Best Pembroke Welsh Corgi Pet Insurance: Cost, Quotes & More

Best Corgi Pet Insurance

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This is the most comprehensive guide to finding the best pet insurance for Pembroke Welsh Corgis.

As with all dogs, owning a Corgi comes with responsibilities, including regular vet check-ups, potential health problems and accidents.

No matter how old or young your Corgi is, they deserve access to medical treatment to enjoy a long, happy life. As a responsible pet owner, you shouldn’t let your finance get in the way of getting treatment your Corgi’s ever needed. But is pet insurance worth it? What is the best pet insurance for Corgis? And how much will you pay?

We cover all your questions about Corgi pet insurance and compare top pet insurance companies to help you find the best provider for your pet. Let’s dive right in!

The Best Pet Insurance Companies For Pembroke Welsh Corgis

Here are Canine Bible’s top 3 picks for the best pet insurance for Pembroke Welsh Corgis.

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 Corgi.

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

What Is Pet Insurance?

Pet insurance is a type of coverage you can buy that reimburses you for your pet’s veterinary care expenses. You pay a monthly or annual fee, and then your insurer will reimburse you for unexpected veterinary expenses and related fees, giving peace of mind and protecting your savings.

How Much Does Pet Insurance Cost For Pembroke Welsh Corgis?

How much does insurance cost for a Corgi? Corgi’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 Corgi is quoted at $55 per month today, that price is subject to change.

In order to help you find the best plan and price in terms of coverage and monthly premiums for Corgis, we compared quotes from three popular pet insurance companies.

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


Check out this pet insurance price comparison table for Corgis.

Pet Insurance Quotes For Pembroke Welsh Corgis

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50070%Unlimited$36.71Kansas City
(zip code: 64105)
MalePembroke Welsh Corgi5 years
Embrace$50070%$30,000$51.58Kansas City
(zip code: 64105)
MalePembroke Welsh Corgi5 years
Pets Best$50070%Unlimited$30.27Kansas City
(zip code: 64105)
MalePembroke Welsh Corgi5 years
Healthy Paws$50090%Unlimited$42.82Charleston SC
(zip code: 29403)
FemalePembroke Welsh Corgi1 year
Embrace$50090%$30,000$56.42Charleston SC
(zip code: 29403)
FemalePembroke Welsh Corgi1 year
Pets Best$50090%Unlimited$22.64Charleston SC
(zip code: 29403)
FemalePembroke Welsh Corgi1 year
Healthy Paws$50080%Unlimited$47.52San Francisco
(zip code: 94102)
FemalePembroke Welsh Corgi3 months
Embrace$50080%$30,000$75.10San Francisco
(zip code: 94102)
FemalePembroke Welsh Corgi3 months
Pets Best$50080%Unlimited$54.59San Francisco
(zip code: 94102)
FemalePembroke Welsh Corgi3 months

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

If you get Pet Insurance for your Pembroke Welsh Corgi, you can expect to pay between $22 to $75 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 February 2022.

Is Pet insurance For Corgis Worth it?

Pet insurance is a good idea if you want to save your dog and your finances from an unfortunate event or a Corgi accident. It will be reimbursed 70% to 90% of the vet bill (depending on your plan).

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

1. Avoid Deciding Between Your Wallet & Your Corgi

It has been reported by USA Today that many dog owners have had to euthanize their pups because they couldn’t afford medical treatment or surgery.1

In the event that your Corgi becomes ill or injured, you shouldn’t have to fret about the cost of medical treatment with pet insurance.

On average, the most common dog treatments cost $252.75.2 While a more severe and common condition in Corgis, like Retinal Atrophy (PRA), can cost ($300 – $3000) to diagnose and treat.

2. 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 Corgis numbers?

According to the latest survey, there are roughly 90 million dogs in the U.S.3 So, unfortunately, 33% (1 in 3) of the Corgis population may end up needing emergency care.

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

In most cases, a good pet insurance policy will cover most vet expenses since policies typically reimburse up to 80% of vet costs after deductibles (some go up to 90%).

3. Common Health Issues For Pembroke Welsh Corgis

Don’t think you need Pet Insurance for your Corgi.

The following table depicts the most common health conditions Corgis are likely to develop. We also include the level of risk (susceptibility to each health condition) and how much you are expected to pay. This may change your mind about pet insurance after reading it.

ConditionRiskCost to Diagnose and Treat
Hip DysplasiaMedium$1500-$6000
IVDDHigh$2500-$7000
Retinal Atrophy (PRA)High$300-$3000
Progressive Retinal AtrophyHighVarious
HypothyroidismHigh$300-$800 first year, $700 each additional year
Degenerative MyelopathyHigh$2000-$4000
Cryptorchidism (one testicle inside the body)Medium$100-$350
Von Willebrand's DiseaseMedium$800-$1500
EpilepsyMedium$200-$5000
Uninary StonesLow$800-$1200 (The additional expenses for sedation or anaesthesia between $500-$1000)
ObesityMedium$850

Other Reasons To Get Dog Insurance For Your Corgi

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


Best Pet Insurance For Pembroke Welsh Corgis

The following companies are Canine Bible’s picks for the best pet insurance for Corgis.

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

Best Overall: Healthy Paws

Why is Healthy Paws a good choice for your Corgi?

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 Corgi at a $500 deductible, with 70%-90% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $37 and $47.

With Healthy Paws, you can start protecting your Corgi 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 Corgi 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 $51 and $75, but prices may vary depending on your location, Corgi’s age, and other factors.

From tooth extractions to torn ligaments, Embrace has you covered when your Corgi gets hurt unexpectedly. They can also cover Degenerative Myelopathy treatment, which Corgis 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 Corgi’s annual deductible goes down $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 great pet insurance coverage for your Pembroke Welsh Corgi, but that’s also affordable.

To estimate your monthly premium, we ran a few quotes for a healthy Corgi at a $500 deductible and a 70%, 80%, and 90% coverage. Based on our research, you can expect to pay between $23 and $55, 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 Corgi 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 Corgi Vet Bills (Healthy Vet Visit vs Emergencies)

Veterinary visits differ considerably in cost depending on whether it is an emergency or a routine check-up. You can expect to pay the following amount for either type of visit without pet insurance.

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 Pembroke Welsh Corgi Puppy

Is it a good idea to insure your Pembroke Welsh Corgi puppy? Listed below are the top reasons you should consider puppy insurance for Corgis.

  • 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 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. Almost anything is edible, chewable, and licked by German Shorthaired Pointer puppies. This makes them more prone to accidents and bacterial and viral infections.
  • 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 Corgi 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 Corgi 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?

It’s not all covered by pet insurance!

You should carefully review the different plans before selecting Pet Insurance for your Corgi 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 Corgi 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 Corgi?

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

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

So, is pet insurance worth it? Ultimately, that’s a question only you can answer. Do your research, consider the options, and ask yourself how much you’re willing to spend on your furry friend’s health.

If you are struggling to keep up with routine care vet vill and your Corgi has health conditions, it’s wise to insure your pet. Some providers offer routine care coverage, like vaccinations and check-ups under their wellness plans.

The peace of mind that comes with knowing that you are covered in case of an emergency is priceless.


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


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