FROM OUR PARTNERS

Best Belgian Shepherd Malinois Pet Insurance of 2024

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.

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 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.

Ultimate Guide to Keep Your Pet Happy and Healthy
Learn how to provide the best care for your furry friend with practical tips and expert advice in this FREE comprehensive e-book.
GET THE EBOOK