Best Maltese Pet Insurance of 2022

Lisa Scott

Friendly and gentle, the Maltese dog is a loving and loyal pet, but they are prone to various diseases. Keep your dog happy and healthy for years to come by with pet insurance to cover unexpected vet bills. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

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

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

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.

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.

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

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

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 Maltese? 

We all want our pets to stay healthy and safe, but accidents and illnesses can happen without warning. It can be a stressful and emotional experience and without the right support, your dog may have difficulty recovering.

In addition, as a pure breed, the Maltese dog can be prone to genetic health issues that come up throughout its life. Serious health issues may require visits to the vet that can quickly become a financial burden. As a pet parent, it’s important to be prepared for the unexpected.

Pet insurance can help alleviate the emotional and financial burden of having a sick or injured dog. It’s times like these, where having a financial safety net can help you focus on your dog’s recovery. 

Common health conditions for a Maltese

Here are some common health issues your Maltese dog can experience:

  • Progressive retinal atrophy: A slow degenerative eye disorder that can result in blindness, it may be a good idea to do a yearly check-up with a veterinary ophthalmologist. 
  • Hypoglycemia: Caused by low blood sugar, your vet can help you with prevention and treatment options. 
  • Tracheal collapse: This occurs when the windpipe collapses, making it difficult for the dog to breathe. It is one of the most common respiratory ailments in small dogs and is often treated with medications that reduce inflammation and help support the trachea.
  • Luxating patellas: The kneecaps of some Maltese dogs slip out of place, which can cause lameness in the leg or an abnormal gait. This is especially common among smaller dogs, including Maltese, and may require fixing surgery.
  • Canine distemper: It is a highly contagious viral disease that affects dogs’ respiratory and nervous systems. It is often fatal, especially if not treated early. Early symptoms include runny eyes and nose, coughing, lethargy, fever, and lack of appetite. Early vaccination will help prevent it. Dogs with canine distemper should be kept away from other dogs until they have been vaccinated.
  • Canine hepatitis: It is a virus that affects dogs’ liver, kidneys, and eyes. It spreads through contact with infected urine or feces. It can cause acute liver failure in young dogs and chronic liver problems in older dogs. If your dog has hepatitis, its eyes may become inflamed or cloudy. It may also develop jaundice (yellowing of the skin).

What does pet insurance cover for a Maltese? 

Pet insurance covers a range of diagnostics, procedures, and treatments for your Maltese dog. Based on your plan, you are eligible for the following coverage:

  • Tests and diagnostics:  Pet insurance can provide coverage for treatments and diagnostics such as x-rays, ultrasounds, MRI scans, blood tests, CT scans, and urinalysis. This can help determine the course of treatment for your dog.
  • Accidents and illness: Sickness and injuries happen. Your policy can help cover unexpected costs if your dog needs medical attention and reimburse you for the cost of treatment.
  • Alternative treatments: Depending on your coverage, many insurance providers include alternative therapies that can help your dog recover from a health issue. Some of these can include acupuncture, hydrotherapy, homeopathy, naturopathy, and chiropractic treatments.  
  • Surgery and hospitalization: If your dog requires surgery or needs to stay overnight at a hospital, pet insurance can help cover these costs.  

While pet insurance can cover you for a range of different treatments and medical issues, many policies will have exclusions. Some exclusions can include cosmetic treatment, pre-existing medical conditions, pregnancy or birth, grooming services, and death. 

How are pet insurance premiums determined for a Maltese? 

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

  • Location: The average cost of pet insurance varies by location. If you live in an area where veterinary treatment is expensive, your premium will be higher than a similar policy in a place where veterinary care is cheaper. 
  • Deductible: This is the amount you pay out of pocket before your pet insurance plan covers a claim. The higher the deductible, the lower your monthly premium will be.
  • Coverage: Your coverage will differ depending on the type of policy you take out. Policy types include accident-only, accident and illness, and wellness coverage. As accident-only typically has more restricted coverage, this will be reflected in cheaper insurance premiums.
  • Breed: As a purebred, the Maltese dog will be prone to genetic health conditions that get passed down from the parents. This can increase the cost of the premium. 
  • Age: This is a significant factor in determining your insurance premium. As your dog gets older, it will be more likely to develop health conditions and potentially have longer recovery periods. This can increase your premium and some insurers may refuse to insure your dog. 
  • Gender: Female Maltese are often cheaper to insure than male ones. This is because males are more likely to be involved in fights, accidents, and other incidents that may lead to insurance claims.
  • Pre-existing conditions: If your dog has a pre-existing condition, this is likely to increase your policy premium. In some cases, the insurers may not provide coverage.
  • Policy payment: Choosing to pay annually instead of monthly can reduce your policy premium. 

In addition, many insurers have policy add-ons for dental coverage, behavioral therapy, and routine check-ups. These can help cover additional medical expenses for your dog.

How to choose the best pet insurance plan for a Maltese

Here are some of the key factors to keep in mind as you search for a plan:   

  • Consider the health of your dog: As the Maltese dog is purebred, it’s best to be mindful of breed-specific conditions that can arise and search for policies that provide adequate and affordable coverage. 
  • Waiting period: The majority of pet insurance policies have waiting periods where the effective date of the policy is a specified number for days after the start date of the policy. During this period, if you submit a claim, you are unlikely to be covered for your veterinary costs. Be mindful to read the small print before you take out a policy to avoid any surprises later on. 
  • Consider enrolling your dog while they are young: Younger dogs are likely to have lower and more affordable monthly premiums. As dogs get older it can become challenging to change providers as many insurers will not cover pre-existing medical conditions. To avoid changing insurers later on which can cause premiums to rise significantly, think about enrolling your dog into an insurance plan for the long-term while they are still young. 
  • Consider your budget: Make sure you can afford the premium each month. It’s especially important to make sure you can afford your premium if you choose a plan with a higher deductible. That way, if an emergency arises, you won’t be scrambling for cash to pay your bill.
  • Check out the company’s reputation: It may be more critical now than ever before to check out a company’s reputation. With so many new pet insurance companies popping up all over the place, it’s critical to do your research before purchasing a policy.
  • Consider pre-existing conditions: When choosing a plan, be aware that pet insurance providers may not cover pre-existing conditions. What constitutes a pre-existing condition can vary from provider to provider and policy to policy.
  • Define your needs: Think about the type of coverage you would need for your pet. Also, look into whether the insurance company has a cap on annual payouts, as some do. That limit could change how much you receive each year if your pet is diagnosed with a chronic condition such as diabetes.