Best Pet Insurance For Boston Terriers: Price, Quotes & FAQs

Boston Terrier pet insurance

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This is the most comprehensive guide to finding the best pet insurance for Boston Terriers.

Boston Terrier owners know that these dogs are full of personality and character. From their alert expression to their playful nature, Boston Terriers make great pets. But like any other type of pet, Boston Terriers also get sick, develop health problems or have accidents.

Fortunately, pet insurance can help offset the costs associated with vet bills. But, do you know which provider is the best? How much will you have to pay for coverage? How much will you be reimbursed for your Bostie’s vet bills?

In this blog post, we’ll take a look at the top providers of pet insurance for Boston Terriers and what you can expect to pay in premiums and co-pays and answer every question you may have about insuring your Boston Terrier. Let’s go!

The Best Pet Insurance Companies For Boston Terriers

Here are Canine Bible’s top 3 picks for the best pet insurance for Boston Terriers.

healthy paws pet insurance
Top Pick

Best Overall

embrace pet insurance
Top Pick

Curable Pre-Existing Conditions

pets best pet insurance
Top Pick

Best Value

You can click this link to go straight to the reviews, but we encourage you to keep reading to make a more informed decision about getting pet insurance for your Boston Terrier.

  1. Healthy Paws: Best overall pet insurance for your Boston Terrier.
  2. Embrace Pet Insurance: Great for curable pre-existing conditions.
  3. Pets Best: Best value for your wallet.

What Is Pet Insurance?

Getting pet insurance for your Boston Terrier dog is equivalent to getting health insurance for yourself. Pet Insurance is designed to reimburse dog owners for unexpected veterinary expenses and related fees, giving peace of mind and protecting your savings.

How Much Does Pet Insurance Cost For Boston Terriers?

Boston Terrier’s dog insurance prices will be based on your pet’s pre-existing health conditions, gender, age, location, and other factors.

Keep in mind rising vet costs due to advances in technology and an increasing number of claims in the location where you live can make your monthly payment increase. For instance, if your Boston Terrier is quoted at $45 per month today, that price is subject to change.

We compared quotes for plans for Boston Terriers with three popular pet insurance providers to help you find the best fit for you in terms of monthly premiums and coverage.

We chose three Boston Terriers at different stages in their life. An adult Boston Terrier (5 years old), a young Boston Terrier (1-year-old), and a puppy Boston Terrier (3 months old).


Check out this Pet Insurance cost comparison table for Boston Terriers.

Pet Insurance Quotes For Boston Terriers

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50080%Unlimited$40.41Charlotte nc
(zip code: 28206)
MaleBoston Terrier5 years
Embrace$50080%$30,000$58.86Charlotte nc
(zip code: 28206)
MaleBoston Terrier5 years
Pets Best$50080%Unlimited$24.68Charlotte nc
(zip code: 28206)
MaleBoston Terrier5 years
Healthy Paws$50090%Unlimited$43.58Dallas
(zip code: 75087)
FemaleBoston Terrier1 year
Embrace$50090%$30,000$37.54Dallas
(zip code: 75087)
FemaleBoston Terrier1 year
Pets Best$50090%Unlimited$28.95Dallas
(zip code: 75087)
FemaleBoston Terrier1 year
Healthy Paws$50070%Unlimited$27.13Las Vegas
(zip code: 89106)
FemaleBoston Terrier3 months
Embrace$50070%$30,000$52.98Las Vegas
(zip code: 89106)
FemaleBoston Terrier3 months
Pets Best$50070%Unlimited$19.37Las Vegas
(zip code: 89106)
FemaleBoston Terrier3 months

The cost of Boston Terrier pet insurance can range from $19 to $59 per month. Depending on where you live, what deductible, and the reimbursement percentage you choose, you may spend more or less.

NOTE: The quotes we ran were for dogs with no pre-existing conditions. All quotes are from March 2022.

Is Pet insurance For Boston Terriers Worth it?

It is recommended that you purchase pet insurance to protect your dog and your finances in case of an accident. Depending on your plan, you may receive a reimbursement of 70% to 90% of the vet bill.

Are you still not convinced that insuring your pet is worth the investment?

