If you have a French 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 French Spaniel was originally bred in France and was used for hunting small game such as rabbits and birds in Europe during the 17th century. Today, it’s known for its silky coat and affectionate nature. French Spaniels are brilliant dogs with a sometimes stubborn streak, which makes them great pets but means they need plenty of exercise and attention from their owners.
Medical treatment for your French Spaniel can become very expensive, especially if they encounter a more severe issue that requires invasive treatment. Medical bills for treating a sick French 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 French Spaniel
Typically, a French 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:
Progressive retinal atrophy (PRA). This is an eye disease caused by degeneration of the retina, leading to vision loss. This condition can be tested for during examinations at your local vet clinic, but there’s no cure. Dogs with this condition should not be bred because it will cause blindness in their puppies.
Diabetes mellitus (diabetes). This is an endocrine disorder where the pancreas fails to produce sufficient insulin, so glucose levels rise in the blood, causing dehydration, excessive thirst and urination, weight loss, poor coat quality, lethargy, and weakness.
Epilepsy: Epilepsy is a common problem in French spaniels. In this condition, the dog has seizures that are not caused by another disease or injury, and the seizures can be triggered by stress, excitement, or exhaustion.
Hip dysplasia: Hip dysplasia is more challenging to diagnose than many other conditions; hip dysplasia causes pain and lameness in the rear legs. It can be genetic and is more likely to occur in larger dogs with short legs, such as the French spaniel.
Juvenile cataracts: Juvenile cataracts are seen in young dogs between one and two years old. This condition makes it hard for the dog to see clearly until it clears up on its own when the dog reaches maturity (between three and five years old).
What does pet insurance cover for a French 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 has a medical condition that requires diagnostic testing or blood tests, you may be able to have this covered by your policy. The most common types of diagnostic tests are X-rays and ultrasounds.
Hereditary and genetic conditions: Many people don’t realize that their dog could have inherited a severe medical condition that could shorten his life span or cause pain and suffering. Some companies will cover hereditary conditions for some breeds but not others. If you own a breed known to suffer from certain diseases or conditions, make sure you ask about them before purchasing a policy.
X-rays and surgeries: Most policies cover diagnostic procedures, such as X-rays, blood tests, and urinalysis. If an injury requires surgery, most policies will help pay for the cost of the surgery. If your dog has to stay in the hospital because of surgery or illness, most policies help cover hospital stays.
Medication and hospital stays: Most policies cover prescription medication costs if your dog needs medicine to treat an illness or injury. Most policies also cover some or all of the price for any medical treatment required by your dog during an emergency, including hospitalization.
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 French Spaniel?
The average cost of pet insurance for a French Spaniel is $38 per month or $436 per year. The average price of pet insurance for a French Spaniel varies by company and depends on the coverage you choose. For example, if your pet requires routine teeth cleanings or surgical procedures and other treatments that aren’t covered by basic plans, you will have to pay out-of-pocket for those costs. Some policies also only cover accidents or illnesses. At the same time, the dog is under its regular veterinarian’s care (not at a specialist), so check both the policy summary and exclusions carefully before you buy.
How are pet insurance premiums determined for a French Spaniel?
Many factors will determine the monthly premium rate for your French Spaniel (included but not limited to):
Age: The older your pet is when you apply for coverage, the higher your premium will be because older animals are more likely to develop health problems than younger ones.
Location: If you live in an area with higher living costs, expect higher premiums. If you live in a rural area with low living prices, expect lower premiums.
Gender: Most companies will charge higher premiums for male dogs than for female dogs, as males are more likely to get into many fights due to their aggressive nature.
Medical history: The cost of an individual policy will depend on your pet’s medical history. If your French Spaniel has already been diagnosed with a condition, such as heart disease or hip dysplasia, their premium will be higher than that of a pet with no pre-existing conditions.
Deductible: The deductible is the amount of money you must pay out of pocket before the pet insurance company begins paying claims. The higher your deductible, the lower your monthly premiums will be.
Reimbursement rate: The reimbursement rate is how much the insurance company will pay for each illness, injury, or condition. The higher the reimbursement rate, the more you will pay for your monthly premiums.
Coverage amount: The coverage amount refers to how much money you can spend on covered expenses before your policy pays out. A higher coverage amount means you can get more money back from your pet insurance policy if you need it.
How to choose the best pet insurance plan for a French Spaniel
Many pet insurance options are available for a French 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: Ask yourself how much you are willing to spend on veterinary bills. It’s essential to understand how much it will cost you each year so that you don’t end up with an unexpected bill that puts your finances at risk.
Customer feedback: Look for recommendations from friends and family members who have used pet insurance before. Ask them about their experience with their chosen plans and whether they would recommend them to other people with pets or not.
Conditions covered: If you want your French Spaniel covered for everything from broken bones to kidney disease, make sure you’re comparing apples to apples when shopping around for coverage. It’s tempting to just look at how much money each policy will pay if your dog becomes sick or injured, but that doesn’t tell the whole story.
Reimbursement rate: This is the percentage of your veterinary bill that the insurance company will pay after submitting a claim and qualifying for reimbursement. You want to be sure that this percentage is high enough to cover all of your expenses — otherwise, it won’t be worth buying pet insurance.
Coverage amount: This is the maximum amount of money that the insurance company will pay out per policy year (usually one year), regardless of how many claims you submit. If you have multiple pets, it is essential to ensure that this coverage limit is high enough to cover all of their medical costs if they need treatment during their lifetime.
Deductible: A deductible means that you must pay some portion of each claim before the insurance company pays anything toward that claim. The higher your deductible is, the lower your monthly premiums will be — but it also means you could end up paying more out-of-pocket for each claim if your pet has multiple visits per year or has expensive treatment needs
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