What changes with age
Older dogs are statistically more likely to need care, so insurers price them higher. Some providers set a maximum age at enrollment, while others have no upper limit.
Pre-existing conditions matter more
A senior dog is more likely to have an existing diagnosis, and those conditions are typically excluded. Review the definition and any provisions for curable conditions.
What to compare
Look at whether coverage renews for life, how premiums are expected to change with age, whether limits fall as your dog ages, and how the plan treats chronic conditions.
Alternatives
If insurance is not available or affordable, a dedicated savings fund and discussing payment options with your vet are practical fallback plans.
Sources and further reading
This guide explains general industry practice. For the terms that apply to you, rely on the policy documents from each insurer you consider and on the consumer resources published by your state insurance department.