Direct answer
It depends on whether your current savings can cover sudden chronic illness costs, as premiums for senior dogs are significantly higher and often exclude pre-existing conditions.
Analysis of average veterinary diagnostic and chronic care costs for geriatric pets compared to annual premium structures. For additional information about industry-wide veterinary cost trends and coverage data, see the North American Pet Health Insurance Association‘s industry reports.
What this means for you
It depends on whether your current savings can cover sudden chronic illness costs, as premiums for senior dogs are significantly higher and often exclude pre-existing conditions.
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