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Best Barbet Pet Insurance of 2023

Lisa Scott

If you have a Barbet, they’ve already become a loved member of your family. 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.

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

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.

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

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

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

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

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

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

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

$3,000

Coverage Up To

100%

Reimbursement

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

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

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
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Is pet insurance worth it for a Barbet?

The Barbet is an ancient French breed dating back to the jury. Barbets were initially bred to hunt waterfowl and other game birds. Barbets are an active breed with a lot of energy, which means they’re prone to various health issues.

Medical treatment for your Barbet can become very expensive, especially if they encounter a more severe issue that requires invasive treatment. Medical bills for treating a sick Barbet 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 Barbet

Typically, a Barbet has a longer lifespan than the average dog. You can expect your dog to live somewhere between 13 to 15 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

  • Gastric dilatation-volvulus (GDV); is a medical condition that affects the stomach and intestines. GDV occurs when the dog’s stomach bloats and then twists or rotates on its axis. This causes severe pain and can be deadly if it isn’t treated quickly. 
  • Hip dysplasia: A disease that involves an abnormal formation of the hip socket. This can lead to arthritis and other problems if not treated early with weight management, exercise and surgery in some cases.
  • Entropion: is an eye disorder whereby the eyelid rolls inward, causing irritation, redness, and sometimes infection. This condition can usually be corrected with surgery. Ectropion is an eye disorder where the lower lid moves outward and away from the eyeball. The disease causes redness and irritation to the cornea.
  • Patellar luxation occurs when the knee cap slips out of place due to improper bone alignment in the legs. Patellar luxation can cause pain and possibly lameness in the affected leg if it becomes severe enough.
  • Epilepsy; Epilepsy affects many different breeds and is generally characterized by seizures. These seizures can range from mild to severe, with some dogs only showing rare instances of relatively harmless attacks, while others can have frequent severe attacks that may require medication to control. 
  •  Allergies: It can occur in any dog breed, and Barbets are no exception. Some allergies are environmental, such as reactions to pollen or grass; others are food-related. Common symptoms include hair loss and scabbing on the face and paws, ear infections, and skin infections. 

What does pet insurance cover for a Barbet?

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

  • Diagnostic and blood tests: Diagnostic services, including blood and urine tests, are included in your pet insurance policy. This means that you can take your dog for regular checkups and not worry about the cost of the diagnostic tests needed to determine their health status.
  • Hereditary and genetic conditions: Hereditary and congenital conditions are covered under your dog insurance policy from day one. This means that you won’t have to wait until they are fully grown before you can make a claim.
  • X-rays and surgeries: X-rays, CT scans, ultra scans, MRI scans, surgical costs, and even orthopedic surgery are covered under pet insurance. Your dog will be able to get these procedures without you having to worry about the costs involved.
  • Medication and hospital stays: Medication is also covered by your pet insurance policy. This means that if your beloved dog needs medication for an illness or injury, you can claim the cost of their medicine under your policy. Hospital stays are also covered by your pet insurance policy

Pet insurance covers a range of treatments, but it does not cover preventative or wellness care. Regular check-ups with the veterinarian will not be covered under most pet insurance plans. For this type of coverage, you will need to take advantage of a different wellness plan or see if the provider has any add-ons for wellness visits. Most providers usually 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 Barbet?

Barbet insurance costs an average of $41.30 per month or $495.60 per year. That makes it one of the more affordable breeds to insure, much cheaper than most dog breeds.

How are pet insurance premiums determined for a Barbet?

There are many factors that will determine the monthly premium rate for your Barbet (included but not limited to):

  • Age: If you insure your puppy, your premiums will be cheaper than if you insure an older dog. There’s a higher chance of old dogs developing health problems and needing expensive treatments. Older dogs are more expensive than puppies.
  • Location: Some states have higher veterinary costs while others have low veterinary prices. That can affect the amount of premium. If you stay in places with more veterinary costs, you will spend more than the person staying where there are low veterinary costs.
  • Gender: Male dogs tend to be more expensive than female dogs because they’re more likely to get into fights and come away with injuries. While female dogs are calmer, making them less expensive. Male dogs are also prone to many diseases hence being expensive.
  • Medical history: Any pre-existing conditions will affect the cost of your premium and what is covered. It’s is because some policies do not insure dogs with pre-existing conditions.
  • Deductible: This is the amount you pay out-of-pocket before your plan starts paying out for claims. You can set the deductible amount to make premiums more affordable, but you’ll have to pay more upfront for each share.
  • Reimbursement rate: How much of the claim you’ll get back after paying the deductible — typically 80%, 90%, or 100%. The higher the percentage, the higher your premiums will be, but you’ll get more money back for each claim and pay less out-of-pocket toward vet bills. 

How to choose the best pet insurance plan for a Barbet

There are many pet insurance options available for a Barbet, 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: How much can you afford to spend each month? If you have a limited budget and need to keep premiums low, ask about reducing coverage options or increasing deductibles. Choose the best affordable plan according to the money you wish to spend on your pet. Some plans are more expensive, and some are not, depending on your plan.
  • Conditions covered: Some policies cover preexisting conditions, and others do not. If your pet has a history of illness or injury, look for an insurer that offers comprehensive coverage rather than a plan that only covers accidents and illnesses diagnosed after enrollment.
  • Customer feedback: Does the company you’re considering have good reviews on sites like ConsumerAffairs? Check with your vet or other pet owners to determine if they recommend a particular policy. Ask fellow pet owners about the insures and know the best to choose according to their feedback.
  • Reimbursement rate: Reimbursement rates vary by insurer and policy but typically range from 70% to 100%. Higher reimbursement rates generally come with higher premiums, while lower rates usually lower monthly payments.
  • Coverage amount: When selecting a plan, it’s essential to consider your dog’s breed and how likely he will get sick. It’s also necessary to consider which specific illnesses you want to be covered for. Some plans cover preventive care like annual checkups and vaccinations, while more robust plans cover illnesses like cancer, allergies, and arthritis.
  • Deductible: All pet policies require that you pay an annual deductible before it starts covering claims. The higher your deductible is, the lower your premium will be because you’re taking on more financial risk. Consider how much money you’d be able to pay out-of-pocket before choosing a deductible amount.

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