Pet Insurance For West Highland White Terriers (Westies)
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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 protect your finances and pets 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 explores the benefits and considerations of securing the best pet insurance for your West Highland White Terrier, providing peace of mind in managing their healthcare needs. Let’s cut through the fluff and look at why pet insurance isn’t just smart; it’s crucial for keeping your cool in the face of those eye-watering vet bills.
Best West Highland White Terriers Pet Insurance — At A Glance
Best Overall
Lemonade
The most comprehensive
options with excellent
monthly pricing for West Highland White Terrier.
Best Personalized
Spot
Offers the most
customizable plans for your budget
and specific needs of your West Highland White Terrier.
Best No-Cap Payouts
Healthy Paws
Great for covering major
medical or ongoing expenses.
Beneficial for high-risk breeds.
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.
What Is West Highland White Terrier Pet Insurance?
Pet insurance is a healthcare policy that provides coverage for your pet and reimburses specific veterinary expenses. This policy 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.
How Much Does Pet Insurance Cost For West Highland White Terriers?
The cost of pet insurance for a West Highland White Terrier 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 West Highland White Terrier is quoted at $55 per month, this rate is not fixed and could change.
According to our research, West Highland White Terrier plans can range from $31 to $63. You may spend more or less depending on where you live, the deductible rate and the reimbursement percentage you choose. West Highland White Terrier owners can expect to pay an average $44 monthly premium.
The monthly premium for West Highland White Terrier pet insurance
$31 to $63
Pet Insurance Quotes For West Highland White Terriers
We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different West Highland White Terriers life stages.
| Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
|---|---|---|---|---|---|---|---|---|
| Lemonade | $500 | 70% | $100,000 | $31.18 | SC, 29044 | Male | West Highland White Terriers | 6 years |
| Spot | $500 | 70% | Unlimited | $57.74 | SC, 29044 | Male | West Highland White Terriers | 6 years |
| Healthy Paws | $500 | 70% | Unlimited | $41.25 | SC, 29044 | Male | West Highland White Terriers | 6 years |
| Lemonade | $500 | 70% | $100,000 | $33.17 | CA, 95842 | Female | West Highland White Terriers | 2 year |
| Spot | $500 | 70% | Unlimited | $63.16 | CA, 95842 | Female | West Highland White Terriers | 2 year |
| Healthy Paws | $500 | 70% | Unlimited | $33.70 | CA, 95842 | Female | West Highland White Terriers | 2 year |
| Lemonade | $500 | 70% | $100,000 | $37.16 | TX, 75219 | Female | West Highland White Terriers | 6 months |
| Spot | $500 | 70% | Unlimited | $62.46 | TX, 75219 | Female | West Highland White Terriers | 6 months |
| Healthy Paws | $500 | 70% | Unlimited | $36.59 | TX, 75219 | Female | West Highland White Terriers | 6 months |
West Highland White Terrier puppy monthly cost: $45
Adult West Highland White Terrier monthly cost: $43
Senior West Highland White Terrier monthly cost: $43
Is Pet Insurance For West Highland White Terrier Worth it?
The decision to purchase pet insurance for your West Highland White Terrier hinges on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.
Consider a scenario where your West Highland White Terrier 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 West Highland White Terrier, like Pulmonic Stenosis, can cost between $1,000 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 West Highland White Terrier 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 West Highland White Terrier’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 West Highland White Terrier’s potential future health issues and risks, you can take preventive action today and ensure that your West Highland White Terrier 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]
6.5%
of Westies might be prone to allergy skin disorders.
15.7%
of Westies could develop periodontal disease.[4]
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 West Highland White Terrier’s life. Pet Insurance can spare you a lot of financial trouble.
How Pet Insurance Helps With Common Health Conditions In Westies
Cost to treat sick sinus syndrome
Sick Sinus Syndrome in West Highland White Terriers is characterized by abnormal heart rhythms, often leading to episodes of fainting, reduced activity, and weakness. Predominantly seen in older Boxers, this cardiac condition may necessitate treatment with medications or pacemaker implantation to regulate the heartbeat.
*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 pulmonic stenosis
Pulmonic stenosis in West Highland White Terrier is a heart condition characterized by a narrowing of the pulmonary artery, impeding blood flow from the heart to the lungs, leading to potential heart failure. It requires veterinary diagnosis and appropriate treatment for the dog’s wellbeing.
