Brittany Pet Insurance: Is It Worth It? – Best Plans, Cost & Quotes

brittany spaniel pet insurance

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As with any dog, the responsibility of owning a Brittany extends to regular vet check-ups, potential health problems, and accidents.

Irrespective of their age, your Brittany deserves access to medical care to live as long and as happily as possible. As a responsible pet owner, you should not let your finances stand between your Brittany’s ever-needing treatment. But is pet insurance worth it? What is the best pet insurance for dogs? How much will it cost?

Our guide answers all your questions about Brittany’s pet insurance and compares top pet insurance providers to help you find the right policy for your dog. Let’s dive right in!

Table of Contents 📖

The Best Pet Insurance Companies For Brittany

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

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

What Is Pet Insurance?

Getting pet insurance for your Brittany 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 Brittany?

How much does insurance cost for a Brittany? Brittany’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 Brittany is quoted at $45 per month today, that price is subject to change.

We compared quotes for plans for Brittanys 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 Brittanys at different stages in their life. An adult Brittany (5 years old), a young Brittany (1 year old), and a puppy Brittany (3 months old).

Check out this Pet Insurance Comparison table for Brittanys.

Pet Insurance Quotes For Brittany

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50070%Unlimited$57.93Washingtong DC
(zip code: 20007)
MaleBrittany5 years
Embrace$50070%$30,000$69.91Washingtong DC
(zip code: 20007)
MaleBrittany5 years
Lemonade$50070%$100,000$25.50Washingtong DC
(zip code: 20007)
MaleBrittany5 years
Healthy Paws$50070%Unlimited$45.02Los Angeles
(zip code: 90006)
FemaleBrittany1 year
Embrace$50070%$30,000$39.00Los Angeles
(zip code: 90006)
FemaleBrittany1 year
Lemonade$50070%$100,000$31.33Los Angeles
(zip code: 90006)
FemaleBrittany1 year
Healthy Paws$50070%Unlimited$31.09Omaha
(zip code: 68101)
FemaleBrittany3 months
Embrace$50070%$30,000$38.19Omaha
(zip code: 68101)
FemaleBrittany3 months
Lemonade$50070%$100,000$15.33Omaha
(zip code: 68101)
FemaleBrittany3 months

So, how much are you expected to pay for canine insurance for your Brittany?

If you get Pet Insurance for your Brittany, you can expect to pay between $15 to $70 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 June 2022.

Is Pet insurance For Brittany Worth it?

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

1. Avoid Deciding Between Your Wallet And Your Brittany

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

With pet insurance, you will be able to seek out medical care for your sick or injured Brittany without worrying about hurting your finances.

On average, the most common dog treatments cost $252.75, while a more severe and common condition in Brittanys, like Elbow Dysplasia, can cost between $1,500 – $6,000 to diagnose and treat.2

2. Pet Insurance For Brittany Accidents

According to a survey conducted by the American Pet Products Association, nearly 70% of households in the U.S. own a pet, and it’s estimated that 1 in 3 will need emergency veterinary treatment every year.

So, how does that translate to Brittany numbers?

A recent survey found that roughly 90 million dogs live in the United States.3 So, unfortunately, 33% (1 in 3) of Brittany 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 Health Issues For Brittany

The following table shows the most common health conditions Brittany is likely to develop.

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

ConditionRiskCost to Diagnose & Treat
Hip DysplasiaLow$1,500 - $4,000
Elbow DysplasiaMedium$1,500 - $6,000
HypothyroidismHigh$300 - $800 first year, $700 each additional year
EpilepsyHigh$200 - $5,000
ObesityLow$850
CancerLow$8,000 - $15,000
Cryptorchidism (one testicle inside the body)Medium$100 - $350
CataractsHigh$2,700 - $4,000
Cleft PalateMedium$5,000 or higher
Lens LuxationMedium$300 - $3,000 per eye

Other Reasons To Get Dog Insurance For Your Brittany

  • 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 Brittany can spare you financial trouble. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Brittany’s life.


Best Pet Insurance For Brittany

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

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 Brittany.

Best Overall – Healthy Paws

Why is Healthy Paws a good choice for your Brittany?

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 Brittany at a $500 deductible, with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $31 and $58.

With Healthy Paws, you can start protecting your Brittany 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 fees 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

Great For Curable Pre-Existing Conditions – Embrace Pet Insurance

If your Brittany 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 symptoms and are treatment-free.

If you sign up with Embrace, based on our research, you can expect to pay between $38 and $70, but prices may vary depending on your location, Brittany’s age, and other factors.

From tooth extractions to torn ligaments, Embrace has you covered when your Brittany gets hurt unexpectedly. They can also cover Hypothyroidism treatment, which Brittanys 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 Brittany’s annual deductible goes down by $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 are not available in Rhode Island.


Best Value: Lemonade Pet Insurance

Lemonade offers excellent pet insurance coverage for your Brittany at the most affordable price.

Premiums at Lemonade start at just $10 a month (the lowest in the industry) but keep in mind that they will vary by your location, pet’s age, gender, and other factors.

To estimate your monthly premium, we ran a few quotes for a healthy Brittany at a $500 deductible and a 70%, 80%, and 90% coverage. Based on our research, you can expect to pay between $15 and $31.

We love that Lemonade is tech-forward, making it easy to manage your policy and file claims through an app. Their plans cover both 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 costs.

Pros

  • Coverage starts at $5 per month
  • Provides a mobile app and website chat function
  • Giveback program donates unused policy money to charities
  • Waiting period of 2 days for accidents, which is shorter than many competitors
  • Preventive care treatments for puppies and kittens under 2 years old
  • 10% discount for bundling your policy with Lemonade home insurance or renters insurance

Cons

  • Only available in 28 states
  • Doesn’t offer coverage for pets over 14 years old

Average Cost of Brittany 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

Pet Insurance For Brittany Puppy

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

  • Lower Premiums. Younger pets are cheaper to insure than their older counterparts. Because pet insurance rates are based on age, breed and location, your premium is lower with puppies.
  • Covering Future Conditions. If you know your dog breed is predisposed to certain health issues, it’s best to insure your puppy before he shows any symptoms or is diagnosed with an illness or issue. Most pet insurance providers won’t cover pre-existing conditions. However, if your puppy develops one (i.e., cancer, allergies, diabetes) when insured, your pet insurance company will cover the cost and any future expenses.
  • Puppies Get In Trouble. Brittany 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 raising a puppy. From toys and 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. 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 Brittany 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 Brittany needs and finances. Most pet insurance companies nowadays offer a single plan that includes accidents 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.

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?

Pet insurance doesn’t cover it all!

When buying Pet Insurance for your Brittany, you’ll need to carefully review the different plans to see what 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 your pet insurance company and plan.

PRO TIP: Please always read your policy! Request the full list of exclusions before getting pet insurance. This will ensure your Brittany 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 Brittany?

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

  1. Compare the coverage under each plan with your Brittany’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 Brittany 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 Brittany’s age, health, gender, and needs.
  6. The earlier you sign your Brittany for pet insurance, the 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 Brittany Pet Insurance?

So, is pet insurance worth it? The choice is yours, but if you can’t afford to pay for emergency care yourself, you might want to consider pet insurance for your Brittany!

Knowing that your beloved friend will be taken care of (no matter how expensive the diagnosis, treatment, and care costs are) will make you feel better and provide you with peace of mind. Routine care, such as vaccinations and check-ups, is also covered by some wellness plans.

Read the policy carefully and understand the terms and conditions before purchasing pet insurance.


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