Best Pet Insurance Plans For Belgian Shepherd Malinois

ByCanine Bible
Belgian Malinois Pet Insurance

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This content was reviewed and fact-checked by veterinarian Dr. Aukse Caraite, DVM.

Sometimes, unexpected medical issues can arise despite our best efforts to keep our pups healthy and happy. And when they do, the costs of treatment can quickly add up. That’s where pet insurance comes in. This article explains how investing in pet insurance for your Belgian Malinois can protect yourself and your furry friend from the financial burden of unexpected medical expenses—looking for the best pet insurance for a Belgian Malinois? We also explore the various options available for pet insurance for Belgian Malinois and help you find the best plan to meet your needs and budget. You can choose the right pet insurance plan for your beloved pet by understanding your options. Don’t wait until it’s too late – start protecting your Belgian Malinois today with pet insurance. Let’s dive right in!

Table of contents
In This Article:
Table of contents
In This Article:

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Best Belgian Malinois Pet Insurance — At A Glance

Best Overall

Lemonade

The most comprehensive
options with excellent
monthly pricing for Belgian Malinois

Visit Website

Read Review ↆ

Best Personalized

Spot

Offers the most
customizable plans for your budget
and specific needs of your pet.

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Read Review ↆ

Best No-Cap Payouts

Healthy Paws

Great for covering major
medical or ongoing expenses.
Beneficial for high-risk breeds.

Visit Website

Read Review ↆ

What Is Belgian Malinois Pet Insurance?

Pet insurance is a healthcare policy that provides coverage for your pet, offering reimbursement for specific veterinary expenses. This ensures that your savings remain secure despite unforeseen medical costs. Such a policy involves a monthly premium. Should your pet fall ill or sustain an injury, you would file a claim with the insurance company to recoup your expenses.

The monthly premium for Belgian Malinois pet insurance

$36 to $62

How Much Does Pet Insurance Cost For Belgian Malinois?

The cost of pet insurance for a Belgian Malinois dog will vary based on several factors, including the pet’s existing health conditions, sex, age, and the area you reside in. It’s important to remember that with the progression of veterinary technology and increased claims within your locality, your insurance premiums may rise. For example, even if your Belgian Malinois is quoted at $55 per month, this rate is not fixed and could change.

According to our research, plans for Belgian Malinois can range from $34 to $62. You may spend more or less depending on where you live, the deductible rate and the reimbursement percentage you choose. Belgian Malinois owners can expect to pay an average $51 monthly premium.

Pet Insurance Quotes For Belgian Malinois

We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different life stages in Belgian Malinois.

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Lemonade$50070%$100,000$38.65SC, 29044MaleBelgian Malinois6 years
Spot$50070%Unlimited$57.74SC, 29044MaleBelgian Malinois6 years
Healthy Paws$50070%Unlimited$60.96SC, 29044MaleBelgian Malinois6 years
Lemonade$50070%$100,000$33.95CA, 95842FemaleBelgian Malinois2 year
Spot$50070%Unlimited$63.16CA, 95842FemaleBelgian Malinois2 year
Healthy Paws$50070%Unlimited$49.80CA, 95842FemaleBelgian Malinois2 year
Lemonade$50070%$100,000$37.41TX, 75219FemaleBelgian Malinois6 months
Spot$50070%Unlimited$62.46TX, 75219FemaleBelgian Malinois6 months
Healthy Paws$50070%Unlimited$54.07TX, 75219FemaleBelgian Malinois6 months

Belgian Malinois puppy monthly cost: $51

Adult Belgian Malinois monthly cost: $49

Senior Belgian Malinois monthly cost: $52

Is Pet Insurance For Belgian Malinois Worth it?

The decision to purchase pet insurance for your Belgian Malinois hinges on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.

Consider a scenario where your Belgian Malinois falls seriously ill or suffers an injury from an accident, incurring veterinary bills in the thousands. On average, the most common dog treatments cost $254.[1] A more severe and common condition in Belgian Malinois, like cancer, can cost between $8,000 and $15,000 to diagnose and treat. Can you pay for an unexpected $15,000 veterinary bill out-of-pocket? Most people can’t. The Federal Reserve states that 40% of Americans don’t have enough savings to cover a $400 emergency, and 57% of U.S. adults cannot afford a $1,000 emergency expense.[2]

Investing in pet insurance for your Belgian Malinois is a wise choice to protect your finances and ensure your dog can receive the necessary care. With pet insurance, should an unexpected accident or illness occur, you could be reimbursed for 70% to 100% of the veterinary costs, depending on the details of your plan and provider. Pet insurance gives peace of mind, knowing your finances and pet’s health are covered.

