When you purchase through links on our site, we may earn a commission. Here’s how it works.
Boston Terriers are good cuddlers with a silly but calm demeanor. Also known as Bostons, BTs, and the American Gentleman (for their tuxedo coat and good manners), this breed is well-suited in most homes. However, they do have certain serious health risks that you should be aware of.
Because of breeding standards, Bostons have short muzzles and flat faces, making them brachycephalic. Regretfully, these endearing traits often result in some severe health issues. These include brachycephalic airway obstruction syndrome (BOAS) and conditions affecting their teeth and eyes. Several genetic orthopedic, spinal, and other problems passed down through the breed can also affect them.
The financial burden of treating expensive health problems that may develop with a purebred Boston Terrier can be alleviated with pet insurance. So, I’m here to help you identify the best coverage options because I have over 10 years of experience with pet insurance. I can also give you information on the most prevalent health issues and the related expenses so you can make an informed decision for your beloved Border.
Best Pet Insurance For Boston Terriers
Boston Terriers have unique insurance requirements, similar to other purebred dogs. After thorough research, I’ve determined the best pet insurance plans for Bostons. I considered various factors, such as the extent of coverage, breed-related health issues, customization options, a dog’s age, premium costs, and more.
Best For Boston Terrier Puppies: Pets Best
- Policy Options: Accident-Only, Accident & Illness, Wellness
- Annual Deductible Options: $50, $100, $200, $250, $500, $1,000
- Annual Payout Options: $5,000, $10,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Pets Best
I strongly recommend Pets Best if you’re looking for the ideal insurance for your Boston puppy. They provide comprehensive coverage at reasonable premiums, and you can enroll your puppy as early as seven weeks of age, earlier than many other insurers. Furthermore, they have a short three-day accident waiting period, which gives you comfort in knowing your puppy is insured quickly, particularly during those playful times when mishaps may occur or if they eat something they shouldn’t. This provider also has much shorter than average waiting periods for common orthopedic issues in Bostons, such as patellar luxation and hip dysplasia.
Bostons are notorious for dental problems. In addition to gum disease, they suffer from dental developmental abnormalities, such as unerupted teeth and persistent deciduous teeth. These issues are covered by Pets Best as long as you enroll your Boston before six months of age. Pets Best also offers an additional wellness plan that includes $150 to cover professional teeth cleaning, which is essential for preventing serious gum disease.
Expert Price Analysis
When comparing quotes for Boston Terriers of different ages and areas, I found that Pets Best consistently provides some of the most affordable premiums for puppies and, in many cases, older dogs. Their maximum coverage, which includes a $100 deductible, 90% reimbursement, and no payout caps, is also an excellent value.
| Pros | Cons |
|---|---|
| Affordable pricing for Boston Terrier puppies | Reimbursement of claims typically takes 18 to 30 days |
| Offers accident-only policies (rare in the industry) | Added charges to cover veterinary exam fees and complementary care* |
| Covers treatable pre-existing conditions after they have been cured | Accident and illness plan has a 6-month waiting period for CCL rupture coverage |
| 5% discount if you have multiple pets insured | CCL rupture coverage is excluded from accident-only plan |
| Provides a choice of 2 wellness plans | |
| Much shorter waiting periods for hip dysplasia, patella luxation, and IVDD (14 days compared to 6 months) | |
| Older dogs can be enrolled at any age |
In-Depth Review Of Pets Best
If you’re interested in discovering more about this insurer’s plan options, customization features, waiting periods, and other key information, I invite you to read my detailed review of Pets Best.
Most Extensive Coverage: Fetch
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $250, $300, $400, $500, $600, $700
- Annual Payout Options: $5,000, $10,000, $15,000
- Reimbursement Options: 60%, 70%, 80%, 90%
Why I Picked Fetch
If you’re searching for outstanding extensive coverage without the need for add-ons, Fetch could be a perfect choice. All policies’ benefits include coverage for veterinary exam fees, gum disease treatment, complementary care, behavioral therapies, curable pre-existing conditions, and C-sections. Additionally, they have exclusive perks like $1,000 annual coverage for virtual vet consultations without a deductible. With Fetch, you can have peace of mind as they offer pre-approval for procedures and cost estimates before treatment.
