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Best English Mastiff Pet Insurance of 2022

Lisa Scott

If you have an English Mastiff, 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.

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 an English Mastiff?

We all want the very best for our pets, and take care of them so that they stay healthy for years to come. But this may require visits to the vet for wellness check-ups and treatments for illnesses. 

For the English Mastiff, like all purebred dogs, health issues can arise from genetic predispositions which may require medical treatment throughout their life.

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

With a shorter lifespan than other dogs (6 – 10 years on average), the English Mastiff is a high-risk breed and can be susceptible to serious health issues. Some common health conditions they may experience are:

  • Gastric Torsion: This is a life-threatening condition and occurs when your dog eats too fast before or after physical exercise, causing the stomach to twist. 
  • Hip and Elbow Dysplasia: Common in larger dogs, it occurs due to abnormal development of the hip and elbow joints. It can be very painful for the dog and even require surgery. 
  • Eye conditions: Susceptible to eye conditions such as entropion, cataracts, and progressive retinal atrophy, it’s likely that the English Mastiff will suffer from blurry vision or go blind with age. 
  • Pulmonic Stenosis: Due to a partial blockage between the heart and the lungs, the heart has to work harder to pump blood through the narrowed area. Depending on the severity of the condition, different treatments and procedures are used to treat the condition. 

What does pet insurance cover for an English Mastiff?

Taking out pet insurance for your English Mastiff can cover a range of diagnostics, treatments, and procedures. Policies can cover the following costs:

  • Breed-specific conditions: These are hereditary conditions passed down due to the specific breed. As the English Mastiff is a purebred dog and likely to develop genetic conditions, pet insurance can help cover the cost of treatment. 
  • Tests and diagnostics: Accidents and illnesses may require x-rays, ultrasounds, MRI scans, CT scans, blood tests, and urinalysis.
  • Exam fees: Pet insurance will help cover the cost of exam fees and vet labor. 
  • Accidents and illness: Accidents and illnesses can happen without warning. Pet insurance will help to cover the costs of emergency visits, treatments, and hospitalization. 

Pet insurance covers a range of treatments, but it does not cover preventative or wellness care. 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.

In addition, many pet insurance policies cover alternative therapies such as physical therapy, acupuncture, hydrotherapy, homeopathy, naturopathy, and chiropractic treatment. Be sure to read the fine print as the exact coverage will differ depending on the insurer and the type of policy.

Typically, there are three types of policies to choose from. These include accident-only, accident and illness, and wellness check-ups. Accident-only has limited coverage compared to accident and illness coverage, but can also be a cheaper option. 

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 Mastiff?

Many different factors determine the cost of your pet insurance coverage. Some of these factors include:

  • Age: As your dog gets older, they are likely to become more susceptible to health conditions which will increase the cost of their insurance premiums. 
  • Size: Larger and giant breed dogs can be exposed to various health conditions due to their weight. This will be reflected in your insurance premium. 
  • Payment of policy: Choosing to pay annually instead of monthly can lead to a policy discount given by many pet insurance providers. 
  • Deductibles: Depending on your budget, you can choose to increase or reduce your policy deductibles. High deductibles will leave you with larger out-of-pocket expenses if you have to make a claim but will lower your insurance premium. 
  • Breed: Certain breeds are known for having poorer health. This will increase the cost of your policy. 

It’s a good idea to note that the majority of insurance policies have waiting periods where the effective date begins a specified number of days after the start date. If your dog has an accident or falls ill during the waiting period, medical costs and veterinary bills are unlikely to be covered. 

How to choose the best pet insurance plan for an English Mastiff?

Choosing the best pet insurance plan can take time and effort. It’s a good idea to start with an insurance plan while your dog is young, as premiums increase with age and some providers will not insure older dogs. Here are some key factors to keep in mind when choosing your plan:

  • Exclusions: As with many insurance policies, pet insurance comes with exclusions. Common exclusions include cosmetic treatment, pre-existing medical conditions, teeth cleaning, microchipping, pregnancy or birth, preventable diseases, grooming services, and death. Some restrictions can apply to all breeds and other restrictions can apply to certain breeds.
  • Policy add-ons: Some pet insurance policies will have policy add-ons such as dental coverage, behavioral therapy, and wellness check-ups. Be mindful to assess your dog’s health and likely health conditions before you take out a policy, as certain add-ons can save you hundreds of dollars in out-of-pocket expenses. 
  • Read the terms and conditions: Imagine your dog gets sick and you submit a claim only to find out that it isn’t covered under your policy. To avoid any surprises, it’s best to thoroughly read the fine print before you take out a policy. Whether you’re choosing accident-only or accident and illness coverage, limits and the extent of what is covered will differ between insurance companies.