Top Pet Insurance For West Highland White Terriers: Cost & Quotes

Best Pet Insurance For West Highland White Terriers

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West Highland White Terriers, or “Westies,” are a popular breed known for their outgoing personalities and loyalty. As a Westie owner, you want to ensure that your pet is protected in the event of illness or injury. With so many pet insurance options available, deciding on the best plan for your West Highland White Terrier can be difficult.

This article will provide a comprehensive overview of Westies’s best pet insurance options to help you make an informed decision. We’ve researched and evaluated the top insurance providers to provide the most comprehensive and up-to-date information to help you find the best West Highland White Terrier pet insurance.

The Best Pet Insurance For West Highland White Terriers

Here are Canine Bible’s top picks for the best pet insurance for West Highland White Terriers

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 West Highland White Terrier.

What Is Pet West Highland White Terriers Insurance?

Getting pet insurance for your West Highland White Terrier 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 them peace of mind and protecting their savings.

How Much Does Pet Insurance Cost For West Highland White Terriers?

West Highland White Terrier’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 technological advances and an increasing number of claims in your location, which can increase your monthly payment. For instance, if your West Highland White Terrier is quoted at $45 per month today, that price is subject to change.

We compared quotes for plans for West Highland White Terriers 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 West Highland White Terriers at different stages in their life.

  • An adult West Highland White Terrier (5 years old)
  • A young West Highland White Terrier (1-year-old)
  • A puppy West Highland White Terrier (3 months old).

Check out our Pet Insurance Comparison table for West Highland White Terriers below.

Pet Insurance Quotes For West Highland White Terriers

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Lemonade$50070%$100,000$31.18SC, 29044MaleWest Highland White Terriers6 years
Spot$50070%Unlimited$57.74SC, 29044MaleWest Highland White Terriers6 years
Healthy Paws$50070%Unlimited$41.25SC, 29044MaleWest Highland White Terriers6 years
Lemonade$50070%$100,000$33.17CA, 95842FemaleWest Highland White Terriers2 year
Spot$50070%Unlimited$63.16CA, 95842FemaleWest Highland White Terriers2 year
Healthy Paws$50070%Unlimited$33.70CA, 95842FemaleWest Highland White Terriers2 year
Lemonade$50070%$100,000$37.16TX, 75219FemaleWest Highland White Terriers6 months
Spot$50070%Unlimited$62.46TX, 75219FemaleWest Highland White Terriers6 months
Healthy Paws$50070%Unlimited$36.59TX, 75219FemaleWest Highland White Terriers6 months

How Much Can You Expect to Pay For West Highland White Terriers Canine Insurance?

If you get Pet Insurance for your West Highland White Terrier, you can expect to pay between $25 to $105 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 2023

Is Pet insurance For West Highland White Terriers Worth it?

Here are three main reasons why you should consider getting pet insurance for your West Highland White Terrier

1. Avoid Deciding Between Your Wallet And Your West Highland White Terrier

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

Pet insurance allows you to seek medical care for your sick or injured West Highland White Terrier without worrying about hurting your finances.

On average, the most common dog treatments cost $252.75, while a more severe and common condition in West Highland White Terriers, like Craniomandibular Osteopathy, can cost between $500 – $2,000 to diagnose and treat.[2]

2. Pet Insurance For West Highland White Terriers 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 West Highland White Terrier numbers?

A recent survey found that roughly 90 million dogs live in the United States.[3] So, unfortunately, 33% (1 in 3) of West Highland White Terriers 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] Sadly, only 61 percent of Americans cannot cover a $1,000 emergency.[5]

A good pet insurance plan will cover most 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 West Highland White Terriers

The following table shows the most common health conditions West Highland White Terriers are 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
Epidermal DysplasiaHigh$1,000 - $5,000
Chronic Active HepatitisHigh$500 - $5,000
Craniomandibular OsteopathyHigh$500 - $2,000
Pulmonic StenosisMedium$1,000 - $7,000
Copper HepatopathyMedium$200 - $1,000
HerniaMedium$150 - $500
PanosteitisMedium$200 - $800
Sick Sinus SyndromeMedium$5,000 - $15,000
Legg-Perthes DiseaseHigh$1,000 - $3,000
Addison’s DiseaseHigh$1,000 - $5,000
IchthyosisHigh$200 - $1,000

Other Reasons To Get Dog Insurance For Your West Highland White Terrier

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

Best Pet Insurance For West Highland White Terriers

Here are Canine Bible’s top picks for the best pet insurance for West Highland White Terriers.

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 West Highland White Terrier.

Best Overall — Healthy Paws

Our rating: 4.8

We named Healthy Paws our best overall pet insurance for your West Highland White Terrier for its comprehensive coverage, pricing, availability, and customer service. 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 West Highland White Terrier at a $500 deductible, with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $28 and $51.

