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Best in Class Protection,
Built for Your Best Friend.
Get up to 100% cash back on all covered Vet bills- Covered on all accidents and most illnesses
- Get coverage anywhere in the United States
pawdarling Senior Dog insurance covers when you need it most
As dogs age, their medical needs grow. Our senior dog insurance gives them the protection they deserve, with plans designed to manage age-related health needs affordably.
How does Senior Dog insurance work?
Pawdarling makes it simple. Choose your plan, visit any licensed vet, upload your bill online, and get reimbursed. It’s trusted, easy-to-use coverage built specifically for aging pets.
Get Your Quote Now!How Pawdarling Helped Max
When Max needed emergency surgery, Pawdarling was there. His treatment cost over $20,000, but his parents had a 100% reimbursement plan. They only paid their yearly premium, and Pawdarling covered the rest, giving Max the care he deserved.
Accident + Illness Coverage & Add-on Options
Accident + Illness
The core plan from Pawdarling covers everything from unexpected injuries to common illnesses. It's the best pet insurance for giving you peace of mind that your pet is protected.
Preventative Care Add-ons
For even more protection, add routine care to your policy. It covers essentials like vaccines, dental cleanings, and wellness exams, ensuring your pet is covered at every stage of life.
Senior Dog coverage when you need it
Accidents
Whether it’s a slip on the stairs or a collision at the dog park, we help cover emergency care, x-rays, and follow-ups.
Behavioral Issues
As dogs age, changes in behavior can signal cognitive decline or anxiety. Our plans include coverage for vet-recommended behavioral treatments.
Hereditary Conditions
Many senior dogs begin to show symptoms of breed-specific health issues later in life. We help cover long-term care and management.
Illnesses
From kidney disease to arthritis to heart conditions, our insurance helps offset the cost of vet visits, medications, and ongoing care.
Senior Dog insurance Plan Benefits
Diagnostics
Includes coverage for blood tests, X-rays, ultrasounds, and other tools vets use to diagnose age-related health conditions quickly and accurately.
Therapies
From physical therapy to hydrotherapy and acupuncture, our plans help cover rehabilitative care that improves mobility and quality of life.
Treatments
Whether it's a sudden illness or an ongoing condition, we help pay for procedures, wound care, and recovery plans tailored to senior dogs.
Prescriptions
Medication and supplements become more common with age. We help you manage those costs with prescription coverage included in most plans.
Getting Money back Is Easy!
Filing a claim shouldn't be stressful. Pawdarling makes it easy with a simple 3-step process and fast reimbursements, so you can focus on your pet's recovery.
Frequently Asked Questions
We offer coverage for the Actual Costs of any Medically Necessary Treatment your pet receives for a covered injury or illness during the policy period, up to the Per Incident Limit and Annual Benefit Limit shown on your Declarations Page.
Our basic pet insurance policy reimburses you for Medically Necessary Treatments, including:
- Examinations: Physical exams, consultations, health inspections, office visits, virtual visits, and referral fees.
- Surgical Treatments: Procedures required for covered injuries or illnesses.
- Diagnostic Tests: X-rays, ultrasounds, CT scans, laboratory tests, and more.
- Medical Supplies: Supplies required for procedures deemed Medically Necessary by your vet.
- Hospitalization: Stays required by your vet for treatment.
- Orthodontic Treatment: Due to a covered injury or illness.
- Emergency Transportation: Ground pet ambulance transportation up to $100.
Dental coverage is not included in the basic plan but can be added separately with our Dental Coverage Endorsement. This optional add-on provides reimbursement for:
- Endodontic treatments for dental injuries, such as root canals and crowns, when deemed medically necessary by a veterinarian.
- Dental extractions that are medically necessary due to a covered injury or illness.
You can add this coverage at the start of your policy or during renewal. Please note that a waiting period may apply, as outlined in your policy details. If you decide to remove this coverage, you can do so at any time during the policy period.
This ensures your pet's dental health is protected alongside their overall wellness!
Yes, if you add the Alternative Therapies Endorsement to your policy, we will reimburse you for a variety of alternative and complementary therapies for your pet. This includes treatments such as:
- Acupuncture
- Chiropractic care
- Hydrotherapy
- Physiotherapy
These therapies must be performed by a veterinarian or under the direct supervision of veterinary staff. Additionally, coverage for veterinary consultations to diagnose and treat behavioral problems is available, up to an annual limit of $2,000.
The Alternative Therapies Endorsement can be added at the start of your policy or during renewal. A waiting period may apply, as outlined in your policy documents. If needed, you can remove this endorsement at any time during the policy period.
This option provides additional flexibility to address your pet’s unique health needs beyond traditional treatments!
Our policy does not cover pre-existing conditions. A pre-existing condition is defined as any medical condition that first occurred or showed clinical signs before the policy's effective date or during the waiting period.
However, we do make an exception for pre-existing conditions that are considered Cured. A condition is deemed cured if:
- It is a temporary illness or injury.
- It has been resolved without recurrent symptoms or ongoing treatment for at least 12 months and documented in writing by your Vet.
Please note that knee or ligament injuries, illnesses, and hip dysplasia are not considered curable and remain excluded.
This policy ensures fairness while helping you protect your pet's future health needs.
Yes, there are age restrictions for new enrollments:
- Without the Wellness Endorsement: Pets must be at least 6 weeks old and no older than 15 years.
- With the Wellness Endorsement: Pets must be at least 8 weeks old and no older than 15 years.
For renewal policies:
- For renewal policies:
- Pets over 15 years old are eligible for renewal as long as they were enrolled in the policy before their 15th birthday and have maintained continuous coverage.
These guidelines ensure comprehensive protection for your pet at every stage of their life.
Deductibles and coinsurance can be customized for each pet, allowing you to tailor the policy to fit your budget and coverage needs. However, all other coverages are set at the policy level and cannot be individually customized.
Plus, you’ll get a 20% discount on each additional pet after the first one, making it easier and more affordable to protect your entire furry family!