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Best Dalmatian Pet Insurance of 2022

Lisa Scott

If you have a Dalmatian, 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.

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 Dalmatian?

The Dalmatian is one of the most popular breeds worldwide. They are known for their black spots and white coats, making them stand out from other dogs. Dalmatians are energetic, intelligent, and playful dogs that make excellent family pets. They require daily exercise to keep them healthy and happy, but they are prone to various health conditions. 

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

Typically, a Dalmatian has a longer lifespan than the average dog, and you can expect your dog to live somewhere between 10 to 13 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

  • Hip dysplasia: This condition occurs when the hip joint does not develop properly and results in lameness, pain, and arthritis. It is often seen in larger breeds such as Dalmatians, bulldogs, and German shepherds.
  • Degenerative myelopathy (DM): This disease causes progressive damage to the spinal cord that leads to weakness or paralysis in the hind legs. It is caused by an abnormal accumulation of proteins in the nerve cells of your dog’s spinal cord.
  • Cataracts: Cataracts occur when protein deposits form on the lens of your dog’s eye, causing vision impairment or blindness if left untreated. Cataracts usually appear after age five but can occur earlier due to injury or disease. They can also affect both eyes at once or just one eye at a time over time.
  • Distichiasis: This condition involves abnormal eyelashes growing out of the eyelid margins instead of increasing from inside the eyelid as regular eyelashes do. Distichiasis is not painful, but it can irritate if left untreated, leading to corneal ulcers or keratitis.   
  • Pyruvate kinase deficiency: This genetic disorder causes an abnormal buildup of lactic acid in the muscles, which leads to muscle stiffness, weakness, and exercise intolerance in affected dogs. Some Dalmatians who have PK Deficiency may also experience seizures due to high lactic acid levels in their blood during periods of exercise or excitement.    

What does pet insurance cover for a Dalmatian?

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: Pet insurance for a Dalmatian typically covers diagnostic and blood tests, such as X-rays and blood work. These are necessary to determine if your dog is suffering from a condition that requires treatment. 
  • Hereditary and genetic conditions: If your Dalmatian is diagnosed with a congenital or genetic condition, pet insurance may cover the cost of treatment. This can include hip dysplasia, heart disease, kidney disease, or cataracts. Before purchasing a policy, you should check with your provider to see whether your plan covers any specific conditions. 
  • X-rays and surgeries: X-rays diagnose internal problems like broken bones or infections in soft tissues like muscle or organs. Surgeries may be needed to repair damaged tissue or organs, remove cancerous tumors, or replace diseased joints with artificial ones. 
  • Medication and hospital stay: Medications may be prescribed by veterinarians for pain relief, bacterial infections, and even organ failure (heartworm preventative). Hospitalization is required for critical care when an animal needs intensive monitoring and treatment due to severe illness or injury that requires 24-hour care by a trained professional (e.g., intensive care unit). 

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 Dalmatian?

The average cost of pet insurance for a Dalmatian is $50 per month. It’s important to note that the premium quoted does not include all the costs associated with pet insurance, such as co-pays and deductibles. 

How are pet insurance premiums determined for a Dalmatian?

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

  • Age: Pet insurance companies typically charge higher premiums for older dogs than younger ones. Older pets are more likely to suffer from chronic conditions such as hip dysplasia or arthritis than younger pets. Additionally, older animals have a greater risk of developing cancer than younger ones.  
  • Location: The cost of living varies from state to state, including insurance prices. If you live in a more expensive area, expect to pay more for your policy. 
  • Gender:  Male dogs tend to have more health problems than female dogs (especially prostate problems), so they may have higher health care costs over their lifetime than females do.
  • Medical history:  If your dog has been treated for certain conditions in the past, they may be considered “high risk” by some insurance companies, which means you’ll likely pay a higher premium. 
  • Deductible: A deductible is the amount of money you have to pay out-of-pocket before your insurance company begins reimbursing expenses.
  • Reimbursement rate: How much of the remainder of your expenses will be covered after the deductible is met. The higher this percentage is, the lower you’ll pay in premiums each month because the insurance company will reimburse a lower amount. Typically, reimbursement rates range from 70% to 90%.
  • Coverage amount:  The most critical factor in determining your premium is the coverage amount. The more coverage you want, the higher your premium will be.

How to choose the best pet insurance plan for a Dalmatian

Many pet insurance options are available for a Dalmatian, 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: Pet insurance plans can vary significantly depending on your pet’s size, breed, etc. You might find cheaper plans if you don’t want to cover all types of medical treatment or have an upper limit on the amount you’re willing to pay out-of-pocket every year. 
  • 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 is how much money your policy will pay out per year if your pet has an accident or illness. The higher this number, the more likely it is that your pet’s care will be covered by its policy if something happens to it. 
  • 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.