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Unfortunately time takes its toll on us all and some pet insurance companies don't believe in offering cover for the more mature or senior dog.

Luckily E&L® are happy to offer comprehensive, low cost senior dog insurance with a range of competitively priced premiums and excellent levels of cover for dogs of any age. Each plan covers Vet's Fees for illness or injury up to 365 days from the date that the pet first displayed clinical signs of the illness/injury.

E&L® also offer senior dog insurance policies for older dogs so no matter what their age you can be safe in the knowledge that your dog will be covered.

Senior dog insurance policies start from as little as £14.35 per lunar monthly policy and offer 12 month's free membership to The National Pet Register 24hr lost and found service should your dog become lost or stolen.

E&L® have been providers of senior dog insurance for over 20 years. With a 45% premium discount when buying online and a 10% Multi-pet discount for insuring more then one dog we believe we have the right senior dog insurance for you.

Senior Dog Insurance Cover Options

We have three Time Limited Senior Dog Insurance Cover Options to choose from:

  • Silver senior dog insurance - vet's fees up to £4,000
  • Gold senior dog insurance - vet's fees up to £5,000
  • Diamond senior dog insurance - vet's fees up to £6,000

View our senior dog FAQs and Tips and advice sections for help with any questions you may have

Dog Policy Information

The following cover benefits are for dogs and cats aged over 8 years, for pets aged 5 weeks to under 8 years please see our Pet Insurance policy.

  Silver Gold Diamond
Monthly1 Yearly Monthly1 Yearly Monthly1 Yearly
Public Liability

Legal liability to a third party, the damages and costs arising from your ownership of the insured pet.

£1.5m £1.25m £1.75m £1.5m £2m £1.75m
Vet's Fees

Due to accident or illness including hospitalisation, physiotherapy, certain prescription diets, treatment and referral. No cover for disease or illness showing clinical signs within 14 days of policy inception.

£1,000 limit per condition
£1,000 limit per condition
£5,000 £4,500 £6,000 £5,500
Death of Pet

Due to accident or illness. We can pay up to the price paid or market value whichever is less. No cover for disease or illness showing clinical signs within 14 days of policy inception.

£750 £500 £1,000 £750 £1,500 £1,250
Boarding Kennel/Cattery Fees

If you are in hospital for more than 3 days we can cover the cost of boarding.

£750 £500 £1,000 £750 £1,500 £1,250
Holiday Cancellation

Due to emergency surgery on your pet within 14 days of departure.

£1,000 £750 £1,500 £1,250 £2,500 £2,000
Advertising and Reward

If your pet goes missing, you may want to advertise and give a reward.

£600 £450 £800 £650 £1,000 £750
Loss by Theft or Straying

We pay you up to the price you paid or the market value, whichever is less.

£750 £500 £1,000 £750 £1,500 £1,250
Accidental Damage

Accidental damage to a third party's property.

£500 £250 £750 £500 £1,000 £750
Burglar Reward

If your dog catches an intruder in your home.

£500 £250 £750 £500 £1,000 £750
Transport Costs

If your vet refers you to another practice or veterinary school.

£150 £100 £200 £150 £250 £200
Personal Accident

If you have to take time off work after being bitten by your pet.

£150 £100 £200 £150 £250 £200

Area Classification

  • Area A: All counties other than those in Area B or Area C
  • Area B: Berkshire, Essex, Sussex, Hertfordshire, Kent, Middlesex and Surrey
  • Area C: London


The excess is the amount you pay towards a claim. The amount of excess payable can range from £79-£129 (dependent on the area of the country, breed of pet and the plan type you have chosen) except on public liability claims* where the excess amount payable will be £260. Claims for amounts over £1,000 in value are subject to double excess. For pets over the age of 8, the amount of excess payable can range from £70-£129 (dependent on the area of the country, breed of pet and the plan type you have chosen) plus under Vet’s Fees, 35% of the remaining claim except public liability claims* where the excess is £260.
*Public liability claims are restricted to dogs only

1. Lunar monthly policy (more information)

The following discounts are available on E&L® Senior Dog Insurance:

  • 45% online discount
  • 10% multi pet discount

The total maximum discount per policy is 55%.

Introductory discounts provided only apply to new policies taken out online.

To be eligible for E&L® Senior Dog Insurance the following conditions must be met:

  • The policyholder is a UK resident aged over 18 years
  • Senior pet insurance is for pets aged 8 years and over
  • E&L must be advised of any pre-existing medical conditions
  • Breed must comply with our dangerous breed exclusions

Please see the Senior Dog Insurance Policy Wording for full eligibility criteria.

Register a Claim

Several of our claim forms are available to download online in PDF format. After completing the form you will be provided with a download link to your requested claim form which you can simply print out, fill in and either fax or post to us.

To complete the form please click here

View our Testimonials pages.