Best Age to Get Pet Insurance – How to get Pet Insurance, Guidelines


Determining the optimal time to obtain pet insurance is crucial when considering the well-being of your furry companions.

Pet ownership entails certain expenses for their care, but these costs can be significantly mitigated with the appropriate pet insurance coverage.


To ensure that you secure the most comprehensive and affordable policy, it is important to apply for insurance at the ideal moment.

This is particularly relevant for dog owners. Historically, dogs require more frequent and extensive care compared to their feline counterparts. Additionally, dogs generally have a shorter lifespan than cats.


Nevertheless, pet insurance can offer valuable assistance if obtained at the right age and price. So, when is the best time to get pet insurance for dogs? Let’s delve into this question below.

When it comes to pet insurance for dogs, the best age to enroll them is when they are young, preferably as puppies. As dog’s age, their health naturally deteriorates, making them riskier to insure.


This increased risk is then reflected in higher monthly and annual insurance premiums for dog owners.

CBS News Recommended Fetch by the Dodo. According to CBS News, Fetch by the Dodo, a pet insurance company, enrolling your dog in insurance at a young age ensures that they are covered as early as possible.


While Fetch covers pets of all ages, signing up before your dog requires medical attention allows for maximum insurance coverage.

Pre-existing conditions are not covered by pet insurance providers, emphasizing the importance of early enrollment. By insuring your dog before any health issues arise, both you and your loyal companion can enjoy the best quality of life together.

Spot pet insurance also advises dog owners to act promptly. They recommend insuring your pet at a young age, allowing you to enroll them in a Spot plan as early as 8 weeks old.

Spot emphasizes the need to prevent the development of pre-existing conditions before obtaining insurance coverage.

Having a pre-existing condition can significantly limit the coverage your dog is eligible for, or in some cases, prevent coverage altogether.

Pet insurance companies do not cover conditions that exist before the policy’s start date or during a waiting period.

This further reinforces the importance of applying for pet insurance while your dog is still a puppy, as they are unlikely to have any pre-existing conditions at such a young age.

If you wait until they are older and these conditions arise, your insurance options will be severely restricted.

Spot clarifies that a pre-existing condition refers to any injury or illness that occurs or shows symptoms before the coverage begins or during a waiting period.

It does not matter whether the condition has been officially diagnosed or treated; the crucial factor is when it initially appeared or symptoms were first displayed.

Pet owners in this situation may still have alternative options. Spot explains that if a condition is curable, cured, and symptom-free for 180 days, it will no longer be considered pre-existing, except for knee and ligament conditions.

If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future occurrences of such conditions will not be covered.

In general, it is advisable to insure your dog as early as possible. Applying for pet insurance when your dog is young offers the best combination of comprehensive care and cost-effectiveness. If you are ready to take this step, start by obtaining a free price quote to have a clear understanding of what to expect.

Final Thoughts

Pet insurance provides significant value for dogs at all stages of life. However, it is particularly advantageous to secure coverage when your dog is young. During this period, you can enjoy a wide range of coverage options, and the cost of obtaining that coverage will be considerably lower compared to waiting until later.


Does age matter pet insurance?

Young and healthy pets are less risky to insure than pets that are older and more prone to nagging health conditions. That lack of risk is reflected in lower monthly premiums to the owner. The longer you wait, the more likely your pet is to run into health conditions that could raise the cost of coverage.

Why do I need pet insurance?

Pet insurance helps cover the cost of medical care for your furry friend. It can reimburse you for expenses like cancer treatment, emergency care, prescription medications and surgery.

What does insurance do for a dog?

What does pet insurance do? These are policies that help you cover the cost of veterinary treatment and medical expenses when a pet gets injured or becomes ill. The policies available can vary significantly in cost, what they cover and what they don’t include.

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