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Best Belgian Shepherd Malinois Pet Insurance of 2022

Lisa Scott

Our dogs can be a significant part of our lives and for some people, their closest companion. This is why you want to ensure your Belgian Shepherd Malinois dog is able to access medical care when needed. With pet insurance coverage, you can provide your pet with exceptional care while also reducing the chance of financial risk. By securing a pet insurance plan, you can avoid a situation where you have to choose between your pet and their medical bills. 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 Belgian Shepherd Malinois?

Regardless of the type of dog you have, there is always a possibility your pet can get sick or injured. Sometimes, these illnesses or injuries can require more treatment such as hospitalization, medication, or surgery, which can also get quite expensive.

Belgian Shepherd Malinois dogs, like all other purebred dogs, are more susceptible to major health issues that may need a high level of treatment. There are also specific genetic issues that can arise in purebred dogs, no matter how well you take care of them. In these instances, you want to be prepared to give them the care they may need.

Pet insurance is the best way to ensure you can afford the treatment your dog needs in the event of a medical emergency, or even for long-term care. Additionally, a pet insurance plan can alleviate the large costs of veterinary care and allow you to focus on your pet’s recovery.

Common health conditions for a Belgian Shepherd Malinois

Belgian Shepherd Malinois dogs are healthy dogs, but due to their purebred status, they have a high likelihood to develop certain issues. The most common conditions include:

  • Hip dysplasia: occurs when the hip joint becomes worn down overtime. This can lead to difficulties walking and exercising, and eventually will require surgery to fix.
  • Bloat: this occurs when a dog’s stomach twists on itself and fills up with gas. This cuts off blood supply to the stomach and other organs, and can lead to death in as little as 30 minutes. Emergency treatment is necessary to fix bloat, but there is preventive surgery available.
  • Epilepsy: typically, this condition develops early on in a dog’s life, between the ages 1-3. It causes frequent seizures that can be life-threatening to the dog. Preventive medicine that works to curb seizures is the best treatment against epilepsy.

Additionally, Belgian Shepherd Malinois dogs are susceptible to injuries from exercising, including torn ligaments or broken bones.

What does pet insurance cover for a Belgian Shepherd Malinois?

Pet insurance coverage ranges depending on the type of insurance plan. Most plans distinguish between injury-only, illness-only, and combination plans that cover different types of treatments. Typically, pet insurance plans cover the following:

  • Hospitalization: if your dog needs to stay in a hospital for a period of time leading up to or following treatment, pet insurance will help to cover the costs associated.
  • Surgery: pet insurance will cover both emergency or planned surgeries your dog may need to help treat health issues or injuries that may occur.
  • Medication: most illnesses and some injuries require medications to help manage symptoms and treatment. Pet insurance will help to cover the cost of these.

While pet insurance covers a range of treatments and procedures, most will not cover pre-existing conditions. This is why it is important to get pet insurance coverage as early as possible into your dog’s life to ensure their potential health issues will be covered.

How are pet insurance premiums determined for a Belgian Shepherd Malinois?

Pet insurance premiums are largely dependent on the details of the unique plan you choose. Some of the most common details that factor into the cost of pet insurance include:

  • Age: the older the dog is, the more likely it is to experience significant health issues. Pet insurance coverage for older dogs tends to be more expensive than coverage for younger dogs.
  • Medical history: dogs that have other health issues that may make them more susceptible to injury or illnesses are likely to need more medical care over time. This will likely lead to a higher overall plan cost.
  • Plan details: pet insurance plans differ based on what they offer for deductibles, coverage caps, and reimbursement percentages. The details of these plans will factor into the overall cost of the insurance plan.

Additionally, pet insurance plans will range based on location. Areas that have less availability for veterinary services are likely to require a higher overall insurance plan.

How to choose the best insurance plan for Belgian Shepherd Malinois

Choosing the right insurance plan for your Belgian Shepherd Malinois requires you to do some research. To help you with your search, consider the following:

  • Budget: insurance premiums vary greatly for pet insurance plans. Be sure to determine a budget you are comfortable paying on a monthly basis as this will help you narrow down your options.
  • Consider your dog’s medical history: your dog’s unique medical history will be a factor in deciding which plans they are eligible for. Be sure to review the details of potential plans before finalizing your purchase.
  • Compare plans: insurance coverage will differ from provider to provider. Be sure to compare what each pet insurance plan has to offer when it comes to overall deductible amounts, coverage capacity, and more.