Best American Cocker Spaniel Pet Insurance of 2022

Lisa Scott

For many of us, our dogs provide us love and affection, and in return we want to ensure they have a long, healthy life ahead of them. Pet insurance can provide medical care to our pets, and also be useful to have when there’s a medical emergency. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

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.

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

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

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 for worth it for an American Cocker Spaniel?

American Cocker Spaniels are sweet and friendly dogs that love attention and being around other people. It’s not uncommon for our pets to become a member of our family and sometimes, even our greatest companions.

Even when we take great care of our pets, there are instances where things may not go as expected. Illnesses and injuries are not always something we can prepare for, regardless of how often we take our dogs to the veterinarian.

Pet insurance can be very helpful so you can prioritize your pet’s health and not worry about potential medical bills. You can put all your attention on your American Cocker Spaniel’s recovery without the stress of choosing between your pet and a financial burden.

Common health conidtions for an American Cocker Spaniel

Typically, American Cocker Spaniels have a longer lifespan than average for dogs. You can expect your dog to live somewhere between 12-15 years. However, like all dog breeds, there are certain medical conditions that your dog could develop such as:

  • Glaucoma: occurs when the eye has an increased level of pressure, caused by inadequate drainage of fluid. This can cause pain for a dog and eventually lead to blindness.
  • Elbow dysplasia: a dog can experience elbow dysplasia when their elbow joint doesn’t align continuously while walking or running, causing damage to the joint. This can make it difficult to walk and often requires surgery to correct.
  • Epilepsy: dogs who experience seizures are often diagnosed with epilepsy, and provided medication for management.

What does pet insurance cover for an American Cocker Spaniel?

Pet insurance covers a range of medical treatments and procedures, which may be necessary over the course of a dog’s life. You can expect the following to be covered by an insurance provider:

  • Vaccinations: regular vaccinations ensure your pet is protected against more serious illnesses. Pet insurance usually covers the cost of vaccines.
  • Surgery and hospitalization: should your pet need to stay at a hospital or undergo surgery, your pet insurance plan will likely cover this for you.
  • Medication and testing: if your pet needs diagnostic testing, or medication to treat certain ailments or illnesses, your pet insurance will cover the cost.

Most pet insurance providers offer plans that cover injury-only, illness-only, or a combination of the two. Depending on the plan you go for, you can expect your pet to be covered for a range of treatments.

While pet insurance covers plenty of medical procedures, pre-existing conditions are typically not covered by pet insurance policies. By getting an insurance plan when your dog is young, your pet can be covered for any illnesses that arise throughout its life.

How are pet insurance premiums determined for an American Cocker Spaniel?

Most pet insurance companies will consider a variety of factors when determining individual pet insurance premiums. The most common determining factors include:

  • Age: depending on how old your American Cocker Spaniel is, you can expect a higher premium. This is due to the fact that an older dog is more susceptible to illness.
  • Medical history: depending on your American Cocker Spaniel’s current medical history, you may need to pay a higher premium. Dogs with previous medical issues will likely cost more to insure.
  • Gender: it is common for insurance providers to charge more for a male American Cocker Spaniel than a female. Male dogs are deemed at higher risk for medical conditions than female dogs.

Additionally, your insurance plan details will factor into your overall premium cost. Your choice of yearly deductible, coverage cap, and reimbursement amount will affect your monthly premium cost.

How to choose the best pet insurance plan for an American Cocker Spaniel

There are plenty of pet insurance plans to choose from when trying to decide on the best one for your American Cocker Spaniel. Different plans offer a variety of details that you can choose from to get the coverage that works best for you. During your search, here are some things to keep in mind:

  • Consider your pet’s needs: be certain that you choose a plan that covers all potential medical treatments and procedures your American Cocker Spaniel may need in the future. Check to see what is covered under each specific plan, and how it might apply to your dog as it gets older.
  • Compare plans: each plan will differ in what they cover, including yearly deductible options, coverage caps, and more. Compare and contrast what each plan has to offer to see which one makes the most sense for your financial situation.
  • Read customer reviews: this will be helpful when trying to gauge on how an insurance provider handles their claims process, customer service, and more.