Best Pet Insurance For Staffordshire Bull Terriers In 2024

From my professional viewpoint, Healthy Paws is the best choice for insuring Staffordshire Bull Terriers.

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Updated: 28 August 2024
Written by Bob Phillips
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Staffordshire Bull Terrier owners often worry about their dog’s health. As a pure breed, Staffordshire Bull Terriers are more prone to genetic conditions than mixed-breed dogs. Unfortunately, 80% of pet parents can’t handle an unexpected $500 vet bill out of pocket. Pet insurance is a great way to reduce your financial risk.

In this review, we’ll walk you through some of the top pet insurance options for Staffordshire Bull Terriers to help you find the right plan. Pet insurance functions similarly to human health insurance by offering better treatment options and lowering out-of-pocket costs. However, it’s far more affordable than private health insurance.

Best Pet Insurance Companies For Staffordshire Bull Terriers, 2024

Numerous pet insurance companies for Staffordshire Bull Terriers aim to ensure pet health and reduce financial risks, though they have distinct differences. The best choice for one Staffordshire Bull Terrier may not be suitable for another.

Here’s our breakdown of the leading pet insurers for Staffordshire Bull Terriers.

healthy-paws
Best Overall - Healthy Paws
Lemonade
Best Cheap Coverage - Lemonade
manypetsicon-logo
Best for Puppies - ManyPets
Best Pet Insurance, Staffordshire Bull Terriers 2024

Comparison Of The Best Pet Insurance Companies For Staffordshire Bull Terriers

Our assessment of pet insurance companies for Staffordshire Bull Terriers demonstrates the varied strengths they offer.

Overall Rating Best For Waiting Period Reimbursement % Benefit Limit Get A Quote
Healthy Paws
4.9

Overall

15 days accidents/illness

70%, 80%, 90%

Unlimited annual and lifetime

Instant Quote
Lemonade
4.8

Cheap

2 days accidents, 14 days illness

70%, 80%, 90%

$5,000 to $100,000 annually

Instant Quote
ManyPets
4.8

Puppies

15 days accidents/illness

70% or 80%
(most states)

Unlimited annual and lifetime

Instant Quote
Pumpkin
4.5

Older Dogs

14 days accidents/illness

90%

$10,000, $20,000 or unlimited

Instant Quote
Spot
4.5

Multiple Pets

14 days accidents/illness

70%, 80%, 90%

$2,500 to unlimited

Instant Quote
Scroll to see comparisons

Our Methodology

Judgments and ratings were derived from an analysis of insurer websites, customer feedback, reviews from various platforms, and personal interactions with pet insurance.

51

Quotes Analyzed

15+

Years Of Industry Experience

16

Brands Reviewed

31+

Research Hours

Detailed Reviews Of The Best Staffordshire Bull Terrier Insurance Companies


Best Overall

Overall Rating
4.9

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
10/10 Claims
10/10 Coverage Level

Why We Like Them

Healthy Paws is highlighted for its pet insurance, featuring unlimited claim payouts and no per-incident maximums or caps. This ensures you won’t need to make challenging decisions about your pet’s care due to coverage restrictions. Their policy is clear and does not include costly add-ons, allowing you to visit any licensed veterinarian. Claim submissions are simple via their mobile app or website, with most claims processed within two days.

Benefits & Drawbacks

Benefits
  • You won't hit a maximum on annual or lifetime payouts.
  • Get a full refund in 30 days.
  • The usual processing time for claims is within two days.
  • There's a possibility of direct payments to the veterinarian.
Drawbacks
  • There isn't a standard wellness plan.

Runner-Up For Best Overall

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage Level

Why We Like Them

Lemonade is noted for being the most affordable pet insurance option for Staffordshire Bull Terriers. Unlike Healthy Paws, Lemonade offers coverage limits ranging from $5,000 to $100,000 per year, with premiums increasing depending on the limit chosen. Their standard policy covers accidents, illnesses such as cancer and heart disease, as well as common conditions like broken bones and hip dysplasia in older Staffordshire Bull Terriers. However, they exclude coverage for preexisting conditions, dental problems, behavioral issues, or elective procedures, which is typical of most insurers.

Benefits & Drawbacks

Benefits
  • Opt to enroll in a health improvement program.
  • After just two days, accident protection begins.
  • You'll receive a 10% discount if you bundle pet insurance with Lemonade's home, renters, or car insurance.
Drawbacks
  • There's no all-day, every-day pet telehealth assistance.
  • Adding coverage for vet visits requires an additional fee.
  • The plan excludes prescription food and microchipping from its coverage.

