If you have a Cairn Terrier, they’ve already become a loved family member. Keep them healthy and safe by considering quality pet insurance for expensive veterinarian bills. To help you with this process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.
Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.
Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.
What we like
Extensive coverage on multiple health issues
Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.
Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.
What we like
Customizable plans so you only pay for coverage that your pet needs
Claims are reimbursed in minutes
Affordable monthly premiums starting at $10/month
Comprehensive wellness plans to keep your pet in good health
Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.
With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.
What we like
Monthly premiums as low as $24
Allows coverage on 6 pets for $24 a month
Allows enrollment of pets with pre-existing conditions
24/7 unlimited access to Pawp’s virtual vet doctors
What we don't
Coverage is restricted to healthcare emergencies only
Does not offer wellness coverage
Emergency funds can be accessed only once per year
Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.
What we like
Older cats and dogs are covered
Customize your plan to fit your pet's needs and financial situation
Customers from US can get covered in Canada as well
Unlimited live vet chat if an issue occurs with your pet
The Cairn Terrier is a small, active terrier that loves to play and go on adventures. They are curious and make great companions for other dogs and children. Their coats can be rough or smooth, but all are double-coated with a harsh and wiry topcoat and a soft undercoat.
Medical treatment for your Cairn Terrier can become very expensive, especially if they encounter a more severe issue that requires invasive treatment. Medical bills for treating a sick Cairn Terrier can quickly add up, costing up to a few thousand dollars. In these situations, you don’t want to be in the middle of a crisis and have to choose between your beloved dog and the affordability of their medical treatment.
To prepare for these unexpected circumstances, consider investing in pet insurance. It can help you afford your dog’s medical treatments and procedures while focusing on your dog’s recovery.
Pet insurance can also provide peace of mind that your dog can be covered for the necessary treatments when it has an accident, injury, or illness. This includes (but is not limited to) broken bones, cancer treatment, harm caused by another animal, and prescriptions for chronic conditions. Therefore, pet insurance can be essential and beneficial for your pet.
Common health conditions for a Cairn Terrier
Typically, a Cairn Terrier has a longer lifespan than the average dog, and you can expect your dog to live somewhere between 12 to 15 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:
Globoid cell leukodystrophy (GCL): This condition affects the brain and spinal cord. It can cause symptoms s circling, panting, blindness, loss of coordination, and seizures. Unfortunately, there is no cure for GCL—it’s always fatal.
Glaucoma: Glaucoma is a condition that causes increased pressure within the eye. If left untreated, it can cause blindness and severe pain. If you notice your dog squinting or pawing at her eyes excessively or if her eyes appear cloudy or enlarged, take her to the vet right away. In many cases, glaucoma can be managed well with medication—but this depends on whether the condition is caught early enough.
Craniomandibular osteopathy (CMO): is another disease that affects many terrier breeds. This condition results in swelling of the jaws and leads to pain when eating. It will usually go away on its own between 6 months and 2 years of age, but it can be treated with medications if necessary.
Collapsing trachea: Cairn Terriers with this condition will not have enough cartilage in their trachea to enable their lungs to expand properly. This leads to wheezing, coughing, and shortness of breath.
Mast cell tumors: These are less common than other types of cancer in dogs and will usually only affect older dogs that have had cancer before. They are typically found on the underbelly or rib cage but can also be found elsewhere in the dog’s body.
What does pet insurance cover for a Cairn Terrier?
Pet insurance covers a range of diagnostics, treatments, and procedures for your dog. Depending on the pet insurance plan, you may be covered for injury-only, illness-only, or combination. Based on your plan, you are eligible for the following coverage:
Diagnostic and blood tests: Many pet insurance companies will cover the costs of diagnostic tests, such as a urinalysis or biopsy, that your vet orders to help diagnose a health condition. Some also cover blood tests, but many only cover them if they are part of a diagnosis.
Hereditary and genetic conditions: Several pet insurers will not cover hereditary and congenital disorders that are problems that your pet’s parents passed on to them through their genes. This rule is especially true for purebred dogs, with more genetic issues than mixed breeds.
X-rays and surgeries: Pet insurance plans will generally cover X-rays and surgeries if they are needed to treat an injury or illness. The cost of these procedures can be pretty high depending on the severity of your Cairn Terrier condition so these benefits can be significant.
Medication and hospital stay: If your Cairn Terrier needs medication or has to stay at an animal hospital for treatment, most pet insurers will cover the costs incurred by these treatments. However, pet insurance companies do not typically pay for routine veterinary care, such as annual checkups or vaccinations.
