Making Sure You’re Covered For Everything Can Be Tricky
There are no pet insurance plans that cover pre-existing conditions. If your pet gets sick or hurt before you sign up for a pet insurance plan, you wont be able to be reimbursed for the treatment of that particular illness or injury. However, there are plans that will cover pre-existing conditions if they’re curable and a certain waiting period has passed without symptom recurrence.
If you sign up for an “accident-only” plan, you wont be covered if your pet needs treatment for an illness. Nor will you receive reimbursements from your insurance company for routine care unless you sign up for a “wellness plan” add-on.
That said, most pet insurance plans do have a wide net of coverage. Just be aware of what type of plan youre getting and what conditions it covers before you sign up.
Remember that free tool I mentioned that solves the problem of finding the best pet insurance for your unique pet, regardless of the provider? Well, it’s a big help in ensuring you find a plan that covers your speific breed-risks and conditions too. I’ll talk more about it below, but, if you’d rather not wait, it’s called Pawlicy Advisor. It’s the best tool for comparing and buying pet insurance.
Who Has The Best Pet Insurance For French Bulldogs
My Dog Fluffy has been insured by two different insurance companies.
The first company has a higher premium, but I didnt have any accidents or health problems during the policy.
The second company was cheaper, but I had an accident and needed to use the insurance at one point, which was very expensive.
All 10 of the companies that were mentioned in the article were perfect choices for French bulldogs.
What Sets Them Apart
While getting high marks for satisfaction and value, their average premium costs are on the low end of companies included here. Exam fees and prescriptions are covered, and you can purchase additional coverage for wellness care. They cover hereditary and congenital conditions, although note that there is a longer wait period before coverage kicks in for certain orthopedic conditions .
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How To Get Lower Rates
You can save on pet insurance by enrolling when your pets are still young, as your monthly premiums are guaranteed to be lower. Some pet insurance providers will also give you a discount on your bill if you agree to make annual payments instead of monthly payments. Others offer discounts if you insure multiple pets under the same provider.
Another way to keep your premiums low is to select a higher deductible, but keep in mind that youll have to reach that deductible by paying out-of-pocket before your insurance plan begins to reimburse your veterinary costs.
Similarly, you can keep costs down if you select a lower reimbursement rate or a lower coverage limit, but this will limit the amount you receive from your insurer if your pet gets seriously ill or injured.
Cost Of Pet Insurance
There are a number of factors that impact the cost of pet insurance. Here are some of the biggest factors:
- Type of pet: The type of animal you have will affect the cost of your insurance. Typically, its slightly cheaper to insure cats than dogs.
- Pet breeds: Insurance companies will consider your pets breed when calculating your rate, because certain animal breeds are more likely to experience health issues.
- Number of pets: Insuring multiple pets will be more expensive, but many insurance companies offer a discount for adding more than one pet to your policy.
- Type of coverage: Certain pet insurance policies are more expensive than others. For instance, an accident and illness policy is going to be more expensive than an accident-only policy, simply because it offers more coverage.
- Amount of coverage: The higher your annual coverage limit is, the more expensive your policy will be. An unlimited coverage policy is usually the most expensive option you can buy.
- Deductible: Choosing a higher deductible will lower your monthly rate, and vice versa. If you want affordable coverage, opting for a high deductible might be a good option if you can afford the out-of-pocket cost.
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What Doesnt Pet Insurance Cover
Pet insurance policies vary, but most wont pay out for routine veterinary care and non-essential treatment. Most types of pet insurance will exclude:
- Treatment forpre-existing conditions injuries and illnesses your pet was already suffering from when you took out the policy.
- Vaccinations and boosters.
- Neutering or spaying your pet and other preventative treatments.
- Routine medical treatment like annual check-ups, worming and flea treatments, for example.
- Routine dental care and dental treatment resulting from illness.
- Putting your pet to sleep and other costs related to euthanasia, cremation or burial.
- Cosmetic treatments or any other medical treatment not recommended by a vet.
- Any condition that could have been prevented by routine vaccinations.
- Pregnancy care, so always check first if you plan on breeding your pet.
- Any international costs, say if you take your pet abroad and they need vet treatment. Overseas cover can often be added on to your policy though.
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What Are The Terms Of Your Coverage
Some pet insurance companies have certain requirements to satisfy the coverage rules. Most of the time, this is related to your pets health. Often, if your pet is over a certain age, youll be required to schedule an appointment with your local vet to rule out any pre-existing conditions.
There may also be a waiting period before the policy kicks in . Finally, some pet insurance companies will not insure pets over a certain age, since they are more likely to have claims. The bottom line? Read the fine print of your policy.
