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Best Staffordshire Bull Terrier Pet Insurance of 2022

Lisa Scott

If you have a Staffordshire Bull 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 veterinarian bills. 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

$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.

Short waiting periods on accidental coverage

Unlimited

Coverage Up To

70% - 100%

Reimbursement Rates

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

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

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 Staffordshire Bull Terrier?

Staffordshire Bull Terrier dogs are one of the most popular breeds, and they’re prone to several health conditions and can be particularly accident-prone. Even if your dog is healthy now, it doesn’t mean they’ll stay that way. All dogs are at risk of developing illnesses or having accidents as they age.

Medical treatment for your Staffordshire Bull Terrier can become very expensive, especially if they encounter a more serious issue that requires invasive treatment. Medical bills for treating a sick Staffordshire Bull 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 pet and the affordability of their medical treatment.

To prepare for these unexpected circumstances, consider investing in pet insurance. It can help you afford your dog’s medical treatments and procedures, while you focus on your dog’s recovery. Pet insurance can also provide peace of mind that your pet 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 Staffordshire Bull Terrier

Typically, a Staffordshire Bull Terrier has an average lifespan. You can expect your dog to live somewhere between 12 – 14 years. However, like all dog breeds, there are certain medical conditions that your pet could develop such as:

  • Hip dysplasia: This condition is hereditary but can also be exacerbated by obesity. Affected dogs may have difficulty standing up or moving and may experience pain and discomfort as the condition worsens over time. If you suspect your dog has symptoms of hip dysplasia, it’s important to get them checked out by a vet.
  • Cataracts: This involves an opacity in the eye’s lens, which causes blurry vision or even blindness. While cataracts are usually associated with aging, they can also occur in younger dogs and can be inherited genetically. There is currently no treatment for cataracts other than surgery, so it’s best to discuss your options with your vet if your dog develops this condition.
  • Patella luxation: Patella luxation means your dog’s kneecap slides out of place, which causes your dog pain and lameness in their leg. This is a common health problem in small dogs. It can be caused by injury or abnormal bone structure. It may require surgery to fix it in some cases, but many dogs lead normal lives with this condition.
  • Heart murmurs: This condition is common in puppies because they’re still growing, and their hearts are becoming more mature. However, certain breeds are more prone to heart disease than others, so if you notice a heart murmur in your puppy after six months old, they should be checked for heart disease immediately by your veterinarian.
  • Allergies: A Staffordshire Bull Terrier can develop allergies to certain foods and ingredients. These can lead to itchy skin, ear infections, and other problems.
  • Lymphoma: This is a cancer of the lymphatic system, and your dog may show symptoms such as loss of appetite, weight loss, enlarged lymph nodes, or seizures.

What does pet insurance cover for a Staffordshire Bull Terrier?

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

  • Accidents: This is the most basic form of coverage on any pet insurance policy. It pays for the treatment of injuries or illnesses that result from an accident. Some policies only pay for accidents and nothing else.
  • Illness: This is insurance for non-accidental conditions like kidney disease or cancer. It’s sometimes sold as a separate rider to an accident-only policy.
  • Routine care: This covers annual exams or vaccinations, which are generally not covered by an accident or illness policy. Routine care is usually sold as an add-on to your standard pet insurance plan, or it may be included in some comprehensive policies.

In addition, 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 Staffordshire Bull Terrier?

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

  • Location: If you live in an area that is more likely to be affected by natural disasters such as earthquakes, floods, or cyclones, you will likely pay more for your insurance. The insurance company may have to pay out more claims in these areas, so they increase the premium to cover the additional cost. Also, if veterinarian costs are high in your location (usually cities), you can expect to pay a higher premium.
  • Age: You can expect to pay more for an older dog as they will have more health problems.
  • Deductible: The deductible is the amount you pay towards each claim before the insurer pays the rest. The higher your deductible, the lower your monthly premiums. If you’re prepared to pay more towards each claim, you can reduce what you pay every month for pet insurance. 
  • Gender: Female Staffordshire Bull Terriers tend to be less expensive to insure than males because they have lower rates of certain genetic disorders and tend to be less aggressive, so they get in less fights.

How to choose the best pet insurance plan for a Staffordshire Bull Terrier

There are many pet insurance options available for a Staffordshire Bull 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: It’s all well and good if you find a policy that covers everything you need, but it’s no good if the company that provides it has a bad reputation and doesn’t pay up when you make a claim. You can talk to your veterinarian or other pet owners to get more feedback on providers.
  • Consider your budget: Before choosing a plan, think about how much money you are willing to spend on your dog’s medical care each month, so you can make sure you choose an option that fits within your budget.
  • Consider pre-existing conditions: These are conditions already present when you enroll your dog in a plan. Most plans won’t cover them, but some will offer limited coverage if your dog’s condition is stable and under control with medication. 
  • Define your needs: It’s also important to think about what kind of coverage would be best for your dog based on their lifestyle. This way, you can compare quotes across insurers to find the right plan for your particular dog.