FROM OUR PARTNERS

Best Berger De Bresse Pet Insurance of 2022

Lisa Scott

If you have a Berger De Bresse, 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.

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 Berger De Bresse?

The Berger de Bresse is a curious breed. They have a high prey drive, making them good at hunting, but they can be stubborn and like to wander. Therefore, they can be prone to getting injured.

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

Typically, a Berger De Bresse has a longer lifespan than the average dog. You can expect your dog to live somewhere between 13 – 14 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

  • Patent ductus arteriosis: This is a heart defect found in some breeds but is not common in a Berger De Bresse. The condition occurs when the ductus arteriosis, which usually closes after birth, remains open throughout the dog’s life.
  • Hip dysplasia: The Berger de Bresse is prone to hip dysplasia. Hip dysplasia is a severe disease that results from the misalignment of the thigh bone with the hip joint. The dislocation causes inflammation and pain, worsening into arthritis as the dog ages. This condition can be managed with medication and surgery if necessary. You should buy your puppy from a breeder who health tests their dogs for this disease.
  • CHD (Congenital heart disease): These are common and vary from simple to complex. The most common congenital heart defect is a ventricular septal defect(VSD). A VSD is an opening in the heart’s lower chambers wall that causes oxygen-rich blood to mix with oxygen-poor blood. This results in less oxygen being delivered to the body.
  • Hypothyroidism: Hypothyroidism is a common condition in dogs. It is caused by the body producing too little thyroid hormone. It is relatively easy to diagnose and treat with medication, so if you think your Berger de Bresse might have an underactive thyroid, ask your vet to test your pet.
  • Heart problems: The Berger De Bresse is prone to heart conditions such as cardiomyopathy and subaortic stenosis. If you notice a change in your dog’s behavior or energy levels, or it coughs persistently, it’s time for a trip to the vet. Your pet may need medication to help manage the symptoms.
  • Allergies: Allergies can occur in dogs, even those with short coats. Allergies can be caused by environmental factors such as pollen or food ingredients such as corn or preservatives. Many dogs with allergies suffer from chronic ear infections due to yeast overgrowth in the ear. Allergies include skin irritation, hair loss, itching, excessive licking of paws and rubbing of the face on objects such as furniture, frequent ear infections, sneezing, and wheezing. Allergies can be managed through diet changes or medications prescribed by your veterinarian.

What does pet insurance cover for a Berger De Bresse?

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: When your pet is sick or injured, these tests help your veterinarian determine what’s wrong and how to treat it, and your pet insurance will cover the costs.
  • Hereditary and genetic conditions: If your pet has a congenital disease such as hip dysplasia or diabetes, your policy may cover it.
  • X-rays and surgeries: These procedures can range from simple spays or neuters to complex orthopedic operations costing thousands of dollars which most insurance companies generally cover.
  • Medication and hospital stay: If your pet requires medication to treat its illness or injury, the policy will usually cover it.

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 Berger De Bresse?

The average cost of pet insurance for the Berger de Bresse is around $40.43 per month. These varies by state and other factors.

How are pet insurance premiums determined for a Berger De Bresse?

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

  • Age: Your pet is more likely to get sick or injured as it gets older. The older it gets, the higher your premium will be.
  • Location: Pet owners in some areas pay more for pet insurance than others. This is because the cost of vet care varies from region to region.
  • Gender: Males are generally expensive to insure since these pets are prone to injuries as they are more aggressive than the female ones.
  • Medical history: Pets with a long history of previous illnesses or with pre-existing conditions may cost more to insure.
  • Deductible: You’ll typically choose an annual deductible when you purchase a policy for your pet, which is the amount you have to pay out-of-pocket before your insurance company pays for any covered treatment for the year. Higher deductibles usually mean lower premiums and vice versa.
  • Reimbursement rate: This is the amount that you opt-in for the pet insurance company to cover. It typically ranges from 70% to 90%. Purchasing a higher percentage means you’ll pay a higher premium, and vice versa.
  • Coverage amount: The higher the coverage amount you choose for your pet, the higher your premium will be. It ranges from $5,000 to unlimited.

How to choose the best pet insurance plan for a Berger De Bresse

Many pet insurance options are available for a Berger De Bresse, 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: Pet insurance plans can range from as low as $20/month to $100/month or more. It’s essential to find a plan that fits your budget, so take into consideration of your total monthly costs and see how it fits the plan. 
  • Customer feedback: A company with satisfied customers is more likely to be there when you need them the most. Additionally, you can opt for a reference from other pet owners based on their experience.
  • Conditions covered: There are limitations on what most pet insurance companies protect, including pre-existing conditions (i.e., conditions that existed before you got the pet insurance).
  • Deductible: Choose a deductible that makes sense for your budget and usage. Higher deductibles mean lower monthly payments. Avoid choosing an amount that you won’t be able to pay if your pet needs unexpected surgery or treatment.
  • Reimbursement percentage: 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: Some policies cover all eligible vet bills, while others limit how much you’ll be reimbursed each year.