Here are three main reasons you should consider getting pet insurance for your Boston Terrier.

1. Avoid Deciding Between Your Wallet & Your Boston Terrier

USA Today reports that many dog owners have had to make the terrible decision to euthanize their pup because they didn’t have the money to pay for surgery or treatment.1

With pet insurance, you are to seek out medical care for your sick or injured Boston Terrier without worrying about financial difficulties.

On average, the most common dog treatments cost $252.75, while a more severe and common condition in Boston Terriers, like Mitral Valve Disease, can cost between $500 – $2,000 to diagnose and treat.2

2. Accidents

According to a survey conducted by the American Pet Products Association, 70% of households in the U.S. have a pet, and 1 in 3 will require emergency veterinary care each year.

So, how does that translate to Boston Terriers numbers?

A recent survey found that roughly 90 million dogs live in the United States. So, unfortunately, 33% (1 in 3)  of Boston Terriers may need emergency care this year. 

This could lead to massive vet bills. In fact, the average cost of unexpected veterinary care for dogs is between $250 to $8,000, says Healthy Paws in a recent report.4

Having a good pet insurance plan will cover the majority of the vet costs as most pet insurance policies reimburse up to 80% (some go up to 90%) of total vet expenses after deductibles.

3. Common Boston Terriers Health Issues

The following table shows the most common health conditions Boston Terriers are likely to develop.

We also include the level of risk (susceptibility to each health condition) and how much you are expected to pay.

Imagine if your pet developed any of these conditions and you didn’t have pet insurance. Your finances could be seriously affected. 

ConditionRiskCost to Diagnose & Treat
Patellar LuxationMedium$1,500 - $3,000
Craniomandibular OsteopathyHigh$500 - $2,000
Mitral Valve DiseaseMedium$500 - $2,000
Legg Calve Perthes DiseaseMedium$1,000 - $3,000
CataractsHigh$2,700 - $,4000
Cushing's DiseaseHigh$3,000 - $10,000
HydrocephalusMedium$5,000 - $10,000
DystociaHighVaries
Cleft PalateLow$5,000 or higher
Eye diseasesMedium$300 - $3000
Vascular Ring AnomalyMedium$750 - $5,000
GlaucomaLow$1,400 (one eye) - $1,800 (both eyes)
CancerLow$8000 - $15000

Data Source: Embrace, Wagwalking & Eye Specialists For Animals.

Other Reasons To Get Dog Insurance For Your Boston Terrier

  • Delivers peace of mind
  • Can cover your pet’s hereditary condition
  • Avoid veterinary rising cost
  • Can help you find your missing/stolen pet
  • Can cover third-party liabilities
  • Helps you save money

PRO TIP: If you know your dog breed is prone to develop certain health issues, we highly recommend getting a pet insurance policy when your dog is still healthy. If your dog does develop chronic conditions down the road, you’re guaranteed reimbursement for these issues throughout your dog’s life.

Pet Insurance for your Boston Terrier can spare you a lot of financial trouble. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Boston Terrier’s life.


Best Pet Insurance For Boston Terriers

Here are Canine Bible’s top picks for the best pet insurance for Boston Terriers.

We’ve reviewed each company based on specific breed needs, customer reviews, affordability, and other factors to help you choose the right company and coverage for your Boston Terrier.

Best Overall: Healthy Paws

Why is Healthy Paws a good choice for your Boston Terrier?

There are no caps on payouts when you file a claim under a Healthy Paws insurance plan. 

A Healthy Paws insurance plan may cover accidents, illnesses, cancer, emergency care, genetic conditions, and alternative care.

They have competitive premium prices. We ran a quote for a healthy Boston Terrier at a $500 deductible, with 70%, 80% or 90% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $27 and $44.

With Healthy Paws, you can start protecting your Boston Terrier at just 8-weeks old. You can protect them from anything like a pesky bee sting to parvo.

Once you pay your deductible, there is no limit on the amount your policy can reimburse you. It also has fewer coverage exclusions compared to many competitors. Healthy Paws states that they pay 99% of claims in two days.