Predict & Protect Your Belgian Malinois’ Future Health

Canine Bible uses years of clinical health findings, pet insurance data points, trends, and surveys to identify common health conditions in dogs. By gaining insight into your Belgian Malinois’ potential future health issues and risks, you can take preventive action today and ensure that your Belgian Malinois does not become a part of these statistics.

1 in 3

dogs will need emergency veterinary treatment every year.

$250 to $8K

is the average cost of unexpected veterinary care for dogs.[3]

9.3%

of Belgian Malinois are prone to elbow dysplasia, ranking them 45. [4]

SOD1 gene

This breed is a carrier of this gene, which causes degenerative myelopathy.[5]

If you know your dog’s breed is predisposed to certain health issues, we strongly advise getting a pet insurance policy while your dog is still healthy. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Belgian Malinois life. Pet Insurance can spare you a lot of financial trouble.

Dogs that develop chronic conditions under pet insurance coverage are guaranteed reimbursement for these issues for the duration of their life.

How Pet Insurance Helps With Common Health Issues In Belgian Malinois

Cost to treat cardiomyopathy

Cancer in dogs is the abnormal growth of cells in their body, often leading to tumors. It can affect any organ, showing varied symptoms, and requires veterinary diagnosis and treatment.

  • Cost: $11,500
  • Pet insurance pays back up to: $10,350*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat bloat

Bloat also known as gastric dilatation-volvulus, is a rapid stomach expansion with gas and often a twist, obstructing blood flow. It’s a life-threatening emergency causing distress, drooling, and a swollen belly.

  • Cost: $4,500
  • Pet insurance pays back up to: $4,050*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat hypothyroidism

Hypothyroidism is a condition where the thyroid gland underproduces hormones, leading to symptoms like lethargy, weight gain, skin issues, and fur thinning. It’s commonly treated with hormone replacement therapy.

  • Cost: $600 first year ($700 each additional year)
  • Pet insurance pays back up to: $540*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat hip dysplasia

Hip dysplasia involves abnormal development of the hip joint, leading to looseness and instability. This genetic disorder is exacerbated by rapid growth, obesity, and environmental factors. Symptoms include limping, difficulty in movement, and arthritis.

  • Cost: $4,500
  • Pet insurance pays back up to: $4,050*
  • Risk profile: Medium

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat cataracts

Cataracts in Belgian Malinois result in the lens of the eye becoming opaque, significantly impairing vision. Often hereditary, they can also arise from aging, diabetes, or eye injuries. Initially, cataracts may cause slight visual disturbances but can progress to blindness. Surgical removal is the primary treatment to improve sight.

  • Cost: $3,500
  • Pet insurance pays back up to: $3,150*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat skin disease

Dogs can suffer from various skin diseases, often manifested as itchiness, rashes, or hair loss. Causes range from allergies, parasites, and hormonal imbalances, to infections. Effective treatment requires identifying the underlying cause, which may involve dietary changes, medications, or topical treatments, depending on the specific condition. Regular skin care can help prevent recurrences.

  • Cost: $1,500
  • Pet insurance pays back up to: $1,350*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat progressive retinal atrophy

Progressive Retinal Atrophy in dogs is a genetic disorder leading to the gradual deterioration of the retina, resulting in vision loss and potentially blindness. Early signs include night blindness and dilated pupils. There’s no cure, but affected dogs often adapt well to their limited vision in a safe, consistent environment.

  • Cost: $1,000
  • Pet insurance pays back up to: $900*
  • Risk profile: Medium

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat diabetes

Belgian Malinois are prone to diabetes, characterized by the body’s inability to regulate blood sugar levels. This chronic condition is often linked to genetic predispositions and obesity, requiring lifelong insulin therapy and diet management to prevent serious health complications.

