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Best Lhasa Apso Pet Insurance of 2022

Lisa Scott

If you have a Lhasa Apso, chances are they’ve already become a loved member of your family. Keep them healthy and safe by considering quality pet insurance for expensive vet bills. 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 a Lhasa Apso?

Lhasa Apso is a playful, active, small dog breed that is intelligent and observant. They are also highly adaptable to new environments and conditions. However, Lhasa Apso dogs are prone to various diseases.

Some of these conditions include the eyelids folding inward and scratching against the corneas, which is common in this breed. It can lead to blindness without proper treatment. Cherry eye, which causes the gland in the third eyelid to pop out, is also common in these dogs. These conditions require surgery to correct and may recur if the dog inherits them from both parents.

These treatments could cost thousands of dollars from expensive vet bills and potentially cause you financial distress. If you’re looking for peace of mind that your dog will be covered in case of an injury or illness, then pet insurance can be a great option. 

Common health conditions for a Lhasa Apso

Some of the health conditions most commonly seen in Lhasa Apso are:

  • Epilepsy: This is a neurological disorder characterized by seizures. While the cause isn’t clear, epilepsy is thought to be hereditary in a Lhasa Apso. Seizures can be mild or severe and life-threatening, depending on the type of seizure. Medication can control some seizures, but surgery may help others.
  • Eye disorders: Some eye disorders seen in a Lhasa Apso include progressive retinal atrophy (PRA). 
  • Cataracts: This is a condition where the dog experiences a clouding of the lens in the eye.
  • Hip Dysplasia: This is a hereditary malformation of the hip socket that can cause lameness or arthritis in older dogs, but most dogs lead comfortable lives with this condition.
  • Allergies: Lhasa Apso are very sensitive to environmental allergens such as dust and pollen. They can have just as much trouble with seasonal allergies as people do. Some of the signs that your dog is suffering from an allergic reaction include sneezing, itchy skin, watery eyes, red eyes, or a runny nose.

What does pet insurance cover for a Lhasa Apso?

Here’s what pet insurance generally covers:

  • Accident-only policy: This covers injuries, including bites and falls, but not illnesses such as cancer or diabetes.
  • Wellness policy: This covers annual exams and vaccinations, flea control, and heartworm prevention.
  • Accident and illness: This policy covers the treatment costs for your pet if they get injured or sick. This can include anything from a broken bone to cancer treatment, and it covers all related medical care, even emergency visits.

Just keep to note that pre-existing conditions are generally not covered by pet insurance companies. This means if your pet has a health issue prior to enrolling, it may not be covered.

How are pet insurance premiums determined for a Lhasa Apso?

Here are the factors that affect insurance premiums:

  • Age: Lhasa Apso dogs under the age of 5 are more likely to be accepted for insurance. They also cost less to insure than older dogs. The reason is older dogs tend to get more sick then younger dogs, so it will cost more in medical bills. Your premiums will be higher for an older pet.
  • Neutering: Neutered dogs are less likely to have a problem with aggression, and therefore insurers consider them less risky to insure.
  • Health of your pet: The healthier your dog, the cheaper your insurance premium will be. However, if you already know that they suffer from a particular condition or illness, most insurers will exclude this medical condition from your coverage. 
  • Gender: Males are more likely to engage in behavior that could lead to accidents, like roaming or fighting with other animals. Therefore, male have higher insurance premiums.
  • Location: Depending on where you live, your dog’s risks can vary greatly. If you live in a very urban area, there are more chances for accidents or illnesses than if you live out in a rural area. Furthermore, if your area has high veterinarian costs, that will be reflected in a higher insurance premium.

How to choose the best pet insurance plan for a Lhasa Apso

Here are some tips on how to choose the best pet insurance plan for your Lhasa Apso:

  • Know your needs: You can choose from several levels of coverage, so make sure you know what you want before you start looking at different policies. Some are more comprehensive than others, and some might cover more than others, so try to find one that fits your needs.
  • Pre-existing conditions: Most pet insurance plans won’t cover pre-existing conditions, which means any illness or injury your pet had before enrolling in a plan will not be covered. This is a common exclusion in pet health insurance plans, so make sure to read the fine print carefully and ask questions before signing up.
  • Check out the company’s reputation: Speak with others and look for reviews on the pet insurance company to see how they treat pet owners.