PROS
  • You can submit your claim online or via their app
  • Pet are eligible for coverage when they travel with you in the U.S. or Canada (up to 3 months)
  • BBB Rating: A+
  • Great email response time
  • Direct deposit or check reimbursement
  • No limit to how many claims you can make
CONS
  • 15-day waiting period for accident and illness
  • Doesn’t cover veterinary exam fee and behavioral therapies
  • No wellness plan
  • There is a one-time enrollment fee of $25
  • Can’t enroll pets over 4 years old in NY

Embrace Pet Insurance Review: Great For Curable Pre-Existing Conditions

If your Boston Terriers suffers from a curable pre-existing condition Embrace Pet Insurance is your best choice!

Most pet insurance companies do not cover pre-existing conditions, but Embrace distinguishes between curable and incurable pre-existing conditions. They can cover curable conditions after 12 months of symptom and are treatment-free.

If you sign up with Embrace, based on our research, you can expect to pay between $38 and $59, but prices may vary depending on your location, Boston Terrier’s age, and other factors.

From tooth extractions to torn ligaments, Embrace has you covered when your Boston Terrier gets hurt unexpectedly. They can also cover Craniomandibular Osteopathy treatment, which Boston Terriers are prone to, as long as they were diagnosed after coverage.

Claims are addressed fairly quickly (averages 10 to 15 business days), and centers for after-hour treatment are included in emergency care coverage. 

Also, your Boston Terrier’s annual deductible goes down to $50 each year you don’t receive an accident or illness claim reimbursement.


PROS
  • Curable pre-existing conditions eligible for coverage
  • Reimburses for preventative veterinary care, grooming, training, and more with no per-item limits payout caps under their optional Wellness Rewards* plan
  • Coverage for exam fees
  • 24/7 PawSupport Pet Health Line to speak with a pet professional
  • BBB rating is A+
  • 10% multiple pet discounts
  • Coverage when traveling outside of the U.S. with your pet
CONS
  • $25 enrollment fee
  • $1.00 monthly transaction fee
  • Requires a 2-day waiting period for accidents
  • Must call for unlimited claim option

*Wellness Rewards not available in Rhode Island.


Best Value: Pets Best Review

Pets Best offers excellent pet insurance coverage for your Boston Terrier, but that’s also affordable.

We ran a few quotes for a healthy Boston Terrier at a $500 deductible and a 70%, 80%, and 90% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $19 and $29, depending on your location, pet’s age, gender, and other factors.

This company has no upper age limit so that you can enroll your aging Boston Terrier in a plan no matter their age. Keep in mind that rates go up depending on your pet’s age.

Their plans cover emergencies, cancer, illnesses, and other situations your senior dog may encounter. It even includes access to a 24/7 Pet Helpline so you can speak with a veterinarian any time.

It typically has a reasonable claim repayment time of 2 days if you have a direct deposit. If you don’t, it will take between 5-7 days.


PROS
  • Most affordable coverage pricing
  • BBB Rating: A+
  • 24/7 Pet Helpline to speak with a vet expert
  • Pet travel is covered in the U.S., Canada, and Puerto Rico
  • 30-day money-back guarantee
  • Routine care coverage
  • 5% multi-pet discount
  • No age limits
  • Accident and illness exam fee coverage
CONS
  • 14-day waiting period for illness and 3 days for Accident
  • Premiums increase as pet ages
  • 6-month waiting period for CCL injuries
  • Average claim repayment is longer than the competition

Average Cost of Boston Terriers Vet Bills (Healthy Vet Visit vs Emergencies)

Are you wondering how much you would have to pay out of pocket for regular vet visits and emergencies? Here is a breakdown of the average price for both.

If you don’t have insurance, you are likely to pay similar amounts for either type of visit.

Healthy Vet Visits

  • 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

Emergency Vet Visits

  • 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

Sources: Emergency Vets USA & Rover

Pet Insurance For Boston Terriers Puppy

Do your Boston Terrier puppies need pet insurance? The following are the top reasons you should consider Boston Terrier puppy insurance.