Expert Price Analysis
When I looked at quotes for Boston Terriers, I discovered that Fetch’s maximum coverage option ($15,000 payout, 90% reimbursement, and a $100 deductible) was often more affordable than similar plans from other companies. On the other hand, Fetch’s rates for a $5,000 payout, 90% reimbursement, and a $500 deductible were often average to above average, even when I included vet exam fee coverage from other insurers.
| Pros | Cons |
|---|---|
| All policies include more health coverage than most other insurers | 15-day accident waiting period is longer than many providers |
| After one year without symptoms, curable pre-existing conditions are covered | Waiting periods are 6 months for coverage for patellar luxation, hip dysplasia, and CCL ruptures |
| Unique benefits, such as $1,000 for virtual vet visits, pet boarding, trip cancellation, and more | Excludes coverage for IVDD in some cases* |
| Provides an optional wellness plan | No discount if you have multiple pets insured |
| Gives initial approval for medical procedures and cost estimates prior to treatment | |
| Older dogs can be enrolled at any age |
In-Depth Review Of Fetch
For a deeper understanding of this provider’s wide-ranging coverage, unique benefits, personalized options, waiting times, and additional features, be sure to check out my detailed review of Fetch.
Best For Unlimited Payouts: Healthy Paws
- Policy Options: Accident & Illness
- Annual Deductible Options: $100, $250, $500, $750, $1,000
- Annual Payout Options: Unlimited
- Reimbursement Options: 50%, 60%, 70%, 80%, 90%
Why I Picked Healthy Paws
Considering this breed’s susceptibility to many costly health conditions, I recommend looking into a policy without a payout cap. Healthy Paws offers policies with unlimited annual (and lifetime) payouts, ensuring you never have to worry about running out of coverage for your pup’s expensive vet care needs. This comprehensive protection provides peace of mind, knowing that your pet’s health and your financial security are well taken care of.
Although premiums for policies with unlimited payouts may be higher, Healthy Paws offers competitive pricing that is often more affordable than other insurers’ policies with no annual caps and similar deductibles and reimbursement rates. Coupled with Healthy Paws’ long-standing reputation for reliability and excellent customer service, it is an appealing choice for Boston Terrier owners.
Expert Price Analysis
Because Healthy Paws only offers unlimited payouts, it can be difficult to compare its premium costs to other insurance providers. However, its rates for Boston Terriers are frequently comparable or slightly higher than those of other insurers that provide a $5,000 yearly payout and comparable deductibles and reimbursement rates.
| Pros | Cons |
|---|---|
| All policies have unlimited annual and lifetime payouts | Limited customization options for older dogs |
| Very competitive rates compared to those of other insurers’ plans with comparable deductibles, reimbursements, and limitless payouts | Doesn’t offer coverage for vet exam fees or behavioral therapy |
| Quick claim processing—typically 2 days | Some Bostons aren’t insurable due to age and location |
| Shorter waiting periods for CCL ruptures, patellar luxation, and IVDD coverage of 15 days | 12-month waiting period for hip dysplasia coverage is significantly longer than others |
| Complementary therapy included | Dogs enrolled at age 6 or older are not eligible for hip dysplasia coverage |
| One of few insurers to cover pre-existing bilateral conditions for the other side of the body (except CCL injuries) | |
| Consistently highly rated for customer satisfaction |
In-Depth Review Of Healthy Paws
I examine this provider’s coverage and benefits, waiting periods, restrictions, reimbursement process, and other features in my in-depth review of Healthy Paws.
Best For Customizable Plans: Figo
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750
- Annual Payout Options: $5,000, $10,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%, 100%
Why I Picked Figo
Figo provides a range of choices to assist you in designing the ideal pet insurance plan for your beloved Boston. If you’d prefer, you can choose from three pre-established plans for illnesses and accidents. However, you also have the flexibility to modify a custom plan’s deductibles, reimbursement rates, and annual payout to suit your budget. With options like 100% reimbursement and limitless annual payouts, Figo stands out in the pet insurance market.
Along with dental illness benefits, their policies fully cover behavioral and complementary therapies. Figo has a quick one-day accident waiting period and takes three days on average to process claims. Additionally, they provide outstanding customer service.
Expert Price Analysis
When comparing Figo’s pricing for Boston Terriers, their rates for lower coverage ($750 deductible, 70% reimbursement, and $5,000 payout) were often competitive. However, the pricing for their higher coverage varied depending on age and location. Sometimes, it was competitive, and other times, it was above average.
| Pros | Cons |
|---|---|
| Flexible options, including 100% reimbursement, to design the perfect plan | Added charge to cover veterinary exam fees |
| Shortest accident waiting period in the industry, at just 1 day | Waiting periods are 6 months for coverage for patellar luxation, hip dysplasia, IVDD, and CCL ruptures |
| All policies include coverage for dental illness, behavioral therapy, and complementary treatments | Doesn’t cover the removal of deciduous teeth |
| After one year without symptoms, curable pre-existing conditions are covered | |
| Provides an optional wellness plan | |
| Every year you don’t file a claim, your deductible drops by $50 | |
| Quick claim processing—typically 2 days | |
| 5% discount if you have multiple pets insured | |
| Older dogs can be enrolled at any age |
In-Depth Review Of Figo
Read my in-depth review of Figo for a more thorough examination of its plan options, coverage, waiting periods, reimbursement procedure, and other features.