  • Cost: $150 per month
  • Pet insurance pays back up to: $135 per month*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat elbow dysplasia

A common issue in large breeds, elbow dysplasia in Belgian Malinois stems from abnormal elbow joint development, leading to joint laxity, pain, and lameness. Genetics plays a significant role and can be exacerbated by rapid growth during puppyhood or improper nutrition.

  • Cost: $3,000
  • Pet insurance pays back up to: $2,700*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Why Get Pet Insurance For Belgian Malinois?

Benefits For Belgian Malinois

  • Access to better care and health outcomes due to financial barriers removed
  • Cover hereditary conditions and get better breed-specific care
  • Prompt access to medical treatments
  • Ongoing access to healthcare and emergency care
  • Preventive care options
  • Facilitates treatment from specialists

Benefits For Owners

  • Decreases the likelihood of economic euthanasia when the cost is a limiting factor for treatment
  • Reduces unexpected veterinary costs
  • Financial peace of mind
  • Cover third-party liabilities
  • Avoid veterinary rising cost
  • Can help you find your missing/stolen pet

How to Pick The Best Belgian Malinois Pet Insurance

Pick a type of pet InsuranceWhile the most popular type of pet insurance includes accident and illness coverage, an accident-only policy might be your only choice if your pet is ineligible for it or is beyond your budget. Additionally, if you’re interested in lowering the costs of routine preventative care, seek an insurance provider that also offers wellness coverage.
Check whether your pet is eligibleMost insurance companies mandate that pets be at least 6 to 10 weeks old for eligibility. Conversely, enrolling older pets for the first time may lead to limitations, with some companies offering only accident coverage. Nonetheless, once enrolled, most plans cover your pet for life, provided you continue to pay the premiums.
Pre-existing conditionsMost pet insurance policies do not cover pre-existing conditions unless deemed curable. Some insurers may provide coverage if the pet’s condition is curable and has not required treatment for a specified period, like the past 12 months.
Review cost versus benefitsGet quotes from multiple insurers for your Belgian Malinois to compare monthly premiums. Consider the value of each plan by weighing the cost against the benefits provided.
Breed-specific needs and coverageConsider your Belgian Malinois’s age, current health status, and any potential hereditary conditions common in the breed, and pick your plan accordingly.
Compare insurance providersGet quotes from multiple insurers for your Belgian Malinois to compare monthly premiums. Research and list reputable pet insurance providers that offer plans for Belgian Malinois.
Check the fine print and exclusion policyRead the terms and conditions to understand the policy’s limitations and exclusions. Some insurers may also refuse to cover common conditions associated with certain breeds. 
Check waiting periodsTypically, pet insurance coverage kicks in after 14 days of signing up. Any treatments your pet receives won’t be covered during this waiting period. However, some plans impose longer waiting periods for certain conditions.
Choose a deductible and reimbursement levelModifying your deductible and reimbursement levels allows you to raise or lower your monthly premium. Opting for a higher deductible can reduce your premium but might lead to higher costs during vet visits. The ideal balance depends on whether you prefer paying more over time and less during a claim or vice versa.
Sign up as early as possibleThe earlier you sign your pet insurance, the lower the monthly premiums because younger pets are typically healthier and less likely to require extensive veterinary care, which translates to lower risk for the insurance company. Also, some pet insurance plans lock in the premium rate based on the pet’s age at enrollment.
Look for additional perks and discountsSome pet insurers offer multi-pet discounts, loyalty benefits, discounts for microchipped pets, alternative therapy coverage and travel insurance.

Best Pet Insurance For Belgian Malinois

1. Best Overall Belgian Malinois Pet Insurance

4.8

★★★★★

Lemonade

Who It’s For: Excellent for Belgian Malinois parents seeking the best all-around comprehensive coverage for accidents & illness at a value price.

