Direct answer
It depends on the individual policy’s premium-to-payout ratio, as premiums for senior pets are significantly higher and many policies exclude pre-existing conditions common in aging animals.
Actuarial data from pet insurance industry loss-ratio reports. For additional information about industry-wide performance trends, see the North American Pet Health Insurance Association‘s annual state of the industry reports.
What this means for you
It depends on the individual policy’s premium-to-payout ratio, as premiums for senior pets are significantly higher and many policies exclude pre-existing conditions common in aging animals.
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