Best Blue Heeler Pet Insurance of 2022

Lisa Scott

Keeping your pet healthy is a significant part of helping them live a long, happy life. By getting pet insurance coverage for your Blue Heeler, you can prioritize your dog’s health and not have to worry about financial risk. 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 a Blue Heeler?

Blue Heelers are a great family dog, and are incredibly intelligent and attentive. Taking care of their medical needs is one of the best ways to secure their future for a long and healthy life.

Like many other breeds, Blue Heelers are prone to getting a few serious medical conditions, which can require medical treatment. Often, these more involved medical conditions require frequent trips to the Veterinarian, medication, and sometimes even surgery. These treatments can add up quickly, making it difficult to pay for everything in serious situations.

To help alleviate the stress associated with veterinary bills, you will want to take advantage of pet insurance coverage for your Blue Heeler. Pet insurance helps to alleviate some of the costs associated with treatments and procedures so you always know you can afford your dog’s medical bills.

Common health conditions for a Blue Heeler

Blue Heelers are likely to develop a few specific medical conditions that can lead to more serious health problems later in life. Some of the most common issues Blue Heelers experience include:

  • Progressive retinal atrophy: this eye condition occurs in Blue Heelers quite frequently. It causes the deterioration of the retinal and eventually leads to cataracts. 
  • Hip dysplasia: this occurs when the hip joints do not function correctly, causing wear on the joints. It can also make it difficult for dogs to walk and move around. In serious cases, surgery is required to fix this condition. 
  • Von Willebrand’s disease: this blood disorder prevents blood cells from clotting properly. This condition causes the absence of the protein needed to clot, and can lead to internal bleeding or severe external bleeding if not controlled.

What does pet insurance cover for a Blue Heeler?

Blue Heeler pet insurance covers a range of health issues depending on the type of plan you choose. Typically, insurance providers will offer a choice of injury-only, illness-only or a combination of illness and injury treatments. Some of the most common things covered under most pet insurance plans include:

  • X-rays and diagnostics: if your Blue Heeler needs an x-ray or other diagnostic tests, you can expect these procedures to be covered by your insurance policy.
  • Congenital conditions: Blue Heelers that have congenital conditions may need frequent treatment from the veterinarian. Most pet insurance plans will cover the costs associated with these treatments.
  • Torn ligaments and broken bones: Blue Heelers are susceptible to a number of injuries while playing and running around. Treatments for these injuries will be covered under many insurance plans.

Though pet insurance plans cover a range of treatments for Blue Heelers, they do not cover everything. Most plans will not cover procedures related to pre-existing conditions; instead, those will need to be covered out of pocket. To ensure your Blue Heeler receives the care it needs, consider purchasing coverage early on in your pet’s life.

How are pet insurance premiums determined for a Blue Heeler?

Insurance premiums are based on a number of factors. Some of the most common details taken into consideration for insurance monthly premiums include:

  • Gender: usually, male blue heelers are more expensive to cover than female ones. This is because male dogs are largely more likely to develop serious health issues.
  • Plan details: depending on the specific details of the plan you choose, your insurance premium will vary. Plans that have more comprehensive coverage and cover treatments for both injuries and illnesses will have a higher premium than just injury-only or illness-only plans.
  • Location: where you are located will factor into your overall insurance premium. If you are located in an area that has less available veterinary care, you can expect to pay more overall for coverage.

Additionally, monthly insurance premiums will also be affected by your yearly deductible amount, coverage capacity, and reimbursement percentage.

How to choose the best pet insurance plan for a Blue Heeler

There are plenty of options for insurance coverage for your Blue Heeler. To help you choose the right plan for your dog, keep the following in mind:

  • Set a budget: depending on the plan and details you choose, setting a budget can help you narrow down insurance plans and a premium that you can comfortably afford.
  • Compare and contrast plans: each plan will offer unique details in what they cover, options for deductibles and coverage amounts, and how much you’re paying on a monthly basis. Be sure to compare and contrast each plan to determine which one makes the most sense for your dog.
  • Medical history: some plans may not cover all the treatments your dog needs depending on their unique medical history. Be sure that your dog’s needs will be covered as much as possible before moving forward with a pet insurance plan.