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Best Cesky Terrier Pet Insurance of 2024

Lisa Scott

If you have a Cesky Terrier, 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.

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

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.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

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

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

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

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement

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

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

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
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Is pet insurance worth it for a Cesky Terrier?

 A Cesky Terrier is an intelligent, friendly, and social dog that enjoys being around family. Since this breed is rarely spoiled with too much attention, it is essential to exercise the dog frequently and provide plenty of stimulation.

Medical treatment for your Cesky Terrier can become very expensive, especially if they encounter a more severe issue that requires invasive treatment. Medical bills for treating a sick Cesky Terrier 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 Cesky Terrier

Typically, a Cesky Terrier has a longer lifespan than the average dog, and you can expect your dog to live somewhere between 12 to 15  years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

  • Hip dysplasia: Hip dysplasia is a genetic condition where the hips do not form properly in the developing puppy. This can lead to lameness, pain, and arthritis as the dog ages. Dogs with hip dysplasia should not be bred.
  • Progressive retinal atrophy (PRA): Progressive retinal atrophy causes degeneration of the retina cells, leading to blindness. Most dogs will show signs at around two years old. PRA is genetic, and it is recommended that dogs with PRA not be bred.
  • Luxating patella: Also known as “slipping stifles,” this is a common problem in small dogs. The patella, or kneecap, dislocates easily from its groove at the end of the femur.
  • Epilepsy: A neurological disorder in which the dog has abnormal electrical impulses in the brain that cause seizures. This can be controlled by medication.
  • Portosystemic shunt (PSS): An inherited condition in which an abnormal blood vessel carries blood away from the liver, preventing it from being detoxified. This can lead to stunted growth, uncoordinated movements, seizures, and behavior problems. The condition can be detected through a special diet and treated with surgery or medications to control symptoms.  

What does pet insurance cover for a Cesky Terrier?

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: A vet often needs to run lab tests or x-rays to figure out what’s going on with your dog. With pet insurance, this type of diagnostic testing is typically covered.
  • Hereditary and genetic conditions: Many Cesky Terriers are predisposed to certain hereditary and congenital conditions throughout their lifespan. Pet insurance can cover things like hip dysplasia if your dog contracts it. 
  • X-rays and surgeries: These treatments are often crucial for pets who have been injured in an accident or who need surgery for an unrelated medical issue. Thankfully, most policies will cover these costs, so you don’t have to worry about footing the bill yourself.
  • Medication and hospital stay: Medication-related to standard procedures could include antibiotics after surgery or anti-inflammatory drugs for joint pain. If your Cesky Terrier needs to stay at the veterinary hospital overnight during or after treatment, the cost of their stay can also be covered by pet insurance. 

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-ons for wellness visits. 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 Cesky Terrier?

 Cesky Terriers are small, brave, and sturdy dogs. They were bred to hunt vermin in their native Czech Republic, so they’re excellent at sniffing out rodents and tracking. They’re also loyal and affectionate with their owners and families. The average monthly pet insurance cost for a Cesky Terrier is $42.88.

How are pet insurance premiums determined for a Cesky Terrier?

Many factors will determine the monthly premium rate for your Cesky Terrier (included but not limited to):

  • Age: Your dog’s age will play a significant role in determining your premiums. Younger dogs can be insured for less than older ones because they are less likely to have medical problems. Your premiums will increase each year as your dog ages. 
  • Location: Depending on where you live, life can be more expensive than in other places. If your Cesky Terrier lives in an area where the living cost is higher, you might have to pay more for your insurance. Keep that in mind as you move throughout your life.
  • Gender: In general, males are more expensive to insure than females because they tend to be more susceptible to certain genetic disorders and may be more likely to be injured in an accident or fight.
  • Medical history: If your dog has already had one or more health problems and wants to cover those conditions in the policy, it will cost you more than a policy without pre-existing conditions. 
  • Deductible: A higher deductible will result in lower monthly rates. If you choose to pay for expensive visits rather than file a claim on a minor visit, you can save money on your monthly insurance payment. 
  • Reimbursement rate: The reimbursement rate is the percentage of vet bills that the pet insurance company will cover after reaching your deductible. The more of your vet bills the company covers, generally speaking, the higher your monthly premium. 
  • Coverage amount: The coverage amount per incident or year determines how much you’ll spend on vet bills out of pocket and your monthly premium amount. You can choose to cover all costs or only up to a certain amount. 

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

Many pet insurance options are available for a Cesky Terrier, 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: Not all pet insurance plans are created equal: some offer additional coverage or benefits that others don’t include, and each plan has its premium. To ensure that you’re making a sound decision, figure out how much coverage you want and how much it will cost you each month (or year).   
  • Customer feedback: If you are unfamiliar with the company, ask for references from owners of other dogs who currently have a policy with them. This will give you an idea of how the company works and if they provide quality customer service. 
  • Conditions covered: Most pet insurance plans cover accidents, illnesses and emergencies, although some may exclude certain pre-existing conditions or hereditary and congenital conditions. So look at the fine print to see what’s covered in each plan and make sure it matches your needs.
  • Reimbursement rate: There’s no point in having pet insurance if you can’t get reimbursed for your pet’s care costs. Unfortunately, many pet insurance plans have a reimbursement rate that’s so low that you don’t get much of your money back. When reviewing a potential plan, make sure you know what percentage of the bill will be reimbursed for a given procedure or treatment. 
  • Coverage amount: Determining how much coverage you need can be tricky because it’s impossible to predict how many ailments an animal may suffer throughout its life or how expensive each treatment will be. If you don’t want to spend too much per month on a high coverage amount and instead prefer to save money but risk higher out-of-pocket costs down the road if something goes wrong.  
  • Deductible: A deductible is an amount you’ll need to pay before the insurance company begins covering your expenses. Some policies have no deductible, while others require you to pay upfront for each visit to the vet. Remember that plans with lower deductibles tend to have higher premiums and vice versa, so it’s essential to find a good balance.

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