  • Deductible: $100, $250, $500 or $750
  • Reimbursement rates: 70%, 80% or 90%
  • Annual payout limit: $5,000, $10,000, $20,000, $50,000 or $100,000
VISIT WEBSITE

Why we picked and recommended it: We named Lemonade our best overall pet insurance for Belgian Malinois for its comprehensive coverage, pricing, availability, and customer service. Lemonade premiums usually start at just $10 monthly, the lowest in the industry. We ran a few quotes for a healthy Belgian Malinois at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $34 and $39 monthly. We love that Lemonade is tech-forward, making it easy to manage your policy and file claims through an app. Their plans cover accidents and illnesses, including injuries, poisonings, broken bones, sprains, infections, general sicknesses, cancer, heart disease, hip dysplasia, hernias, skin conditions and more. They also offer several add-ons to help pet owners pay for exam fees, physical therapy, and preventive care.

2. Best Personalized Belgian Malinois Pet Insurance

4.9

★★★★★

Spot Insurance

Who It’s For: Spot Pet Insurance is ideal for Belgian Malinois dog owners who want the most flexibility when customizing their policy to fit their budget and coverage needs.

  • Deductible: $100, $250, $500, $750 or $1,000
  • Reimbursement rates: 70%, 80% or 90%
  • Annual payout limit: $2,500 to Unlimited
VISIT WEBSITE

Why we picked and recommended it: Spot Pet Insurance offers seven annual limit options, three reimbursement levels, and five annual deductibles. They offer the lowest deductible in the industry ($100), meaning that when your Belgian Malinois gets sick, you pay less upfront before your plan starts paying. With so many customization options, this company is our top pick for finding a plan for meeting your specific financial needs and those of your pet. Spot’s policies also cover some items, such as exam fees and microchipping, that many other pet insurance providers don’t offer. They also have one of the cheapest plans for accident-only coverage, making it perfect for pet owners who only need minimal coverage. We ran a few quotes for a healthy Belgian Malinois at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $58 and $63, but prices may vary depending on your location, Belgian Malinois’s age, and other factors. Spot covers you when your Belgian Malinois gets hurt unexpectedly, from tooth extractions and torn ligaments to surgery and hospitalizations.

3. Best No-Cap Payout Belgian Malinois Pet Insurance

4.9

★★★★★

Healthy Paws

Who It’s For: With no financial cap, it’s ideal for covering major medical or ongoing expenses such as chronic conditions. Beneficial for high-risk breeds such as Belgian Malinois.

  • Deductible: $100, $250 or $500
  • Reimbursement rates: 70%, 80% or 90%
  • Annual payout limit: Unlimited
VISIT WEBSITE

Why we picked and recommended it: Healthy Paws offers the benefit of no cap payout, meaning there’s no maximum limit on the amount they will pay, which is particularly advantageous for severe conditions or chronic diseases that require ongoing, expensive treatments. With no financial cap, you can choose the best treatments for your pet. This can include access to advanced medical procedures, specialized surgeries, or cutting-edge treatments that might otherwise be prohibitively expensive. Additionally, Healthy Paws stands out for its quick claim processing, typically paying 99% of claims in two days, notably faster than many competitors. We ran a quote for a healthy Belgian Malinois at a $500 deductible with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $50 and $61. Healthy Paws insurance plans cover accidents and illnesses, cancer, emergency care, genetic conditions, alternative care, etc. They have competitive premium prices and fewer coverage exclusions.

Types of Pet Insurance Coverage For Belgian Malinois

There are two main types of pet insurance plans.

It covers accident-related medical care such as ingestion of foreign objects, poisoning, or if your Belgian Malinois was hit by a car. Accident-only plans are typically more affordable than accident and illness policies. This can be a reasonable option for a pet with many pre-existing conditions.

Common items covered by this plan include: broken bones, torn ligaments, bite wounds, poisoning, injuries, emergencies, eye injuries, snake bites and toxic food ingestion.

These policies are the most popular because they cover accidents and illnesses, including unexpected medical expenses. Because no provider covers pre-existing conditions, signing your pet up for coverage as early as possible is crucial.

Common items covered by this plan include: Accidents plus illnesses such as obesity, UTIs, cancer, hypothyroidism, digestive issues, IVDD, vomiting and diarrhea, arthritis and parasites.

Some companies also offer a wellness plan (aka preventative care) during enrollment. This commonly covers routine vet expenses but varies by provider. It’s typically available as an add-on to an accident-only or accident-and-illness policy, but some companies allow you to purchase it without an insurance policy. This add-on coverage isn’t technically an insurance product.

