Best Pet Insurance Plans For Portuguese Water Dogs

Portuguese water dog pet insurance

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This content was reviewed and fact-checked by veterinarian Dr. Aukse Caraite, DVM.

Portuguese Water Dogs (PWDs) are a popular breed known for their playful, energetic personalities and loyal nature. As a pet owner, you want to provide the best care for your furry friend, including ensuring they have the right insurance coverage. Pet insurance can help you manage unexpected medical expenses, such as surgery, treatment, and medication.

This article will explore the best pet insurance options for Portuguese Water Dogs, including coverage options, costs, and more. By the end of this article, you’ll better understand how to choose the best insurance plan for your Portuguese Water Dog. So, whether you’re a new or experienced pet owner, read on for valuable insights on the best pet insurance for Portuguese Water Dogs.

Best Pet Insurance For Portuguese Water Dogs

What Is Portuguese Water Dog Pet Insurance?

Pet insurance is a healthcare policy that covers your Portuguese Water Dog and reimburses specific veterinary expenses. This policy ensures that your savings remain secure despite unforeseen medical costs. It involves a monthly premium. If your pet falls ill or sustains an injury, you can file a claim with the insurance company to recoup your expenses.

How Much Does Pet Insurance Cost For Portuguese Water Dogs?

The cost of pet insurance for a Portuguese Water Dog will vary based on several factors, including the pet’s existing health conditions, sex, age, and area of your residence. 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 Portuguese Water Dog is quoted at $45 per month, this rate is not fixed and could change.

According to our research, Portuguese Water Dog insurance plans can range from $27 to $98. Depending on where you live, the deductible rate, and your chosen reimbursement percentage, you may spend more or less. Portuguese Water Dog owners can expect to pay an average $58 monthly premium.

The monthly premium for PWD pet insurance

$27 to $98

Pet Insurance Quotes For Portuguese Water Dogs

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50070%Unlimited$76.60Colorado
(zip code: 80023)
MalePortuguese Water Dog5 years
Lemonade$50070%$100,000$45.67Colorado
(zip code: 80023)
MalePortuguese Water Dog5 years
Spot Pet Insurance$50070%Unlimited$98.80Colorado
(zip code: 80023)
MalePortuguese Water Dog5 years
Healthy Paws$50080%Unlimited$50.27Utah
(zipcode: 84041)
FemalePortuguese Water Dog1 year
Lemonade$50080%$100,000$33.11Utah
(zip code: 84041)
FemalePortuguese Water Dog1 year
Spot Pet Insurance$50080%Unlimited$86.54Utah
(zip code: 84041)
FemalePortuguese Water Dog1 year
Healthy Paws$50070%Unlimited$53.77Virginia
(zip code: 22310)
FemalePortuguese Water Dog3 months
Lemonade$50070%$100,000$27.68Virginia
(zipcode: 22310)
FemalePortuguese Water Dog3 months
Spot Pet Insurance$50070%Unlimited$73.14Virginia
(zipcode: 22310)
FemalePortuguese Water Dog3 months

PWD puppy monthly cost: $51

Adult PWD monthly cost: $56

Senior PWD monthly cost: $73

The quotes we ran were for dogs with no pre-existing conditions. All quotes are from February 2024.

Is Pet Insurance For Portuguese Water Dogs Worth it?

The decision to purchase pet insurance for your Portuguese Water Dog hinges on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.

Consider a scenario where your Portuguese Water Dog 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 Portuguese Water Dogs, like Hip Dysplasia, can cost between $1,500 and $6,000 to diagnose and treat. Can you pay for an unexpected $6,000 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 Portuguese Water Dog 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 Portuguese Water Dog’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 Portuguese Water Dog’s potential future health issues and risks, you can take preventive action today and ensure that your Portuguese Water Dog 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 dog care.[3]

0.50%

of PWDs may inherit Addison’s disease.[4]

8%

of PWD puppies could be affected by dilated cardiomyopathy.[5]

Dogs that develop chronic conditions under pet insurance coverage are guaranteed reimbursement for these issues for the duration of their life. 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 Portuguese Water Dog’s life. Pet Insurance can spare you a lot of financial trouble.

How Pet Insurance Helps With Common Health Conditions In Portuguese Water Dog

Cost to treat hip dysplasia

Hip dysplasia in PWDs involves abnormal hip joint development, leading to looseness and instability. It is a genetic disorder exacerbated by rapid growth, obesity, and environmental factors. Symptoms include limping, difficulty in movement, and arthritis.

  • Cost: $4,500
  • Pet insurance pays back up to: $4,050*
  • Risk profile: Medium

*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 Addison’s disease

Addison’s Disease in Portuguese Water Dogs is characterized by inadequate adrenal gland function, resulting in insufficient steroid hormone production. This leads to symptoms like fatigue, poor appetite, and gastrointestinal issues. It’s typically managed with lifelong hormone replacement therapy.

