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Pet insurance gets more expensive as the animal ages, so it makes sense to sign your pet up as early as possible, rather than waiting until premiums are higher. Also, if you insure an older pet, the insurance company will probably request pet health information, or require a physical examination by your veterinarian to discover any pre-existing conditions. Just like humans, animals suffer from more diseases and health issues as they age, so purchasing pet insurance makes sense and gives a greater sense of caring for your pet.