Buying coverage early — ideally when your pet is young and healthy — helps you lock in lower premiums, avoid waiting periods, and ensure full access to the benefits of pet insurance, including coverage for accidents, illnesses, and even preventive care.
If you’re exploring your options, our list of the best pet insurance companies can help you compare top-rated providers that offer comprehensive protection at every life stage.
Pet insurance isn’t just about age — it’s about timing. Let’s explore when and why it makes sense to invest in pet health insurance for your furry companion.
Key Insights
- Purchase pet insurance when your pet is just months old for lowest rates and no pre-existing exclusions.
- Insurance is most valuable for breeds prone to chronic conditions that require costly ongoing treatment.
- Pet insurance helps budget-conscious owners manage unexpected vet costs and afford routine care.
- Coverage is available from 8 weeks of age, but costs rise with age and excludes pre-existing issues.
Why Timing Matters in Pet Insurance
Pet insurance is all about timing. It’s designed to help you manage the financial risks of unexpected medical costs, but coverage only applies to conditions that arise after your plan begins. That’s why early enrollment is key.
Buying a pet insurance plan early ensures your pet is protected from day one — before waiting periods, exclusions, or age-based price increases come into play.
Pre-Existing Conditions Aren’t Covered
Many insurers exclude pre-existing conditions, meaning if your pet has already been diagnosed with a condition (or even shows symptoms) before you enroll, that condition won’t be eligible for reimbursement.
Expert Quote
“Many pet insurance companies have restrictions on coverage for pre-existing conditions; therefore, if a pet has already been diagnosed with an illness before purchasing insurance, those specific conditions will likely not be covered."
“Many pet insurance companies have restrictions on coverage for pre-existing conditions; therefore, if a pet has already been diagnosed with an illness before purchasing insurance, those specific conditions will likely not be covered,” explains Dr. Bethany Hsia, veterinarian and co-founder at CodaPet.
Waiting Periods Delay Coverage
Most policies include waiting periods — a short time between enrollment and when coverage actually begins. These typically range from 2 to 14 days for accidents and illnesses, and sometimes longer for orthopedic conditions.
If your pet becomes ill during this period, related treatments won’t be covered.
Premiums Rise with Age
Pet insurance premiums typically increase as pets get older and more prone to health issues like arthritis, heart disease, or cancer. Locking in a plan early helps you maintain lower premiums over your pet’s lifetime.
Preventive Care Options Are More Valuable Early On
Many providers offer wellness or preventive care add-ons for routine services such as wellness exams, vaccines, and dental cleanings. These options provide the greatest value when started early in your pet’s life, before more serious medical care is needed.
When to Buy Pet Insurance: The Right Time for Every Situation
There are several scenarios where getting pet insurance is a smart move — and timing plays a big role in each one.
Your Pet Is Young
“Pet owners with young pets, puppies or kittens, should consider buying pet insurance as they are often more prone to accidents and illnesses as they explore their environment,” says Dr. Hsia.
By prioritizing pet insurance when your pet is young, you can also save a great deal of money on premiums, as pet insurers tend to reserve the lowest rates for puppies and kittens who are less likely to develop chronic illnesses or pre-existing conditions.
Your Pet’s Breed Is Prone to Chronic Health Conditions
“Pet parents with a history of chronic health issues in their breed should consider insurance early on, as certain conditions may require expensive treatments over time,” explains Dr. Hsia.
For example, if you have a German Shepherd who is susceptible to hip dysplasia, pet health insurance coverage might be worthwhile. It can help you pay for vet bills if they develop this condition and other illnesses or injuries.
You Have a Tight Budget
“If a pet owner has limited financial resources, purchasing insurance can provide peace of mind and financial protection against unexpected medical expenses,” says Dr. Hsia.
Without coverage, you could face hefty veterinary bills if your pet becomes ill or injured. Pet insurance protects against these surprise costs and also makes routine care more affordable, encouraging you to stay on top of your pet’s preventive care needs.
You Lead an Active Lifestyle
“Finally, if a pet owner plans to travel frequently or engage in activities that may pose risks to their pet’s health, such as hiking, having insurance can be beneficial,” explains Dr. Hsia.
