Direct answer
It depends on the individual animal’s health history and the policy’s age restrictions, as premiums for older pets are significantly higher and pre-existing conditions are almost universally excluded.
Actuarial data from pet health insurance industry reports regarding claim frequency and age-related risk. For additional information about industry trends and claim data, 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 animal’s health history and the policy’s age restrictions, as premiums for older pets are significantly higher and pre-existing conditions are almost universally excluded.
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