Common items covered by this plan include: Flea, ticket and worm treatments, rabies, microchipping, de-working, teeth cleaning, routine tests, annual exams, spay and neuter and urine analysis.

What Does Pet Insurance Not Cover?

When choosing pet insurance for your Belgian Malinois, reviewing and understanding your policy’s exclusions is important.

Exclusions vary based on the pet insurance company and the policy you choose. Be sure to review the list of exclusions before purchasing pet insurance to confirm that your Belgian Malinois is adequately covered by the plan you select and help prevent surprises in the future.

  • Grooming
  • Pre-existing conditions
  • Unrelated veterinary services
  • Behavioral training, therapy or treatment 
  • Breeding and pregnancy
  • Dog food or dietary or nutritional supplements
  • Cosmetic procedures
  • Boarding and transportation

Pet Insurance For Belgian Malinois Puppies

Should you get pet insurance for your Belgian Malinois puppy? Here are the top reasons you should consider Belgian Malinois puppy insurance.

Enrolling your pet at a younger age, when they are healthy and less likely to have developed any health issues, means there’s a lower risk for pet insurance companies, which usually means lower premiums.

Because Belgian Malinois are predisposed to certain health issues, it’s wise to insure your Belgian Malinois puppy before any symptoms or diagnoses occur. Most pet insurance providers don’t cover pre-existing conditions. However, if your insured puppy develops a condition later, like cancer, allergies, or diabetes, your policy will likely cover its treatment and ongoing expenses.

Belgian Malinois puppies are curious and often get into mischief, increasing their risk of accidents and infections from bacteria or viruses.

Raising a puppy comes with various expenses, including vet bills. On average, 81% of pet parents spend up to $500 on veterinary visits during their puppy’s first year. Additionally, the ASPCA notes that the upfront costs of first-year pet ownership can exceed $1,000, including expenses for toys, food, and medical care.

Average Cost of Belgian Malinois Vet Bills

This is what you will pay out-of-pocket on average if you don’t have pet insurance or a wellness plan.

Average Cost of Typical Vet Procedures

Typical Vet ProcedureAverage 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 

Typical Vet ProcedureAverage 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 days holspitalization$1,500 - $3,500
Wound treatment & repair$800 - $1,500
Emergency surgery$800 - $2,500
Oxygen therapy500

Sources: 5 & 6

Factors That Impact the Cost of Your Belgian Malinois Pet Insurance Policy

Deductibles, co-pays & coverage limits

The lower the amount you pay out of pocket for your pet’s care, the higher your insurance premium will be. For instance, selecting a deductible of $300 instead of $800 means you’ll get reimbursed quicker for your pet’s care, but it also leads to higher premium payments.

Breed

Certain breeds are prone to congenital health issues. For example, breeds such as Belgian Malinois often struggle with Cancer and bloat. These breed tendencies could influence your pet insurance expenses.

Location

Local veterinary care expenses are taken into account by pet insurance companies when setting the price of your policy.

Pet’s Age

Older pets generally face more health problems, which results in higher insurance premiums because there is a higher risk for the insurance company.

Understand Insurance Policy Basics

  • Premium. The amount you pay monthly or annually for your pet insurance policy.
  • Deductible. The money you need to pay out-of-pocket for veterinary expenses before your policy begins to reimburse you. This is typically reset each policy period (annually). However, some pet insurance providers have per-incident deductibles, which you must pay for every new condition your dog suffers before receiving any reimbursement for that incident. Annual vs. per-incident deductibles can impact the amount you’re expected to pay, so read the policy before committing to a company.
  • Reimbursement rate. The percentage of the vet bill the insurance company will pay after you meet your deductible. The most popular reimbursement options are 70%, 80%, and 90%. However, some companies provide different or limited options depending on the dog’s age or location.
  • Annual payout limit. The maximum amount the insurance company will pay in medical bills per year. Having lower payout limits could result in you covering more of the expenses if your pet requires costly veterinary care.
  • Co-pay (co-insurance). The portion of the veterinary bill you must pay after your deductible is met, before reimbursements. In broader health insurance contexts, a “co-pay” often refers to a fixed amount (for example, $20 per doctor’s visit), regardless of the total bill, whereas “co-insurance” is typically a percentage of the total cost.

