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Best Bedlington Terrier Pet Insurance of 2022

Lisa Scott

If you have a Bedlington Terrier, 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.

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.

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

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

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

Is pet insurance worth it for a Bedlington Terrier?

A Bedlington Terrier is a lively and affectionate dog, but this breed is prone to several health issues.

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

Typically, a Bedlington Terrier has a longer lifespan than the average dog. You can expect your dog to live somewhere between 12 to 14 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

  • Copper toxicosis: This hereditary condition causes copper buildup in the liver. The disease is progressive and fatal. Copper levels throughout the body, including feces, can be measured through blood and stool tests. Even though the disease is inherited, it’s still possible for a dog with two healthy parents to develop copper toxicosis.
  • Retinal dysplasia and distichiasis: These eye conditions range from benign to severe and may cause blindness or eye irritation.
  • Patellar luxation: This occurs when the kneecap slips out of place. It can cause lameness or pain in the affected dog’s back legs. It can be managed by surgery.
  • Distichiasis: The other most common health issue in a Bedlington Terrier is distichiasis, a condition where extra eyelashes grow from the eyelid margin and irritate the eyeball when blinking. This irritation can cause corneal ulcers in some cases. In addition to antibiotics for any infections and surgical removal of any extra lashes, affected dogs may need topical medications to decrease inflammation and help relieve pain.
  • Allergies: Your Bedlington Terrier can suffer from allergies caused by a variety of things. Most common allergies include food, flea bites, and environmental allergens. If you notice your dog constantly itching and feeling uncomfortable, it is likely being affected by allergies. These can be treated with medication prescribed by your vet.

What does pet insurance cover for a Bedlington 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: Any treatment requires a diagnosis. When your veterinarian orders a physical exam or blood test to understand what’s going on, pet insurance will reimburse you for these costs.
  • Hereditary and genetic conditions: Pet insurance can often cover hereditary and congenital conditions, but they are frequently subject to exclusions or waiting periods.
  • X-rays and surgeries: Whether it’s a torn ACL or an infected tooth, if surgery is required to treat your dog’s condition, pet insurance should help pay for this expense. This is generally covered if a vet thoroughly recommends an x-ray to diagnose your dog’s problem.
  • Medication and hospital stay: Coverage is provided for injuries, illnesses, surgeries, and diagnostic tests. In some cases, prescription food or medicine may also be covered.

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. You will need to take advantage of a different wellness plan for this type of coverage 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 you registered 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 Bedlington Terrier?

The cost of pet insurance varies based on the plan you choose, your dog’s age, breed, and where you live. There are a lot of factors that determine your premium and monthly cost. You can expect to pay an average of $60 per month for a Bedlington Terrier.

How are pet insurance premiums determined for a Bedlington Terrier?

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

  • Age: The older your pet, the more likely it will develop expensive health problems. Therefore, premiums increase as pets get older.
  • Location: Where you live can affect your premiums, some areas have higher veterinary costs than others.
  • Gender: Male pets are generally more aggressive than females, so males are more likely to get injured from fights with other animals or from rambunctious play. They also have a higher likelihood of wandering off, which puts them at risk of getting hit by cars or getting lost. Therefore, male dogs generally have a higher premium.
  • Medical history: If your pet has any pre-existing conditions, you’ll pay more for coverage to help cover those costs. You may also see higher premiums if your pet has a breed susceptible to certain medical conditions, such as hip dysplasia or knee problems in large dogs.
  • Deductible: The higher your deductible, the lower your premium will be. However, this means you’ll pay more out-of-pocket in the event of an accident or illness before coverage kicks in.
  • Reimbursement rate: These rates typically range from 70% to 90%. For example, if you select 80% reimbursement, you’ll pay 20% of all eligible vet bills out-of-pocket at this level, and the insurance company pays 80%. The higher the percentage of reimbursement chosen, the more expensive the policy.
  • Coverage amount: The coverage you choose will affect the premium price. For example, if you choose $3,000 in annual coverage for your dog, you’ll pay lower premiums than if you select $8,000 in coverage for the same dog breed with the same conditions.

How to choose the best pet insurance plan for a Bedlington Terrier

There are many pet insurance options for a Bedlington 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: This is one of the first things you need to think about with pet coverage because there’s no point in looking at plans you can’t afford. Pet insurance premiums can vary widely by company and coverage amount. Make sure you can afford the monthly cost of your chosen policy.
  • Customer feedback: Seek references from your veterinarians and speak with other pet parents to learn how a company handles claims and customer service.  Are they easy to get in touch with? Are they able to process claims quickly?
  • Conditions covered: See what your policy covers and excludes, such as any pre-existing conditions.  Some plans cover hereditary and congenital conditions, while others do not.
  • Reimbursement rate: The higher the reimbursement rate, the more money you’ll have to pay out-of-pocket when your pet is injured or ill.
  • Coverage amount: You can buy coverage for a set amount per incident or per month or year. You can also purchase unlimited coverage with no cap on payouts. The latter option is more expensive, but it’s worth considering if you think your pet will have a severe medical condition that could require long-term care.
  • Deductible: This is the amount you’ll have to pay before your insurance company reimburses any claim. Pet insurance carriers offer deductibles as low as $100 or as high as $1,000.  You’ll have to think about if you can pay a large deductible or a lower amount based on your financial situation.