Best For Dental Benefits: Embrace
- Policy Options: Accident-Only, Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750, $1,000
- Annual Payout Options: $2,000, $5,000, $8,000, $10,000, $15,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Embrace
Because of their small mouths and angular skulls, Boston Terriers are among the most common breeds that experience various dental issues. Overcrowded jaws result in an increased risk of misaligned teeth, unerupted adult teeth, and dental disease. Embrace offers some of the best dental benefits available, including coverage for endodontic disease, gum disease, dental developmental abnormalities, tooth extractions and infections, dental injuries, and more. In contrast to many other providers, Embrace’s policies include $1,000 yearly coverage for dental problems.
This provider also offers three wellness plan add-ons, which include coverage for professional dental cleaning. Regular cleanings are crucial for Bostons to help prevent dental disease. In addition to the excellent dental benefits, all policies cover behavioral and complementary therapies. You can also include prescription drugs and veterinary exam costs in your policy to get the most complete coverage.
Expert Price Analysis
I found Embrace’s premium prices were typically just below average to average when comparing quotes for Boston Terrier pet insurance. This was on a policy with a $5,000 payout, a $500 deductible, and a 90% reimbursement. Also, I found that its lower coverage ($1,000 deductible, 70% reimbursement, and $5,000 payout) was quite competitively priced in many instances.
| Pros | Cons |
|---|---|
| Among the most extensive dental benefits available | Added charges to cover veterinary exam fees and prescription medications |
| 10% discount if you have multiple pets insured | Some Bostons aren’t insurable due to age and location |
| Every year you don’t file a claim, your deductible drops by $50 | Waiting periods are 6 months for coverage for patellar luxation, hip dysplasia, IVDD, and CCL ruptures |
| All policies include coverage for dental illness, behavioral therapy, and complementary treatments | |
| After one year without symptoms, curable pre-existing conditions are covered | |
| Short 2-day waiting period for accidents | |
| Provides 3 optional wellness plans |
In-Depth Review Of Embrace
See my comprehensive review of Embrace for more details on this provider’s coverage, add-ons, numerous customization choices, and other features.
Most Affordable: Lemonade
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750
- Annual Payout Options: $5,000, $10,000, $20,000, $50,000, $100,000
- Reimbursement Options: 60%, 70%, 80%, 90%
Lemonade Pet Insurance Is NOT Available In: AK, AZ, DE, HI, ID, KS, KY, LA, ME, MT, WV, WY
Why I Picked Lemonade
Lemonade is an excellent choice for budget-conscious Boston Terrier owners due to its affordability. The basic plan offered by Lemonade is often one of the most economical options available. Lemonade also provides reasonably priced add-ons for vet exam fees, dental illness coverage, behavioral therapy, complementary treatments, and end-of-life care, allowing you to customize your pet’s insurance according to your pup’s specific needs while managing costs.
Despite being a relatively new player in the pet insurance industry, Lemonade has quickly gained recognition since its debut in 2020. This is in large part due to the outstanding customer feedback it has received, particularly regarding its efficient claims processing.
Expert Price Analysis
When comparing insurance quotes for Boston Terriers with a $500 deductible, 90% reimbursement, and a $5,000 payout, Lemonade consistently emerged as one of the most budget-friendly choices. Its rates for lower coverage are highly competitive, though they are average to above average for higher coverage.
| Pros | Cons |
|---|---|
| Budget-friendly premiums for Bostons for low to mid-level coverage | Unavailable in 12 states |
| 5% discount if you have multiple pets insured | Added charges to cover vet exam costs, dental disease, complementary care, and behavioral therapy |
| Quick claim processing—typically 2 days | Waiting period for CCL coverage is 6 months |
| After one year without symptoms, curable pre-existing conditions are covered | |
| Provides an optional wellness plan | |
| Shorter waiting periods for hip dysplasia, patella luxation, and IVDD (30 days compared to 6 months) |
In-Depth Review Of Lemonade
I encourage you to read my extensive review of Lemonade to discover more details about its coverage, many add-ons, reimbursement process, and more.
