If you have a Cavalier King Charles Spaniel, the chances are that you’ve been won over by their affectionate and gentle nature. Naturally athletic, keep your Spaniel happy and healthy with affordable quality pet insurance.
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
Is Cavalier King Charles Spaniel pet insurance worth it?
The Cavalier King Charles Spaniel is an upbeat and active companion. Depending on its lifestyle, keeping your dog safe and in good health may require visits to the vet in cases of accidents or illness.
As a pure breed, they can be vulnerable to genetic health issues that come up at different stages of their life. The cost of serious health issues may require several visits to the vet and quickly become a financial burden.
Pet insurance can give you peace of mind and take the worry out of choosing between your dog’s health and the financial cost of taking care of them.
Common health conditions for a Cavalier King Charles Spaniel
A healthy Cavalier King Charles Spaniel can have an average lifespan of 9-14 years. However, this purebred dog is susceptible to genetic health conditions that can result in illness and injury down the line. Some common health conditions they can experience are:
Mitral Valve Disease (MVD): Also known as Endocardiosis, this disease affects certain breeds of dogs including the Cavalier King Charles Spaniel who are 20 times more likely to suffer from the disease than other breeds. MVD occurs due to a deterioration in one of the heart’s valves which result in lower levels of blood flow around the body. Some dogs have a slow deterioration in health over time whereas, for other dogs, deterioration can be very quick and eventually lead to heart failure.
Conjunctivitis: Commonly referred to as “pink eye”, some of the symptoms include redness, swelling, squinting, and discharge from the eyes. Other common eye conditions include cherry eye and dry eye.
Gastritis: This is caused by inflammation of the stomach lining. Severe and chronic cases may require medication and fluid therapy.
What does pet insurance cover for a Cavalier King Charles Spaniel?
Pet insurance covers a range of diagnostics and treatments for your Cavalier King Charles Spaniel. Based on your plan, you are eligible for the following coverage:
Emergency care: Accidents happen and your dog may require an emergency visit to the vet. Coverage will take care of the costs related to exam fees, diagnostics, and treatment. If your dog is hospitalized, this can be covered too.
X-rays, blood tests, and scans: Injuries could result in your dog requiring X-rays and examinations to determine the best route of treatment. Pet insurance will help cover the costs.
Alternative treatments: Many insurance plans include alternative therapies. Some of these can include acupuncture, hydrotherapy, homeopathy, naturopathy, and chiropractic treatments.
Breed-specific conditions: Genetic conditions common to the Cavalier King Charles Spaniel and conditions your dog is born with even if symptoms take a few years to show.
Pet insurance covers a range of treatments but it does come with certain exclusions. Pre-existing conditions and preventative care are likely to be excluded. In addition, you may need to purchase specific add-ons for dental care coverage and routine check-ups.
How are insurance premiums determined for a Cavalier King Charles Spaniel?
Many different factors determine the cost of your pet insurance coverage. Some of these factors include:
Location: Costs of veterinary care can differ according to the zip code and this will be reflected in your premium.
Policy deductibles: High deductibles will be reflected in lower premiums. The level of deductible can be adjusted on your plan so that the premium becomes more affordable. Keep in mind that higher deductibles will lead to larger out-of-pocket expenses should a healthcare problem arise.
Age: Older dogs can be susceptible to more health issues and ongoing treatments. This will be reflected in your premium.
Breed: Certain breeds can be more expensive to insure as they are likely to have more hereditary problems.
Medical history: Cavalier King Charles Spaniel’s that have a history of medical conditions and health problems are likely to require more medical attention. This can result in a higher overall premium.
Be sure to check the terms and conditions of your plan before purchase. Some insurers may provide accident-only policies where your dog will not be covered for illness. Other conditions such as cancer may not be included in some policies.
How to choose the best Cavalier King Charles Spaniel pet insurance?
There are many options for pet insurance for Cavalier King Charles Spaniel owners and it can be tricky to find the best one suitable for your budget and your dog’s health needs. Keep in mind that choosing the wrong provider can have financial consequences down the road. Here are some key factors to look for when shopping for pet insurance:
Determine your coverage needs: The coverage amount can be limited to a few thousand dollars up to unlimited coverage. This will be reflected in your premium. It’s important to balance your coverage needs with your budget and avoid taking out coverage that is in excess or too low for your dog’s needs.
Read the fine print: Pet insurance providers will have exclusions, and it’s important to read the terms and conditions so that you understand exactly what is included and excluded to avoid any surprises.
Consider the health of your pet: If your dog has unique medical conditions, you may need to shop around to find a plan that provides adequate coverage for your dog’s specific health needs.
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