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.
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
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.
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.
Affordable prices with a fast reimbursement process
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
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.
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