Best Bichon Frise Pet Insurance of 2022

Lisa Scott

A Bichon Frise is known to be a lovable dog breed that also makes a great pal. To ensure your furry companion is happy and healthy, secure the right pet insurance plan so your pet receives the care it needs. 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 Bichon Frise?

A Bichon Frise is a quirky, fun-loving pet that enjoys spending time with its family. They need lots of love and attention to feel satisfied and will look for any excuse to spend more time around people. While a Bichon Frise is a healthier breed overall, it is also susceptible to certain health conditions based on its genetics.

Treating health conditions common for a Bichon Frise often requires one or more visits to the vet, along with other procedures and medications. The costs associated with these treatments and visits can add up quickly. In more serious situations, the cost of medical treatment for your Bichon Frise may be too much to afford.

By purchasing pet insurance, you can feel a sense of security that your dog will receive care regardless of the situation. For example, if you need to take them to the vet more frequently because of a recent injury, or you have to ensure they receive treatment for an ongoing illness, pet insurance will help you afford the costs associated. Therefore, it’s a worthwhile investment to protect your dog’s health.

Common health conditions for a Bichon Frise

A Bichon Frise is susceptible to a few types of medical conditions. Some of the most common health issues a Bichon Frise may experience include:

  • Obesity: a Bichon Frise is more likely than some other dog breeds to develop obesity. This can lead to issues with mobility, and in serious cases can affect the heart. 
  • Heart disease: a Bichon Frise is susceptible to developing heart disease as it gets older. This can lead to a heart attack if left untreated. Medication and routine visits to the vet often help to manage heart disease.
  • Cataracts: these typically develop when a Bichon Frise starts aging, and cataracts are noted as a common issue for the breed. It is a painful eye issue that can lead to complete blindness in one or both of their eyes. 

Bichon Frises are also susceptible to diabetes based on their genes. Frequent visits to the vet will help to mitigate risk factors for diabetes, and help to treat it should your dog develop it.

What does pet insurance insurance cover for a Bichon Frise?

Depending on your pet insurance provider and chosen plan, your dog may be eligible for a range of treatment options. Most pet insurance providers offer injury-only, illness-only, and combination illness and injury pet insurance plans. Some of the most common things covered under pet insurance plans include:

  • Hospitalization and aftercare: should your Bichon Frise be hospitalized, you can expect a number of treatments while they remain in the hospital. Pet insurance helps to alleviate costs during their hospital stay and after.
  • Congenital diseases: if your Bichon Frise has a congenital disease, you can expect the treatments and procedures required to care for them will be covered under your pet insurance policy.
  • Medication: medication is often prescribed following an injury or illness to help your Bichon Frise recover. You can expect the cost of these medications will be covered under your pet insurance plan.

Pet insurance plans cover a range of treatment options for both injuries and illnesses your Bichon Frise may experience. However, there are some things that are unlikely to be covered by your plan. Routine care and wellness visits are often not covered under most pet insurance plans. However, some providers will offer wellness care options you can add on to your existing insurance plan, or a separate routine care insurance plan altogether.

How are pet insurance premiums determined for a Bichon Frise?

Insurance premiums depend on a number of factors related to your insurance provider, chosen plan, and your Bichon Frise. Some of the most common factors that will help to determine your monthly insurance premium include:

  • Age: your Bichon Frise’s age will factor into the overall monthly insurance premium. Typically, younger dogs are likely to have a lower overall insurance premium, as they are less likely to develop medical issues.
  • Gender: often, male dogs are more expensive to cover than female dogs. Since male dogs are more susceptible to developing serious health conditions as opposed to female dogs, their insurance premium is typically higher.
  • Plan details: your insurance plan details, including the yearly deductible, reimbursement amount, and total coverage cap will determine your insurance premium.

Additionally, the type of coverage plan you choose will factor into your premium cost. The more procedures and treatments that are covered under your insurance plan, the higher your monthly premium will be.

How to choose the best pet insurance plan for a Bichon Frise

There are plenty of insurance plans to choose from to cover your Bichon Frise. To help you pick the best plan for your dog, consider these factors:

  • Your Bichon Frise’s medical history: depending on your dog’s medical history, your pet may require certain types of medical treatments throughout its life. Before purchasing an insurance plan, confirm the treatments required will be covered by the insurance agency.
  • Budget: you can expect to pay a fixed monthly premium, along with a yearly deductible for your pet’s insurance. Determine a budget you are comfortable with as you shop around for insurance plans.
  • Customer reviews: Some customers that have insurance coverage will leave reviews about their experience. Read these reviews to understand how the provider handles customer service inquiries and processes insurance claims so you know what to expect.