Best Bergamasco Pet Insurance of 2022

Lisa Scott

If you have a Bergamasco, 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.

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

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

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 Bergamasco?

A Bergamasco is generally a healthy breed but like all breeds, there may be some health issues.

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

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

  • Hip dysplasia: This is a common issue in all large dogs, and the Bergamasco is no exception. The condition causes the hip joint to form improperly, leading to pain and lameness. Hip dysplasia can be managed with medication and surgery.
  • Epilepsy: Bergamascos are more prone than most breeds to epilepsy, a neurological disorder that causes seizures. Epilepsy is manageable with medication.
  • Bloat: This condition can affect large breeds. It occurs when the stomach fills with gas or fluid and twists upon itself. Bloat can be life-threatening if not treated right away. If you suspect your Bergamasco is suffering from bloat, contact your vet immediately.
  • Eye problems: Bergamascos may suffer from Progressive Retinal Atrophy (PRA), a disease that causes the deterioration of the retina. This leads to night blindness and eventually complete blindness. Bergamascos can also have eyelid problems, such as Entropion (rolling inwards) and Ectropion (rolling outwards). Both irritate and can lead to damage to the eye. Entropion is usually an inherited condition, whereas Ectropion may result from trauma or injury.
  • Ear infections: Because of their heavy coat, Bergamascos are prone to ear infections. They enjoy swimming, so check their ears after each dip in the pool or ocean. If you notice any redness or discharge, contact your veterinarian immediately, as these could be signs of an infection.
  • Cancer: The most common cancers in dogs include breast cancer, lymphoma, liver cancer, and hemangiosarcoma. In rare cases, cancers can also affect other body parts, including the gastrointestinal organs, skin, and bones.

What does pet insurance cover for a Bergamasco?

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: If your dog is sick or injured, these tests are essential for the veterinarian to make an accurate diagnosis, so treatment can begin as soon as possible. Pet insurance plans generally cover these tests, although there may be some exclusions or limits on how much is covered.
  • Hereditary and genetic conditions: Some pet insurance plans will reimburse you for treatments your dog may need because of congenital problems passed down from their parents. These conditions include hip dysplasia in large breed dogs, heart disease in certain small breed dogs, and more.
  • X-rays and surgeries: Most plans will include these, although some may limit the amount you can claim per year. Check with your insurer before signing up.
  • Medication and hospital stay: This type of coverage is often included in pet insurance policies, but some companies may restrict how much you can claim and how many times per year you can make claims.

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 Bergamasco?

The cost of pet insurance varies widely by state, with the premiums averaging $39 to $73 a month.

How are pet insurance premiums determined for a Bergamasco?

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

  • Age: The younger the dog, the lower the premium because older dogs will more likely have health issues.
  • Location: Where you live will affect the overall price of pet insurance. If you live in a state with high veterinary costs, expect to pay more.
  • Gender: Dogs of the male gender tend to be more expensive than females because they’re more likely to roam and get into trouble.
  • Medical history: If your dog has any pre-existing conditions, it’ll probably be excluded from coverage by most providers. However, you may still be able to purchase a policy with wellness coverage that helps with expenses like routine care and vaccinations. 
  • Deductible: The deductible is the amount you have to pay out of pocket when filing a claim. Higher deductibles will lower your premium.
  • Reimbursement rate: You’ll be reimbursed for the percentage of eligible expenses if you file a claim. A lower reimbursement rate will result in lower premiums and may leave you paying more out-of-pocket costs when filing a claim. These rates are usually from 70% to 90%
  • Coverage amount: You can choose how much your policy will cover for each condition treated. Since treatment for illnesses and injuries can be incredibly expensive, it’s best to consider how much coverage amount you can afford.

How to choose the best pet insurance plan for a Bergamasco

Many pet insurance options are available for a Bergamasco, 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: What’s your budget? Pet insurance is an added expense, so it’s essential to know how much you can afford to spend each month on a policy. Premiums vary by the animal’s age and breed and the amount of coverage and deductible.
  • Customer feedback: Reputable pet insurance companies offer excellent customer service, and the claims process goes smoothly and quickly. You should ask for references from your friends who own pets and read online reviews before deciding which company to go with.
  • Conditions covered: Look at the list of states covered by the plan you’re considering. If there are certain conditions you’re particularly concerned about based on your pet’s health history, look for a plan that includes coverage for those conditions. Be keen to check if pre-existing conditions are covered.
  • Reimbursement rate: This is the percentage of costs your insurer will pay once you submit a claim. Reimbursement rates can range from 70% to 90% and vary by insurer. Plans with lower premiums will generally have reimbursement rates on the lower end of this spectrum and vice versa.
  • Coverage amount: The higher this number, the more expensive your monthly premium will be. However, if you have a dog predisposed to significant health issues or an older dog that may need more care down the road, it can be worth paying extra to increase this number, so you won’t need to upgrade plans later on.
  • Deductible: Your deductible is the portion of a veterinary bill you’re responsible for paying before your insurer begins paying its share or reimbursing you. Some companies allow you to choose a deductible when selecting the plan, while others may have a set deductible.