Best Pet Insurance For Boston Terriers: Price, Quotes & FAQs
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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 look at the top pet insurance providers 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!
Why you should trust us: Our writers, editors, and in-house veterinarians spend hours analyzing and reviewing products and services to help find what’s best for you. Read the product review methodology and editorial mission to find out how we test, analyze, and rate.
Best Boston Terriers Pet Insurance — At A Glance
Best Overall
Lemonade
The most comprehensive
options with excellent
monthly pricing for Boston Terriers
Best Personalized
Best No-Cap Payouts
Healthy Paws
Great for covering major
medical or ongoing expenses.
Beneficial for high-risk breeds.
What Is Boston Terrier 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 Boston Terrier pet insurance
$28 to $63
How Much Does Pet Insurance Cost For Boston Terriers?
The cost of insurance for a Boston Terrier 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 Boston Terrier is quoted at $55 per month, this rate is not fixed and could change.
According to our research, plans for Boston Terriers can range from $28 to $63. You may spend more or less depending on where you live, the deductible rate and the reimbursement percentage you choose. Boston Terrier dog owners can expect to pay an average $44 monthly premium.
Pet Insurance Quotes For Boston Terriers
We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different life stages in Boston Terriers.
| Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
|---|---|---|---|---|---|---|---|---|
| Lemonade | $500 | 70% | $100,000 | $28.11 | SC, 29044 | Male | Boston Terrier | 6 years |
| Spot | $500 | 70% | Unlimited | $57.74 | SC, 29044 | Male | Boston Terrier | 6 years |
| Healthy Paws | $500 | 70% | Unlimited | $45.32 | SC, 29044 | Male | Boston Terrier | 6 years |
| Lemonade | $500 | 70% | $100,000 | $28.30 | CA, 95842 | Female | Boston Terrier | 2 year |
| Spot | $500 | 70% | Unlimited | $63.16 | CA, 95842 | Female | Boston Terrier | 2 year |
| Healthy Paws | $500 | 70% | Unlimited | $37.03 | CA, 95842 | Female | Boston Terrier | 2 year |
| Lemonade | $500 | 70% | $100,000 | $31.35 | TX, 75219 | Female | Boston Terrier | 6 months |
| Spot | $500 | 70% | Unlimited | $62.46 | TX, 75219 | Female | Boston Terrier | 6 months |
| Healthy Paws | $500 | 70% | Unlimited | $40.20 | TX, 75219 | Female | Boston Terrier | 6 months |
Boston Terrier puppy monthly cost: $44
Adult Boston Terrier monthly cost: $43
Senior Boston Terrier monthly cost: $45
Is Pet Insurance For Boston Terriers Worth it?
The decision to purchase pet insurance for your Boston Terrier hinges on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.
Consider a scenario where your Boston Terrier 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 Boston Terriers, like Cushing’s Disease, can cost between $3,000 and $10,000 to diagnose and treat. Can you pay for an unexpected $10,000 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 Boston Terrier 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 Boston Terrier’s 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 Boston Terrier’s potential future health issues and risks, you can take preventive action today and ensure that your Boston Terrier 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]
130
Boston Terrier dog parents seek health advice every month.
2
distinct forms of cataracts affect the Boston Terrier. It’s a common problem in this breed.
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 increase costs throughout your Boston Terrier’s 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.Most Common Health Conditions In Boston Terriers
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 cataracts
Cataracts in Boston Terriers result in the eye’s lens 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 patellar luxation
Patellar luxation in Boston Terriers involves the dislocation of the kneecap from its normal position. This condition, often genetic, can cause lameness or an abnormal gait. Factors like trauma or congenital defects contribute to its development. Severity varies, potentially leading to arthritis or reduced mobility in affected dogs.
*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 Legg-Calve-Perthes Disease
Legg-Calvé-Perthes Disease in Boston Terriers is characterized by the deterioration of the femoral head in the hip joint. This occurs due to inadequate blood supply, leading to bone necrosis. Common in young, small breeds, it causes limping, joint stiffness, and pain, significantly impacting mobility and quality of life.
*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 mitral valve disease
Boston Terriers often suffer from mitral valve disease, where the heart’s mitral valve deteriorates. This leads to blood flow issues and potential heart failure. Aging and genetic factors predominantly cause this condition, affecting the dog’s overall cardiac health and stamina.
*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 craniomandibular osteopathy
This condition involves abnormal bone growth in the jaw and skull of young dogs, often leading to pain and difficulty eating. The cause is not fully understood, but it is believed to have a genetic component. The growth typically stabilizes once the dog reaches maturity, but severe cases may require surgical intervention.