Best For Vet Direct Pay: Trupanion
- Policy Options: Accident & Illness
- Per-Incident Deductible Options: $0 – $1,000 (in $5 increments)
- Annual Payout Options: Unlimited
- Reimbursement Options: 50%, 60%, 70%, 80%, 90%, 100%
Why I Picked Trupanion
One of the main obstacles to pet insurance is that the pet owner must still pay the veterinarian’s bill up front and then wait for the insurer to reimburse them. However, Trupanion stands out from other insurers because it can eliminate the waiting time for reimbursements. Trupanion has a proprietary VetDirect Pay software that can be installed on your veterinarian’s payment system. If your vet doesn’t have it yet, you can request it.
This is the only company that pays your vet instantly at checkout. Just remember, you’ll still be responsible for your deductible and copay. Due to Boston Terriers’ propensity for numerous costly medical conditions, such as orthopedic problems, eye disorders, dental issues, cancer, and more, VetDirect Pay can relieve your concerns about being unable to cover your vet bill at the time of treatment.
Expert Price Analysis
After comparing quotes from various insurers who offer unlimited payouts, Trupanion’s Boston Terrier insurance premiums were much higher than those of other companies. They usually charged two or three times as much for their premiums.
| Pros | Cons |
|---|---|
| All policies have unlimited annual and lifetime payouts | Consistently the highest premium pricing for Boston Terriers |
| Trupanion can pay your vet directly, so you don’t have to wait for reimbursement | Doesn’t offer coverage for vet exam fees |
| Covers pre-existing bilateral conditions with no signs present 18 months before the policy’s effective date | Long 30-day waiting period for illnesses (14 days is typical) |
| After one year without symptoms, curable pre-existing conditions are covered | |
| Quick claim processing—typically 2 days | |
| Shorter waiting periods for hip dysplasia, patella luxation, CCL ruptures, and IVDD (30 days compared to 6 months) |
In-Depth Review Of Trupanion
Visit my thorough review of Trupanion to learn more about this insurer’s unique VetDirect Pay offering, coverage and exclusions, customizations, waiting periods, and other details.
What Type Of Pet Insurance Plan Is Best For Boston Terriers?
Accident-only and accident and illness plans are your two primary options for pet insurance. Furthermore, some insurance companies offer a wellness plan as an elective during enrollment. Although wellness plans can help you save money on preventive care for your Boston, it’s important to understand that they are not pet insurance.
| Accident-Only | Accident & Illness | Wellness | |
|---|---|---|---|
| Injuries (sprains, fractures, heatstroke, eye trauma, intestinal blockage, wounds, etc.) |  |
|
|
| Diseases (allergies, arthritis, patellar luxation, congenital spinal deformities, heart disease, cancer, etc.) | |
||
| Preventative (routine annual exams and blood work, vaccinations, dental cleaning, etc.) | |
What Are Accident-Only Pet Insurance Plans?
Accident-only plans provide an economical option for owners who want to guarantee that their dogs can receive emergency care in the event of injuries like wounds, fractures, eye trauma, heatstroke, and accidental poisoning. They’re also a good choice for pets with several pre-existing conditions that would be excluded from an accident and illness policy. However, you should be aware that very few insurance companies provide an accident-only plan.
Pricing Tip – Accident-only plans usually have much lower premiums compared to plans that cover both accidents and illnesses.
What Are Accident & Illness Pet Insurance Plans?
Accident and illness plans offer your dog the most complete health insurance. In addition to injuries, these policies cover a variety of diseases and hereditary conditions found in Bostons, such as brachycephalic obstructive airway syndrome (BOAS), skin allergies, ear infections, dental disease, hereditary eye disorders, Cushing’s disease, hemivertebrae, CCL ruptures, and others. With this insurance, you can be prepared to handle almost any health issue that may arise for your pet.
What Are Wellness Plans?
Wellness plans are a beneficial way to cover the costs of regular veterinary checkups, vaccinations, dental cleanings, parasite prevention, and other preventive care for your pet. Adding a wellness plan to your pet insurance is wise to ensure your furry friend remains healthy and can be assessed for any early signs of health problems.
It’s important to note that wellness plans differ from pet insurance and do not cover medical expenses related to illnesses or injuries.
What Does Pet Insurance Cover & Exclude?
