no waiting period, a waiting period of fewer than six months or the ability to have the waiting period waived scored higher.
Direct payment to vet: 10% of score. Pet insurance companies that have the ability to pay a vet directly earned points.
24/7 vet health line: 10% of score. Insurers that provide access to a 24/7 vet health line scored in this category.
Routine wellness plans: 10% of score. Insurers that offer optional wellness plans earned points.
Pays veterinary exam fees: 10% of score. Not all insurers cover exam fees, even if the fee is for an illness or accident-related visit. Plans that cover the vet exam fee scored in this category.
Euthanasia or end of life expenses: 5% of score. Insurers that cover end of life expenses, such as euthanasia, cremation or burial fees, scored in this category.
Multipet discount: 5% of score. Many pet insurance companies offer a discount if you insure more than one pet. Insurers that offer a multipet discount earned points.