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Best Belgian Tervuren Pet Insurance of 2022

Lisa Scott

If you have a Belgian Tervuren, they’ve already become a loved family member. 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.

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.

Short waiting periods on accidental coverage

Unlimited

Coverage Up To

70% - 100%

Reimbursement Rates

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

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

Is pet insurance worth it for a Belgian Tervuren?

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

Typically, a Belgian Tervuren has a longer lifespan than the average dog. You can expect your dog to live somewhere between 10 – 12 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

  • Hip and elbow dysplasia:  This genetic condition affects the hip joints. Signs include limping and pain. It is one of the most common orthopedic conditions in dogs and is especially common in large breeds like the Belgian Tervuren. This condition is characterized by malformed joints resulting in painful arthritis later in life.
  • Osteochondritis dissecans (OCD): This affects the growth plates between bones. It usually happens when the bone is stressed during growth periods, such as when the dog is too active or their diet is not optimal.
  • Cataracts: It causes the eye lens to become cloudy, impairing vision. The condition often occurs in old age and sometimes can be surgically removed with good results.
  • Autoimmune thyroiditis: This is an inherited autoimmune disease that causes inflammation of the thyroid gland and prevents it from adequately producing hormones necessary for normal function.
  • Cancer: Belgian Tervurens have a high rate of cancer, 50% of the breed dies from cancer. It usually strikes in middle age and can take many forms. The most common is lymphosarcoma (lymphoma), cancer that starts in the lymph nodes or other lymphoid tissue and quickly spreads throughout the body. Other cancers include hemangiosarcoma (cancer of blood vessels), mast cell tumors, and osteosarcoma (bone cancer). There’s an association between a Belgian Tervuren and mammary cancer, too.

What does pet insurance cover for a Belgian Tervuren?

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: Vets can carry out a range of tests to diagnose the problem with your pet. These include tests for heartworm, tick-borne diseases, and diabetes, among others, and most insurers will cater to these costs.
  • Hereditary and genetic conditions: Some pet insurance companies cover hereditary and genetic disorders, including hip dysplasia, congenital heart disease, cataracts, and elbow dysplasia.
  • X-rays and surgeries: If your pet has a broken bone or needs an operation, you might be able to claim these costs from your pet insurance company.
  • Medication and hospital stay: If your pet is recovering from surgery or illness, they may need to stay in the vet’s hospital for a few days. You can also claim your pet’s medications from some insurers.

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 separate 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 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 Belgian Tervuren?

Pet insurance costs vary widely, depending on the pet, age, health, and coverage. The average monthly premium ranges from $40 to $80 for dogs.

How are pet insurance premiums determined for a Belgian Tervuren?

Many factors will determine the monthly premium rate for your Belgian Tervuren (included but not limited to):

  • Age: Younger pets typically have lower premiums because they’re less likely to need as much treatment. Older pets can still get insurance, but their premiums will be higher.
  • Location:  If you live in an area where the cost of veterinary care is higher, you’ll probably pay more for pet insurance. For example, if you live in New York City, you could pay more for the same coverage than someone in a rural area.
  • Gender: Males typically cost more to insure than females since they are more playful and frequent to injuries.
  • Medical history: If your pet has previous medical issues, expect to pay even more.
  • Deductible: The deductible is what you’ll need to pay before your insurance company pays for covered treatments. Higher deductibles mean lower monthly premiums and vice versa.
  • Reimbursement rate: Pet insurance companies typically offer several reimbursement rates, such as 70%, 80%, or 90%. The higher the reimbursement rate, the more expensive the premium.
  • Coverage amount: The amount an insurance company will provide varies. These can range from $5,000 to unlimited.

How to choose the best pet insurance plan for a Belgian Tervuren

Many pet insurance options are available for a Belgian Tervuren, 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 pay for your pet’s medical care? That’s what you need to figure out first. Then you can look for plans that will cover as much cost as possible without breaking the bank each month.
  • Customer feedback: Ask for references from other veterinarians and friends with pets.
  • Conditions covered: Some pet insurance plans don’t cover hereditary or pre-existing conditions, while others do. If your dog has health problems, select an insurer willing to help shoulder medical costs associated with those issues.
  • Reimbursement rate: The reimbursement percentage tells you how much of the vet bill you will receive after meeting your deductible. Choosing a plan with 80% to 90% coverage will give you some cushion in case the costs come high from the vet.
  • Coverage amount: You may want to consider a higher coverage amount, so you won’t be responsible for paying as much out-of-pocket when your pet receives treatment. You can save money by purchasing a lower policy limit, but if your dog ever has a severe accident or illness and the costs go beyond the limit, there won’t be much help from the insurer.
  • Deductible: Higher deductibles save money on premiums, but they also mean that more of your veterinary bills will come out of pocket before the policy kicks in. Choose a deductible that makes sense for your budget and usage.