When a veterinarian deems it medically necessary, most insurance companies provide coverage for the following conditions under their accident and illness insurance plans. However, it’s important to note that coverage can vary between providers. Since different insurers may impose specific limitations on certain conditions, it’s essential to thoroughly examine your policy.
| Covered | Excluded |
|---|---|
| Blood tests | Boarding |
| Cancer (chemo & radiation) | Cremation & burial costs |
| CT scans | Elective procedures (e.g., declawing, ear cropping, spaying/neutering, tail docking, etc.) |
| Chronic conditions | Food & supplements |
| Congenital conditions | Grooming |
| Emergency care | Pre-existing conditions* |
| Euthanasia | Pregnancy & breeding |
| Hereditary conditions | Vaccines |
| MRIs | |
| Non-routine dental treatment | |
| Prescription medications | |
| Rehabilitation | |
| Specialized exams & care | |
| Surgery & hospitalization | |
| Ultrasounds | |
| X-rays |
Learn More About Pet Insurance Coverage
See my comprehensive article on pet insurance coverage to learn more about certain limitations to keep an eye on when choosing a policy.
What Determines The Cost Of Pet Insurance For Boston Terriers?
Understanding the elements that influence premium pricing is crucial, so here is a quick rundown of the primary factors that insurers consider when determining their rates.
- The age of your pet affects the cost of pet insurance. For instance, due to their increased risk of expensive health problems, older dogs typically have higher insurance rates than younger dogs.
- Premium rates are heavily influenced by local living expenses. Changes in the cost of living affect you and veterinarians alike. Therefore, if you live in a place where living expenses are high, you likely will have to pay more for veterinary care and pet insurance.
- Pet insurance rates are significantly impacted by a dog’s breed. Certain breeds are more prone to health problems than others. Additionally, purebred dogs pose more significant health risks than mixed breeds, affecting insurance costs.
- Male dogs may have higher insurance costs than female dogs. Due to their larger stature, male dogs may require larger dosages of medications, more advanced medical equipment, and additional supplies. Some insurers, however, do not use gender when determining rates.
Despite the fact that certain factors influencing premium costs are beyond your control, you can still create a pet insurance policy that suits your needs and budget. Various customization options are available. Now, let me explain how this works.
Customization Options Affect Cost & Benefits
When searching for a pet insurance plan that meets your specific requirements, you have more options than you might think. Many pet insurance providers offer flexible plans that can be adjusted to fit your financial limits. Firstly, you can choose between a comprehensive accident and illness policy or an accident-only plan. Additionally, you can customize the maximum payout, reimbursement rate, and deductible to align with your budget. However, it’s crucial to understand how these changes will affect your coverage.
What Is A Maximum Payout?
The two types of maximum payouts pet insurance companies offer are usually annual and lifetime. An annual maximum payout is the total sum a provider will reimburse you for your pup’s vet expenses in a single policy year. On the other hand, a lifetime payout represents the highest sum an insurer will provide throughout your pet’s insured lifetime. The companies discussed in this article provide annual payouts, with common options being $5,000, $10,000, and unlimited coverage.
Pricing Tip – Choosing a lower payout will reduce your monthly premium, but if your Boston Terrier’s medical costs surpass your annual limit, you’ll be responsible for more out-of-pocket expenses.
What Is A Deductible?
The term deductible refers to the amount you have to pay out of pocket before your insurance company reimburses you. The usual range of deductibles is $100 to $1,000, with the most popular amounts being $100, $250, and $500. Pet insurance deductibles come in two main varieties: annual and per-condition. I outline their distinctions below.
- Annual deductible: Your policy requires you to pay a certain sum each year in the event that your dog requires medical care. No matter how many medical problems or treatments your dog needs over the year, this is your entire deductible. Having a fixed yearly deductible can help you better manage your pet’s medical care expenses. Most pet insurance providers have annual deductibles.
- Per-condition deductible: Per-condition deductible: For each new condition that requires medical attention for your pet, you will have to pay a per-condition deductible. This can quickly accumulate if your dog has multiple new health problems in a year. The benefit of this type of deductible is that you only have to pay a per-condition deductible once during the insured lifetime of your pet, which can be beneficial for chronic conditions like allergies, Cushing’s disease, arthritis, and others. Trupanion is the only provider that has per-condition deductibles.
Pricing Tip– If you select a lower deductible, your monthly premium will increase, but you’ll pay less out of pocket when your pup needs vet treatment.
What’s The Reimbursement Percentage?
The reimbursement percentage you choose represents how much of your veterinary costs your insurance will cover once you’ve paid your deductible. For example, if you select a 70% reimbursement rate and have a $750 deductible, you’ll pay the $750 upfront and be responsible for 30% of the veterinary bills. Insurance will reimburse you for the remaining 70%. Typical reimbursement rates include 70%, 80%, and 90%.
Pricing Tip – Opting for a lower reimbursement percentage will reduce your monthly premium, but it will also increase your out-of-pocket expenses when your dog requires veterinary care.