*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 cushing’s disease
Also known as hyperadrenocorticism, Cushing’s Disease occurs when the body produces too much cortisol, often due to a tumor in the pituitary or adrenal gland. Symptoms include increased thirst, hunger, urination, and hair loss. Treatment options depend on the underlying cause and can range from medication to surgery.
*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 hydrocephalus
Commonly known as “water on the brain,” this condition is characterized by an abnormal accumulation of cerebrospinal fluid in the brain’s ventricles, leading to increased pressure. In Boston Terriers, it can be congenital or acquired. Symptoms include a domed skull, lethargy, and uncoordinated movement. Treatment may involve surgery or medication.
*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 dystocia
Dystocia refers to difficult labor during childbirth. In Boston Terriers, it can be due to the breed’s relatively large head size and the female’s narrow pelvis. This often necessitates veterinary intervention, such as a cesarean section, to safely deliver the puppies.
*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 cleft palate
This congenital disorder occurs when the roof of the mouth does not fully close during embryonic development, leaving a gap that can affect eating and breathing. The cause is typically genetic. Treatment involves surgical correction, although the timing and approach depends on the severity of the condition.
*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 eye diseases
Boston Terriers are prone to several eye problems, including cataracts, corneal ulcers, and cherry eye. These conditions can cause discomfort, redness, and vision loss. Regular eye exams are important for early detection and treatment, which may include medication or surgery.
*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 vascular ring anomaly
This is a congenital defect where the blood vessels in the heart are abnormally arranged, trapping the esophagus and leading to difficulties swallowing and regurgitation of food. Diagnosis is typically via imaging, and treatment usually involves surgical correction.
*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 glaucoma
Glaucoma in dogs is a condition where increased pressure within the eye leads to damage to the optic nerve, causing pain and potential blindness. It can be hereditary or secondary to other eye conditions. Early detection and treatment, which may include medication or surgery, are critical to prevent vision loss.
*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 Boston Terriers?
Benefits For Boston Terriers
Benefits For Owners
How to Pick The Best Boston Terrier Pet Insurance
Best Pet Insurance For Boston Terriers
1. Best Overall Boston Terrier Pet Insurance
Lemonade
Who It’s For: Excellent for Boston Terrier 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 Boston Terriers 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 Boston Terrier at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $28 and $31 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 Boston Terrier Pet Insurance
Spot
Who It’s For: Spot Pet Insurance is ideal for Boston Terrier dog owners who want the most flexibility when customizing their policy to fit their budget and coverage needs.
What sets it apart from competitors: 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 Boston Terrier 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 Boston Terrier at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $57 and $63, but prices may vary depending on your location, Boston Terrier’s age, and other factors. Spot covers you when your Boston Terrier gets hurt unexpectedly, from tooth extractions and torn ligaments to surgery and hospitalizations.
3. Best No-Cap Payout Boston Terrier 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 Boston Terrier.
What sets it apart from competitors: 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 Boston Terrier at a $500 deductible with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $37 and $45. 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 Boston Terrier
There are two main types of pet insurance plans.
What Does Pet Insurance Not Cover?
When choosing pet insurance for your Boston Terrier, 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 Boston Terrier is adequately covered by the plan you select and help prevent surprises in the future.
Pet Insurance For Boston Terrier Puppies
Should you get pet insurance for your Boston Terrier puppy? Here are the top reasons you should consider Boston Terrier puppy insurance.
Average Cost of Boston Terriers 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 Boston Terrier 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 Boston Terriers 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 Pet Insurance Work?
Imagine your Boston Terrier’s pet insurance policy has the following terms:
Now, let’s say your Boston Terrier incurs a veterinary bill of $1,000 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 $2,400 for this claim, the remaining yearly payout limit is $50,000 – $2,400 = $47,600.
Frequently Asked Question
Boston Terrier Pet Insurance — Conclusion
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 exploring 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.
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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.
- Mellersh, C. S., Graves, K. T., McLaughlin, B., Ennis, R. B., Pettitt, L., Vaudin, M., & Barnett, K. C. (2007). Mutation in HSF4 Associated with Early but Not Late-Onset Hereditary Cataract in the Boston Terrier. Journal of Heredity, 98(5), 531–533.
- 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.
Canine Bible authorship represents the unified voice of our entire editorial team and our in-house veterinarians rather than a single author. Each article, blog post, and review published under the Canine Bible name undergoes a rigorous review process, involving all team members to guarantee accuracy and up-to-date in accordance with the latest veterinarian research. This collaborative effort is an integral part of our editorial process and aligns with our four pillars of content creation. This approach ensures our content is backed by expert knowledge and factual information, offering our readers reliable, actionable, and trustworthy content.
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