Best American Pit Bull Terrier Pet Insurance of September 2021

Lisa Scott

If you have an American Pit Bull Terrier, chances are they’ve already become a loved member of your family. Keep them healthy and safe by investing in quality pet insurance.

Extensive coverage to help keep your pet healthy

$20,000

Annual Coverage

90%

Reimbursement Rate

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.

Customizable plan to fit your pet's needs

$10,000

Annual Coverage

90%

Reimbursement Rate

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.

Affordable prices with a fast reimbursement process

$100,000

Annual Coverage

90%

Reimbursement Rate

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 $19/m

$3,000

Annual Coverage

100%

Reimbursement Rate

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 $19, 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 $19
  • Allows coverage on 6 pets for $19 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 American Pit Bull Terrier pet insurance worth it?

We all want our pets to be happy and healthy throughout their lives. This requires visits to the vet in cases of injury or illness.

The American Pit Bull Terrier is a pure breed, which leaves them more likely to develop genetic health issues throughout their life. These health problems can be very serious and require a lot of treatment that results in high veterinary bills. You never want to have to choose between your pet’s health and what you can afford to treat them.

Pet insurance helps you be able to afford the costs associated with the treatments and procedures your dog needs. With insurance coverage, you are able to prioritize your American Pit Bull Terrier’s health without having to worry about the cost.

Common health conditions for the American Pit Bull Terrier

The American Pit Bull Terrier is susceptible to a few genetic issues that can cause health problems. Additionally, their love for exercise and running around may result in some injuries down the line. Some common health conditions these dogs experience are:

  • Hip dysplasia: The American Pit Bull Terrier is susceptible to hip dysplasia, which is caused by constant grinding of the hip joint bones incorrectly. This causes significant problems with the hip function and results in issues walking which often needs surgery to correct.
  • Thyroid disease: Caused by the thyroid failing to produce adequate thyroid hormones, thyroid disease leads to weight gain and skin problems. Blood tests are used to diagnose this issue and medication will be subscribed to help the thyroid produce the right amount of hormones.
  • Heart disease: Heart disease is a relatively common genetic issue that impacts these pit bulls. This issue rarely presents with symptoms, so it is important to get your dog checked out regularly by the vet to avoid it developing into a serious condition.

What does pet insurance cover for the American Pit Bull Terrier?

Pet insurance covers a range of diagnostics, treatments, and procedures for your dog. Depending on the pet insurance plan you get, you may be covered for injury-only, illness-only, or a combination of the two. Based on your plan, you are eligible for the following coverage:

  • Diagnostic & blood tests: To help diagnose specific issues with your American Pit Bull Terrier, your pet insurance plan can cover blood tests, scans, and other diagnostic tests.
  • X-rays and surgery: If your dog gets injured, your pet insurance will cover costs associated with getting an X-ray. If they need surgery to correct an injury, your coverage will extend to these costs as well.
  • Medication and hospital stays: For treatment of an illness or injury, your dog may need to stay in a hospital. Additionally, they may be prescribed medication to help them heal. Your pet insurance will cover these instances so you can focus on them getting better.

Pet insurance covers a range of treatments, but it does not cover preventive or wellness care. Regular check-ups with the vet will not be covered under most pet insurance plans. For this type of coverage, you will need to take advantage of a separate wellness plan or see if your current one has any add-ons for wellness visits.

How are insurance premiums for an American Pit Bull Terrier determined?

There are multiple factors that go into your dog’s pet insurance coverage:

  • Age: Depending on your dog’s age, you may be required to pay more or less than average for insurance coverage. Older dogs that are more susceptible to developing health issues are likely to have a higher monthly premium than younger dogs.
  • Medical history: Pit Bulls that have a history of certain medical issues and are more likely to have a higher overall insurance premium. This is because they are likely to need more medical procedures and treatments done throughout the year. 
  • Location: Where you and your pet are located will contribute to the premium you pay for pet insurance coverage. If you are in an area with less available veterinary services, you are likely to pay a higher premium. 

It is important to note that some pet insurance providers will not cover dogs that have certain health conditions. Serious medical issues, like cancer, may not be covered under insurance and some providers will deny coverage altogether. Be sure to check the details of your provider plans before applying.

How to choose the best American Pit Bull Terrier pet insurance?

There are many pet insurance options available for an American Pit Bull Terrier, so how do you choose the best one? Here are some key things to keep in mind as you are deciding on the right plan: 

  • Consider your pet’s health: You will want to choose a pet insurance plan that covers your dog’s unique medical needs. If they require certain medical treatments and procedures, you will want to ensure the insurance plan covers them.
  • Determine a budget: Pet insurance differ from provider to provider in the costs associated with their coverage plans. To help you choose the right plan for you, determine a budget that works for you and review plans that fit into your budget.
  • Compare plan details: Various plans offer different coverage options, and you will want to review what each has to offer and how it applies to your pet. From here, you can identify which plans make the most sense for your dog and choose the one that covers the most medical treatments and procedures you anticipate your Pit Bull may need.