Best Billy Pet Insurance of 2022

Lisa Scott

If you have a Billy, 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


Coverage Up To


Reimbursement Rates


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 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 Paid Endorsement.

Short waiting periods on accidental coverage


Coverage Up To

70% - 100%

Reimbursement Rates


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


Coverage Up To

70% - 90%

Reimbursement Rates


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


Coverage Up To


Reimbursement Rates


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 Billy?

Billy dogs are a special breed that can grow to massive heights and weigh in at over 100 pounds. Because of their size, they need a lot of exercise and stimulation, or else they will become frustrated and might act out. A billy dog is generally an excellent companion, but it could be destructive if it is not given the proper care it needs.

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

Typically, a Billy has a longer lifespan than the average dog. You can expect your dog to live somewhere between 12 to 15 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

  • Congenital heart disease: This is an inherited condition that affects the dog’s heart muscle and cardiac cycle. It can lead to an enlarged heart or heart failure.
  • Heart problems: These problems are common in puppies and older dogs. These may be congenital (present from birth) or acquired conditions. Heart disease is a general term for any problem with the heart, but it is most often used to describe heart failure.
  • Cancer: It is more common in older dogs than in younger dogs, but some cancers (such as lymphoma) are more common in young Billy pets. The most common type of cancer seen in Billy pets is hemangiosarcoma, affecting the spleen, liver, and heart.
  • Dental problems: These are widespread among Billy pets because they eat dry food that is not abrasive enough to clean the teeth properly, and they lack certain enzymes in their saliva that help breaks down their food better. The result is that bacteria grow on teeth.
  • Allergies: Billy dogs can develop allergies. These allergies might be to food, or they might be environmental. The most common symptom of an allergy is itching. If you think your Billy may have an allergy, talk to your veterinarian about testing for specific allergens.
  • Lymphoma: This cancer affects the immune system and sometimes causes fatal tumors. Billy dogs are more prone than other breeds to this type of cancer. This could be due to their genes or due to inbreeding. Lymphoma is more common in purebreds than mixed breeds because it is more likely to occur when cats are related closely.

What does pet insurance cover for Billy?

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 pet falls ill or has an accident, the vet will often need to run some tests to determine what’s wrong. That can quickly add up if they’re having blood drawn very often.
  • Hereditary and genetic conditions: Some dog breeds are prone to certain conditions, like patellar luxation (where the kneecap slips out of its groove) or heart disease. These conditions can be expensive to treat, but pet insurance will cover them if they occur.
  • X-rays and surgeries:  If your pet needs to go under surgery or have an X-ray taken. Some companies exclude certain surgeries from coverage, such as spaying or neutering (unless medically necessary).
  • Medication and hospital stay: Pet insurance covers medicines for allergies, infections, arthritis, diabetes, and cancer. It also covers diagnostic testing, including X-rays and ultrasounds. Plus, if your pet needs to stay in the hospital for more than a day or two, you’ll be covered for that expense.

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 different 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 Billy?

The cost of pet insurance depends on your pet’s health and coverage needs. Some policies are cheaper than others. The average cost for a single dog is between $50 and $60 per month.

How are pet insurance premiums determined for Billy?

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

  • Age: The older your pet, the more likely it will develop health problems. Therefore, the older your pet is, the more expensive your premiums are.
  • Location: The rates are based on the average cost of veterinary care in your area. Vets in some places cost more than others. If you live in such a location, you’ll pay higher premiums.
  • Gender:  Males are prone to injuries because they’re more likely to engage in risky behavior. Therefore, male pets tend to cost more to insure than female pets.
  • Medical history: If you’re switching from another pet insurance provider or your pet has a medical history, your insurer might charge more based on your pet’s prior treatment.
  • Deductible: This is the amount that you will be expected to pay before the insurance company starts paying for your medical bills. If you choose a higher deductible, then you can expect lower premiums. If you choose a lower deductible, you can expect higher premiums.
  • Reimbursement rate: The reimbursement rate is how much you’ll be paid for covered treatments. For example, if you select a 80% reimbursement rate, the provider will pay $400 of a $500 claim, and you’ll get back $400 (80% of $500).
  • Coverage amount: Higher coverage amounts usually mean higher monthly premiums but can also mean lower out-of-pocket payments when you file a claim.

How to choose the best pet insurance plan for Billy

There are many pet insurance options available for a Billy, 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: Before you start looking at policies, think about how much you’d be willing to spend on insurance.
  • Customer feedback: Ask for references from your vets, and talk to other pet parents.
  • Conditions covered: Most insurers offer different plans with varying levels of coverage, so you can tailor your plan to fit your budget and needs. Before making a decision, make sure that the policy covers all of the conditions you’re most concerned about paying for. Most plans cover accidents and illnesses but may not cover routine veterinary services such as vaccinations or teeth cleaning.
  • Reimbursement rate: The reimbursement rate indicates how much of your claim the insurance company will pay you back. Obviously, the higher the percentage, the better. Some plans reimburse 100%, while others cover only 90% or less.
  • Coverage amount: Some policies limit the amount of money you can claim each year, while others offer unlimited coverage. Think about how much treatment your pet will need in a typical year.
  • Deductible: Higher deductibles usually mean lower premiums, but make sure that you’re comfortable paying this cost should your dog need treatment.