If you have a Field Spaniel, 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.
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
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.
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
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
Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.
What we like
Older cats and dogs are covered
Customize your plan to fit your pet's needs and financial situation
Customers from US can get covered in Canada as well
Unlimited live vet chat if an issue occurs with your pet
The Field Spaniel is a medium-sized dog breed of the Spaniel type, developed in Great Britain for bird hunting. A true working dog, it was bred to hunt game birds such as pheasant and grouse. The coat color can be black and white or liver and white with or without tan markings (although the latter are rare). The coat has a dense undercoat which helps protect it from the cold. The ears are long and hang down beside the face. Field Spaniels have large feet for running through wet grasses.
Medical treatment for your Field Spaniel can become very expensive, especially if they encounter a more severe issue that requires invasive treatment. Medical bills for treating a sick Field 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 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 Field Spaniel
Typically, a Field Spaniel has a longer lifespan than the average dog, and you can expect your dog to live somewhere between 10 to 12 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:
Epilepsy: This condition is characterized by seizures that can be either focal (partial) or generalized. A seizure can occur due to trauma, such as a car accident or fall, hypoglycemia (low blood sugar), or other medical problems. A dog may have one seizure and never experience another again, or he may have recurring seizures over time if the underlying cause cannot be identified and treated appropriately.
Eye problems: Eye diseases such as cataracts and progressive retinal atrophy (PRA) can cause blindness in field spaniels. These conditions can be tested for but may not show up until later in life when they are more difficult or impossible to treat effectively.
Thyroid disease: An overactive or underactive thyroid gland can cause weight gain, hair loss, skin problems, and other issues in dogs. Diagnosis is done by testing blood levels of thyroid hormones, but it is important to note that hypothyroidism does not always cause clinical signs in dogs with the condition.
Hip dysplasia: Several canine breeds are at risk for hip dysplasia, including the Field Spaniel. This condition occurs when the hip joint is abnormal, resulting in pain and lameness after exercise or activity. It can also cause arthritis as the dog ages.
Immune-mediated hemolytic anemia: Immune-mediated hemolytic anemia occurs when your pet’s immune system produces antibodies attacking red blood cells in his circulation. The breakdown of red blood cells leads to anemia and weakness because they no longer carry enough oxygen throughout your dog’s body. Symptoms include lethargy, pale mucous membranes, and jaundice (yellowing of the skin due to liver failure).
What does pet insurance cover for a Field Spaniel?
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: If your dog is experiencing symptoms that could be related to a severe illness, your vet may order diagnostic tests like X-rays, ultrasounds, or blood work. These tests can help determine if an underlying condition needs treatment.
Hereditary and genetic conditions: Some diseases are passed down through generations — an inherited gene mutation causes them. This can make it challenging to find a cure because you can’t treat the cause of the disease; instead, you have to address its symptoms.
X-rays and surgeries: X-rays are used to diagnose problems with bones or internal organs, such as broken bones or tumors. Surgeries may be required for treating some conditions or removing tumors from organs like the kidneys or liver.
Medication and hospital stays: Treatment for diseases like cancer often requires medication in addition to surgery or other procedures. Some conditions may also require hospitalization due to their severity — this means that your pet will stay at the vet clinic overnight while being monitored by doctors.
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 Field Spaniel?
A Field Spaniel is a moderately sized dog that tends to shed heavily. They are very intelligent and eager to please their owners, making them great family pets. The average cost for pet insurance for a Field Spaniel is $23/month, and this price assumes that the coverage includes accidents, illnesses, prescriptions, and behavioral treatment plans.
How are pet insurance premiums determined for a Field Spaniel?
Many factors will determine the monthly premium rate for your Field Spaniel (included but not limited to):
Age: The older your dog is, the more expensive its insurance premiums will be. Older dogs are more likely to have pre-existing conditions or develop new ones as they age. A three-year-old dog might cost less than a one-year-old dog, but it will probably cost more than a six-month-old puppy.
Location: Where you live can also affect how much you pay for pet insurance. If you live in an area where veterinary care is expensive, then expect to pay higher premiums than someone who lives in a place where vet services are cheaper.
Gender: Male dogs tend to be larger than females and are more likely to tear ligaments or get injured during playtime. Male dogs also tend to be more aggressive when they’re young and less willing to follow orders from their owners as they mature — which means they could get into fights with other dogs or be injured by those fights themselves. This can lead to higher medical bills for males.
Medical history: If your dog has been diagnosed with certain illnesses or injuries within the last five years, he’ll be considered at high risk for developing them again and will cost more to insure than a healthy dog would be charged.
Deductible: Your deductible is the amount of money you are responsible for paying out-of-pocket before your insurance company starts to reimburse you: the higher your deductible, the lower your monthly premium.
Reimbursement rate: This is the percentage of expenses that your pet insurance company will pay after paying their portion of expenses up to the coverage maximum. For example, if you have a reimbursement rate of 80%, your insurance company would pay 80% of all eligible expenses up to the coverage maximum. Then the remaining 20% would be paid by you.
Coverage amount: This is the maximum amount of money paid out by your pet insurance policy for claims related to accidents or illnesses in any given year.
How to choose the best pet insurance plan for a Field Spaniel
Many pet insurance options are available for a Field 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:
Budget: Pet insurance is a significant investment, and you should take your time to compare plans and find the one that is right for you. The cost of pet healthcare can be substantial, so it’s essential to get the most coverage for your money.
Customer feedback: When choosing a plan, ask about other people’s experiences with that company. Ask for references from clients who have used their services and find out what they liked or disliked. This can give you insight into how helpful they will be if your dog ever needs treatment.
Conditions covered: Some plans may not cover pre-existing conditions or certain types of chronic illnesses, such as cancer. Review each plan carefully to ensure that you get everything you need and want in a policy.
Reimbursement rate: The reimbursement rate is the percentage of your vet bill that an insurer will cover. The higher it is, the more expensive your monthly premiums will be. But if your dog has a lot of health issues or needs regular treatments or medications, then you should opt for a plan with a high reimbursement rate.
Coverage amount: This is the maximum amount that an insurance company will pay over the lifetime of your policy. However, this does not mean that every claim will be fully reimbursed because there may still be deductibles or co-pays involved in getting paid out.
Deductible: A deductible amount you pay before your insurance kicks in. The lower the deductible, the higher your premium will be. If you have an older pet with preexisting conditions or chronic health issues, a high deductible may be worth it because it will lower your monthly premiums.
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