If you have a Berger Du Languedoc, 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
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
70% - 100%
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
70% - 90%
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
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 Du Languedoc?
A Berger Du Languedoc has high energy levels and needs daily exercise. A long jog or vigorous game of Frisbee will help keep them fit, but this can expose them to injuries.
Medical treatment for your Berger Du Languedoc can become very expensive, especially if they encounter a more severe issue that requires invasive treatment. Medical bills for treating a sick Berger Du Languedoc 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 Du Languedoc
Typically, a Berger Du Languedoc has a longer lifespan than the average dog. You can expect your dog to live somewhere between 12 to 14 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:
- Hip dysplasia: This can be a painful condition that causes lameness in one or both hind legs. It usually occurs when the hip joint is not developed correctly. Hip dysplasia is a genetic condition that can later cause arthritis or other problems. Dogs who are overweight are at a greater risk for developing hip dysplasia.
- Elbow dysplasia: This is a condition that affects dogs’ elbow joints with large growths on their elbows. These growths may cause pain or lameness, leading to arthritis and hip dysplasia. It is essential to manage your dog’s weight to prevent this condition from occurring or worsening.
- Epilepsy: Epilepsy can be genetic or caused by an environmental factor. Epilepsy causes seizures in your dog. If your dog begins having seizures, notify your veterinarian and refrain from breeding that dog.
- Allergies: A Berger Du Languedoc can have different allergies (usually flea and food allergies).
- Dental problems: Periodontal disease is the most common dental problem for a Berger Du Languedoc. This occurs when plaque on the teeth hardens into tartar and causes tooth decay and gum disease. Left untreated, infected teeth may need to be extracted, and gums may become inflamed which can’t support teeth.
- Cancer: Cancer is unfortunately prevalent among Berger Du Languedoc.
What does pet insurance cover for a Berger Du Languedoc?
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 are done to determine if there’s a problem with your pet and what it might be.
- Hereditary and genetic conditions: Hereditary and genetic disorders are passed down from a parent to offspring. Examples of hereditary conditions include hip dysplasia in dogs, kidney disease in cats, and congenital heart defects in dogs. Some plans will cover hereditary and genetic conditions.
- X-rays and surgeries: These conditions are usually covered by most pet insurance plans unless they’re related to a hereditary or genetic disease.
- Medication and hospital stay: These are usually covered by most pet insurance plans unless they’re related to a hereditary or genetic condition.
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 Du Languedoc?
The average cost of pet insurance for a Berger Du Languedoc is $47.84 to $55 per month. This can vary based on location, the pet’s age, and the type of coverage you choose.
How are pet insurance premiums determined for a Berger Du Languedoc?
Many factors will determine the monthly premium rate for your Berger Du Languedoc (included but not limited to):
- Age: The older your dog, the more expensive their policy is. This is because younger pets are generally healthier and therefore less likely to file a claim that needs to be paid out.
- Gender: In general, male dogs are more expensive to insure than female dogs since male dogs are more prone to injuries and accidents as they are more aggressive.
- Medical history: If your pet has a pre-existing condition (e.g., diabetes), it could increase the cost of your insurance premiums. However, most companies don’t offer coverage if the animal is already experiencing symptoms of an illness or injury that you plan to treat with pet insurance.
- Deductible: The deductible is the amount you pay before insurance kicks in. Higher deductibles mean lower premiums and higher out-of-pocket costs when you need treatment for your pet.
- Location: Where you live will affect your insurance costs due to regional vet costs, cost of living, and other geographical factors. If vet costs are high, your premiums will more likely be higher.
- Reimbursement rate: The reimbursement rate is the percentage of the vet bill that your pet insurance provider will cover. You can choose a 70%, 80%, or 90% reimbursement rate (in some cases, there is 100%). The higher the reimbursement rate, the higher your monthly premium.
- Coverage amount: The more you’re willing to spend on vet bills, the higher your premiums. Basic coverage usually starts at $5,000, but you can increase this to cover almost any situation.
How to choose the best pet insurance plan for a Berger Du Languedoc
Many pet insurance options are available for a Berger Du Languedoc, 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 spend on premiums? You’ll have to consider your monthly budget.
- 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: What illnesses or injuries will your pet be protected against? Most policies typically cover accidents, such as cuts, burns, broken bones, and diseases like diabetes and cancer. Some insurers also offer wellness coverage for routine veterinary visits, including teeth cleaning and vaccinations. (However, not all pet insurance companies cover pre-existing conditions.)
- Reimbursement rate: This is the percentage of the cost covered by your provider, typically 80%, 90%, or 100%. If you’re concerned that you might have to pay out of pocket during an emergency, choosing a higher coverage might be a good option to consider.
- Coverage amount: You decide how much you’ll be reimbursed per incident or annually. Some insurers let you choose from various options, while others have a single policy option.
- Deductible: You’re responsible for this amount before your coverage kicks in. The higher the deductible, the lower your premium will be.