Best For Puppies

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage Level

Why We Like Them

ManyPets offers optimal insurance coverage for puppies. Pre-existing conditions do not affect premiums, and treated conditions may be covered after 18 months. Unrelated conditions are still eligible for coverage. Young Staffordshire Bull Terriers, like all puppies, are prone to illnesses such as poisoning, ingestion of foreign objects, and accidents due to their youthful energy. Insuring them early reduces the likelihood of facing exclusions for pre-existing conditions later in life.

Benefits & Drawbacks

Benefits
  • Offered in more than forty states
  • Covers vet consultation fees for illness and accident-related issues.
  • Offers flexible wellness benefits.
Drawbacks
  • Pet telehealth isn't available on a 24/7 basis.
  • This does not include pet behavioral therapy.
  • The policy does not cover alternative medical options.

Best For Older Dogs

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage Level

Why We Like Them

With age, Staffordshire Bull Terriers are susceptible to genetic ailments such as cruciate ligament issues and hip dysplasia, which may require costly treatments. Pumpkin pet insurance does not impose waiting periods for these conditions and covers veterinary exam costs if your senior Staffordshire Bull Terrier needs treatment. They provide extensive coverage options for various Staffordshire Bull Terriers health issues, including surgeries and dental care, offering three deductible choices and a standard 90% reimbursement rate.

Benefits & Drawbacks

Benefits
  • Elect to join wellness plan
  • Deals on insurance for your multiple pets.
  • A 90% reimbursement applies to dogs and cats that are 8 weeks and older.
Drawbacks
  • There's no continual pet telehealth advisory line.
  • You won't find a plan that only covers accidents.

Best For Multiple Pets

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
8/10 Claims
10/10 Coverage Level

Why We Like Them

Staffordshire Bull Terriers owners often have multiple pets because they are so friendly. Spot offers a 10% discount for insuring more than one pet, which results in significant savings. Their optional preventive care plan covers wellness services like an annual vet visit, fecal test, and teeth cleaning, and includes coverage for some vaccinations. Spot provides a 30-day money-back guarantee if you’re dissatisfied with their coverage or service. They also reimburse up to 90% of eligible vet bills and offer a 24/7 vet helpline. Additionally, you can visit any U.S.-licensed veterinarian or specialist.

Benefits & Drawbacks

Benefits
  • Talks about microchip incorporation
  • Opt for a deductible that's just $100.
  • Pet telehealth services are available 24 hours daily.
Drawbacks
  • For accidents, there's a 14-day waiting period, whereas some top competitors process claims in just 2 days.

Average Cost Of Pet Insurance For Staffordshire Bull Terriers

Company Deductible Annual Reimbursement % Monthly Price Age of Dog
Healthy Paws $500 70% $70.30 5 year old
Lemonade $500 70% $40.00 5 year old
Spot $500 70% $73.34 5 year old
Healthy Paws $500 80% $36.52 1 year old
Lemonade $500 80% $20.67 1 year old
Spot $500 80% $53.80 1 year old
Healthy Paws $500 70% $37.64 3 month old
Lemonade $500 70% $29.13 3 month old
Spot $500 70% $83.12 3 month old

Average Cost Of Typical Vet Procedures

Typical Vet Procedure Average Cost Of Procedure
Puppy vaccinations $75-100
Flea & tick prevention $40-200
Heartworm prevention $24-120
Spay or neuter surgery $200-800
Annual exam $240-600
Teeth cleaning $200-500
Microchip $40

Average Cost Of Emergency Vet Procedures

Emergency Pet Procedure Average Cost Of Procedure
General consultation/exam $100-$150
General bloodwork $80-200
X-rays $150-$250
Ultrasound $300-$600
1-2 day hospitalization $600-$1,700
3-5 day hospitalization $1,500-$3,500
Wound treatment & repair $800-$1,500
Emergency surgery $800-$2,500
Oxygen therapy $500

Factors That Impact Cost Of Your Pet Insurance Policy

The cost of pet insurance, like health insurance, is influenced by various factors, including:

  • Where you live. Veterinary care costs in your area play a role in determining your policy price.
  • Your pet’s age. Older pets are more likely to have health problems, which can increase their premium.
  • Your pet’s breed. Some breeds are more susceptible to certain health issues. For instance, bulldogs and Boston terriers often face breathing challenges, while larger breeds like German Shepherds are more likely to develop hip dysplasia. These risks affect your premium.
  • Deductibles and coverage limits. Lower deductibles mean higher premiums. A $100 deductible, for example, will increase your premium compared to a $500 deductible.

Is Pet Insurance Worth It For Staffordshire Bull Terriers?

Pet insurance protects against unexpected vet costs. Many pet owners handle medical bills on their own, but most can’t afford a $1,500 emergency vet visit. The right policy could truly save your pet’s life. It allows you to prioritize care over finances. Whether it’s worth it depends on your expectations. If your pet is already receiving treatment for a long-term illness, you won’t get help with those costs, as no company covers preexisting conditions. But with the right policy, tailored to your needs and budget, pet insurance can be a worthwhile investment.

