Is pet insurance worth it for a Boston Terrier?
As pet owners, we want to ensure our pets are healthy and happy throughout their lives. Whether that means buying them high-quality food or a ton of toys, we are willing to do anything to make sure our dogs are living their best life.
Like many other breeds, Boston Terriers are susceptible to certain kinds of medical conditions that can affect their long-term lifestyle. To treat these illnesses and other issues, they will likely need special treatments or procedures. Medical expenses for our pets can add up fast, making it difficult to afford all the necessary care.
By investing in a good pet insurance plan, your Boston Terrier’s care can become more affordable. Pet insurance can also provide security for unforeseen circumstances and be useful in an emergency situation. Your Boston Terrier will receive treatment for various medical needs, without you having to worry about the cost.
Common health conditions for a Boston Terrier
Boston Terriers are susceptible to certain health issues that may require veterinary care and treatment. Some of the more common health issues they may experience include:
- Patellar luxation: some Boston Terriers experience patellar luxation, which occurs when the kneecap slips. This causes an uncomfortable walking pattern and inflammation that often needs to be fixed with surgery.
- Cataracts: Boston Terriers are more susceptible than other breeds to developing cataracts. Over time, cataracts can cause complete loss of sight in dogs.
- Epilepsy: this causes repeated, sometimes fatal seizures in dogs. Veternarians often prescribe medication to reduce the frequency and severity of seizures in dogs with epilepsy.
What does pet insurance cover for a Boston Terrier?
Depending on the pet insurance plan you have, your Boston Terrier will be covered for a number of procedures and treatments. Most providers offer plans that cover treatments related to injury-only, illness-only, or a combination of illness and injury treatment. Some of the most common things covered by pet insurance plans include:
- Blood and urine tests: if your Boston Terrier falls sick with an unknown illness, it is likely your veternarian will call for a few diagnostic tests to be done. The cost of these tests will be covered under your pet insurance plan.
- Torn ligaments and broken bones: some of the most common injuries dogs face include torn ligaments and broken bones. Treatments for these injuries will often be covered under a pet insurance plan.
- Hospitalization: depending on how severe an illness or injury is, your pet may be required to stay at the animal hospital for a period of time. The costs associated with their stay will be covered by a pet insurance plan.
Pet insurance covers a range of treatments, but often does not cover wellness or preventive care. Instead, you will either need to add this type of coverage onto your existing pet insurance plan or take advantage of a separate wellness plan altogether.
How are pet insurance premiums determined for a Boston Terrier?
Pet insurance plans are variable, and based on a number of factors. Some of the most common factors that will affect your insurance premium include:
- Gender: male dogs are more likely to have a higher insurance premium compared to female dogs. This is due to the fact that male dogs are more likely to develop serious illnesses.
- Plan details: the more comprehensive your plan is, the more expensive it will be monthly. A plan that covers both injury and illness-related treatments will cost more than a plan that covers either injury or illness-related procedures.
- Medical history: your dog’s medical history will significantly impact the overall cost of your insurance plan. Dogs that have a history of more serious medical issues will have a more expensive insurance plan.
Additionally, your dog’s age will impact the monthly premium for your insurance coverage. Some providers have an age limit on their insurance premiums, so be sure to confirm your dog fits within the age range before moving forward with a plan.
How to choose the best pet insurance plan for a Boston Terrier
With tons of insurance plans out there, it can be difficult to choose the best one for your Boston Terrier. Here are some things to keep in mind as you are deciding on the right plan:
- Your pet’s needs: each insurance plan differs in what they have to offer, including what is covered under a specific plan and the costs associated. Be sure that your chosen insurance plan covers the treatments you anticipate your dog may require.
- Compare and contrast plans: compare the details of each plan such as the cost, deductible options, overall coverage capacity and more. Try to pick out the best deal for your unique needs.
- Customer reviews: some customers will leave a review regarding their experience with an insurance provider. Take these customer reviews into consideration to gain an understanding of how your potential insurance provider treats current policyholders.