Best English Cocker Spaniel Pet Insurance of 2022

Lisa Scott

If you have an English Cocker Spaniel, chances are 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 an English Cocker Spaniel?  

While the English Cocker Spaniel can live a long and happy life, accidents and illnesses can happen which could require emergency vet visits. Medical treatment for your English Cocker Spaniel can become very expensive, especially if they encounter a more serious issue that requires invasive treatment. Medical bills for treating a sick English Cocker 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 pet’s medical treatments and procedures, while you focus 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 important and beneficial for your pet.

Common health conditions for an English Cocker Spaniel

Typically, an English Cocker Spaniel has an average lifespan of 12 – 14 years, and it could live longer with the right medical care and attention. However, like all dog breeds, there are certain medical conditions that your pet could develop such as:

  • Hip dysplasia: This is a hereditary condition and occurs due to abnormal development of the hip joints. Hip dysplasia can be expensive to treat and, in some cases, require surgery if your dog is unable to run or walk. 
  • Cataracts: A cloudy film that sets into the eye’s lens which prevents light from entering, Cataracts become more common for dogs as they get older. 
  • Patellar luxation: Occurs when the kneecap moves out of its normal location, in severe cases the dog may have to shift its weight to its forelimbs to maintain balance. 
  • Entropion: An inherited trait, the eyelids roll inwards causing a lot of pain for the dog. Treatment can depend on the severity, but very often requires surgery to fix it.

What does pet insurance cover for an English Cocker Spaniel?  

Pet insurance can cover a range of treatments to help keep your English Cocker Spaniel healthy. Depending on the pet insurance plan you get, you may be covered for injury-only, illness-only, or a combination of the two. Based on your plan, you could have the following costs reimbursed:

  • Accidents and illness: If you’ve taken out accidents and illness coverage, pet insurance can help cover the cost of emergency vet visits and treatments required if your dog falls sick. 
  • Vet labor: Exam fees and the cost of vet labor can be expensive. Pet insurance can provide coverage for these costs.
  • Surgery and hospitalization: If your dog is hospitalized overnight or requires surgery perhaps due to a genetic condition, pet insurance will cover you for these fees. 
  • Alternative therapies: At times, treatment for health conditions may require alternative therapies. Treatments such as physical therapy, acupuncture, and hydrotherapy can be included in your coverage. Although it’s best to read the fine print when you take out your policy, as the level of coverage and treatments provided will be different for each insurer.

Pet insurance covers a range of treatments, but it does not cover preventative or wellness care, and there are limits to your coverage. Regular check-ups with the veterinarian will not be covered under most pet insurance plans. For this type of coverage, you will need to take advantage of a separate wellness plan or see if the provider has any add-ons for wellness visits. Most providers usually do have it as an add-on.

Moreover, most insurance providers will not cover pre-existing conditions that were established before you registered your pet for coverage. Be sure to 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 are pet insurance premiums determined for an English Cocker Spaniel?  

There are many factors that will determine the monthly premium rate for your English Cocker Spaniel (included but not limited to):

  • Age: With age can come more health issues and this will be reflected in your insurance premiums. Typically, older dogs will be more expensive to insure than younger dogs. 
  • Location: If veterinary costs are high in your local area, you will be quoted a higher premium. 
  • Insurance provider:  Prices can differ between insurance providers and it’s a good idea to shop around and compare multiple policies. Some insurers may provide accident-only coverage, while other insurers have policies for accidents and illness or wellness check-ups. The more extensive coverage you take, the higher your premiums. 
  • Medical history: If your dog has a history of illness or requires treatment, insurance premiums can increase to reflect the cost of ongoing treatment. 

It’s important to note that pet insurance policies do have exclusions. Typically, some of these include breeding costs, cosmetic surgery, and pre-existing conditions.   

How to choose the best pet insurance plan for an English Cocker Spaniel

There are many pet insurance options available for an English Cocker 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:

  • Consider your dog’s health needs: If your dog is likely to develop genetic health issues or other medical problems, it’s a good idea to factor this in when shopping around for pet insurance. Finding the right plan from the start can avoid changing pet insurance plans later on when coverage may become more expensive with the dog’s age. 
  • Read the terms and conditions: To avoid any surprises, it’s beneficial to read the fine print before you take out an insurance policy. This can help you avoid finding out when you submit a claim, that your dog’s medical needs are not covered.
  • Waiting periods: The majority of pet insurance policies have waiting periods where your policy does not come into effect until a certain number of days (often ranging from 3-days to 180-days) have passed after the policy start date. If your dog gets sick or has an accident during this period, the insurer is unlikely to provide coverage. Be sure to double-check this when you take out your policy.