  • Cost: $5,000
  • Pet insurance pays back up to: $4,500*
  • Risk profile: High

*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 follicular dysplasia

Follicular dysplasia in PWDs typically manifests as abnormal hair growth or hair loss, often with a change in hair texture. It’s usually a genetic condition, that leads to defective hair follicles. Symptoms often appear early in the dog’s life.

  • Cost: $500
  • Pet insurance pays back up to: $450*
  • Risk profile: High

*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 alopecia

Alopecia in Portuguese Water Dogs is a condition that causes hair loss. It can be caused by genetics, hormonal imbalances, allergies, or skin infections.

  • Cost: $400
  • Pet insurance pays back up to: $360*
  • Risk profile: Medium

*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 juvenile cardiomyopathy

Juvenile Cardiomyopathy is a heart condition that affects young dogs. It involves the deterioration of the heart muscle, leading to heart failure.

  • Cost: $1,000
  • Pet insurance pays back up to: $900*
  • Risk profile: Medium

*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 juvenile distichiasis

Distichiasis is a condition where extra eyelashes (distichia) grow from the glands of the eyelid margin, causing irritation to the eye. These abnormal hairs can rub against the cornea, leading to discomfort and potential damage.

  • Cost: $2,000
  • Pet insurance pays back up to: $1,900*
  • Risk profile: Medium

*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 Portugese Water Dogs?

Here is how pet insurance can benefit PWD owners and their pets.

Benefits For Portuguese Water Dogs

  • Access to better care and health outcomes due to financial barriers removed
  • Cover hereditary conditions and get better breed-specific care
  • Prompt access to medical treatments
  • Ongoing access to healthcare and emergency care
  • Preventive care options
  • Facilitates treatment from specialists

Benefits For Owners

  • Decreases the likelihood of economic euthanasia when the cost is a limiting factor for treatment
  • Reduces unexpected veterinary costs
  • Financial peace of mind
  • Cover third-party liabilities
  • Avoid veterinary rising cost
  • Can help you find your missing/stolen pet

How to Pick The Best Pet Insurance For Portuguese Water Dogs

Pick a type of pet InsuranceWhile the most popular type of pet insurance includes accident and illness coverage, an accident-only policy might be your only choice if your pet is ineligible for it or is beyond your budget. Additionally, if you’re interested in lowering the costs of routine preventative care, seek an insurance provider that also offers wellness coverage.
Check whether your pet is eligibleMost insurance companies mandate that pets be at least 6 to 10 weeks old for eligibility. Conversely, enrolling older pets for the first time may lead to limitations, with some companies offering only accident coverage. Nonetheless, once enrolled, most plans cover your pet for life, provided you continue to pay the premiums.
Pre-existing conditionsMost pet insurance policies do not cover pre-existing conditions unless deemed curable. Some insurers may provide coverage if the pet’s condition is curable and has not required treatment for a specified period, like the past 12 months.
Review cost versus benefitsGet quotes from multiple insurers for your PWD to compare monthly premiums. Consider the value of each plan by weighing the cost against the benefits provided.
Breed-specific needs and coverageConsider your PWD’s age, current health status, and any potential hereditary conditions common in the breed, and pick your plan accordingly.
Compare insurance providersGet quotes from multiple insurers for your PWD to compare monthly premiums. Research and list reputable pet insurance providers offering PWD plans.
Check the fine print and exclusion policyRead the terms and conditions to understand the policy’s limitations and exclusions. Some insurers may also refuse to cover common conditions associated with certain breeds. 
Check waiting periodsTypically, pet insurance coverage kicks in 14 days after signing up. Any treatments your pet receives won’t be covered during this waiting period. However, some plans impose longer waiting periods for certain conditions.
Choose a deductible and reimbursement levelModifying your deductible and reimbursement levels allows you to either raise or lower your monthly premium. Opting for a higher deductible can reduce your premium but might lead to higher costs during vet visits. The ideal balance depends on whether you prefer paying more over time and less during a claim or vice versa.
Sign up as early as possibleThe earlier you sign your pet insurance, the lower the monthly premiums because younger pets are typically healthier and less likely to require extensive veterinary care, which translates to lower risk for the insurance company. Also, some pet insurance plans lock in the premium rate based on the pet’s age at enrollment.
Look for additional perks and discountsSome pet insurers offer multi-pet discounts, loyalty benefits, discounts for microchipped pets, alternative therapy coverage, and travel insurance.

