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A deductible is the amount that you're responsible for, before your insurance coverage applies. It's deducted right off the top, before the insurance company pays on a claim. You're probably familiar with deductibles from other types of insurance (health insurance, car insurance, etc.). A per-incident deductible is where a deductible is applied for
Premiums are likely to be higher for older animals, but generally there should be cover available for all ages.
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.
While insurance doesn't cover the cost of pet vaccinations, ensuring vaccinations are up to date has the potential to lead to a cut in premiums. What's more, if vaccinations are not kept up to date and you need to make a related claim, you may find that your insurance has been invalidated.