FROM OUR PARTNERS

Best Peterbald Pet Insurance of 2024

Lisa Scott

Peterbalds’ can be prone to digestive issues, and susceptible to injury. Pet insurance can help you cover unexpected expenses. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

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.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

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

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

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

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement

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

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

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
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Is pet insurance worth it for a Peterbald?

If you have a Peterbald, you know the joys of sharing your life with such a special cat. You probably also know that the price of keeping her healthy can get expensive.

Although Peterbalds are generally healthy cats, they’re prone to several genetic conditions like joint problems and kidney disease. If your cat needs care for any of these conditions, or anything else, it’s nice to have a way to help cover the costs of treatment.

That’s where pet insurance comes in. Pet insurance helps you care for your cat by reimbursing you for some or all of the cost of veterinary bills when she’s sick or injured.

Pet insurance can be an excellent investment. Faced with a pet emergency, it can save you thousands of dollars that you would otherwise have to pay out of pocket for your cat’s medical bills. And the insurance will cover many routine procedures, such as annual physical exams and immunizations.

Pet insurance is designed to help ease the financial burden of unexpected veterinary costs, like if your cat breaks a leg or is hospitalized for digestive issues. As a pet parent, you’ll have peace of mind knowing that most of your pet’s medical care will be covered by insurance.

Common health conditions for a Peterbald

The following health conditions have been known to affect the Peterbald:

  • Hypertrophic cardiomyopathy (HCM): HCM is one of the most common diseases affecting cats and can be found in all breeds. It is a condition where the heart muscle thickens (hypertrophies), making it harder for the heart to efficiently pump blood around the body. It makes the endocardium (the inner lining of the heart chambers) thicken, making it more difficult for the blood to pass into the heart’s ventricles. 
  • Poor dentition occurs when the teeth do not develop properly, often resulting in crooked and missing teeth. Dental hygiene should be maintained by brushing the teeth regularly and feeding dry food to help keep the teeth free from plaque. Teeth may need to be removed if they become loose or infected or if the gums become diseased.
  • Feline ectodermal dysplasia: This condition affects the development of hair follicles and causes abnormal hair growth, nail development, tooth abnormalities, and eye problems. It is important to note that it is not contagious and cannot be transmitted from one cat to another. The condition is inherited, meaning it will only be shown in kittens that have both parents who are carriers of the gene for this condition.
  • Sunburn: One of the most notable characteristics of the Peterbald is his short or even bald coat. This makes him susceptible to sunburn and skin cancer, especially in climates with heavy sunlight. It’s essential to limit your cat’s exposure to direct sunlight to prevent sunburn or skin cancer. If you do notice signs of sunburn or skin cancer in your cat, contact your vet as soon as possible.

What does pet insurance cover for a Peterbald?

It’s important to know what’s covered before buying pet insurance to find the right plan for your pet. While every plan is different, here are the general categories of what pet insurance covers:

  • Accidents: You’ll be reimbursed for costs incurred by an unexpected illness or injury with accident coverage. Accidents include broken bones, cuts, and wounds. Poisoning and heat stroke are also considered accidents.
  • Illness: With illness coverage, you’ll be reimbursed for expenses related to unexpected sickness. Covered illnesses include cancer, diabetes, allergies, and infections.
  • Routine care: Routine care covers visits for wellness exams, teeth cleaning, vaccinations, and blood tests. Routine care is only available as an add-on to the accident and illness policies.

How are pet insurance premiums determined for a Peterbald?

When calculating your pet’s premium, insurers consider these factors:

  • Location: The amount you pay for coverage may be higher in urban areas because veterinarians are more expensive, and more animals live in close quarters. In addition, pets living near water may face additional risks.
  • Age: The older your pet is, the more difficult it may be to get coverage or the higher the premium may be.
  • Deductible: A deductible is an amount of money you have to pay each year before your insurance plan starts to pay. A higher deductible will lower your premiums, while a lower deductible will raise them.
  • Gender: Some companies charge a higher premium for male pets because they have more frequent accidents and illnesses than female pets.

How to choose the best pet insurance plan for a Peterbald

It would help if you chose a plan that fits your needs and budget. It’s essential to have a clear understanding of what’s available and what makes each plan different. If you do not know where to start, we recommend focusing on these factors:

  • Check out the company’s reputation: Insurance companies have different reputations among customers. Look at customer reviews on websites like Yelp, Google, or Angie’s List to see what people say about their experiences with the company. You can also read reviews on consumer advocacy websites like Consumer Reports, which has an entire section dedicated to pet insurance reviews.
  • Consider your budget: You’ll want to make sure you can afford the premiums while also paying for food and other necessities. When looking at different plans, consider what you can afford and how much you would like to spend when submitting claims. For example, if you’d prefer to pay less each month in premiums but more out-of-pocket when submitting claims, choose a high deductible plan with lower reimbursement percentages.
  • Consider pre-existing conditions: Some pet insurance companies won’t provide coverage for certain pre-existing conditions that your oriental may have had before you purchased their plan. Before purchasing a plan, you must know what these conditions are so you don’t get stuck with a massive bill because treatment wasn’t covered due to a pre-existing condition.
  • Define your needs: Pet insurance is a tool for you to use to manage your pet’s health care needs. Before choosing a plan, consider what your pet’s needs are now and maybe future. For example, if your dog is healthy and young, you may not need a policy covering accidents and illnesses. However, if your cat has a chronic illness such as diabetes or kidney disease, it may make sense to purchase a policy covering both accidents and illnesses.

Ultimate Guide to Keep Your Pet Happy and Healthy
Learn how to provide the best care for your furry friend with practical tips and expert advice in this FREE comprehensive e-book.
GET THE EBOOK