Best Pet Insurance For Portuguese Water Dogs

Best Overall Portuguese Water Dog Pet Insurance

4.9

Lemonade

Who It’s For: Excellent for PWD parents seeking the best all-around comprehensive coverage for accidents & illness at a value price.

Deductible: $100, $250, $500 or $750

Reimbursement rates: 70%, 80% or 90%

Annual payout limit: $5K, $10K, $20K, $50K or $100K

Why we recommended it: We named Lemonade our best overall pet insurance for Portuguese Water Dogs 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 Portuguese Water Dog at a $500 deductible and 70% and 80% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $27 and $45 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.

Best Personalized Portuguese Water Dog Pet Insurance

4.8

Spot Insurance

Who It’s For: Spot Pet Insurance is ideal for Portuguese Water Dog owners who want the most flexibility when customizing their policy to fit their budget and coverage needs.

Deductible: $100, $250, $500, $750 or $1,000

Reimbursement rates: 70%, 80% or 90%

Annual payout limit: $2,500 to Unlimited

Why we 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 Portuguese Water Dog 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 that meets 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 Portuguese Water Dog at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $73 and $98, but prices may vary depending on your location, Portuguese Water Dog’s age, and other factors. Spot covers you when your Portuguese Water Dog gets hurt unexpectedly, from tooth extractions and torn ligaments to surgery and hospitalizations.

Best No-Cap Payout Portuguese Water Dog Pet Insurance

4.7

Healthy Paws

Who It’s For: With no financial cap, it’s ideal for covering major medical or ongoing expenses such as chronic conditions. It’s also beneficial for high-risk breeds such as Portuguese Water Dog.

Deductible: $100, $250 or $500

Reimbursement rates: 70%, 80% or 90%

Annual payout limit: Unlimited

Why we 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 Portuguese Water Dog at a $500 deductible with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $50 and $76. 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 Portuguese Water Dogs

There are two main types of pet insurance plans.

It covers accident-related medical care, such as foreign object ingestion, poisoning, or if your Portuguese Water Dog was hit by a car. Accident-only plans are typically more affordable than accident and illness policies, making this a reasonable option for a pet with many pre-existing conditions.

Common items covered by this plan include: broken bones, torn ligaments, bite wounds, poisoning, injuries, emergencies, eye injuries, snake bites and toxic food ingestion.

These policies are the most popular because they cover accidents and illnesses, including unexpected medical expenses. Because no provider covers pre-existing conditions, it is crucial to sign your pet up for coverage as early as possible.

Common items covered by this plan include: Accidents plus illnesses such as obesity, UTIs, cancer, hypothyroidism, digestive issues, IVDD, vomiting and diarrhea, arthritis and parasites.

Some companies also offer a wellness plan (aka preventative care) during enrollment. This commonly covers routine vet expenses but varies by provider. It’s typically available as an add-on to an accident-only or accident-and-illness policy, but some companies allow you to purchase it without an insurance policy. This add-on coverage isn’t technically an insurance product.

Common items covered by this plan include: Flea, ticket and worm treatments, rabies, microchipping, de-working, teeth cleaning, routine tests, annual exams, spay and neuter and urine analysis.

What Does Pet Insurance Not Cover?

When choosing pet insurance for your Portuguese Water Dog, 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 Portuguese Water Dog is adequately covered by the plan you select and help prevent surprises in the future.

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

Pet Insurance For Portuguese Water Dog Puppies

Here are the top reasons you should consider insurance for your Portuguese Water Dog puppy.

Enrolling your pet at a younger age, when they are healthy and less likely to have developed any health issues, means there’s a lower risk for pet insurance companies, which usually means lower premiums.

Because Portuguese Water Dog puppies are predisposed to certain health issues, it’s wise to insure your Portuguese Water Dog puppy before any symptoms or diagnoses occur. Most pet insurance providers don’t cover pre-existing conditions. However, if your insured puppy develops a condition later, like cancer, allergies, or diabetes, your policy will likely cover its treatment and ongoing expenses.

Portuguese Water Dog puppies are curious and often get into mischief, increasing their risk of accidents and infections from bacteria or viruses.

Raising a puppy comes with various expenses, including vet bills. On average, 81% of pet parents spend up to $500 on veterinary visits during their puppy’s first year. Additionally, the ASPCA notes that the upfront costs of first-year pet ownership can exceed $1,000, including expenses for toys, food, and medical care.

