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Best Bolognese Pet Insurance of 2024

Lisa Scott

If you have a Bolognese, 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.

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

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.

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

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

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

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

Overview

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

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement

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

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.

What we like

  • Older cats and dogs are covered
  • Customize your plan to fit your pet's needs and financial situation
  • Customers from US can get covered in Canada as well
  • Unlimited live vet chat if an issue occurs with your pet
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Is pet insurance worth it for a Bolognese?

Bolognese love being with people and are known to form strong bonds with their owners. While they do not require much exercise and can do well on walks or other light activities, they can be prone to injuries due to their small size. They also tend to be very trusting around children and other animals, which can lead to them getting hurt; hence it is essential to look for pet insurance for your Bolognese.

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

Typically, a Bolognese has a longer lifespan than the average dog, and 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: Hip dysplasia is also common in larger breeds. Hip dysplasia is caused by a hip joint malformation that can lead to pain and arthritis. It’s essential to have your pet examined for signs of hip dysplasia as early as possible. If it’s detected in time, treatment through surgery and physical therapy can help your dog live a more comfortable life.
  • Luxating patellas: Another common affliction among small breeds, the patella (or kneecap) doesn’t stay where it should be in the joint. This condition can range from mild to severe, but most cases do not require surgical treatment. However, it’s best to check with your veterinarian if you notice signs of limping or pain in your pet’s knees.
  • Cardiomyopathy: The Bolognese can be affected by cardiomyopathy. This disease is characterized by an enlarged heart, which causes a decrease in function. The symptoms include rapid breathing and weakness. With careful monitoring and treatment from a vet, this condition can be managed.
  • Hypothyroidism: Hypothyroidism is an underproduction of thyroid hormones by the thyroid gland. It can cause poor appetite and weight gain, hair loss, lethargy, and reproductive problems in dogs. The symptoms of hypothyroidism are often mistaken for those of other conditions, so it’s essential to get your dog tested if you suspect she has this disease.
  • Eye problems: Bolognese are prone to several eye conditions, including cataracts, glaucoma, and corneal dystrophy (which causes cloudiness in the cornea). You should have your dog’s eyes checked regularly by an ophthalmologist to ensure they remain healthy.

What does pet insurance cover for a Bolognese?

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: Pet insurance often covers this if your dog needs lab work to diagnose an illness or injury. Pet insurance generally covers these testing procedures, although some specific tests may be excluded.
  • Hereditary and genetic conditions: Most pet insurance companies cover hereditary and genetic problems that dogs may be born with or develop. For example, Bolognese has issues with their eyesight later in life; this is something you’ll want to have covered so you’re prepared when the time comes.
  • X-rays and surgeries: Pet insurance almost always covers X-rays and surgeries, and policies vary widely on what they cover when it comes to surgery. Some plans will reimburse you for any type of surgery, routine or otherwise, while others will only cover emergency surgeries. If you’re looking for surgical coverage for your Bolognese, look for a plan that offers at least $1,500 in annual coverage; this should be enough cushion to pay for most standard procedures without going over budget.
  • Medication and hospital stay: Most medications prescribed by veterinarians will be covered under your policy. Similarly, hospitalization is usually part of the standard coverage offered by a pet insurance plan.

Pet insurance covers a range of treatments, but not 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 an individual wellness plan or see if the provider has any add-ons for wellness visits. Most providers 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 Bolognese?

Paying for veterinary bills out-of-pocket can be expensive; The average cost of pet insurance for a Bolognese is $47.08 per month or $564.96 per year.

How are pet insurance premiums determined for a Bolognese?

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

  • Age: Your pet’s age will affect their premiums because older pets need more medical attention than younger pets; hence their premiums will be high.
  • Location: The average cost of living is considered because it affects your area’s veterinary care price, ultimately impacting your reimbursements if you need to file a claim. If you live in an area with high vet costs, your premiums may also be relatively higher.
  • Gender: Male Bolognese tends to have higher premiums due partly to their tendency toward injuries as they are more playful and tend to get involved in fights with other male pets. 
  • Medical history: If your pet has had a chronic illness or other problems in the past, it will raise your premium because the insurer will have to pay out more claims.
  • Deductible: How much you have to pay before the insurer covers the remaining cost of care. A higher deductible means a lower premium but a higher payout from you at the time of service.
  • Reimbursement rate: The percentage of the vet bill that the insurer will reimburse you for after paying your deductible. A higher reimbursement rate means a higher premium and less money out of pocket when your pet needs care. For example, 80% reimbursement means that you pay 20% of all covered costs.
  • Coverage amount: The insurer will pay the dollar amount toward your pet’s care each year. Most insurers have limits on how much they’ll pay out in a year, and if you need more coverage than that for some reason, it may cost more per month.

How to choose the best pet insurance plan for a Bolognese

Many pet insurance options are available for a Bolognese, 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: If you’re on a tight budget and don’t have a lot of savings built up, you can get basic coverage for about $20 per month. But if you have more room in your budget, around $70 per month will get you full coverage plus routine care benefits and other add-ons.
  • Customer feedback: First, consider getting references from other pet owners so you can make an informed decision. Check out the customer reviews to find out what other Bolognese owners have said about their experience with different insurance companies. 
  • Conditions covered: Pet insurance should cover accidents and injuries, such as if your dog breaks a leg or gets bitten by another animal and illnesses like cancer or diabetes. Some plans also cover routine care such as checkups, vaccinations, flea prevention, teeth cleanings, and spay/neuter surgeries. If you’re planning on getting your Bolognese fixed soon, this may be something to consider. Be sure to read the fine print, though: many policies don’t consider pre-existing conditions like allergies and arthritis eligible for coverage.
  • Reimbursement rate: Look at each company’s reimbursement rate and choose the one that offers the highest percentage. This will ensure you receive the most significant amount of money back after paying your deductible, and generally, it won’t cost much more than a lower percentage plan. A high reimbursement rate can save you hundreds of dollars per year and thousands in case of an unexpected medical expense.
  • Coverage amount: This is the maximum amount the insurer will pay out during your pet’s lifetime for any combination of injury or illness claims, so it’s essential to recognize that expensive conditions like cancer may require more than one claim before treatment can be completed.
  • Deductible: The deductible is the amount of money you’ll have to pay for your dog’s vet bills before your insurance kicks in. If you don’t anticipate having many vet bills, you may want to choose a higher deductible and save on your monthly premiums. 

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