Pet insurance covers a range of treatments, but not preventative or wellness care. Regular check-ups with the veterinarian will not be covered under most pet insurance plans. You will need to take advantage of an individual wellness plan or see if the provider has any add-ons for wellness visits. Most providers do have it as an add-on.
Moreover, most insurance providers will not cover pre-existing conditions before registering your pet for coverage. Review everything your potential pet insurance plan covers and what types of pre-existing conditions they exclude to ensure your pet will be eligible for coverage.
How much does pet insurance cost for a Cairn Terrier?
Cairn Terriers are spunky, friendly little dogs. They love to run around and play, and they get along well with children and other pets. They’re not very territorial, making them suitable for a home with strangers or guests coming in and out. Cairn Terrier can probably have an average cost of pet insurance is around $32.68 per month or $391.16 per year. Most companies offer pet insurance for Cairn Terrier.
How are pet insurance premiums determined for a Cairn Terrier?
Many factors will determine the monthly premium rate for your Cairn Terrier (included but not limited to):
Age: The older your dog is when you purchase a policy, the more expensive it will be. Dogs tend to develop health problems as they get older, so pet insurance companies see older pets as more likely to incur high costs than younger ones.
Location: Some places are more expensive than others and have veterinary offices. As a result, the cost of living in those areas is higher, and pet insurance companies consider that when determining their premiums.
Gender: Male dogs tend to have higher premiums than females because they’re more prone to accidents and certain conditions like prostate problems or bone cancer (which can lead to amputation). Female dogs are calmer and do not encounter many accidents as males.
Medical history: Your pet’s medical history refers to any conditions or illnesses he has had in the past and any current conditions. If your Cairn Terrier has had no health issues in the past, you’ll be eligible for a lower premium compared to someone whose dog has a chronic illness or condition.
Deductible: The deductible is what you pay first before your insurance kicks in. If you choose a lower deductible, you’ll have higher monthly payments but less out-of-pocket costs when something happens. If you choose a higher deductible, your monthly payments will be lower, but significant medical events could cost more than they would with a lower deductible.
Reimbursement rate: The reimbursement rate is how much the insurance covers for each claim (minus any applicable deductible). The reimbursement rate when considering pet insurance premiums for a Cairn Terrier. It refers to how much money you’ll get back from every dollar spent on medical care (for example, 80% coverage means $80 reimbursed for every $100 spent). The higher the reimbursement rate, the more expensive your premium will be each month.
Coverage amount: Many pet insurers offer a variety of coverage amounts that vary based on the average cost of care in your area. If you live in an area where veterinary care is more expensive than average, you can purchase a plan to cover those higher costs.
How to choose the best pet insurance plan for a Cairn Terrier
Many pet insurance options are available for a Cairn Terrier, so how do you choose the best one? Here are some key factors to keep in mind as you are deciding on the right plan:
Budget: Choosing a pet insurance plan that fits your budget is essential. You’ll want to consider how much your monthly income will pay for it. If you’re on a tight budget, don’t worry. Pet insurance plans are available at all price points, so you’ll be able to find something that works for you.
Customer feedback: When looking at different pet insurance companies, ask them if they have any past clients with a dog similar to yours (in size, age, and health). They may be able to put you in touch with those owners so you can ask them questions about their coverage and how the company handled billing or claims. You can also ask if they have an online community where clients can share reviews or complaints.
Conditions covered: Read the fine print carefully before signing up for a plan to make sure that any pre-existing conditions (like hip dysplasia or ear infections) are covered in routine care such as vaccinations, dental cleanings, wellness exams, and spay/neuter surgery.
Reimbursement rate: How much of each veterinary bill is reimbursed after a visit. Depending on your budget, you may want to choose a higher reimbursement percentage even if it costs more upfront. There’s less risk with higher up-front costs if the monthly premium is more affordable over time.
Coverage amount: Coverage amounts usually refer to an annual limit paid out per condition. You should look for a plan with enough coverage for your pet’s needs without paying more than you need to if your pet is older and less prone to accidents.
Deductible: This is what per-incident costs you’ll be responsible for before the insurance company starts to kick in money. Some plans allow you to choose which deductible level you want. A higher-deductible plan will cost less, but more of your own money will be on the line in an emergency. It’s essential to pick an option that makes sense for your lifestyle and budget.