Average Cost of Portuguese Water Dog 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 ProcedureAverage 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 ProcedureAverage 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 therapy500

Sources: 5 & 6

Factors That Impact the Cost of Your Portuguese Water Dog Pet Insurance Policy

Understand Insurance Policy Basics

  • Premium. The amount you pay monthly or annually for your pet insurance policy.
  • Deductible. The money you need to pay out-of-pocket for veterinary expenses before your policy begins to reimburse you. This is typically reset each policy period (annually). However, some pet insurance providers have per-incident deductibles, which you must pay for every new condition your dog suffers before receiving any reimbursement for that incident. Annual vs. per-incident deductibles can impact the amount you’re expected to pay, so read the policy before committing to a company.
  • Reimbursement rate. The percentage of the vet bill the insurance company will pay after you meet your deductible. The most popular reimbursement options are 70%, 80%, and 90%. However, some companies provide different or limited options depending on the dog’s age or location.
  • Annual payout limit. The maximum amount the insurance company will pay in medical bills per year. Having lower payout limits could result in you covering more of the expenses if your pet requires costly veterinary care.
  • Co-pay (co-insurance). The portion of the veterinary bill you must pay after your deductible is met, before reimbursements. In broader health insurance contexts, a “co-pay” often refers to a fixed amount (for example, $20 per doctor’s visit), regardless of the total bill, whereas “co-insurance” is typically a percentage of the total cost.

How Does Portuguese Water Dog Pet Insurance Work?

Imagine your Portuguese Water Dog’s pet insurance policy has the following terms:

  • Annual deductible: $300
  • Reimbursement rate: 90%
  • Annual payout limit: $15,000
  • Co-insurance: 10%

Now, let’s say your Portuguese Water Dog incurs a $2,000 veterinary bill for medical treatment.

  • Paying the deductible: The first step is to pay your deductible, which, in this case, is $300.
  • Applying co-insurance: After the deductible, there’s $1,700 left ($2,000 – $300). The co-insurance of 10% applies to this amount. This means you are responsible for 10% of $1,700, which equals $170.
  • Insurance pays the rest: The insurance will cover 90% of the post-deductible amount. So, the insurance pays 90% of $1,700, which is $1,530.
  • Total out-of-pocket cost: Add up your deductible and co-insurance payments to get your total out-of-pocket cost: $300 (deductible) + $170 (co-insurance) = $470.

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. Since every claim you make contributes to your annual payout limit after the insurance company pays $1,530 for it, the remaining yearly payout limit is $15,000 – $1,530 = $13,470.

Frequently Asked Question

Pet insurance for a Portuguese Water Dog puppy starts at $45 on average.

To save money on pet insurance for your English Cocker Spaniel, consider paying your premiums annually instead of monthly. This is because many insurance companies charge additional transaction fees for monthly payments, which can be reduced or eliminated with annual payments. Additionally, if you have multiple pets, look for insurers that offer multi-pet discounts. This can lead to up to 10% savings on each pet’s insurance over their lifetime. However, it’s important to note that some companies only apply these discounts to additional pets, not the first one, so check this detail before signing up for a new policy.

Ideally, as early as possible, typically 6-10 weeks old, to ensure coverage for breed-specific conditions.

Portuguese Water Dogs are prone to certain breed-specific health issues, such as patellar luxation, neoplasia, and dental disease, which pet insurance can cover more effectively and alleviate the financial burden of covering all the costs yourself.

Older Portuguese Water Dogs can get insurance, but options may be limited, and premiums may increase due to the increased risk of health issues.

Typically, you pay the vet bill upfront, submit a claim form to the insurance company, and get reimbursed as per your policy.

The Bottom Line

Portuguese Water Dogs are a unique breed of dogs with special needs, and getting pet insurance is a wise decision. Portuguese Water Dog pet insurance provides financial protection for unexpected veterinary bills and covers various illnesses and injuries. With the right coverage, you can ensure your friend is protected and receives the best care. Portuguese Water Dog pet insurance is an investment in your pet’s health and well-being, whether for routine check-ups or unexpected emergencies.

If you’re considering adding a Portuguese Water Dog to your family, research and compare different pet insurance options to find the best coverage for your beloved pet.


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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.

  1. Breiner, B. (2023). Average Cost of Pet Insurance: 2023 Quotes. ValuePenguin.
  2. Gillespie, L. (2023, February 23). Bankrate’s Annual Emergency Fund Report. Bankrate.
  3. Healthy Paws Pet Insurance. (2019). 2019 Cost of Pet Health Care Report.
  4. Oberbauer, A., Bell, J., Belanger, J., & Famula, T. (2006). Genetic evaluation of Addison’s disease in the Portuguese Water DogBMC Veterinary Research2(1), 15.
  5. Research Gate: Dilated Cardiomyopathy in Juvenile Portuguese Water Dogs
  6. Average Cost Of Emergency Vet Visits | Find Out What You Will Pay. (2020, March 19). Emergency Vets USA.
  7. Cost of Owning a Dog: From Initial Cost to Annual Essentials. (n.d.). The Dog People.
Editorial Team at Canine Bible

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