Best Affordable Pet Insurance: Progressive
- Coverage Types: Accident, illness, wellness
- Starting Price: $6 to $9 per month
- Deductible: $50 to $1,000
Progressives pet insurance policies start at just $6 per month and there are multiple discounts available, making it one of the best affordable providers on our list.
Easy to get a quote online
24/7 Pet Helpline
Unlimited annual coverage limit option
Progressive doesnt underwrite its own policies
Progressive sells pet insurance through Pets Best, one of the leading pet insurance providers. There are four insurance plans available that cover accidents and illnesses, accidents only, and routine care. There is a two-day waiting period to use your coverage for accidents and 14 days for illnesses.
The BestBenefit Plan is the accident and injury plan, which covers the following:
The Accident-Only Plan covers treatment and medical services related to accidents, such as:
- Broken bones
- Swallowed objects
- Eye injuries
Progressive also sells two preventive and routine care policies through Pets Bestthe EssentialWellness Plan and the BestWellness Plan. These plans cover the same services and treatments, but they have different annual benefits. The EssentialWellness Plan includes up to $305 in annual benefits and the BestWellness Plan includes up to $535 in annual benefits. Here is a brief list of services that these plans cover:
- Teeth cleaning
- Accident-only plan for cats: $6 per month
- Accident-only plan for dogs: $9 per month
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Find Out Whats Covered
Do your research to find out what type of treatments are not covered. When you compare pet insurance plans, you should also remember to check out the exclusions in each covered category. For instance, if a plan covers alternative therapies, it might not cover certain treatments like physical therapy or acupuncture.
Here are some categories to look into:
- Vet exam fees
- Hereditary conditions and hip dysplasia
- Wellness plan
- Chronic conditions
- X-rays, MRIs, cat scans, ultrasound, blood work
- Ligament and knee conditions
- Rehabilitation, prosthetic devices, physical therapy
- Holistic therapies
- Non-routine dental
Do Some Research on the Contenders
Pet insurance reviews come in handy when youre narrowing down your final picks. These are the types of questions you want to ask:
- How fast do they repay claims?
- Is it a difficult process?
- Do they have good customer service? Is it available 24/7?
- Is there an app available?
- Is their website easy to use?
- Whats their rating from the Better Business Bureau?
- Can you make changes to your plan?
- Do they offer a money-back guarantee?
Youll find that sometimes pet insurance companies will include nice extras, like reimbursement for costs associated with boarding, advertising for lost pets, loss due to theft or straying, death from injury or illness, vacation cancellation and behavioral therapy.
Does Pet Insurance Cover Pre
Standard pet insurance almost always excludes pre-existing medical conditions. But recurring illness can be very expensive.
If youre trying to insure a pet with a pre-existing condition, some specialist insurers will cover them if they havent showed any signs of the illness for some time.
If you buy a lifetime policy when your pets young, and you keep renewing, youll be covered for future chronic health problems.
The alternative is to exclude the condition from your policy and cover any medical treatment yourself. Youll still be able to claim for other new conditions your pet develops.
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How Does Pet Insurance Work
If you have a pet insurance plan, youll generally have a deductible amount that you pay for veterinarian bills before coverage starts. After that, youll still pay your vet directly and then submit your bills to the pet insurer for reimbursement. The insurance company will send you reimbursement until it has paid the maximum your plan allows in a year, such as $5,000. Some plans offer unlimited payout maximums.
Nationwide also offers a major medical plan for pets, which covers illness and accidents using a defined annual maximum payment for each individual condition or service.
Pet Insurance: How To Get The Best Price And Coverage
Until he suddenly got sick with a life-threatening bacterial infection, Sam, our lovable chihuahua-terrier mix, was as healthy as a horse . Luckily, the emergency veterinarians at the local animal hospital knew what to do and saved Sams life.
My wife and I knew the bill for five days of round-the-clock care was going to be expensive, but we didnt have to worry about that because Sam had health insurance. The total bill came to $10,000, which we had to pay before taking Sam home. Within a week, we had a check for $9,000 from the insurance company.
Just like the human members of the family, our pets can get sick or injured. And when they do, the vet bills can be staggering, even prohibitive. And yet, most pet parents in the U.S. dont have coverage.
Dr. Jason Nicholas, a practicing veterinarian in Portland, Ore. who runs the website PreventiveVet.com, says its not uncommon for people to skip treatment, or in the worst-case situations, have their pet euthanized because of financial limitations.
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Avoid Pet Insurance Companies That Are Very Small
There’s 14+ pet insurance companies out there, and that number is growing every year. In general, it’s a safer bet to go with a company that’s been around for a few years. This is because newer providers may change their premiums more drasticaly as they figure out their own business metrics.