If your pet joins you on outdoor adventures or travels often, early insurance coverage ensures they’re protected wherever life takes you both.
You Have Multiple Pets
The more pets you own, the greater the risk of vet bills. Fortunately, most pet insurance companies offer discounts for multiple pets. Some even have family plans that allow you to insure several pets under one policy. If you’d like to protect your finances and ensure all your pets receive the care they need for accidents, illnesses, and routine services, early enrollment is the way to go.
Why This Is the Best Time to Buy
While you can buy pet insurance at any time, certain factors make it more beneficial to start coverage when your pet is younger and healthier.
- Pre-existing conditions aren't covered: "Many pet insurance companies have restrictions on coverage for pre-existing conditions; therefore, if a pet has already been diagnosed with an illness before purchasing insurance, those specific conditions will likely not be covered," explains Dr. Hsia.
- Older pets face higher premiums: Senior pets typically pay more due to increased risk factors associated with age-related health problems, such as arthritis or heart disease.
- Earlier coverage provides better value: While it's possible to get insurance later in life, it may not offer the same financial protection or comprehensive benefits. Starting coverage while your pet is young typically provides the best return on investment.
Pet Insurance Age Limits Among Top Pet Insurers
Each pet insurance company has its minimum and maximum age requirements. However, as you shop around for coverage, you’ll notice that most insurers accept pets once they turn eight weeks old.
While a few providers impose maximum age requirements, many don’t have upper age limits. This means you can insure senior pets without any issues.
Here’s a look at pet insurance age limits from the leading pet insurance companies:
| Insurer | Minimum Age Requirement | Maximum Age Requirement |
|---|---|---|
| ASPCA Pet Health | 8 weeks old | No upper age limits |
| CarePlus by Chewy | 8 weeks old | No upper age limits |
| Embrace | 6 weeks old | 15 years old for accident and illness coverage; no upper age limits for accident-only coverage |
| Fetch | 6 weeks old | No upper age limits |
| Figo | 8 weeks old | No upper age limits |
| Lemonade | 8 weeks old | 10 to 14 years old, depending on breed |
| MetLife | 8 weeks old | No upper age limits |
| Pets Best | 7 weeks old | No upper age limits |
| Pumpkin | 8 weeks old | No upper age limits |
| Spot | 8 weeks old | No upper age limits |
Bottomline: When Is the Best Time to Get Pet Insurance?
The best time to invest in pet insurance is when your pet is young — ideally just a few months old. The earlier you lock in coverage, the more likely you are to get affordable premiums and avoid exclusions related to waiting periods and pre-existing conditions.
Of course, you can still get a pet insurance plan later in your pet’s life. However, you’ll likely pay higher premiums and may not receive all the coverage you want. Whether your pet is a playful puppy or a mature senior, enrolling sooner ensures better protection and lasting peace of mind.
Frequently Asked Questions
When should I buy pet insurance?
The best time to buy pet insurance is right after you bring your pet home — before they develop any health problems. Early enrollment ensures better coverage and lower premiums.
Can I get pet insurance before my pet’s first vet visit?
Yes. You can secure pet health insurance before a vet visit. In fact, some insurers require an initial exam before your pet can be enrolled.
Does pet insurance cover pre-existing conditions?
No. Most pet insurance plans exclude pre-existing conditions, which is why early enrollment is crucial.
What are waiting periods in pet insurance?
Waiting periods are the time between when your policy starts and when coverage begins. Accident coverage often starts within a few days, while illness coverage may take two weeks or more.
Is pet insurance worth it for older pets?
It can be, especially for accident-only or senior-focused plans. While premiums are higher, coverage can still provide significant financial relief for sudden injuries or emergencies.
At what age is pet insurance the cheapest?
Pet insurance is usually most affordable when your pet is young, such as a puppy or kitten just a few months old.
How old does a puppy have to be to get insurance?
Most insurers allow you to enroll a puppy starting around 6 to 8 weeks of age.
What is the maximum age for pet insurance?
Enrollment age limits vary by insurer, typically between 10 to 14 years for illness coverage — though many have no upper age limit at all.
