Best Pet Insurance Plans For Portuguese Water Dogs

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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
Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
---|---|---|---|---|---|---|---|---|
Healthy Paws | $500 | 70% | Unlimited | $76.60 | Colorado (zip code: 80023) | Male | Portuguese Water Dog | 5 years |
Lemonade | $500 | 70% | $100,000 | $45.67 | Colorado (zip code: 80023) | Male | Portuguese Water Dog | 5 years |
Spot Pet Insurance | $500 | 70% | Unlimited | $98.80 | Colorado (zip code: 80023) | Male | Portuguese Water Dog | 5 years |
Healthy Paws | $500 | 80% | Unlimited | $50.27 | Utah (zipcode: 84041) | Female | Portuguese Water Dog | 1 year |
Lemonade | $500 | 80% | $100,000 | $33.11 | Utah (zip code: 84041) | Female | Portuguese Water Dog | 1 year |
Spot Pet Insurance | $500 | 80% | Unlimited | $86.54 | Utah (zip code: 84041) | Female | Portuguese Water Dog | 1 year |
Healthy Paws | $500 | 70% | Unlimited | $53.77 | Virginia (zip code: 22310) | Female | Portuguese Water Dog | 3 months |
Lemonade | $500 | 70% | $100,000 | $27.68 | Virginia (zipcode: 22310) | Female | Portuguese Water Dog | 3 months |
Spot Pet Insurance | $500 | 70% | Unlimited | $73.14 | Virginia (zipcode: 22310) | Female | Portuguese Water Dog | 3 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.
*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.
*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.
*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.
*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.
*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.
*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
Best Pet Insurance For Portuguese Water Dogs
Best Overall Portuguese Water Dog Pet Insurance
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
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
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.
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.
Pet Insurance For Portuguese Water Dog Puppies
Here are the top reasons you should consider insurance for your Portuguese Water Dog puppy.
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 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 Portuguese Water Dog 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 Portuguese Water Dog often struggle with cancer and spinal cord disorders. These breed tendencies could influence your pet insurance expenses.
Location
Pet insurance companies consider local veterinary care expenses when setting your policy’s price.
Pet’s Age
Older pets generally have more health problems, which results in higher insurance premiums because the insurance company is at a higher risk.
Understand Insurance Policy Basics
How Does Portuguese Water Dog Pet Insurance Work?
Imagine your Portuguese Water Dog’s pet insurance policy has the following terms:
Now, let’s say your Portuguese Water Dog incurs a $2,000 veterinary bill 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. 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
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.
- 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.
- Oberbauer, A., Bell, J., Belanger, J., & Famula, T. (2006). Genetic evaluation of Addison’s disease in the Portuguese Water Dog. BMC Veterinary Research, 2(1), 15.
- Research Gate: Dilated Cardiomyopathy in Juvenile Portuguese Water Dogs
- 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.
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