Things you should know about pet insurance
While a lifetime insurance covers the cost of treating a pet for a health condition for its entire lifetime, a non-lifetime insurance covers the costs only for the period of the insurance.
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Third party liability insurance provides cover should your dog cause accidental injury or damage to someone else's person, property or pet. This can include paying for the bills if you're required to defend yourself in a legal case involving your dog.
Premiums are likely to be higher for older animals, but generally there should be cover available for all ages.