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Best Tibetan Mastiff Pet Insurance of 2024

Lisa Scott

The Tibetan Mastiff requires a lot of care and maintenance, so it is essential to keep them healthy by investing in pet insurance for your Tibetan Mastiff. Pet insurance will help cover costs related to illness and injury, which will save you money later down the road if your dog needs surgery or requires medication. 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 Tibetan Mastiff?

Many dog owners, especially those with purebred dogs, already know that they can spend hundreds or even thousands of dollars each year on their pets’ medical care. This is why some people are tempted to buy pet insurance. But is pet insurance worth it? Pet insurance policies pay for your dog’s medical treatment, including emergency surgery and prescription medication. Some plans also cover routine care, like vaccinations and heartworm tests.

Pet insurance can help you save money on necessary veterinary care. When your dog has a health problem and needs treatment, you won’t have to worry about how much it will cost because the insurance company will cover most of it.

Pet insurance provides peace of mind by covering unexpected veterinary bills resulting from accidents or illnesses like cancer or kidney disease. It’s also a great way to save money because an insurance policy is cheaper than paying out of pocket for expensive treatments like chemotherapy or surgery.

Common health conditions for a Tibetan Mastiff

Despite his size and appearance, the Tibetan Mastiff is relatively healthy with few known genetic health problems. However, all dogs have the potential to develop genetic health problems as all breeds are susceptible to some things more than others. Below you will find a brief description of the diseases and health problems affecting the Tibetan Mastiff:

  • Hip and Elbow Dysplasia: This is a common but preventable condition in dogs. It is a malformation of the hip joint that causes it to loosen and rub against itself, causing damage to the joint over time. Tibetan mastiffs are especially susceptible to these conditions, which will worsen over time if not treated. If you notice your Tibetan mastiff has trouble walking or running, limping, or favoring one side of her body over another, she may have hip or elbow dysplasia.
  • Autoimmune Thyroiditis: This disease causes inflammation of the thyroid gland, a butterfly-shaped organ in the neck that secretes hormones responsible for regulating metabolism and growth in dogs. The condition can also cause hypothyroidism, where the body doesn’t produce enough thyroid hormone.
  • Canine Inherited Demyelinating Neuropathy: This disease affects the nervous system of dogs, causing them to have difficulty walking when they are young. It is caused by a gene that affects the central nervous system of puppies. The symptoms first appear when puppies start to walk, but they may not be noticeable until they are older. In some cases, puppies may never show symptoms of this condition even though they may carry the genetic mutation.
  • Seizures: These are episodes where abnormal electrical activity in the brain causes involuntary muscle movement or behavior changes. The cause of attacks is idiopathic or caused by trauma or infection. Seizures are known to have a genetic component as well.
  •  Bloat: This condition occurs when a Tibetan Mastiff’s stomach fills with air and expands like a balloon. It’s excruciating and can be fatal if not treated in time.
  • Zinc-responsive dermatosis: Some Tibetan Mastiffs cannot absorb zinc properly through their digestive tract, so they suffer from skin problems and hair loss because of this condition. Zinc is required for skin health and hair growth, so it’s no wonder some dogs suffer from this condition when they don’t get enough zinc in their diets.

What does pet insurance cover for a Tibetan Mastiff?

There are a few different types of pet insurance out there, and policies vary from company to company, but here are some of the things to look for when choosing a policy:

  • Accidents: This is the essential coverage and covers unexpected accidents such as dog bites, broken legs, and wounds from car accidents.
  • Illness: this covers illnesses your dog might get. Cancer and skin conditions are two of the most significant claims filed by pet owners. Some policies also cover non-routine dental care, like cleaning and tooth removal.
  • Routine care: Some companies will cover annual check-ups, vaccines, and flea and tick treatments as part of their routine care options — but these policies tend to be more expensive than others.

How are pet insurance premiums determined for a Tibetan Mastiff?

Several factors determine pet insurance premiums. These include:

  • Location: Where you live can make a difference in your rate. Areas with higher incidences of illness and places with higher veterinarian costs typically pay more for pet insurance.
  • Age:  As your pet ages, they are more likely to develop medical conditions that increase the risk of a more significant claim. That results in higher premiums as they age.
  • Deductible:  The lower the deductible, the higher the monthly premium. Choose a plan that has a lower monthly premium to save money upfront.
  • Gender: Female pets are typically cheaper to insure than male pets because males are more likely to develop certain conditions, such as bladder stones.

How to choose the best pet insurance plan for a Tibetan Mastiff

If you’re considering pet insurance for your Tibetan Mastiff puppy, you’ll soon discover that there are many options out there. No two pet insurance plans are alike, and the level of coverage can vary significantly by company. To help you sort through them, here are four tips to consider when shopping for pet insurance:

  • Check out the company’s reputation: Ensure the insurer has a good reputation and positive reviews from customers. Look out for companies with complaints about delayed claims processing or denied claims. Also, consider asking for referrals from your veterinarian and other pet parents, or read online reviews to get an idea of how others feel about the company you’re considering.
  • Consider your budget: The cost of pet insurance will depend on the deductible and reimbursement percentage you choose. You’ll want to consider what you can afford to spend each month and how much you’d like to be reimbursed for each vet bill. Some companies may offer discounts if you have multiple pets and pay annually.
  • Consider pre-existing conditions: Some providers won’t cover pre-existing conditions, while others will offer coverage but won’t reimburse expensive medications or treatments that may be required to manage specific ailments. Find a plan that covers these expenses, especially if your pet is older and more likely to develop health issues as he ages.
  • Define your needs: Before you shop for a pet insurance plan, define what you’re looking for. What’s your budget? Do you want to be able to see any veterinarian you choose? Do you want coverage that lets you visit specialists? Are there any particular breeds or conditions your dog might have that should be covered in the future?

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