If you have a Bullmastiff, 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.
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
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.
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
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
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
Bullmastiffs are prone to injuries due to their large size, and they can be easily injured if they accidentally fall or jump off a high surface. You can’t predict when these accidents will happen, so it’s best to be prepared.
Medical treatment for your Bullmastiff can become very expensive, especially if they encounter a more severe issue that requires invasive treatment. Medical bills for treating a sick Bullmastiff 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 Bullmastiff
Typically, a Bullmastiff has a longer lifespan than the average dog, and you can expect your dog to live somewhere between 8 to 10 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:
Entropion: Entropion is a condition where the eyelid turns inwards, causing eyelashes to rub against the cornea. This can cause irritation and inflammation of the eye. The lower lid can be affected more than the upper lid. Torn Anterior Cruciate Ligament: The ACL is a knee ligament that helps stabilize during movement. A torn ACL can cause instability, lameness, and excessive joint wear.
Hemangiosarcoma: Hemangiosarcoma is a type of cancer that occurs in blood vessels throughout the body. This type of cancer is usually found in older dogs but can occur at any age if they have genetic predispositions. Hemangiosarcoma can be treated with chemotherapy or surgery but never cured once detected because it will always come back if not eradicated by surgery or chemotherapy.
Hip Dysplasia: Hip dysplasia (HD) is a genetic disorder of the hip joints in dogs caused by abnormal development of the hip socket. It can lead to crippling lameness and arthritis. HD affects all dog breeds but is most common in large breeds, especially those with short legs. Hip dysplasia is the most common cause of rear leg lameness in dogs.
Hypothyroidism: Hypothyroidism occurs when your dog has an underactive thyroid gland that does not produce enough thyroid hormone for their body’s needs. The result is that the metabolism slows down and can lead to hair loss on the dog’s coat and weight gain, among other symptoms.
Allergies: Bullmastiffs are prone to skin allergies that cause itching and scratching, and their skin is also susceptible to insect bites and other irritants. If your Bullmastiff has an allergy, you may notice that he’s itchy all over his body. The hair on his back will stand up, called “hackles,” and he’ll scratch at himself constantly. He may also lick or chew at his feet or legs.
What does pet insurance cover for a Bullmastiff?
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: Most pet insurance plans offer diagnostic tests and blood work coverage, including urinalysis, fecal exams, and complete blood counts (CBCs). These tests can help detect diseases early on when treatment is more effective.
Hereditary and genetic conditions: Pet insurance can cover the cost of DNA testing for hereditary conditions such as hip dysplasia, cataracts, and heart disease. Some policies even cover screening tests for cancer, diabetes, and kidney failure.
X-rays and surgeries: X-rays are an essential diagnostic tool for veterinarians because they can show bone fractures, tumors, or other problems that may require surgery. Many pet insurance policies cover X-rays, other diagnostic procedures, and minor surgeries like spaying or neutering your pet.
Medication and hospital stay: If your dog needs medications or visits overnight to a veterinary hospital due to illness or injury, most pet insurance policies will reimburse you up to 80 percent of the cost incurred by your vet office or hospital.
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-on for wellness visits, and 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 Bullmastiff?
According to our research, the average Bullmastiff insurance premium is $27 per month. That’s based on an average annual health and wellness plan for a normal Bullmastiff with no pre-existing conditions.
How are pet insurance premiums determined for a Bullmastiff?
Many factors will determine the monthly premium rate for your Bullmastiff (included but not limited to):
Age: Pet insurance premiums increase as dogs get older because they are more likely to develop illnesses or injuries that require medical treatment.
Location: Veterinary costs vary by location, so if you live in an area where veterinary care is expensive, pet insurance premiums will be higher than someone living where veterinary care is relatively cheap.
Gender: Males are more muscular than females, so they get involved in fights more often, which results in injuries that require surgery or medication, increasing their premium. Females tend to be timider and shy away from fights which means they get injured less frequently than males.
Medical history: A pet with a clean medical history will have lower premiums than one who has undergone treatment in the past or has been diagnosed with certain conditions.
Deductible: The higher your deductible is, the lower your premium will be because it’s less likely that your pet will need treatment during the year you have this coverage option selected. However, if you need treatment during this time frame, you’ll have to pay for it out of pocket until reaching your deductible amount before reimbursement kicks in.
Reimbursement rate: This is the percentage of eligible expenses that will be paid by your insurer each month after your deductible has been met. Generally speaking, the higher the reimbursement rate, the lower your monthly premiums will be
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How to choose the best pet insurance plan for a Bullmastiff
Many pet insurance options are available for a Bullmastiff, 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: You should start by considering your budget. How much are you willing to spend on a pet insurance plan? How much is your dog worth? This will help you determine how much you can afford to pay for the monthly premium and any other fees that come with your policy.
Customer feedback: Before choosing a specific plan, ask for references from other clients who have used that company’s services. Ask about their experience with customer service and whether the company paid their claims quickly and accurately.
Conditions covered: Make sure that the plan covers all conditions, including pre-existing conditions that are important to you. For example, if your dog has hip dysplasia or cancer, make sure that these conditions are covered in your plan so that you will not have to pay out-of-pocket if they get sick. This is especially important if you have a purebred dog like a Bullmastiff because they tend to be more susceptible to certain diseases than mixed breeds or mutts.
Reimbursement rate: The reimbursement rate refers to how much money the company will give back after filing a claim for treatment costs or veterinary bills. This number must be high enough to cover most of the costs associated with treating your pet but low enough so that it doesn’t break the bank either.
Coverage amount: The coverage amount is the maximum amount of money your insurance company will pay for your pet’s eligible medical care. For example, if your policy has a $10,000 annual limit and an injury costs $12,000 to treat, the insurance company will pay $2,000. You will be responsible for paying the remaining $10,000 yourself.
Deductible: A deductible is the amount of money you must pay toward each claim before your insurance company begins paying its share of reimbursement. For example, if your policy has a $250 deductible and an injury costs $500 to treat, you would pay $250 toward treatment upfront and then submit a claim to receive reimbursement from your insurer for the remaining $250 balance.
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