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Best Clumber Spaniel Pet Insurance of 2022

Lisa Scott

If you have a Clumber Spaniel, 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.

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 Clumber Spaniel?

Clumber Spaniels are known for their gentle temperament and love of children. They’re also very loyal dogs that make excellent companions for active people who enjoy hiking or jogging with their dogs. Although a healthy breed, they are prone to various health conditions.

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

Typically, a Clumber Spaniel has a longer lifespan than the average dog, and you can expect your dog to live somewhere between 10 to 12 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

  • Bloat (gastric dilatation-volvulus): This condition occurs when the stomach twists on itself, causing severe pain and potentially fatal complications such as shock and damage to other organs.
  • Cardiomyopathy: This is a heart disease that affects the heart’s muscle, causing it to become enlarged and weakened over time. Dogs with cardiomyopathy tend to have trouble breathing and may collapse suddenly if they overexert themselves during exercise.
  • Elbow dysplasia: This condition causes varying degrees of lameness in dogs, depending on how severe it is. It results from abnormal cartilage growth in the elbows due to genetic predisposition or injury during growth stages.
  •  Hip dysplasia: This is a degenerative disease of the hip joint. Symptoms include limping and pain in the hips. If you notice these symptoms, your dog should be examined by a vet.
  • Epilepsy: This is a common condition in dogs and is caused by abnormal electrical activity in the brain. The seizures themselves are often mild (blacking out for a few seconds), but they can become more severe if left untreated. The first sign of epilepsy can be seen between 6 months and two years old.

What does pet insurance cover for a Clumber Spaniel?

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: Some basic tests are included in many plans, including diagnostic tests such as urinalysis and fecal exams and bloodwork to check for signs of infection. If your vet determines that further testing is necessary, the plan may cover it. 
  • Hereditary and genetic conditions: Pet insurance can help pay for expensive treatments for diseases like hip dysplasia and diabetes, which are hereditary. In some cases, it can also cover pre-existing conditions like allergies or eye problems that developed before you got the pet insured. 
  • X-rays and surgeries: Pet insurance may cover surgery to remove a foreign object from your pet’s throat or stomach, repair broken bones or treat cancerous lumps (tumors). 
  • Medication and hospital stay: If your Clumber Spaniel needs medication or needs to stay at the hospital because of an injury or illness, pet insurance may pay for it. 

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 Clumber Spaniel?

The average cost of pet insurance for a Clumber Spaniel is $30-$40 per month. This price can vary based on multiple factors. Also, some insurance companies offer discounts if you sign up for multiple policies or pay annually instead of monthly. 

How are pet insurance premiums determined for a Clumber Spaniel?

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

  • Age: The older a pet is, the higher its premiums will likely be because of life expectancy and health concerns associated with older pets. 
  • Location: The cost of living in different parts of the country can vary considerably. You’ll want to compare prices and plans in your area with other areas before becoming insured. The higher the cost of living, the higher the premiums.   
  • Gender: Male dogs are typically more expensive than female dogs because they tend to get into more accidents and require more treatments for injuries sustained during these accidents (such as broken bones). 
  • Medical history: If your dog has had any health problems in the past, this will also affect your premium because it may indicate that they might have ongoing health issues. 
  • Deductible: The deductible is the amount of money you have to pay out-of-pocket before your insurance company starts paying for treatment. The lower the deductible, the higher your monthly premium will be. 
  • Reimbursement rate: This refers to how much of the treatment costs will be covered by your policy. The higher the reimbursement rate, the higher your premium
  • Coverage amount: Your coverage amount determines how much money will be available to pay for veterinary bills and other costs associated with treating your pet’s illness or injury. A low coverage amount means less money available to pay these costs, while a high coverage amount means more money available to pay these costs, which will cause higher premiums overall. 

How to choose the best pet insurance plan for a Clumber Spaniel

Many pet insurance options are available for a Clumber Spaniel, 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: If you have a limited budget, it’s best to look for inexpensive plans that can cover the most critical conditions of your pet. 
  • Customer feedback: If you’re buying pet insurance for the first time, ask pet parents on what their experiences were like. This will give you an idea of whether it’s worth spending money on a policy that will cover your dog’s future medical costs. 
  • Conditions covered: Make sure that the plan covers all the necessary conditions of your Clumber Spaniel, including accidents, illnesses, and hereditary conditions such as hip dysplasia or eye diseases like glaucoma or cataracts. These are some of the most common problems that can affect your dog’s health.
  • Reimbursement rate: The reimbursement rate is the percentage of the medical bills paid by an insurance company. The higher the reimbursement rate, the more money you will get back from the company after paying your premiums every month.
  • Coverage amount: This refers to how much money will be paid by the insurance company if an accident or illness happens to your pet. You should note this because it will determine how much money you need if something terrible happens to your pet.
  • Deductible: A deductible is an amount you have to pay before an insurance company starts paying out claims for your pet’s medical bills and treatments. Some companies offer free-choice deductible, which means that you can choose what deductible amount suits your budget best.