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Best Scottish Terrier Pet Insurance of 2024

Lisa Scott

Like all breeds and pets, Scottish terriers can face many health issues that can be expensive and stressful to deal with throughout their lives. This is where pet insurance comes in. Insurance can help reduce the financial stress of unexpected vet bills and give you peace of mind that your dog can get access to the care they need when it matters most. 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 Scottish Terrier?

I’d say that pet insurance is worth it for anyone with a Scottish Terrier or any dog. Like me, your dog is a part of your family. Just like when they’re human members of the family get sick or have an accident, you want to be able to care for them the best that you can when they’re in need. If you don’t have pet insurance, you might not be able to do that because veterinary bills can be so expensive.

Another benefit to having pet insurance is choosing the right vet for your Scottish Terrier. If you have pet insurance, money won’t come between you and the best vet for your dog. You won’t have to worry about how much the vet visits will cost–you’ll just know that your pet insurance company will cover most of it.

Pet insurance also gives you peace of mind if your Scottish Terrier needs surgery or has a terrible accident. Because veterinary costs are so high, especially for complicated procedures like surgeries and accidents, most people don’t have enough cash to cover those costs without financial help. Pet insurance could save the day if something terrible happens to your Scottish Terrier. 

Common health conditions for a Scottish Terrier

Scottish Terriers are one of the hardier breeds, but they are not immune to certain conditions when it comes to health. Some of these conditions may be detected before the puppy is sold by the breeder, while others may not show up until your dog has gotten older. The following information gives you an overview of what you need to consider when it comes to health issues in Scottish Terriers:

  • Terrier cramp: A neuromuscular condition that causes involuntary muscle tremors and can result in paralysis. It usually arises in young dogs, but it has also been seen in older Scottish Terriers. Symptoms manifest as a sudden loss of muscle tone, often after exercise or excitement.
  • Scottie cramp: This is another neuromuscular disease that affects only Scottish Terriers. It can cause the dog to fall over or be unable to move its legs. The dog will eventually recover from these episodes, but the condition worsens with age.
  • Cushing’s disease: This condition is caused by a pituitary gland or adrenal gland tumour. Common symptoms include increased thirst and urination, lethargy, and increased appetite. Treatment depends on the underlying cause of Cushing’s Disease and may require surgery or medication to remove the tumor.
  • Cataracts: A cataract is a clouding of the lens in one or both eyes that can cause vision problems. Cataracts can be hereditary, congenital, or caused by trauma or disease. They can occur at any age and may cause blindness if left untreated.
  • Progressive Retinal Atrophy (PRA): This degenerative disorder causes gradual blindness by affecting the retina. It is more common in older dogs but can be passed down from parents to pups through their DNA.
  •  Hemophilia: This condition causes excessive bleeding and bruising because of a deficiency in one or more clotting factors. It can lead to joint problems and swelling because of internal bleeding into the joints. There is no treatment for hemophilia, but it can be managed by limiting stress on the joints and preventing injuries.

What does pet insurance cover for a Scottish Terrier?

Let’s take a look at what pet insurance covers for your Scottish Terrier:

  • Accidents: If you have an accident-only plan, you’ll be covered for many injuries and illnesses, but only accidental ones. These include getting hit by a car, swallowing objects, or eating something toxic. Illnesses like cancer or skin problems won’t be covered.
  • Illness: If your plan covers illness and accidents, you’ll get coverage for chronic conditions that develop over time, such as allergies and arthritis. However, hereditary or congenital conditions (meaning ones that your dog was born with) won’t be covered.
  • Routine care: Many insurers also offer wellness plans that cover routine visits to the vet, such as annual exams, vaccinations, and flea and tick treatments. Some companies sell these separately, while others bundle them with accident and illness plans.

How are pet insurance premiums determined for a Scottish Terrier?

The cost of pet insurance depends on several factors. It is essential to consider the following things before insuring your dog:

  • Location: Insurance rates vary by state but also by zip code. If you live in a highly-populated area with a lot of traffic, it might cost more to insure your dog than if you lived in a more rural area without much traffic.
  • Age: The younger your pet is, the cheaper the insurance will be. Of course, it’s also less likely that you’ll need to claim for an injury or illness. It can be a tough decision to get your pet insured at a young age. But if you do, your premiums will stay low as your pet gets older, and you won’t have to worry about being denied coverage if your pet develops a pre-existing condition.
  • Deductible:  Deductible is the amount you pay out of pocket annually in addition to your monthly premium before the insurance company begins to cover vet expenses. The higher the deductible, the lower your monthly premium.
  • Gender: Male dogs have a higher risk of developing prostate cancer and are more likely to be diagnosed with hip dysplasia than female dogs. Hence, male dogs are more expensive to insure.

How to choose the best pet insurance plan for a Scottish Terrier

If you’re thinking about getting pet insurance for your Scottie, here’s what you need to know before you start:

  • Check out the company’s reputation: If you’re searching for the best pet insurance policy, it’s always good to do some background research into the company you’re considering. You can check sites like the Better Business Bureau to see if there have been any complaints about the company you’re looking into.
  • Consider your budget: it’s important not to overextend yourself financially to pay for coverage. If you can’t afford both your monthly premiums and your other obligations, you could find yourself in even worse financial trouble than if you didn’t have pet insurance.
  • Consider pre-existing conditions: If you get a pet insurance policy while your Scottie is still young, you will likely be able to avoid any issues with pre-existing conditions. Some insurers won’t cover pets who have been diagnosed with particular conditions, like diabetes or bladder stones, which are common among Scottish Terriers. 
  • Define your needs: Once you’ve considered any medical issues your Scottish Terrier may have, it’s time to define your coverage needs and budget. Some policies offer optional “riders,” or add-ons that help cover specific expenses like dental cleanings and preventative care visits. 

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