Learn More About Pet Insurance Costs
You can find more details and specific examples of how customization options affect your coverage and premium pricing in my in-depth article on pet insurance costs.
How Much Is Pet Insurance For A Boston Terrier?
Enter your zip code and dog’s details in the form below to receive an accurate pet insurance quote for your Boston Terrier. After that, we will present you with customized insurance quotes for your furry friend from several top insurance providers. While examining sample quotes for Bostons can be helpful, keep in mind that your dog’s insurance premium may vary depending on their particular details.
According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. is $56.30 ($31.94 for cats).
I acquired pet insurance quotes for Boston Terriers from the top companies I reviewed above, accounting for age and location variations, to give you a ballpark idea of premium prices. To make the comparison as accurate as possible, I used comparable payouts, reimbursement percentages, and deductibles wherever possible.
*80% reimbursement; †50% reimbursement and $1,000 deductible (no other options); ‡$0 deductible; §Unlimited annual payouts
Boston Terrier Insurance Cost: Lowest & Highest Amounts
To give you an additional point of comparison, I also obtained quotes from the same companies for the highest and lowest monthly premiums for Boston Terrier pet insurance. These quotes factor in the ranges of deductibles, yearly payouts, reimbursement rates, and optional add-ons (except for wellness plans). I also ran quotes for two ages to illustrate how a dog’s age at enrollment impacts insurance premiums.
| Company | 2mo old 95818 (Sacramento, CA) |
5yr old 95818 (Sacramento, CA) | 2mo old 14211 (Buffalo, NY) |
5yr old 14211 (Buffalo, NY) |
2mo old 33604 (Tampa, FL) |
5yr old 33604 (Tampa, FL) |
2mo old 78731 (Austin, TX) |
5yr old 78731 (Austin, TX) |
2mo old 07305 (Jersey City, NJ) |
5yr old 07305 (Jersey City, NJ) |
|---|---|---|---|---|---|---|---|---|---|---|
|
$16-$98 | $21-$132 | $10-$65 | $14-$87 | $14-87 | $17-$108 | $16-$94 | $20-$116 | $23-$130 | $28-$160 |
|
$31-$79 | $58-$150 | $29-$61 | $49-$109 | $32-$72 | $56-$129 | $35-$76 | $60-$134 | $34-$64 | $57-$112 |
 |
$26-$66 | $38-$75 | $25-$52 | Uninsurable | $26-$59 | $40-$102 | $31-$80 | $46-$72 | $31-$62 | $45-$70 |
|
$17-$102 | $22-$132 | $16-$123 | $21-$160 | $13-$98 | $19-$142 | $14-$109 | $21-$158 | $22-$140 | $28-$182 |
 |
$12-$126 | Uninsurable | $13-$117 | $14-$120 | $11-$71 | $14-$93 | $16-$104 | $21-$137 | $16-$108 | $21-$141 |
|
$12-$107 | $17-$137 | $15-$96 | $17-$108 | $11-$74 | $13$99 | $27-$124 | $22-$109 | $18-$106 | $21-$121 |
|
$46-$190 | $93-$408 | $49-$200 | $82-$356 | $56-$166 | $119-$355 | $45-$184 | $87-$379 | $54-$225 | $108-$475 |
What Are Waiting Periods For Boston Terrier Pet Insurance?
The waiting period, which varies based on the insurance company,* is the interval of time between signing up for a pet insurance plan and the start of your coverage. Waiting periods can vary from 0 to 15 days for accidents, but they usually last 14 days for illnesses. Many insurers have longer waiting periods for orthopedic conditions that can affect Boston Terriers, such as patellar luxation, hip dysplasia, CCL tears, and IVDD.
*States are slowly adopting a Model Law for pet insurance. This Model Law attempts to standardize each state’s regulations, which includes a standard for waiting periods that all companies must follow. Waiting periods for California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, Washington, Rhode Island, and Maryland are as follows:
- Accidents – 0 days
- Illnesses – 14 days
- Cruciate Ligament Conditions – 30 days
- Routine Care – 0 days
Learn More About Waiting Periods
Check out my detailed guide on pet insurance waiting periods to discover why insurance companies impose these waiting times and other essential details.
How Does Pet Insurance For Boston Terriers Work?
After the waiting periods on your policy have ended, using pet insurance is simple.
- Pay the entire bill when you take your pup to the veterinarian.
- Submit an itemized receipt and a filled-out claim form to your insurance company. Some insurers may require your veterinarian to sign your claim form, so it’s a good idea to bring a copy to your appointment.
