Best Pet Insurance For Corgis [2024]: Cost, Quotes & Plans
Canine Bible is reader-supported. We receive affiliate commissions via some of our links. Learn more.
This guide is the most comprehensive resource for finding the best pet insurance for Pembroke Welsh Corgis. Owning a Corgi, like any dog, comes with its share of responsibilities, including regular veterinary check-ups, potential health problems, and accidents. Regardless of your Corgi’s age, they deserve access to medical treatment to ensure a long, happy life. As a responsible pet owner, your finances shouldn’t prevent your Corgi from receiving the necessary care. But is pet insurance worth it? What is the best pet insurance for Corgis? And how much will it cost? We address 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!
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 Pembroke Welsh Corgi Pet Insurance — At A Glance
Best Overall
Best Personalized
Best No-Cap Payouts
Healthy Paws
Great for covering major
medical or ongoing expenses.
Beneficial for high-risk breeds.
What Is Pembroke Welsh Corgi 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 Corgis pet insurance
$34 to $63
How Much Does Pet Insurance Cost For Pembroke Welsh Corgis?
The cost of pet insurance for a Corgi 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 Corgi is quoted at $55 per month, this rate is not fixed and could change.
According to our research, plans for Corgis can range from $34 to $63. You may spend more or less depending on where you live, the deductible rate and the reimbursement percentage you choose. Pembroke Welsh Corgi owners can expect to pay an average $48 monthly premium.
Pet Insurance Quotes For Pembroke Welsh Corgis
We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different life stages in Corgis.
| Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
|---|---|---|---|---|---|---|---|---|
| Lemonade | $500 | 70% | $100,000 | $38.97 | SC, 29044 | Male | Pembroke Welsh Corgi | 6 years |
| Spot | $500 | 70% | Unlimited | $57.74 | SC, 29044 | Male | Pembroke Welsh Corgi | 6 years |
| Healthy Paws | $500 | 70% | Unlimited | $50.08 | SC, 29044 | Male | Pembroke Welsh Corgi | 6 years |
| Lemonade | $500 | 70% | $100,000 | $34.24 | CA, 95842 | Female | Pembroke Welsh Corgi | 2 year |
| Spot | $500 | 70% | Unlimited | $63.16 | CA, 95842 | Female | Pembroke Welsh Corgi | 2 year |
| Healthy Paws | $500 | 70% | Unlimited | $40.92 | CA, 95842 | Female | Pembroke Welsh Corgi | 2 year |
| Lemonade | $500 | 70% | $100,000 | $40.17 | TX, 75219 | Female | Pembroke Welsh Corgi | 6 months |
| Spot | $500 | 70% | Unlimited | $62.46 | TX, 75219 | Female | Pembroke Welsh Corgi | 6 months |
| Healthy Paws | $500 | 70% | Unlimited | $44.41 | TX, 75219 | Female | Pembroke Welsh Corgi | 6 months |
Corgi puppy monthly cost: $49
Adult Corgi monthly cost: $46
Senior Corgi monthly cost: $49
Is Pet Insurance For Pembroke Welsh Corgi Worth it?
The decision to purchase pet insurance for your Corgi hinges on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.
Consider a scenario where your Corgi 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 Corgis, like intervertebral disc disease (IVDD), can cost between $2,500 and $7,000 to diagnose and treat. Can you pay for an unexpected $7,000 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 Corgi 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 Corgi’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 Corgi’s potential future health issues and risks, you can take preventive action today and ensure that your Corgi 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]
1000+
dog parents seek health advice every month.
6.8 %
of Corgis could develop osteoarthritis.[4]
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 Corgi’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 Corgis
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 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 epilepsy
Epilepsy in Corgis is a neurological condition characterized by recurrent seizures, which can range from mild, barely noticeable episodes to severe convulsions. The cause is often genetic, making it a hereditary issue within the breed. Managing epilepsy typically involves long-term medication to control seizures and regular veterinary monitoring.
*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 urinary stones
In dogs, urinary stones form due to minerals crystallizing in the urinary system, influenced by diet, low water consumption, or genetics. Symptoms include difficulty urinating, discomfort, and frequent infections. Managing this issue involves dietary adjustments and ensuring adequate hydration to help prevent and treat 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 retinal dysplasia
Corgis may develop retinal dysplasia, a congenital condition where the retina doesn’t develop properly. This can lead to impaired vision or blindness. The cause is primarily genetic, making responsible breeding practices essential for prevention.
*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 obesity
Obesity is a significant concern in Corgis, primarily caused by overfeeding and lack of exercise. This excess weight puts strain on the dog’s body, leading to joint problems, diabetes, and reduced lifespan. Proper diet and regular exercise are crucial for prevention.
*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 von willebrand disease
This is a blood clotting disorder, similar to hemophilia in humans. Caused by a deficiency of the von Willebrand clotting factor, it leads to excessive bleeding even from minor injuries. The condition is hereditary, making responsible breeding essential to reduce its prevalence.
*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 degenerative myelopathy
This progressive disease of the spinal cord typically appears in older dogs. It results in weakness and paralysis in the hind limbs, eventually leading to full paralysis. The cause is a genetic mutation, and while there’s no cure, supportive care can help manage symptoms and maintain 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 cryptorchidism
In Corgis, Cryptorchidism is marked by the absence of one or both testicles from the scrotum. This often hereditary issue can escalate to cancer risks. Surgical intervention is typically recommended to avert potential 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 intervertebral disc disease
Corgis often suffer from IVDD due to their unique spinal structure. This condition leads to the degeneration of intervertebral discs, causing pain, weakness, and sometimes paralysis. The breed’s genetics and compact physique contribute to this risk.
*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 Corgis?
How to Pick The Best Corgis Pet Insurance
Best Pet Insurance For Corgis
1. Best Overall Corgi Pet Insurance
Lemonade
Who It’s For: Excellent for Corgi 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 Corgis 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 Corgi at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $34 and $40 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 Corgi Pet Insurance
Spot Insurance
Who It’s For: Spot Pet Insurance is ideal for Corgis 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 Corgi 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 Corgi 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, Corgi’s age, and other factors. Spot covers you when your Corgi gets hurt unexpectedly, from tooth extractions and torn ligaments to surgery and hospitalizations.
3. Best No-Cap Payout Corgi 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 Pembroke Welsh Corgi.
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 Pembroke Welsh Corgi at a $500 deductible with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $41 and $50. 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 Corgis
There are two main types of pet insurance plans.
What Does Pet Insurance Not Cover?
When choosing pet insurance for your Corgi, 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 Corgi is adequately covered by the plan you select and help prevent surprises in the future.
Pet Insurance For Corgi Puppies
Should you get pet insurance for your Pembroke Welsh Corgi puppy? Here are the top reasons you should consider Corgi puppy insurance.
Average Cost of Corgi 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 Corgi 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 Corgis 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 Corgis Pet Insurance Work?
Imagine your Corgi’s pet insurance policy has the following terms:
Now, let’s say your Corgi incurs a veterinary bill of $2,000 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 $1,530 for this claim, the remaining yearly payout limit is $15,000 – $1,530 = $13,470.
Frequently Asked Question
Pembroke Welsh Corgis Pet Insurance — Conclusion
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 under their wellness plans, like vaccinations and check-ups. The peace of mind that comes with knowing that you are covered in an emergency is priceless.
Like It? Subscribe & Share!
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.
- Karbe, G. T., Biery, D. N., Gregor, T. P., Giger, U., & Smith, G. K. (2012). Radiographic Hip Joint Phenotype of the Pembroke Welsh Corgi. Veterinary Surgery, 41(1), 34–41.
-
- 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.
