Pet Insurance for the “Golden Years”: Caring for Senior Pets

Respect Your Elders

Our pets age faster than we do. In the blink of an eye, your zooming puppy has become a dignified senior who prefers the sofa to the park. In 2026, pets in the UAE are living longer than ever thanks to better nutrition and 5-star vet care. However, the “Golden Years” also bring higher medical risks.

At CoverB, we believe senior pets deserve the best care. Here is how to navigate pet insurance in uae for your older companions.

When is a Pet a “Senior”?

In the world of insurance:

• Dogs: Usually considered senior at age 8 (or age 6 for large breeds like Great Danes).
• Cats: Usually considered senior at age 10.

If your pet is already past these ages, you can still apply for pet insurance, but the options change. This is why we always say: Insure them while they are young so they stay covered as they get old.

The Challenges of Insuring Seniors in 2026

As pets get older, their “Excess” or “Co-pay” might increase. In Dubai, it’s common for a senior policy to have a 35% co-pay instead of the standard 20%.

• Why? Because the statistical chance of a senior pet needing care is much higher.
• The Benefit: Even with a 35% co-pay, the insurance still pays for 65% of that AED 10,000 heart scan or kidney treatment. It’s a massive saving.

Chronic Care: The Senior Lifeline

The biggest costs for seniors are chronic issues like arthritis, thyroid problems, and failing eyesight. If you have a “Lifetime” policy with CoverB, we continue to pay for these medications year after year. For many Dubai residents, this saves them over AED 12,000 annually in senior pet care.

Applying for a New Policy for an Older Pet

Can you apply for pet insurance for a 9-year-old dog today? Yes. While some insurers have a “cutoff” age, CoverB works with partners who offer specialized “Senior Accident” plans. These protect your old friend from the unexpected, even if they have some pre-existing aches and pains.

Make Their Golden Years Bright

Your pet has given you a lifetime of loyalty. Now is the time to return the favor. Ensure they have the medical support they need to stay comfortable and happy. Visit https://coverb.ae/retail-2/pet-insurance/ and find a plan that respects your senior pet’s legacy.