Best Bull Terrier Pet Insurance of 2022

Lisa Scott

Bull Terriers are always ready for an adventure and love spending time with their owners, but are prone to various diseases. Protect your pet and your budget from unexpected vet expenses with pet insurance. 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 Bull Terrier?

Bull Terriers are known for their strong and muscular bodies. They are ideal companions for those who love to go on long walks because the pet has a lot of energy. Bull Terriers also like to jump, so you need to make sure you have a fenced-in yard or a doggy door that allows them access to one.

Pet insurance can be important for Bull Terries because they can be prone to health problems such as skin conditions and eye problems like cataracts. More than half of all Bull Terriers develop cataracts by age five. Cataracts cause the eye lens to become cloudy, and this cloudiness can obstruct vision if left untreated. 

Bull Terriers are also prone to other eye problems like dry eyes, retinal atrophy, and cherry eye. Dry eyes can blur vision and cause pain and discomfort; retinal atrophy causes blindness; cherry eye causes the third eyelid to swell and protrude. Treatments for these conditions range from medications to surgery. This is where pet insurance can help cover these costs which otherwise would be extremely costly to pay out of pocket.

Common health conditions for a Bull Terrier

The health conditions that affect this breed include:

  • Allergies: Bull Terriers may have problems with food allergies and seasonal allergies, both of which can cause itching, chewing, biting, and hair loss.
  • Cherry eye: This condition is expected in a Bull Terrier and causes the third eyelid (located at the corner of the eye) to become enlarged. It is a relatively minor condition, but it can lead to other problems if left untreated.
  • Deafness: Deafness is also common in a Bull Terrier. It usually occurs because of a lack of pigmentation in the inner ear. If you suspect your dog may be deaf, consult your veterinarian for tests to determine whether this is the case.
  • Diabetes: Diabetes is becoming increasingly common among dogs of all breeds, including the Bull Terrier. It is caused by an insulin deficiency or an inability to process insulin properly, which results in high blood sugar levels.

What does pet insurance cover for a Bull Terrier?

The coverage provided by pet insurance for a Bull Terrier varies from policy to policy, but there are three categories: 

  • Accidents: This is the most basic level of coverage and will usually only protect against accidents and emergency treatment. 
  • Illness: This type of coverage protects against unexpected medical conditions and diseases. 
  • Routine care: These policies offer additional benefits like annual vaccinations and dental treatments.

How are pet insurance premiums determined for a Bull Terrier?

The cost of pet insurance varies depending on several factors:

  • Location: Urban areas tend to be more expensive than rural areas due to the increased likelihood of accidents, theft, and other liability risks. Rural areas tend to be less costly since there are fewer pets in these areas, and a low risk of theft or other liability risks.
  • Age: Puppies and kittens tend to be cheaper because they are generally healthier than older pets. However, as they age, they are more likely to develop chronic conditions like arthritis or skin allergies, increasing their premiums over time.
  • Deductible: This is the amount you pay before the insurance company contributes a payment toward your vet bills. The amount of this deductible can range from zero to several hundred dollars. A lower deductible means you will be responsible for less money out-of-pocket when your pet needs care, but it also means higher monthly premiums.
  • Gender:  In most cases, female pets are less expensive than male pets because females tend to have less health issues than males.

How to choose the best pet insurance plan for a Bull Terrier

Before selecting a pet insurance policy, there are a few factors to consider:

  • Check out the company’s reputation: Look for companies that have been in business for a long time and consult other pet owners about their experiences with various insurance companies. Ask your veterinarian or kennel owner if any companies they would recommend. 
  • Consider your budget: You need to consider how much money you have available to spend on pet insurance each month. For an insurance policy to be worth the investment, it needs to fit your budget. The last thing you want is to end up dropping the coverage because you can’t afford it any longer.
  • Consider pre-existing conditions: If your pet does have a pre-existing condition, you may find that many insurers will decline coverage for that specific medical problem. However, insurers can cover other illnesses and injuries your pet might encounter in the future.
  • Define your needs: Ask yourself what kind of coverage you want or need for your pet. A pet insurance plan with wellness coverage that includes routine checkups may be suitable for you if your pet requires regular checkups.