  • Lower Premiums. The cost of insuring younger pets is lower than that of older ones. Due to the fact that pet insurance rates are based on age, breed, and location, puppies will have a lower premium.
  • Covering Future Conditions. If you know your dog breed is presdisposed to certain health issues, it’s best to insure your puppy before he shoes shows any symptoms or is diagnosed with an illness or issue. Most pet insurance provides won’t cover pre-existing conditions. However, if your puppy develops one (i.e. cancer, allergies, diabetis) when insured, your pet insurance company will cover the cost and any future expenses.
  • Puppies Get In Trouble. Boston Terriers puppies will eat, chew and lick pretty much anything. They are more prone to suffer from accidents and bacteria, virus infection.
  • Puppy Vet Bills. When you get a puppy for the first time, there are a lot of expenses associated with rasing a puppy. From toys, food to vet-related expenses. In fact, 81% of pet parents spend up to $500 on vet visits in the first year of having a puppy.11 While, the upfront costs for first-year pet ownership typically cost over $1,000 says the ASPCA.

Types of Pet Insurance Coverage

What does pet insurance cover? It depends on your plan. There are two main types of pet insurance plans.

Accident Plans: Covers accident-related medical care such as ingestion of foreign objects, poisoning, or if your Boston Terrier was hit by a car.

Illness Plans: Coves unexpected sickness, disease, and any changes to your dog’s normal healthy state (i.e., allergies and cancer)

You can sign up for 1 or 2 (or both), but this will mostly depend on your Boston Terrier needs and finances. Most pet insurance companies nowadays offer a single plan that includes accident and illness.

In addition to that, pet insurance providers also offer wellness plans, also known as “routine” or “preventative.” care plans. It covers most routine vet visits, such as vaccinations. A wellness plan is not pet insurance.

Take a look at the table below to see the most common items covered by each type of pet insurance plan.


Accident CoverageIllness CoverageWellness Coverage
Broken bonesObesityFlea, tick and worm treatments
Torn ligamentsUTIsRabies
Bite woundsCancerMicrochip
PoisoningHypothyroidism
De-worming
InjuriesDigestive Issues
teeth cleaning
EmergenciesIVDD
Routine testing
Eye InjuriesVomiting and diarrheaAnnual exams
Snake BiteArthritisSpay and neuter
Toxin food ingestionParasitesUrinalysis (ERD)

*i. Not all pet insurance companies offer wellness plans. ii. Coverage items will depend and vary depending on the company and plan you choose.

What Does Pet Insurance Not Cover?

A pet insurance policy won’t cover everything!

You should carefully review the different plans before selecting pet insurance for your Boston Terrier to determine what is and isn’t covered.

Most pet insurance policies exclude the following:

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

This exclusion will vary depending on which pet insurance company and plan you choose.

Pro Tip: Please always READ your policy! Request the full list of exclusions before getting pet insurance. This will ensure your Boston Terrier is fully covered by the plan you pick and help you avoid running into surprises down the road.

How Do I Pick The Right Dog Insurance For My Boston Terrier?

Here are eight tips to help you choose the best pet insurance policy for your Boston Terrier.

  1. Compare the coverage under each plan with your Boston Terrier’s specific health concerns.
  2. Research what illnesses are prevalent in your dog’s breed and pick your plan accordingly (Use our table above for the most common Boston Terriers health issues).
  3. Speak with your veterinarian about your dog’s aging health concerns.
  4. Pick a plan based on the right cost and coverage benefits, not price alone.
  5. Obtain at least three quotes based on the information you provide about your Boston Terrier’s age, health, gender, and needs.
  6. The earlier you sign your Boston Terrier for pet insurance, typically means lower the monthly premiums 
  7. Evaluate and pick the monthly premium, deductibles, and reimbursement amount that best fits your needs.
  8. Narrow down your choices with our recommended top 3 providers.

Should I Get Boston Terrier Pet Insurance?

If your dog ever suffers from a health or accident emergency and cannot pay the vet bills, you will be distraught. We highly recommend dog parents get a dog insurance plan.

Each person’s financial situation and their dog’s needs are crucial to explore all the pet insurance options to ensure Fido is covered from unexpected vet emergencies.

Do not forget that it’s virtual you think proactively about your dog’s health and finances.


Resources & References: [1] USA Today, [2] Value Penguin, [3] Washington Post [4] Healthy Paws Report

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