Direct answer
It depends on your current savings and the dog’s breed-specific health risks, as premiums for senior pets are significantly higher and often exclude pre-existing conditions. If your dog is prone to chronic issues, the high monthly cost may outweigh the actual benefit payout compared to self-insuring.
Data derived from actuarial veterinary care cost trends and historical pet insurance claim frequency reports. For additional information about industry claim trends and veterinary cost data, see the North American Pet Health Insurance Association‘s annual state of the industry reports.
What this means for you
It depends on your current savings and the dog’s breed-specific health risks, as premiums for senior pets are significantly higher and often exclude pre-existing conditions. If your dog is prone to chronic issues, the high monthly cost may outweigh the actual benefit payout compared to self-insuring.
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