Pit Bulls are generally health pets, but they’re also prone to certain diseases. Pet insurance can help you cover medical emergencies for your pet. 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
If your pup does get sick or injured, though, insurance comes in handy. It helps pay for those unanticipated medical bills that can quickly add up to thousands of dollars.
With most pet insurance policies, you’ll pay an annual deductible before the insurance company starts paying out on covered claims. After that point, the insurer typically pays 80 percent of the cost of covered claims. Your out-of-pocket expenses for routine and emergency care will be less than if you didn’t have insurance coverage.
Peace of mind. No matter how much you love your dog and how cautious you are, there’s always the chance they will get into an accident or become seriously ill. Pet insurance can help defray the cost of veterinary bills if your Pit bull becomes injured or sick.
Good investment. If you plan on keeping your Pit bull for ten years or more, then buying pet insurance is probably worth it. Most policies cover accidents and illnesses for the dog’s lifetime, so if your Pit gets sick once as an adult and then again when she’s a senior dog, your investment has already paid off. Plus, it covers hereditary conditions that your pup may have inherited from his parents, like hip dysplasia or eye problems (which are familiar with this breed).
Common health conditions for a Pit Bull
Pit Bulls are typically very healthy dogs, but they can suffer from health conditions common to their species like any other breed. Your Pit Bull’s breeder can identify most of the potential health issues that Pit Bulls face during puppyhood, and some conditions can be tested for before you ever bring a puppy home. Here are some of the most common health conditions affecting adult Pit Bulls:
Hip Dysplasia: This is a heritable condition where the thigh bone doesn’t fit snugly into the hip joint. Some dogs show pain and lameness on one or both rear legs, but you may not notice any signs of discomfort in a dog with hip dysplasia. As the dog ages, arthritis can develop. The Orthopedic Foundation does x-ray screening for hip dysplasia for Animals or the University of Pennsylvania Hip Improvement Program (PennHIP).
Knee Complications: Pit Bulls can develop knee problems, especially if they are overweight. This can lead to injuries such as a torn ACL (anterior cruciate ligament). These injuries usually require surgery for repair.
Allergies: Many Pit Bulls have allergies. They may be allergic to fleas or foods, and sometimes allergies can lead to rashes or skin infections.
Eye Problems: Unfortunately, many Pit Bulls have eye problems. Some are born blind or with an eye disease called cherry eye, which causes the glands in the eyes to become inflamed. Corneal ulcers and cataracts are also seen in many Pit Bulls.
What does pet insurance cover for a Pit Bull?
Pet insurance coverage for Pit bulls varies by provider, but most companies offer three types of policies:
Accidents: This is the most basic type of policy. It only covers treatments resulting from a sudden injury, such as a dog bite or getting hit by a car. It will not cover any illness, like cancer.
Illness: These policies cover any disease your pet develops, including cancer and diabetes. Some companies will also cover hereditary conditions that affect breeds like Pits.
Routine care: As the name implies, regular care coverage provides reimbursement for checkups and vaccinations. Some policies include emergency care.
How are pet insurance premiums determined for a Pit Bull?
The cost of your pet insurance premiums depends on a variety of factors:
Location: Where you live can affect the amount you pay in pet insurance premiums. The cost of veterinary care varies from region to region, so your premiums may be higher if you live in an area where veterinary care is more expensive.
Age: It’s more expensive to insure an older dog than a younger dog. If your dog has any pre-existing conditions, these may also be excluded from coverage; however, you can usually add riders for additional coverage at an extra cost.
Deductible: The deductible is the amount you must pay before Embrace reimburses you for covered veterinary expenses. The higher the deductible, the lower your monthly premium payment will be.
Gender: Gender also plays a role in determining the price of your pet insurance premium. In general, male dogs are less expensive to insure than female dogs because they have fewer accidents and illnesses that need treatment.
How to choose the best pet insurance plan for a Pit Bull
Choosing pet insurance can be challenging. It helps to know what you’re looking for, what you’re willing to pay for, and how to choose a plan that works for your needs. Selecting the best pet insurance starts with a clear understanding of what you want to be covered and what’s available from the different companies. There are several things to consider before choosing your pet insurance plan. They include:
Check out the company’s reputation: When you’re looking into pet insurance companies, make sure you select an insurer that has a history of being able to pay claims. You can do this by checking customer reviews and reading the company’s financial strength ratings. The last thing you want to do is file a claim and find out that your pet insurance company doesn’t have the money to pay it!
Consider your budget: The cost of your premium will depend on many factors, such as coverage limits, deductible, and reimbursement percentage. Premiums vary by policy type, so it’s essential to understand each policy category before deciding.
Consider pre-existing conditions: Insurance companies will not cover pre-existing conditions, even if they have been stable or in remission for years. Ensure that the policy won’t be affected by hip dysplasia or allergies. Additionally, Pre-existing conditions can be very costly to treat, and some companies won’t cover them at all. Make sure you know what your dog’s current health is like before purchasing a plan, so there are no surprises down the road.
Define your needs: What kind of pet do you have? Some pets require more medical attention than others. For example, larger dogs are prone to hip problems like hip dysplasia and orthopedic issues such as arthritis or torn ligaments in their legs or back. These breed-specific conditions could impact your choice of coverage as they may require specific treatment or surgery.
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.
