Best Czech Shepherd Pet Insurance of 2022

Lisa Scott

If you have a Czech Shepherd, they’ve already become a loved member of your family. 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.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

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.

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

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

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 Czech Shepherd?

A Czech Shepherd is loyal, protective, and affectionate. Although generally a healthy breed, these dogs can be prone to various health conditions. 

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

Typically, a Czech Shepherd 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: A Czech Shepherd is prone to hip dysplasia, where the hip joint degenerates due to abnormal bones and surrounding tissue formation. Symptoms include lameness and difficulty walking.
  • Elbow dysplasia: These dogs can also have elbow dysplasia, which is similar to hip dysplasia in that it causes deterioration of the joints due to improper bone development. Symptoms include stiffness or pain in the joints, lameness, and decreased range of motion.
  • Gastric torsion (Bloat): Gastric torsion occurs when the stomach twists on itself, cutting off blood supply to part of your dog’s stomach or intestines. This can be life-threatening if not treated quickly because it causes rapid blood loss in the abdomen, leading to shock and death within hours if left untreated.    
  • Patellar luxation: This is a condition where the dog’s kneecap dislodges from its normal position in the knee joint. It can cause pain and lameness of the affected leg, but it does not usually shorten the lifespan of your dog.
  • Myasthenia gravis: This is an autoimmune disease that causes muscle weakness, especially in the facial muscles, jaw muscles, and limbs. Symptoms include drooping eyelids and difficulty chewing or swallowing food due to weakness in the jaw muscles. The condition is treatable with medication, but there is no cure for this disease yet, so you should seek veterinary advice if your dog shows signs of this condition.  

What does pet insurance cover for a Czech Shepherd?

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: The cost of diagnostics or blood tests is covered if your pet develops a medical condition that requires attention. If you’re insured for vet care, you’ll be reimbursed for these costs within your policy limits. 
  • Hereditary and genetic conditions: If your Czech Shepherd is diagnosed with an inherited disease or disorder, the cost of treatment is covered under most policies. To qualify, the disease must run in your dog’s family line and be diagnosed by a veterinarian before you buy the policy. 
  • X-rays and surgeries: The cost of X-rays or surgery required to diagnose or treat a condition is covered under most policies as long as a licensed vet performs it.
  • Medication and hospital stays: If your dog needs to take any prescription medication, it will be covered by most pet insurance companies. If your dog needs to stay in the hospital, this will also be covered. 

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 Czech Shepherd?

The average cost of pet insurance for a Czech Shepherd is $35-$55 per month. The average rate can vary based on multiple factors. 

How are pet insurance premiums determined for a Czech Shepherd?

Many factors will determine the monthly premium rate for your Czech Shepherd (including but not limited to):

  • Age: The older your dog is, the higher the premium. Older dogs are more likely to get sick and require treatment for chronic conditions like arthritis and heart disease. 
  • Location: The location where you live can affect how much you pay for pet insurance. In some areas, it’s more expensive to insure pets due to higher living costs.
  • Gender: Male dogs tend to have more health problems than female dogs, affecting pet insurance premiums. Males also tend to be larger than females, so they’re more expensive to insure against injuries caused by fighting or getting hit by cars due to their larger size. 
  • Medical history: If your Czech Shepherd has been diagnosed with any health conditions in the past, this will also affect their premium rate and their annual deductible amount if they are eligible for an accident rider (which covers accidents instead of illnesses).
  • Deductible: The deductible is the amount you have to pay before your insurance starts to cover the cost of the treatment. The higher your deductible, the lower your premiums 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 premiums because a larger payment will be made to vets and pharmacies on your behalf. These rates typically range from 70% to 90%. 
  • Coverage amount: The coverage amount is the maximum dollar amount an insurer will pay per year per pet insured under their policy terms (subject to any maximum benefit limitations). Higher coverage means higher premiums.

How to choose the best pet insurance plan for a Czech Shepherd

Many pet insurance options are available for a Czech Shepherd, 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: First things first, determine how much money you want to spend on pet insurance every month or year. You should also consider how much you would be willing to pay out of pocket if your dog gets sick or injured. 
  • 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: Check the list of conditions covered by each policy carefully to know exactly what you’re paying for. Some policies may not cover hereditary conditions such as hip dysplasia or cataracts, so check these carefully before signing up.
  • Reimbursement rate: The reimbursement rate is the percentage of an insured event you can expect to receive back from your insurance company. This rate is typically expressed as a fraction or share, and you may see it referred to as the “claims paid ratio” as well. The higher the reimbursement rate, the better coverage you’ll have with your pet insurance plan. 
  • Coverage amount: The coverage amount refers to the maximum amount that can be reimbursed for a procedure or treatment by an insurance company. Some pet insurance companies have a high coverage amount, while others are lower. If you think your pet will have a high cost for treatment, you should consider a policy with high coverage amounts to receive more money back if your pet needs expensive treatments or procedures such as chemotherapy and surgery. 
  • Deductible: A deductible is an amount you’ll have to pay out-of-pocket before your policy kicks in and starts paying for any claims arising from treatments or procedures carried out by your vet during a year. If you’re concerned about meeting monthly payments, then your best option is to select a higher deductible amount.