How Does Belgian Malinois Pet Insurance Work?

Imagine your Belgian Malinois’ pet insurance policy has the following terms:

  • Annual deductible: $200
  • Reimbursement rate: 80%
  • Annual payout limit: $15,000
  • Co-insurance: 20%

Now, let’s say your Belgian Malinois incurs a veterinary bill of $3,000 for medical treatment.

  • Paying the deductible: The first step is to pay your deductible, which, in this case, is $200.
  • Applying co-insurance: After the deductible, there’s $2,800 left ($3,000 – $200). The co-insurance of 20% applies to this amount. This means you are responsible for 20% of $2,800, which equals $560.
  • Insurance pays the rest: The insurance will cover 80% of the post-deductible amount. So, the insurance pays 80% of $2,800, which is $2,240.
  • Total out-of-pocket cost: Adding up your deductible and co-insurance payments gives you your total out-of-pocket cost: $200 (deductible) + $560 (co-insurance) = $760.

This example assumes you haven’t yet met your deductible for the year. If you’ve already met your annual deductible, you won’t have to pay again for this or any new claims within the same policy year. And, since every claim you make contributes to your annual payout limit after the insurance company pays $2,240 for this claim, the remaining yearly payout limit is $15,000 – $2,240 = $12,760.

Frequently Asked Question

Pet insurance for a Belgian Malinois puppy starts at $51 on average.

To save money on pet insurance for your Belgian Malinois, consider paying your premiums annually instead of monthly. This is because many insurance companies charge additional transaction fees for monthly payments, which can be reduced or eliminated with annual payments. Additionally, if you have multiple pets, look for insurers that offer multi-pet discounts. This can lead to up to 10% savings on each pet’s insurance over their lifetime. However, it’s important to note that some companies only apply these discounts to additional pets, not the first one, so check this detail before signing up for a new policy.

Ideally, as early as possible, typically 6-10 weeks old, to ensure coverage for breed-specific conditions.

Belgian Malinois are prone to certain breed-specific health issues like degenerative myelopathy, cancer, and hypothyroidism, which pet insurance can cover more effectively and take out the financial burden of covering all the costs yourself.

Older Belgian Malinois can get insurance but options may be limited, and premiums higher due to the increased risk of health issues.

Typically, you pay the vet bill upfront, submit a claim form to the insurance company, and get reimbursed as per your policy.

Belgian Malinois Pet Insurance — Conclusion

Pet insurance can give you peace of mind when you know your furry friend is covered in case of an accident or illness. While Belgian Malinois are generally healthy dogs, they are prone to some conditions that may require costly treatment. A pet insurance policy can help ease the financial burden if your dog does need medical treatment. When shopping for pet insurance, be sure to compare policies and find one that suits both your budget and your dog’s needs.

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Disclaimer: The details about insurance company offerings, including prices, availability, and contract specifics, can change at any time and are at the discretion of the insurance company. This website does not control these changes. The information provided here is for reference only. It is important to thoroughly read and understand your policy before signing up for a new insurance contract, as your situation may differ from the examples used in this article.

Sources

Canine Bible uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process and product review methodology to learn more about how we fact-check, test products, and keep our content accurate, reliable, and trustworthy.

  1. Breiner, B. (2023). Average Cost of Pet Insurance: 2023 Quotes. ValuePenguin.
  2. Gillespie, L. (2023, February 23). Bankrate’s Annual Emergency Fund Report. Bankrate.
  3. Healthy Paws Pet Insurance. (2019). 2019 Cost of Pet Health Care Report.
  4. Lameness in Belgian Shepherd dogs (Malinois). (n.d.). VETLESSONS.
  5. Paw Print Genetics – Degenerative Myelopathy (Common Variant) in the Belgian Shepherd. (n.d.).
  6. Williams, K., BSc, DVM, CCRP, & Ward, E., DVM. (n.d.). Bloat: Gastric Dilatation and Volvulus in Dogs. VCA Hospitals.
  7. Average Cost Of Emergency Vet Visits | Find Out What You Will Pay. (2020, March 19). Emergency Vets USA.
  8. Cost of Owning a Dog: From Initial Cost to Annual Essentials. (n.d.). The Dog People.
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