Best Black Russian Terrier Pet Insurance of 2022

Lisa Scott

If you have a Black Russian Terrier, 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.

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 Black Russian Terrier?

A Black Russian Terrier is a powerful, well-built dog initially bred by the Red Army in Russia. They are generally healthy, but there are several health issues to watch out for with these large dogs. In addition, their ears and teeth should be checked regularly to see if it requires medical attention.

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

Typically, a Black Russian Terrier has an average lifespan. You can expect your dog to live somewhere between 10 – 11 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

  • Hip and elbow dysplasia: Dysplasia is a malformation of the hip or elbow joints. It is often inherited but can also be caused by environmental factors such as exercise or nutrition while growing up. Dogs with dysplasia may exhibit lameness in the legs, pain, stiffness, and discomfort when rising after laying down.
  • Cataracts: A cataract is an opacity in the eye lens resulting in partial or complete blindness. In some cases, surgery can remove cataracts, allowing a dog to see again.
  • Progressive retinal atrophy (PRA): PRA affects the rod cells in the retina, causing dogs to lose their night vision and eventually their sight in daylight.
  • Allergies: These are relatively common in dogs, and the Black Russian Terrier is no exception. There are also two main types of allergies, food allergies, and environmental allergies. Food allergies can be treated by changing your dog’s diet, while ecological allergies may require you to bathe your dog more often or use a medicated shampoo.
  • Cancer: Cancer is an issue for many dogs. The diagnosis and treatment of cancer in dogs are similar to cancer in humans – surgery, radiation therapy, chemotherapy, or a combination of these treatments. You should monitor your dog closely for any signs of health problems if you feel it might be at risk for cancer.

What does pet insurance cover for a Black Russian Terrier?

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: Most policies will cover diagnostic and blood tests to help diagnose your pet’s illness or injury. If your pet needs to visit the vet, it will likely require diagnostic tests such as X-rays or a CT scan.
  • Hereditary and genetic conditions:  These are conditions passed down biologically at birth. Examples of hereditary conditions include hip dysplasia, cataracts, and heart disease. It’s important to know that some policies exclude hereditary or congenital diseases from their plans. If you’re concerned about this, you can upgrade your plan for an additional cost.
  • X-rays and surgeries: Whether it’s a broken leg or a lump in the stomach, most policies will cover the cost of x-rays and surgeries. Some plans may exclude pre-existing conditions from coverage, so read over your policy before purchasing it.
  • Medication and hospital stay: Most pet insurance companies offer reimbursement for medication prescribed by a veterinarian and hospital stays if your pet is admitted overnight to a clinic.

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 Black Russian Terrier?

You should never buy a policy based on price alone as it’s important to check the features, benefits, inclusions, and exclusions. Pet insurance policies for a Black Russian Terrier can cost anywhere from $17 to $63 per month, depending on the age of your dog and the level of coverage you choose. 

How are pet insurance premiums determined for a Black Russian Terrier?

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

  • Age: Older pets are more likely to get sick and are more expensive to insure. The monthly premium usually increases each year as your pet ages because older pets have more health issues than younger pets do.
  • Location: If the cost of living and the cost of veterinary services are high in your region, then expect to pay higher premiums.
  • Gender: Generally, males are more expensive to insure than females because they are more likely to get involved in accidents as they are more aggressive.
  • Medical history: Pets with chronic health conditions or a history of illness may have higher premiums.
  • Deductible: A deductible is a cost you pay before an insurance company pays out any benefits. Higher deductibles can mean lower monthly premiums.
  • Reimbursement rate: A higher reimbursement rate can mean higher monthly premiums but lower overall costs if your pet has a lot of veterinary bills over time.
  • Coverage amount: Most pet insurance companies offer various levels of coverage, so you can customize your plan to fit your budget and needs. Comprehensive coverage tends to cost higher.

How to choose the best pet insurance plan for Black Russian Terrier

There are many pet insurance options available for a Black Russian Terrier, 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: The cost of your dog’s monthly premiums will depend on factors like their age and where you live. Generally, you can expect to spend between $17 and $63 per month for coverage.
  • Customer feedback: Consider seeking references from your veterinarians. Look for what real customers have to say about an insurer. How easy is it to make a claim? Does the insurer payout in full?
  • Conditions covered: Some conditions may be excluded from coverage if they are pre-existing. Check the fine print to know exactly what is covered and what is not.
  • Reimbursement rate: Some insurance plans don’t cover the total cost of care. They only reimburse you at a certain percentage of the total cost. Evaluate if you think your pet will make more frequent visits to the vet.
  • Coverage amount: The right plan should give you enough coverage for your pet’s needs, but not so much that it’s wasteful or too expensive.
  • Deductible: The deductible is the amount you’ll pay before your insurance begins covering some of your veterinary bills. Usually, plans with lower deductibles cost more month-to-month but can save you money over time.