Established companies have a repuatble and trustworthy customer experience .
Here’s some __established pet insurance companies you can trust__, hands down:
A Note On Pet Insurance Reviews
Review site should not be a deciding factor in your shopping experience. Review sites can skew your perception as many negative reviews may simply be the result of a bad fit rather than a bad product.
They can provide context on customer experience, but please use data-driven factors rather than counting who has more “likes.”
Can I Still Travel With My Pet After Brexit
Following the end of the Brexit transition period on 1 January 2021, the rules on taking your pet abroad have changed. You can no longer travel through the European Union with your pet using a Pet Passport if it was issued in Great Britain. You can still use your pet passport if it was issued in the EU.
If you live in Northern Ireland, you can use your pet passport to travel to the EU, as long as its also been issued in Northern Ireland. But you should seek the advice of your vet first, and check the Northern Ireland government website, if youre planning to go to the EU.
And please note that if your pet passport was issued in Northern Ireland on or before 31 December 2020, its no longer valid. You should contact your vet to get it updated. Northern Ireland is planning to roll out a new UK pet passport later this year.
To travel to the EU and Northern Ireland from Great Britain, your pet or assistance dog will need:
- An animal health certificate , unless your pet has a valid pet passport issued in Northern Ireland or an EU country
- A valid rabies vaccination
- A microchip
- Tapeworm treatment carried out by a qualified vet if youre taking your dog straight to Northern Ireland, Ireland, Malta, Norway or Finland. Only dogs need this.
If youre travelling to a non-EU country from Scotland, Wales or England, you should also fill in the Export Application Form .
How Much Does Pet Insurance Typically Cost
The price of pet insurance varies by the type, age, and breed of the pet, as well as where you live. It will also change based on what deductible, annual coverage limit, and reimbursement percentage you chose.
With that said, the cost to insure a two-year-old dog with a $15,000 annual coverage limit, 80% reimbursement, and a $500 deductible could be around $30 per month. Adding a wellness rider for preventive care coverage can bring this total to between $45 and $100 per month.
What Is The Average Vet Bill For A French Bulldog
In the United States, the average vet bill for a Frenchie is usually anywhere from $1,500 to $2,500.
As with all spay/neuters, the shorter the wait time between puppy shots, the lower the vet bill.
The average age for a Frenchie to be fixed is before 5 months of age.
Ideally, they should be set before 4 months old.
If your pup is close to 5 months and you live in an area where the ordinance allows, you may want to consider this.
Reminder, it is illegal to have your Frenchie fixed after 6 months of age in most areas of the United States.
The younger, the better!
A French Bulldogs average life span is around 12-14 years, with some living up to 15 years.
A small number of Frenchies live to be 17-18 years old.
The average cost for routine care for a French Bulldog is around $660 annually or $55/ month.
This typically includes their wellness exam, vaccines, heartworm test and prevention, fecal testing and deworming if needed, and flea/tick prevention.
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It does not include the cost of the visit itself .
Vet visits can be anywhere from $60 to $120, depending on where you live.
Some things that will impact your annual average vet bill for a French Bulldog are any major health issues such as hip dysplasia or eye problems.
Regular health exams are essential for Frenchie parents to know their pups normal behavior and habits.
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Check Pet Health Plan Requirements
Age restrictions. Before anything else, check out the plans restrictions to see if your pet qualifies for coverage. Every plan has a minimum age requirement most begin at 8 weeks, but there are a few that start at 6 or 7 weeks. Most importantly, check the upper age limits, especially if you have a senior pet. Some have no age limit as long as you enroll your pet before a certain age and will never reduce your pets coverage in this case. Youll also find that if your pet is over these ages, they might only offer basic accident coverage, not illness. Also keep in mind that dog insurance age limits can differ from cat insurance.
Breed exclusions. While pet insurance plans wont necessarily exclude certain breeds, they will sometimes limit coverage based on breed-specific conditions. Hip dysplasia and ACL surgery are two of the most common restrictions for dog medical insurance. All but a few companies require waiting periods for these predispositions, and some plans wont cover your pet after a certain age. Others offer these as optional coverage.
Vet exams. Check to see if you need to have a vet exam on file within the previous year before coverage can start. Even if a vet exam is not required to enroll, youll definitely want to take your pet for a wellness exam as soon as possible after enrolling, because companies will use the first exam after enrollment to determine overall pet health and pre-existing conditions.
What Pets Can I Get Covered
If you have another type of pet, you might need to look for a specialist pet insurance provider. In some cases, its possible to get cover for guinea pigs, ferrets, chinchillas, tortoises, snakes, lizards, parrots and other exotic animals.
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