*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 Legg-Calve-Perthes Disease
Legg-Calvé-Perthes Disease in West Highland White Terriers is characterized by the deterioration of the femoral head in the hip joint. This occurs due to inadequate blood supply, leading to bone necrosis. Common in young, small breeds, it causes limping, joint stiffness, and pain, significantly impacting mobility and 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 hernia
Hernias in West Highland White Terriers often involve the abdominal wall, where internal organs or tissues protrude through a gap in the muscle. Common types include umbilical hernias, where the belly button area doesn’t close properly, and inguinal hernias, where the groin area is affected. They can be congenital or result from injury.
*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 ichthyosis
This is a skin condition in Cavaliers where the skin develops excessive scales, resembling fish scales, hence the name. It’s genetic and usually apparent from a young age. Symptoms include flaky skin, dandruff, and sometimes itching. The severity can vary, and it’s generally a cosmetic issue, though severe cases can require management.
*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 chronic inflammatory hepatic disease
This condition involves persistent inflammation of the liver, which can lead to liver dysfunction. The inflammation causes progressive damage and scarring, impairing the liver’s ability to function properly. Causes can include infections, toxins, or immune-mediated processes.
*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 copper hepatopathy
In this disease, excessive copper accumulates in the liver, leading to liver damage. Dobermans may have a genetic predisposition to this condition. The excess copper causes oxidative stress and liver inflammation, which can progress to liver failure if not managed.
*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 craniomandibular osteopathy
This condition involves abnormal bone growth in the jaw and skull of young dogs, often leading to pain and difficulty eating. The cause is not fully understood, but it is believed to have a genetic component. The growth typically stabilizes once the dog reaches maturity, but severe cases may require surgical intervention.
*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 West Highland White Terriers is characterized by inadequate adrenal gland function, resulting in insufficient steroid hormone production. This disease 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.
Why Get Pet Insurance For Westies?
Here is how pet insurance can benefit Westie owners and their pets.
Benefits For Westies
- 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 West Highland White Terrier Pet Insurance
Best Pet Insurance For West Highland White Terriers
1. Best Overall West Highland White Terrier Pet Insurance
Lemonade
Who It’s For: Excellent for West Highland White Terrier 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 picked and recommended it: We named Lemonade our best overall pet insurance for West Highland White Terrier 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 West Highland White Terrier at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $31 and $37 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 West Highland White Terrier Pet Insurance
Spot Insurance
Who It’s For: Spot Pet Insurance is ideal for West Highland White Terrier 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 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 West Highland White Terrier 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 West Highland White Terrier at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $58 and $63, 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 and torn ligaments to surgery and hospitalizations.
3. Best No-Cap Payout West Highland White Terrier 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 West Highland White Terrier.
Deductible: $100, $250 or $500
Reimbursement rates: 70%, 80% or 90%
Annual payout limit: Unlimited
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 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 $34 and $41. 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 West Highland White Terrier
There are two main types of pet insurance plans.
What Does Pet Insurance Not Cover?
When choosing pet insurance for your West Highland White Terrier, 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 West Highland White Terrier is adequately covered by the plan you select and help prevent surprises in the future.
Pet Insurance For West Highland White Terrier Puppies
Should you get pet insurance for your West Highland White Terrier puppy? Here are the top reasons you should consider West Highland White Terrier puppy insurance.
Average Cost of West Highland White Terriers 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 West Highland White Terrier 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 Westies often struggle with cancer and spinal cord disorder. 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 West Highland White Terrier Pet Insurance Work?
Imagine your West Highland White Terrier’s pet insurance policy has the following terms:
Now, let’s say your West Highland White Terrier incurs a $1,000 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 $720 for it, the remaining yearly payout limit is $10,000 – $720 = $9,280.
Frequently Asked Question
The Bottom Line
West Highland White Terrier owners should consider pet insurance. When unexpected health issues arise, choosing the right plan is critical to ensuring your furry friend receives the best care. When deciding, consider coverage options, cost, and the insurance company’s reputation. Researching and comparing different pet insurance plans is critical to finding the best fit for you and your West Highland White Terrier.
Purchasing pet insurance gives you peace of mind that you are prepared for the unexpected and can provide the best care for your furry friend. With the proper coverage, you can be confident that your West Highland White Terrier will receive the necessary medical attention.
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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.
- West Highland White Terriers under primary veterinary care in the UK in 2016: demography, mortality and disorders. Canine Genetics and Epidemiology
- 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.
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