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Best Boston Terrier Pet Insurance of 2022

Lisa Scott

Boston Terriers are friendly, lovable, and a cherished part of the family. By considering pet insurance, you can expect your Boston Terrier to stay healthy for several years ahead. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

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.

Short waiting periods on accidental coverage

Unlimited

Coverage Up To

70% - 100%

Reimbursement Rates

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

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

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 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.