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Best Welsh Terrier Pet Insurance of 2022

Lisa Scott

If you have a Welsh 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.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

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.

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

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

Is pet insurance worth it for a Welsh Terrier?

Welsh Terriers are known for being energetic and curious. This means they can find themselves in some sticky situations. They might get into your trash, eat something they shouldn’t, or run away if they find an open door.

Medical treatment for your Welsh Terrier can become very expensive, especially if they encounter a more serious issue that requires invasive treatment. Medical bills for treating a sick Welsh 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 dog’s medical treatments and procedures, while you focus on your dog’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 Welsh Terrier

Typically, a Welsh Terrier has a longer lifespan than the average dog. You can expect your dog to live somewhere between 12 – 15 years. However, like all dog breeds, there are certain medical conditions that your dog could develop such as:

  • Gastric torsion: Also known as bloat, gastric torsion occurs when the stomach becomes distended and fills with gas. This can cause pressure on the other organs in the abdomen, restricting blood flow to them, which can cause death within hours if left untreated. 
  • Epilepsy: This is a neurological disorder that can affect any dog breed but is more common in a Welsh Terrier. Epilepsy can be controlled with medication. A dog with epilepsy will suffer from seizures, during which it may foam at the mouth and lose consciousness.
  • Hip dysplasia: This is an inherited condition in which the thighbone 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.
  • Von Willebrand’s disease: This is a blood-clotting disorder that can affect the Welsh Terrier. Affected dogs bleed profusely after trauma or surgery because their blood does not clot sufficiently. Dogs with this condition must be treated carefully during surgery and dental work
  • Parvo: Parvovirus is a highly contagious virus that can cause severe illness in dogs. It most commonly affects puppies, but dogs of any age can become infected. The virus is often fatal and spreads quickly, but fortunately, it’s easily prevented with vaccination.

What does pet insurance cover for a Welsh Terrier?

Pet insurance covers a range of diagnostics, treatments, and procedures for your dog. Depending on the pet insurance plan you get, you may be covered for injury-only, illness-only, or a combination of the two. Based on your plan, you are eligible for the following coverage:

  • Diagnostic and blood tests: If your Welsh Terrier starts acting off, you’ll want to have them checked out to determine what is wrong. Diagnostic and blood tests can help identify what is causing your dog’s symptoms. Pet insurance will cover these costs.
  • Hereditary and genetic conditions: A Welsh Terrier is prone to certain hereditary conditions such as distichiasis, hip dysplasia, and von Willebrand’s disease (vWD). These hereditary conditions can cost thousands of dollars to treat over a lifetime. Pet insurance will reimburse you for these expenses so you can focus on treating your pet rather than worrying about how you’ll pay the vet bills.
  • X-rays and surgeries:  If your Welsh Terrier is seriously hurt or needs surgery, you’ll be covered for a portion of the cost. Pet insurance plans can help pay for spaying or neutering, broken bones, cancer treatment, and more.
  • Medication and hospital stay: If your dog gets sick due to an accident or illness, pet insurance should kick in for things like medication, hospital stays, and other related expenses. Some plans will also cover alternative treatments (like acupuncture) for conditions like hip dysplasia and other injuries.

Pet insurance covers a range of treatments, but it does not cover preventative or wellness care. Regular check-ups with the veterinarian will not be covered under most pet insurance plans. For this type of coverage, you will need to take advantage of a separate wellness plan or see if the provider has any add-ons for wellness visits. Most providers usually do have it as an add-on.

Moreover, 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 much does pet insurance cost for a Welsh Terrier?

It’s a good idea to purchase pet insurance as soon as you get a new puppy. They’ll be covered from the start, no matter what health issues (unless there are exclusions) they may develop later on. And, since puppies are more prone to accidents and injuries, it’s also great for peace of mind.

The average monthly cost for pet insurance for a Welsh Terrier is $64.34, which comes out to $771.19 per year.

How are pet insurance premiums determined for a Welsh Terrier?

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

  • Age: Pet insurance companies typically offer discounts to cover pets when they’re young and healthy (for example, under six years old). This is due to the fact that older pets can more frequently develop health issues that require veterinary care. 
  • Location: If you live in an area where veterinary care is more expensive, your Welsh Terrier insurance rates will be higher.
  • Gender: Males are generally more expensive than females because they tend to be larger, heavier, and have higher claims for injuries or diseases related to their size.
  • Medical history: If your pet has a pre-existing condition or has previously required treatment for an illness or injury, you will likely be charged a higher premium. Insurance companies will usually not cover pets with pre-existing conditions.
  • Deductible: The amount you pay out of pocket before your insurance kicks in will directly affect how much you pay for premiums each month. The higher the deductible, the lower the premium and vice versa. 
  • Reimbursement rate: Some companies will allow you to choose between 80%, 90%, and 100% reimbursement rates. You’ll pay a lower premium if you choose to cover less of the bill.
  • Coverage amount: This is the maximum amount that the pet insurance company will pay out per incident and per year. Higher coverage amounts mean more expensive monthly payments. However, it also means that a single illness won’t wipe out your lifetime coverage for your dog, and you won’t have to pay out as much in pocket. 

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

There are many pet insurance options available for a Welsh 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: 

  • Budget: Your budget is the first thing you need to consider when researching pet insurance plans. You’ll want to make sure you get a policy that fits comfortably into your monthly budget. 
  • Customer feedback: Ask for references. Your veterinarian and friends who have pet insurance can help you find policies that offer good coverage at a reasonable price.
  • Conditions covered: Pet insurance covers a variety of medical expenses such as treatments for injuries, illnesses, and even preventive care costs like vaccinations and routine checkups. However, there are limits and exclusions that vary by plan, so it’s important to read the fine print carefully before signing up for a plan to make sure it’s a good fit for your pet’s needs.
  • Reimbursement rate: How much you’ll be reimbursed for a claim depends on the percentage (or level) of reimbursement you choose. Some pet insurance plans may also cover additional expenses associated with treating your pet’s condition, like travel costs if you need to see a specialist.
  • Coverage amount: When choosing pet insurance, you should first decide how much coverage you want to have. This decision will influence the cost of the plan. Many insurers allow you to choose from several coverage options. 
  • Deductible: If you have a policy with a high deductible and low coverage amounts, it might not cover many of your pet’s expenses. But if you have a policy with high coverage amounts and low deductibles, it might be pricier. The best plan to choose will depend on your pet’s risks and needs as well as your budget.