How To Find The Best Pet Insurance Company For You

The costs and types of pet insurance plans offered by different companies vary, making it challenging to make a decision. Before applying for coverage, consider these tips to find the best plan for your pet.

Check Whether Your Pet Is Eligible

Insurance companies generally require puppies and kittens to be at least 6 to 10 weeks old for coverage. Senior pets may not qualify for initial enrollment or could only receive accident coverage. Once enrolled, most plans provide lifelong coverage with ongoing premium payments.

1

Research What’s Covered

Pet insurance policies typically cover medical expenses like surgery, hospitalization, and medication if your pet falls ill or gets hurt. But some companies charge extra for certain items or exclude them entirely. Here are a few examples:

  • Exam fees: For example, a plan may pay for X-rays and surgery after your dog breaks her leg but not cover the vet’s examination fee.
  • Alternative treatments: Some insurers offer coverage for therapies like acupuncture and physical therapy, while others charge extra for these.
  • Behavioral therapy: Not all plans cover treatments for behavioral problems like aggression.
  • Prescription food: Certain plans won’t cover special diets, even if prescribed by your vet.
  • Dental care: Dental coverage varies. Your policy may not cover conditions like gingivitis unless your pet has had a recent cleaning, though wellness plans could cover routine cleanings.

Additionally, most policies won’t cover pre-existing conditions, cosmetic procedures, or breeding-related costs.

2

Decide How Much Coverage You Want

Most pet insurance plans cap their yearly payouts, though some have no annual limit. It’s your decision on the amount that gives you peace of mind for paying vet bills. If your pet is generally in good health, you might go years without needing anything beyond routine care. However, unexpected surgeries or serious illnesses could lead to thousands of dollars in expenses.

3

Understand Reimbursements And Deductibles

Pet insurance plans typically reimburse a portion of your vet bill, and you can usually select reimbursement levels like 70%, 80%, or 90%.

Some plans pay a fixed fee for treatments, which might be less than your vet’s charges, meaning you’ll pay the difference.

Most policies include a deductible, which is the amount you must pay before the insurance kicks in. Deductibles often range from $100 to $250 or more. Some plans apply the deductible per incident, while others use an annual deductible.

Generally, lower deductibles and higher reimbursement rates lead to higher premiums, while higher deductibles and lower reimbursement rates lower the cost of the plan.

4

Check Waiting Periods

Insurance plans often have a brief waiting period, usually around 14 days after purchase, before they cover general accident and illness treatments. Medical expenses are not reimbursed during this initial period. Some plans impose longer waiting periods for specific conditions like cruciate ligament injuries, a prevalent orthopedic issue in dogs. These ligaments are essential for knee stability, and injury to them can seriously affect a dog’s mobility.

5

Examine Extra Costs

Some pet insurance companies provide coverage for routine services such as veterinary check-ups and vaccinations. Evaluate whether it’s worth the extra cost by comparing the annual premium of the wellness plan with your usual yearly expenditure on these services. Check the specifics, as wellness coverage varies by insurer.

6

Compare Quotes

The price of pet insurance fluctuates depending on the insurer and coverage level chosen. Some pet insurers offer discounts, such as reduced rates for insuring multiple pets. However, a discount doesn’t necessarily mean it’s the most economical choice. To find the best pet insurance, compare quotes from different plans with similar coverage amounts, deductibles, and reimbursement limits.

7

Common Health Issues For Staffordshire Bull Terriers

Staffordshire Bull Terriers, as purebred dogs, are at an increased risk of health problems. Over the years, some breeders have overlooked genetics in breeding, leading to the spread of various health issues throughout the breed. As a result, Staffordshire Bull Terriers are more prone to genetic disorders than other dog breeds.

Here are some common health concerns Staffordshire Bull Terriers may experience:

  • Hip Dysplasia
  • Hereditary Cataracts
  • Skin Allergies (Atopy)
  • Brachycephalic Syndrome (breathing problems due to their short snouts)
  • Congenital Heart Disease
  • Hyperadrenocorticism (Cushing’s disease)
  • Progressive Retinal Atrophy (PRA)

FAQs

Is pet insurance cheaper for purebred dogs?  

Due to genetic predispositions toward expensive ailments, purebred dogs generally have higher insurance premiums compared to mixed-breed dogs.

What is the average cost of owning a Staffordshire Bull Terrier?  

Vaccinations, food, grooming, and insurance cost approximately $3,000 in the first year, followed by a decrease to about $1,900 per year.

What insurance do you need for a dog?  

Pet insurance allows dog owners to pay for veterinary bills and protect their dog’s health.

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