- Once your claim has been accepted, you will get your reimbursement* via your preferred payment method (such as a check or direct deposit).
*Remember that the length of time it takes to process reimbursements can vary depending on the claim’s complexity and the particular timeline established by each company.
17 Health Issues In Boston Terriers
The average lifespan of a Boston Terrier is 11–13 years, which is slightly shorter than some other small-breed dogs. Due to inherited genetic issues, Bostons are susceptible to several expensive diseases. It’s critical to comprehend the potential health issues and related costs of owning a Boston Terrier.
- Boston Terriers frequently experience patellar luxation, a dislocated kneecap. More than half of affected dogs have this issue in both hind knees. To address these ongoing knee complications, surgery is typically necessary, and the expenses can vary between $1,500 and $3,000 for each knee.
- Smaller breeds, such as Bostons, are susceptible to Legg-Calve-Perthes disease, where the head of the femur deteriorates. This genetic condition commonly affects dogs younger than one year. It can lead to chronic arthritis and hip joint collapse. Treatment usually involves hip surgery, medications, and post-op rehabilitation, with expenses typically between $2,000 and $4,000.
- Hip dysplasia occurs when the femur is not aligned correctly with the hip socket. This chronic condition can lead to progressively reduced mobility and increased pain. To enhance the quality of life, surgery is frequently necessary, with costs ranging from $1,700 to $4,500 or even higher.
- Middle-aged BTs have an increased risk for cranial cruciate ligament(CCL) ruptures. When the CCL in their knee tears, orthopedic surgery is frequently necessary. The cost of this procedure can range from $1,600 to over $6,000.
- Bostons and other flat-faced breeds are highly susceptible to brachycephalic obstructive airway syndrome (BOAS). Their distinct skull shapes cause problems with their upper airways. BOAS is a long-term illness that can worsen over time. While some symptoms may be relieved by ongoing medication, severe cases may necessitate surgery. Depending on the procedure required, expenses can be anywhere from $500 to $5,000.
- Dogs with BOAS have a harder time breathing and regulating their body temperature, making them more susceptible to heatstroke. While typical treatment costs range from $500 to $1,000, severe cases might need intensive care and extended hospital stays, which can exceed $15,000.
- BTs are predisposed to chronic allergies, which, depending on their cause and severity, call for different treatment approaches. Throughout a pup’s life, the costs of diagnosis, testing, medications, special diets, creams, and other therapies can exceed $2,000.
- Due to their propensity for allergies, Bostons often suffer from ear infections. The costs associated with diagnostic tests, medications, and initial and follow-up vet visits can exceed $500 per infection.
- Early-onset dental disease is more likely to affect BTs due to their small jaws and crowded teeth. Gum disease prevention is the best course of action. Establishing an at-home dental hygiene routine in addition to the $300–$700 annual cost of professional dental cleanings (which can be partially covered by a wellness plan) is essential. Bostons are also predisposed to some dental developmental problems, such as unerupted teeth, persistent deciduous teeth, and underbites.
- Bostons face a significant risk of developing cataracts, cherry eye, dry eye, and corneal ulcers. Diagnostics can cost as much as $1,000 for eye disorders. Treatment expenses vary depending on the specific issue. For example, cataract surgery typically costs $2,600 to $3,800, while other conditions may require over $1,000 for treatment.
- The overproduction of cortisol in the body leads to Cushing’s disease. A change in diet and lifelong medication are typically required to manage the condition. A diagnosis runs from $500 to $1,500. Medication costs can range from $50 to $200 per month, and surgical options cost from $2,500 to $10,000.
- Mitral valve disease is a chronic, degenerative heart disease that commonly affects Bostons. Diagnosis and medication costs can run from $500 to $2,000. The only cure for mitral valve disease is specialty surgery, which averages $30,000.
- Arthritis is a degenerative joint disease that often necessitates medication along with physical or alternative therapies, which can range from $100 to $500 or more each month. In more severe situations, surgery might be needed, and that can lead to expenses in the thousands.
- Boston Terriers are more likely than many other dog breeds to suffer from hemivertebrae, a congenital spinal deformity that can lead to spinal cord damage or disability. Anti-inflammatory drugs may help in mild cases, but moderate to severe cases require advanced imaging and surgery. The imaging costs range from $1,000 to $3,000, and surgery costs between $1,500 to $4,000.
- Intervertebral disc disease (IVDD) occurs when the discs between the vertebrae shift into the spinal canal. To identify and manage IVDD, veterinarians typically suggest various methods such as X-rays, CT scans, MRIs, medications, surgical options, regular checkups, alternative treatments, and sometimes even hospitalization. The costs for diagnosis and treatment can vary significantly, ranging from $3,000 to $8,000.