With Healthy Paws, you can start protecting your West Highland White Terrier at eight 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.


  • 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


  • 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 N.Y.

Best Value — Lemonade Pet Insurance

Our rating: 4.7

Lemonade offers excellent pet insurance coverage for your West Highland White Terrier at the most affordable price. While your monthly premium cost will vary by location, pet’s age, gender, and other factors, Lemonade premiums usually start at just $10 a month, the lowest in the industry.

To estimate your monthly premium, we ran a few quotes for a healthy West Highland White Terrier at a $500 deductible and 70%, 80%, and 90% coverage. Based on our research, you can expect to pay between $25 and $33.

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 costs.


  • 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


  • Doesn’t offer coverage for pets over 14 years old

Most Customizable Plans — Spot Insurance

Our rating: 4.7

Spot Pet Insurance is ideal for West Highland White Terriers dog owners who want a variety of ways to customize their policy. Spot 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 West Highland White Terrier gets sick, you pay less upfront before your plan starts paying. With so many customization options, this company it’s 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.

If you sign up with Spot Pet Insurance, based on our research, you can expect to pay between $52 and $105, but prices may vary depending on your location, West Highland White Terrier’s age, and other factors.

Spot covers you when your West Highland White Terrier gets hurt unexpectedly from tooth extractions to torn ligaments. They can also cover Epidermal Dysplasia treatment, which West Highland White Terriers are prone to, as long as they were diagnosed after coverage.


  • Low $100 deductible is available
  • Has seven options for coverage limits
  • Multipet discount of 10%
  • Two optional wellness plans are available
  • Has a 24/7 pet telehealth line


  • The waiting period for accident coverage is 14 days
  • Does not cover prescription pet food
  • Limited knee and ligament coverage (bilateral condition policies)

Great For Pre-Existing Conditions

If your West Highland White Terrier 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.

West Highland White Terriers Average Vet Bill Cost (Healthy Vet Visits 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 will likely pay similar amounts for either 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 West Highland White Terriers Puppy

Should you get pet insurance for your West Highland White Terrier puppy?

Here are the top reasons you should consider West Highland White Terriers 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. West Highland White Terriers puppies eat, chew, and lick almost anything. They are more prone to suffer from accidents and bacteria and virus infections.
  • 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 costs. 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 West Highland White Terrier 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 West Highland White Terrier’s 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.

The Most Common Items Covered Per Type of Pet Insurance

Accident CoverageIllness CoverageWellness Coverage
Broken bonesObesityFlea, tick and worm treatments
Torn ligamentsUTIsRabies
Bite woundsCancerMicrochip
InjuriesDigestive Issues
teeth cleaning
Routine testing
Eye InjuriesVomiting and diarrheaAnnual exams
Snake BiteArthritisSpay and neuter
Toxin food ingestionParasitesUrinalysis (ERD)

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 West Highland White Terrier, 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.

Tip: Please always read your policy. Request the complete list of exclusions before getting pet insurance. This will ensure your West Highland White Terrier is fully covered by the plan you pick and help you avoid surprises down the road.

How Do I Pick The Right Dog Insurance For My West Highland White Terrier?

Here are eight tips to help you choose the best pet insurance policy for your West Highland White Terrier.

  • Compare the coverage under each plan with your West Highland White Terrier’s specific health concerns.
  • Research what illnesses are prevalent in your dog’s breed and pick your plan accordingly (Use our table above for the most common West Highland White Terriers health issues).
  • Speak with your veterinarian about your dog’s aging health concerns.
  • Pick a plan based on the right cost and coverage benefits, not price alone.
  • Obtain at least three quotes based on the information you provide about your West Highland White Terrier’s age, health, gender, and needs.
  • The earlier you sign your West Highland White Terrier for pet insurance, typically means lower the monthly premiums.
  •  Evaluate and pick the monthly premium, deductibles, and reimbursement amount that best fits your needs.
  • Narrow down your choices with our recommended top 3 providers.

Should I Get West Highland White Terriers Pet Insurance?

West Highland White Terrier owners should think about pet insurance. When unexpected health issues arise, choosing the right plan is critical to ensuring that your furry friend receives the best care. When making your decision, consider coverage options, cost, and the insurance company’s reputation. It is critical to research and compare different pet insurance plans to find the best fit for you and your West Highland White Terrier.

Purchasing pet insurance gives you the peace of mind that you are prepared for the unexpected and can provide the best care for your furry friend. You can be confident that your West Highland White Terrier will receive the necessary medical attention if you have the proper coverage.

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Canine Bible uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.

[1] USA Today, [2] Value Penguin, [3] Washington Post [4] Healthy Paws Report [5] CNBC

Editorial Team at Canine Bible | + posts

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.

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