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Best American Bully Pet Insurance of 2022

Lisa Scott

Just like your family, you want to ensure your American Bully dog is safe and healthy throughout their life. It is important that you are able to access medical care, especially in an emergency situation. With pet insurance coverage, you can feel more secure knowing you can provide care to your pet easily and not worry about financial risk. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

Overview

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
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

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.

Short waiting periods on accidental coverage

Unlimited

Coverage Up To

70% - 100%

Reimbursement Rates

Overview

MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

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
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement Rates

Overview

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

Is pet insurance worth it for an American Bully?

American Bullies are loving and protective dogs that make for great security and a playful companion in your home. They are a fantastic dog breed and likely to become a cherished member of your family.

American Bullies require a lot of exercise and a great diet filled with nutrients. Following this regimen can help to maintain their health, however, even the healthiest dogs can encounter health issues.

Unexpected illnesses or injuries in dogs can be very serious and these issues can lead to more significant medical treatments. Having to get your pet medical treatment for serious injuries can be stressful as it is, and that is without factoring in the payment.

To avoid a situation where you are unable to afford treatment for your dog, you will want to consider pet insurance coverage. With a pet insurance plan, you will be able to afford the necessary treatments and put your focus on supporting your dog’s recovery.

Common health conditions for an American Bully

American Bullies are very active dogs that like to run around and spend lots of time outdoors. They’re great dogs for anyone looking to get more time outside, or looking to incorporate some daily physical activity.

Though they are a relatively healthy breed, American Bullies are susceptible to certain health conditions such as:

  • Hip dysplasia: this occurrs when the hip joint wears down overtime, or when the joint aligns incorrectly. Hip dysplasia causes lots of discomfort in pets and can lead to trouble walking and sitting. Severe hip dysplasia often needs to be corrected with surgery.
  • Cataracts: this cause dogs to lose some or all of their sight in the affected eye(s), noticeable by a milky white film over the eye. Many dogs have a genetic predisposition to cataracts.
  • Congenital heart failure: occurs when the heart is unable to pump blood throughout the body. This can lead to serious issues, including death.

Additionally, due to their constant exercise needs and spending time outdoors, American Bullies are prone to getting injuries from time to time. As they begin to age, these injuries can become more severe and result in long-term issues with their joints.

What does pet insurance cover for an American Bully?

Many pet insurance providers cover a range of health issues under their plans. Most policy providers offer options for coverage related to injuries, illnesses, or a combination of the two.

The following are common for pet insurance policies to cover:

  • Accident treatment: if your dog breaks a bone, tears a ligament, or is bit by a bug outdoors that results in an injury, your pet insurance plan will likely cover the necessary treatments.
  • X-rays and diagnostic tests: to help diagnose an issue, most pet insurance plans will cover x-rays, MRIs, and other diagnostic tests. These can help determine the best course of action to treat your dog.
  • Surgery and medication: if your dog needs surgery following an injury or illness, you can expect your pet insurance plan will cover the cost. Additionally, medication prescriptions following these treatments will likely be covered as well.

While pet insurance covers a range of treatments and procedures, it does not cover everything. Many pet insurance plans will not cover costs associated with preventive and routine care treatments. You will either have to pay for these treatments out of pocket or add on a wellness or preventive care clause to your plan.

How are pet insurance premiums determined for an American Bully?

Depending on your pet’s breed, the insurance premiums will vary based on your dog’s unique coverage needs. There are a number of factors that help to determine your American Bully’s pet insurance premiums such as:

  • Age: if your American Bully is older, you can expect to have a higher average insurance premium. Older dogs are more likely to have severe health issues that will require more medical treatment.
  • Medical history: depending on whether your American Bully has already experienced health issues, you may be expected to pay a higher monthly premium for their coverage. This is due to them being regarded as a higher risk, as they are more likely to need future medical treatment.
  • Location: depending on where you are located, the availability and average cost of veterinary care can vary. If veterinary care is not easily accessible, you can expect the cost to be higher.

Additionally, American Bullies are regarded as a more aggressive dog breed compared to others. For this reason, some insurance agencies will charge more on average to cover them. This is something to be aware of as you are reviewing the average costs of different plans available.

How to choose the best pet insurance plan for an American Bully

There are plenty of pet insurance plans available to choose from when deciding on the best one for your dog. To help you pick out the right coverage option for your American Bully, consider the following:

  • Consider your dog’s needs: if your American Bully has specific health issues that require certain treatments or procedures, you will want to be certain your insurance provider is able to cover these treatments. Additionally, you will want to confirm your pet insurance covers treatments for potential issues that are common in American Bullies.
  • Compare and contrast plans: plans differ based on the types of treatments they offer. Pay attention to plan details such as the deductible, coverage caps and reimbursement options. Compare and contrast what each available plan has to offer, and the costs associated as you narrow down your options.
  • Customer reviews: customers will often leave reviews about their experience with an insurance provider. Read these reviews to gauge on how they handle their claims process, customer service inquiries, and more so you know what to expect from the insurer.