Best Berger De Savoie Pet Insurance of 2022

Lisa Scott

If you have a Berger De Savoie, 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.

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

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 Berger De Savoie?

A Berger De Savoie is well known as a playful, and affectionate dog. You should consider insuring your pet to cater for any injury the dog might encounter.

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

Typically, a Berger De Savoie has a longer lifespan than the average dog. You can expect your dog to live somewhere between 9 to 13 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

  • Heart Issues: The Berger De Savoie are susceptible to a heart disease called dilated cardiomyopathy, which weakens the heart muscles and causes them not to pump blood efficiently. The condition is usually detected through an irregular heartbeat that your vet can hear with a stethoscope, though it may also be seen through X-rays or an electrocardiogram.
  • Hypothyroidism: This condition causes low thyroid hormones, which slows down metabolism. Hypothyroidism leads to lethargy, skin and coat problems, weight gain, and behavioral issues. Although it’s not curable, it is easily controlled through daily medication.
  • Cancer: The most common is cancer. The severity of this disease can vary widely, ranging from benign to malignant tumors that grow quickly and spread to other parts of the body. The Berger des Savoie is prone to developing mast cell tumors, which are aggressive and metastasize easily. They also develop hemangiosarcoma, fibrosarcoma, osteosarcoma, and mammary tumors.
  • Allergies: This condition also affects this breed in large numbers, including food allergies and atopic dermatitis, a condition that causes intense itching. There is no known cure for atopic dermatitis, but allergy shots may help suppress the itchiness.
  • Hip dysplasia: This condition occurs when the thighbone doesn’t fit properly into the hip joint and can lead to lameness and arthritis. The dog may need surgery to correct the problem in severe cases, but many dogs with milder hip problems do well with appropriate exercise and medication. 
  • Elbow dysplasia: This refers to a group of inherited conditions that cause abnormal development of the elbow joint in young growing dogs. All three conditions involve malformation of cartilage or bone in the elbow joint, leading to painful arthritis as the dog ages. X-rays can reveal these problems, and proper treatment will depend on the severity and form of the condition.

What does pet insurance cover for a Berger De Savoie?

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: These tests can help your veterinarian determine what is wrong with your pet. In many cases, this might be something as simple as a urinary tract infection or another minor issue. However, if the test results show that there is something more serious going on with your dog, this can add up to much higher costs for veterinary care.
  • Hereditary and genetic conditions: This is one of the most common reasons why people choose not to insure their dogs. If your dog has any type of hereditary or genetic condition, like hip dysplasia or heart disease, then chances are good that this will increase the cost of insuring them considerably.
  • X-rays and surgeries: Because a Berger De Savoie is a big dog, they need larger dosages of any medications or anesthesia used during surgery. This can add up quickly, especially if the dog needs to stay in the hospital overnight.
  • Medication and hospital stay: If your pet does become seriously ill, you could be faced with spending thousands on medication and hospital stays. By having insurance for your pet, you can rest assured that you’ll be able to afford the best care possible for your pet without it costing you an arm and a leg.

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 Savoie?

Pet insurance typically costs between $20 and $75 a month. It can be more or less than that, depending on your pet’s age and the plan you buy.

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

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

  • Age: The older your pet is, the more likely they will get sick or injured and therefore have higher premiums.
  • Location: Insurance rates can vary by state because of differences in veterinary costs and breed restrictions. For instance, conditions with higher veterinary costs will result in higher premiums.
  • Gender: Males tend to have higher rates than females because they’re more prone to accidents or being hit by a car due to their aggressive nature.
  • Medical history: Your pet’s medical history can affect their premium. A dog with a higher risk for hip dysplasia may have a higher premium than one without the risk.
  • Deductible: This is how much you want to pay out-of-pocket before your policy covers expenses. The higher the deductible, usually the lower the monthly premium.
  • Reimbursement rate: How much do you want to be reimbursed for each claim. Higher reimbursement rates mean higher monthly premiums but less money out of pocket when something happens to your pet.
  • Coverage amount: The monthly premium is primarily determined by the coverage level you select and the deductible. Coverages can range from $5,000 to unlimited. The higher the amount the higher the premium.

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

There are many pet insurance options available for a Berger De Savoie, 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 into a policy each month? What are your priorities for spending money on your Berger De Savoie?
  • Customer feedback: Check out online reviews of pet insurers and see what their customers have to say. Some companies may have more satisfied customers than others. Also, ask for references from other pet owners.
  • Conditions covered: Each company treats conditions differently. Some will cover only accidents, while others will cover illnesses too. If a situation has been treated in the past, it might not be eligible for coverage, which means you should also check if the company covers pre-existing conditions. 
  • Reimbursement rate: This is the percentage of your vet bill that your insurer will cover. If you have a $500 vet bill and your reimbursement rate is 80%, your insurer will pay $400, and you’ll be responsible for paying the other $100 out of pocket. 
  • Reimbursement rate: The percentage of your vet bill that the insurance company will pay after you meet your deductible. Comprehensive plans usually offer 80% to 90% reimbursement rates, while wellness plans typically offer 100%.
  • Coverage amount: Some policies cover all eligible vet bills, while others limit how much you’ll be reimbursed each year.
  • Deductible: Many pet insurance plans have an annual deductible of $100 and $500. The higher the deductible, the lower your monthly premium will be, so choose a policy with a deductible that works for you.