If you have a Dandie Dinmont Terrier, 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
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
70% - 100%
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
70% - 90%
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
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 Dandie Dinmont Terrier?
This Dandie Dinmont Terrier usually gets along well with children as long as they’re raised together since they don’t like being separated from their owners, but it can be aggressive toward other dogs if they’re not socialized early on. Although an overall healthy dog, it can be prone to certain health conditions.
Medical treatment for your Dandie Dinmont Terrier can become very expensive, especially if they encounter a more severe issue that requires invasive treatment. Medical bills for treating a sick Dandie Dinmont Terrier can quickly add up, costing 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 Dandie Dinmont Terrier
Typically, a Dandie Dinmont Terrier has a longer lifespan than the average dog. 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:
- Patellar luxation: This is a common condition in a Dandie Dinmont Terrier. It’s a condition where the kneecap slips out of its standard groove, causing inflammation and pain. This condition can be corrected with surgery, which will help your pet regain mobility and quality of life.
- Hip dysplasia: This is a condition where the hip joint doesn’t fit together correctly. This causes the muscles around the hip to become weak or injured over time, leading to pain and limited mobility. If you notice your dog limping, it could be due to hip dysplasia or other problems with their hips or legs.
- Ear infections: The Dandie Dinmont Terrier is prone to ear infections if they aren’t cleaned regularly or if they get dirt in them while playing outside or digging in the yard. Ear infections can cause pain and discomfort for your dog, so it’s essential to keep an eye on their ears and clean them regularly if they need it.
- Intervertebral disk disease (IVDD): IVDD is the most common cause of back pain in a Dandie Dinmont Terrier. It is a congenital disease that causes degeneration of the discs between the vertebrae, leading to spinal cord compression, resulting in paralysis and even death.
- Von Willebrand disease (vWD): This inherited bleeding disorder affects the blood’s ability to clot correctly because of a deficiency in von Willebrand factor (vWF). Dogs may bleed longer than expected after being cut, injured, or spayed. Treatment options include medications that replace missing vWF proteins in the blood, blood transfusions, and surgery to correct bleeding problems.
What does pet insurance cover for a Dandie Dinmont 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: This type of coverage covers diagnostic tests performed to determine if your dog has an illness or disease. This includes routine blood tests, urinalysis, and X-rays. Some policies will also cover annual physical exams by your veterinarian.
- Hereditary and genetic conditions: A Dandie Dinmont Terrier can be born with congenital defects, which are abnormalities that are present at birth and can affect their health for life. Examples include hip dysplasia and cataracts. Pet insurance plans often cover hereditary conditions and other genetic problems for dogs of all ages, including puppies who haven’t yet developed signs of disease.
- X-rays and surgeries: Your veterinarian’s pet insurance policies cover the surgery if deemed medically necessary. X-rays are also covered if they are considered medically necessary for diagnosing or treating your dog’s condition. You should check with your vet about what procedures are covered under your policy before undergoing any treatments or procedures on behalf of your pet.
- Medication and hospital stay: If your Dandie Dinmont Terrier needs medication, your insurance policy can cover the cost. The same goes for any hospital stays that your dog may need due to an accident or illness.
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 Dandie Dinmont Terrier?
The average cost of pet insurance for a Dandie Dinmont Terrier is about $50/month. However, this rate can be vastly different on multiple factors.
How are pet insurance premiums determined for a Dandie Dinmont Terrier?
Many factors will determine the monthly premium rate for your Dandie Dinmont Terrier (included but not limited to):
- Age: The younger the pet, the cheaper the premium. The older your dog, the more likely it will face health issues and require expensive treatments.
- Location: The cost of living in one place compared to another can affect how much pet insurance costs, and this is because some places have higher living costs and higher healthcare costs overall.
- Gender: Male dogs are more likely than females to be involved in an accident or injury requiring a veterinarian’s treatment. Therefore, males tend to cost more monthly.
- Medical history: Most pet insurance companies will request your veterinarian’s records when you apply for or renew coverage with them. They’ll know whether your pet has had any incidents that could trigger higher premiums down the line.
- Deductible: The deductible is the amount you need to pay before your insurance company starts paying for your pet’s treatment. The higher the deductible, the lower the premium will be.
- Reimbursement rate: This refers to how much of your medical bills will be paid by your insurance provider. The higher the reimbursement rate, the higher your premiums will be since there would be fewer out-of-pocket expenses to pay on an annual basis. Typically, these rates range from 70% to 90%.
- Coverage amount: The amount of coverage that you choose will determine how much you will pay each month. More coverage means higher premiums.
How to choose the best pet insurance plan for a Dandie Dinmont Terrier
Many pet insurance options are available for a Dandie Dinmont 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: The first thing to consider is how much you can spend on insurance. The amount of coverage you choose should be enough to cover any unexpected medical expenses, but it shouldn’t be too high that it would strain your budget.
- Customer feedback: Ask for references from other pet parents who have used the service before. You can also speak to your vet about their experience.
- Conditions covered: Make sure that you choose a policy that covers all the conditions you require, so you don’t have to pay for the extra costs when your pet needs treatment.
- Reimbursement rate: If you choose a lower rate and have an expensive medical bill, you may have to pay out of pocket for some of your pet’s expenses. Most opt in for a higher rate.
- Coverage amount: The coverage varies from plan to plan, so choose one based on how much coverage you require for each condition or illness. For example, if your Dandie Dinmont Terrier has diabetes and requires insulin injections every day, choosing a higher coverage plan would be best for your pet’s health and well-being.
- Deductible: The deductible is the amount of money you have to pay before your insurance company starts paying for your pet’s medical expenses. The higher the deductible, the lower your premium. However, this also means that you’ll be responsible for paying more out-of-pocket expenses when your pet needs care.