- Craniomandibular osteopathy (CMO) is a painful hereditary condition that affects small terrier puppies, typically between the ages of 3 to 8 months. This condition causes swelling in the bones of the skull and jaw as they grow. The cost for diagnosis and treatment can vary, ranging from $500 to $2,000. Fortunately, puppies eventually grow out of CMO.
- Bostons are at a high risk for skin cancers, such as mast cell tumors (MCTs) and melanomas. Surgical removal is typically required, with the average surgery cost ranging from $500 to $1,000. Skin cancer that’s spread also requires radiation/chemotherapy, which can cost from $4,000 to $10,000.
Is Pet Insurance Worth It For Boston Terriers?
Here are some statistics to consider. In the Orthopedic Foundation for Animals (OFA) breed health survey of Boston Terrier owners about vet-diagnosed conditions, 27% of respondents said their Boston has had significant health problems. Breaking it down into common conditions, 23% of owners reported allergies, 14% eye disorders, and 12% orthopedic problems.
Furthermore, the OFA’s 2023 testing statistics of Boston Terriers reveal that 13% tested positive for hip dysplasia, over 13% had dental problems, nearly 5% for patellar luxation, and 18% for at least one eye abnormality.
Pet insurance for Boston Terriers is crucial because of the breed’s propensity to experience costly health issues. By purchasing pet insurance, you can ensure your furry friend gets the care they need if an unexpected health emergency or illness arises. Getting your dog insured before any medical problems occur is essential because pet insurance companies don’t cover most pre-existing conditions.
Determine If Your Boston Terrier Needs Insurance
To help you make an informed choice, I recommend reading my in-depth guide on whether pet insurance is worthwhile. It can assist you in balancing the pros and cons.
5 Steps To Find The Best Pet Insurance For Boston Terriers
The following are the most important factors to take into account when choosing the best insurance plan for your Boston Terrier.
- Consider each insurer’s financial stability and reputation. Long-standing pet insurance providers are typically more trustworthy than those with less expertise.
- Consider any potential health issues your Bosten might develop as you carefully review the policy details to see how each condition is handled.
- Decide if you want an accident-only or accident and illness policy.
- Make sure you know how reimbursement works and how long each provider’s claim processing time is on average.
- Request at least 3 pet insurance companies for quotes to compare prices effectively.
Methodology
To determine the best pet insurance for Boston Terriers, we analyzed more than 40 U.S. pet insurance companies to provide an unbiased breakdown of how providers compare against one another. Our in-depth research includes:
- Running thousands of price quotes
- Reading hundreds of customer reviews
- Scrutinizing every policy from top to bottom and reading all the fine print
- Scoping out the purchase process
- Speaking with customer service representatives
- Having firsthand experience submitting claims with companies
- Comparing plan customization details
- Examining how long it takes to receive reimbursement
- Factoring in company history and years in the pet insurance marketplace
- Meeting with company representatives to discuss changes related to the industry, their company, and their offerings
- Requiring national experience for companies
Unlike many other review sites, we refuse to let pet insurance companies pay for the top spot in our rankings. Companies must earn their position in our comparisons by performing well in the marketplace. We also point out each company’s pros and cons in light of their competitor’s strengths. In doing so for over a decade, we’ve helped pet parents make more educated decisions among the top pet insurance options. Pet insurance providers read our reviews, regularly check them for accuracy, and value our input to help create positive industry changes and better protect your pets. We only recommend the best of the best because it’s what our readers deserve.
Additional Pet Insurance Resources
Why Trust Canine Journal?
Canine Journal has been covering the topic of pet insurance since 2012, well before other conglomerates discovered the rising popularity of health care for our pets. Many of our authors have personal experience with pet insurance, including Kimberly Alt, who has been Canine Journal’s go-to writer for pet insurance for over a decade, having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head, she can find it within minutes due to her vast list of resources. Kimberly also has extensive knowledge of dog health conditions, which can help her recommend pet insurance providers to pet owners with specific breeds.
Kimberly collaborated with Sally Jones, a seasoned health sciences communications professional with decades of experience. Sally specializes in dog health and is adept at producing content on technical topics such as pet insurance. Her wealth of knowledge and insight played a crucial role in this article’s thorough research and composition.
Kimberly also consulted with Michelle Schenker, Canine Journal’s in-house licensed insurance agent, for additional expertise to ensure accuracy and give Canine Journal the authority to write about and assist readers in purchasing policies that are accurately represented.
