Best Pet Insurance Plans For Belgian Shepherd Malinois
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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!
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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
Best Personalized
Best No-Cap Payouts
Healthy Paws
Great for covering major
medical or ongoing expenses.
Beneficial for high-risk breeds.
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.
| Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
|---|---|---|---|---|---|---|---|---|
| Lemonade | $500 | 70% | $100,000 | $38.65 | SC, 29044 | Male | Belgian Malinois | 6 years |
| Spot | $500 | 70% | Unlimited | $57.74 | SC, 29044 | Male | Belgian Malinois | 6 years |
| Healthy Paws | $500 | 70% | Unlimited | $60.96 | SC, 29044 | Male | Belgian Malinois | 6 years |
| Lemonade | $500 | 70% | $100,000 | $33.95 | CA, 95842 | Female | Belgian Malinois | 2 year |
| Spot | $500 | 70% | Unlimited | $63.16 | CA, 95842 | Female | Belgian Malinois | 2 year |
| Healthy Paws | $500 | 70% | Unlimited | $49.80 | CA, 95842 | Female | Belgian Malinois | 2 year |
| Lemonade | $500 | 70% | $100,000 | $37.41 | TX, 75219 | Female | Belgian Malinois | 6 months |
| Spot | $500 | 70% | Unlimited | $62.46 | TX, 75219 | Female | Belgian Malinois | 6 months |
| Healthy Paws | $500 | 70% | Unlimited | $54.07 | TX, 75219 | Female | Belgian Malinois | 6 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.
*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.
*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.
*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.
*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.
*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.
*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.
*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.
*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.
*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
Benefits For Owners
How to Pick The Best Belgian Malinois Pet Insurance
Best Pet Insurance For Belgian Malinois
1. Best Overall Belgian Malinois Pet Insurance
Lemonade
Who It’s For: Excellent for Belgian Malinois parents seeking the best all-around comprehensive coverage for accidents & illness at a value price.
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
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.
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
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.
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.
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.
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.
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 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
| Typical Vet 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 days holspitalization | $1,500 - $3,500 |
| Wound treatment & repair | $800 - $1,500 |
| Emergency surgery | $800 - $2,500 |
| Oxygen therapy | 500 |
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
How Does Belgian Malinois Pet Insurance Work?
Imagine your Belgian Malinois’ pet insurance policy has the following terms:
Now, let’s say your Belgian Malinois incurs a veterinary bill of $3,000 for medical treatment.
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
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.
- Breiner, B. (2023). Average Cost of Pet Insurance: 2023 Quotes. ValuePenguin.
- Gillespie, L. (2023, February 23). Bankrate’s Annual Emergency Fund Report. Bankrate.
- Healthy Paws Pet Insurance. (2019). 2019 Cost of Pet Health Care Report.
- Lameness in Belgian Shepherd dogs (Malinois). (n.d.). VETLESSONS.
- Paw Print Genetics – Degenerative Myelopathy (Common Variant) in the Belgian Shepherd. (n.d.).
- Williams, K., BSc, DVM, CCRP, & Ward, E., DVM. (n.d.). Bloat: Gastric Dilatation and Volvulus in Dogs. VCA Hospitals.
- Average Cost Of Emergency Vet Visits | Find Out What You Will Pay. (2020, March 19). Emergency Vets USA.
- Cost of Owning a Dog: From Initial Cost to Annual Essentials. (n.d.). The Dog People.
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