Older pet insurance for the golden years.
They may be a little greyer around the muzzle, but they still deserve care that feels simple, supportive and big-hearted. Explore lifetime cover for older dogs and cats.
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What is older pet insurance?
Older pet insurance helps support dogs and cats later in life, when vet visits can become more common and ongoing conditions may need long-term care. Waggel keeps the message simple: one lifetime policy type, clear limits and support from people who care.
With Waggel, you can choose a level of cover that works for you and your older pet, then manage your policy online whenever you need to.
Why older pets may need different support.
As pets get older, they may be more likely to visit the vet or develop conditions that need ongoing care. This can feel worrying, especially if your dog or cat has been part of the family for years.
How lifetime cover can help older pets.
Waggel keeps things simple by offering lifetime cover only. With lifetime cover, your annual limit refreshes each year when you renew, subject to the policy terms.
This can be helpful for older pets if they develop an eligible ongoing condition that needs care across more than one policy year.
It is important to be clear that pre-existing conditions are not covered. Claims still depend on your policy terms, exclusions, limits and whether the condition is eligible.
What affects older pet insurance cost?
Older pet insurance prices can vary because every pet is different. The cost of your policy may depend on your pet’s age, breed, location, pet type, chosen annual limit and excess (Claim Contribution).
Renewal prices can also increase as pets get older because they are more likely to need to see the vet.
Your quote is the best way to see the price for your older dog or cat, because it is based on your pet’s details and the cover options you choose.
What Waggel’s older pet insurance covers.
Waggel's older pet insurance can help with eligible vet bills for accidents, injuries and illnesses, up to your chosen annual limit and subject to policy terms.
Cover can also include eligible dental treatment, complementary treatment, behavioural treatment, purchase price cover and dog third-party liability, subject to limits, terms and exclusions.
Things to check before switching cover.
Owners should be careful when switching insurance for an older pet. Conditions that have already been diagnosed, or symptoms that have already appeared, may be treated as pre-existing under a new policy.
Before cancelling existing cover or moving to a new insurer, owners should compare the policy wording carefully and think about any current or previous health concerns their pet has had.
Age
Older pets may be more likely to need vet care, which can affect the cost of your policy.
Breed
Some breeds are more likely to need treatment for certain health conditions.
Pet type
Dog and cat policies can be priced differently depending on the details of the pet and cover selected.
Location
Your location may affect the cost of your policy.
Annual limit
Your chosen annual limit can affect your quote.
Excess (Claim Contribution)
Your chosen excess (Claim Contribution) can affect your quote.
Waggel Rewards.
Make pet ownership even more rewarding with Waggel Rewards. As a Waggel customer, you can unlock exclusive discounts, offers and perks from a wide range of trusted pet and lifestyle brands.
Biscuit Plus: Free with your Waggel policy
Download the Biscuit app, link your dog's Waggel policy and get Biscuit Plus for free (usually £3.99/month). Benefits include:
5x more Biscuits to earn
A free PitPat activity tracker
Access to all Biscuit rewards
The opportunity to earn up to £10 per month back in vouchers
Track your dog's walks and wellbeing while earning rewards along the way.
Popular Waggel Rewards
Enjoy exclusive offers and discounts from a wide range of trusted pet, lifestyle and insurance brands. Rewards are regularly updated and may include savings on pet food, treats, toys, accessories, healthcare, DNA testing, insurance and more.
You'll also find offers from a growing selection of partner brands, with new rewards added throughout the year.
How claims work with Waggel.
Making a claim shouldn’t feel like one more thing to worry about. With Waggel, members can start a claim online through their account.
Step 1: Log in to your Waggel account
Head to your account and choose the option to make a claim.
Step 2: Tell us what happened
Add the basic details about your dog, the condition or treatment, and the vet visit.
Step 3: We contact your vet
Waggel will request the full medical history and invoice from your vet, so the claim can be reviewed.
Step 4: We review your claim
Your claim will be assessed against your policy terms, cover limits and exclusions.
Step 5: We keep you updated
Your vet nurse is there to support you and help keep things clear along the way.
That's it!
It's really that easy.
Older pet insurance FAQs.
Yes, Waggel offers lifetime policies with no upper age limit. There are, however, policy restrictions such as no cover for pre-existing conditions and no death benefit after age 8. This means Waggel will not reimburse the original purchase price of the pet after age 8.
It can be. Your monthly premium may increase at renewal because pets are more likely to need the vet as they get older.
No. Waggel does not cover pre-existing conditions, including symptoms or conditions before the policy starts or during the 14-day warm-up period.
Waggel covers up to £1,000 for eligible dental treatment per policy year, subject to policy terms and dental health requirements.
Owners should be careful when switching because previous conditions may become pre-existing under a new policy. Always check policy wording before cancelling existing cover.
You can claim with any vet practice, as long as they are a registered member of the Royal College of Veterinary Surgeons.
Waggel members have access to online vet video calls, behaviour and nutrition consultations through the Membership Platform.