Best Soft Coated Wheaten Terrier Pet Insurance of 2022

Lisa Scott

If you have a Soft Coated Wheaten Terrier, 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. This will help you with finances, so you can provide your dog treatments when an accident or an illness occurs. To help you with this process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Extensive coverage to help keep your pet healthy


Coverage Up To


Reimbursement Rates


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 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 Paid Endorsement.

Short waiting periods on accidental coverage


Coverage Up To

70% - 100%

Reimbursement Rates


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

Affordable prices with a fast reimbursement process


Coverage Up To

70% - 90%

Reimbursement Rates


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

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


Coverage Up To


Reimbursement Rates


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 Soft Coated Wheaten Terrier?

Medical treatment for your Soft Coated Wheaten Terrier can become very expensive, especially if they encounter a more serious issue that requires invasive treatment. Medical bills for treating a sick Soft Coated Wheaten Terrier can quickly add up, costing up to a few thousand dollars. In these situations, you don’t want to be in the middle of a crisis and have to choose between your beloved dog and the affordability of their medical treatment.

To prepare for these unexpected circumstances, consider investing in pet insurance. It can help you afford your pet’s medical treatments and procedures, while you focus on your pet’s recovery.

Pet insurance can also provide peace of mind that your dog can be covered for the necessary treatments when it has an accident, injury, or illness. This includes (but is not limited to) broken bones, cancer treatment, harm caused by another animal, and prescriptions for chronic conditions. Therefore, pet insurance can be important and beneficial for your pet.

Common health conditions for a Soft Coated Wheaten Terrier

Typically, has a Soft Coated Wheaten Terrier longer lifespan than the average dog]. You can expect your pet to live somewhere between 12 – 15 years. However, like all dog breeds, a Soft Coated Wheaten Terrier is prone to several health conditions, including:

  • Protein-losing nephropathy (PLN): This can result in the loss of large amounts of blood proteins from the kidneys. This condition is thought to be inherited. The most common symptoms are poor growth, vomiting, diarrhoea, chronic weight loss, and abnormal fluid buildup. PLN is treated with a special diet and medication.
  • Protein-losing enteropathy (PLE): This condition causes digestive enzymes to leak into the abdominal cavity, leading to protein loss and malnutrition. PLE may be linked to an underlying autoimmune disease or inflammatory bowel disease. Symptoms include lethargy, diarrhoea, weight loss and poor growth rate. Treatment consists of a special diet and medication to suppress the immune system.
  • Addison’s disease: It is a chronic disease caused by the lack of cortisol in the body. Cortisol is a hormone that helps regulate blood pressure and metabolism. The most common cause of Addison’s disease is immune-mediated destruction of the adrenal gland over a long period. It can also be caused by cancerous or noncancerous tumours or trauma to the adrenal glands.

What does pet insurance cover for a Soft Coated Wheaten Terrier?

Pet insurance covers a range of diagnostics, treatments, and procedures for your dog. Based on your plan, your Soft Coated Wheaten Terrier can be eligible for:

  • Accidents: Any accident is covered by pet insurance. Some examples include getting hit by a car or breaking a bone. An accident can happen at any moment, so this can be one of most important to recieve coverage on.
  • Illness: Any illness, such as tooth decay or a urinary tract infection, is covered by pet insurance. This includes diabetes and cancer treatment too. Like accidents, health conditions can happen at any time.
  • Routine care: This coverage is optional with many pet insurance companies, but it’s important to consider if you want help paying for regular vet checkups and vaccinations.

Also, most insurance providers will not cover pre-existing conditions that were established before you registered your pet for coverage. Be sure to review everything your potential pet insurance plan covers and what types of pre-existing conditions they exclude to ensure your pet will be eligible for coverage.

How are pet insurance premiums determined for a Soft Coated Wheaten Terrier?

There are many factors that will determine the monthly premium rate for your Soft Coated Wheaten Terrier (included but not limited to):

  • Location: Your location can have an impact on your pet insurance premium rates since your dog may be more susceptible to certain health risks due to your location’s climate or weather conditions. For example, if you live in an area that is prone to tick bites or flea infestations, then be prepared to pay higher premiums.
  • Age:  The older your dog is, the more likely it will develop health problems that require veterinary care. For this reason, policies are typically more expensive for older pets than younger ones.
  • Deductible: Your deductible is the amount of money you must pay out of pocket before your insurance company begins paying on claims. Higher deductibles typically result in lower monthly premiums.
  • Gender: Male dogs are generally more adventurous and aggressive, so there premiums are higher then female dogs.

How to choose the best pet insurance plan for a Soft Coated Wheaten Terrier

There are many pet insurance options available for a Soft Coated Wheaten Terrier, so how do you choose the best one? Here are some key factors to keep in mind as you are deciding on the right plan:

  • Check out the company’s reputation: A great source are other pet owners and even your veterinarian. Also, the Better Business Bureau’s website can show you how pet insurance providers handle customer complaints.
  • Consider your budget:  The insurance cost varies depending on what coverage you choose, but there are plans for every price range. You’ll want to choose one that fits your family’s needs without straining your finances. Consider how much money you can set aside each month to pay for the monthly premium.
  • Consider pre-existing conditions: Some plans cover pre-existing issues, while others do not. If you have a dog with a health condition, it may be difficult to find a plan covering your pet’s current illness, injury or accident.
  • Define your needs: Define what types of treatments and procedures you want covered. You could opt for a plan that covers everything (a comprehensive plan) or only accidents.