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Best Pet Insurance For Cocker Spaniels


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Cocker Spaniels were initially bred for hunting but quickly became a favorite breed among families. Cockers are easily trained, make excellent playmates for children, and have a fun-loving nature. However, like all purebred breeds, Cockers face certain health issues.

Common concerns include allergies, eye problems, thyroid issues, autoimmune disorders, various orthopedic conditions, liver disease, pancreatitis, and more. Managing your Cocker’s health can be stressful and costly. Thankfully, pet insurance can alleviate some of that financial strain by covering a large portion of veterinary expenses.

With 10 years of experience in pet insurance and a deep understanding of breed-specific health issues, I am here to help you navigate the common health challenges Cocker Spaniels face and their associated treatment costs. I will also assist you in deciding if pet insurance is the right fit for your dog and offer my top recommendations for plans that suit your needs.

Best Pet Insurance For Cocker Spaniels

Like all purebred dogs, Cocker Spaniels have distinct insurance needs. After extensive research, I have identified the top pet insurance options for Cockers. I took into account several factors, including the breadth of coverage, breed-specific health concerns, customization choices, the dog’s age, premium rates, and additional considerations.

Best Value: Pets Best

pets best logo 250 transparent
  • 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

Pets Best provides extensive coverage for Cocker Spaniel owners at an exceptional value. They have three tiers of insurance plans that can be easily customized to suit your specific needs and financial situation. In addition to this, Pets Best is one of the few providers that offer an accident-only policy, which is an excellent option for those looking to save money.

Pets Best stands out from other insurers by having shorter waiting periods for conditions such as patellar luxation, hip dysplasia, and intervertebral disc disease (IVDD), which are common issues for Cockers. They also offer an optional wellness plan at a low monthly cost. Whether you’re looking for basic insurance or maximum coverage, check out this insurer.

Expert Price Analysis

In many cases, Pets Best provided some of the lowest quotes when I compared insurance for Cocker Spaniels of different ages and locations — particularly when I added coverage for veterinary exam fees and complementary care. But where Pets Best really shines for its superb value is its maximum coverage ($100 deductible, 90% reimbursement, and unlimited payout), which is consistently more affordable than other insurers with the same benefits.

Pros Cons
Unbeatable value for extensive coverage and maximum benefits Claim reimbursement takes an average of 18 to 30 days (much longer than most)
One of the few pet insurance companies with an accident-only policy Must upgrade plan to get coverage for vet exam fees and complementary care*
Covers pre-existing conditions that can be cured once they have healed Lengthy 6-month waiting period for CCL rupture coverage (accident and illness plan)
Save 5% by insuring more than one pet Accident-only plan excludes coverage for CCL ruptures
Offers a selection of 2 wellness plan add-ons
14-day waiting periods for patella luxation, hip dysplasia, and IVDD (many others are 6 months)
No age restrictions to enroll older dogs
*Complementary care can encompass physical therapy, rehabilitation, acupuncture, chiropractic care, laser treatment, hydrotherapy, and physiotherapy, among other modalities.

In-Depth Review Of Pets Best

I encourage you to read my thorough review of Pets Best to discover more about its multiple plan and customization options, waiting periods, and other important details.

Best For All-Inclusive Plans: Fetch

fetch logo 250 transparent
  • 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

Fetch is an excellent choice for Cocker owners who want comprehensive pet insurance coverage without the hassle of upgrades or add-ons. Fetch distinguishes itself in the pet insurance market because all policies include coverage for vet exam fees, complementary care, dental illness, behavioral therapies, and even C-sections. Unlike many other insurers, these benefits are already included and don’t require any additional fees.

In addition to this extensive coverage, Fetch also offers some unique benefits. For instance, all policies provide up to $1,000 annually (with no deductible) for online vet consultations. They also offer trip cancellation coverage if your pet falls ill. Fetch goes the extra mile by providing pre-approval for procedures and cost estimates before treatment. Knowing that your Cocker is already approved for the vet care they need can be extremely reassuring.

Expert Price Analysis

In many cases, Fetch’s pricing for a Cocker Spaniel pet insurance policy with a $5,000 payout, 90% reimbursement, and a $500 deductible was competitively priced when I factored in comparable add-ons with other insurers. Also, its maximum coverage ($15,000 payout, 90% reimbursement, and $100 deductible) was often more affordable than other insurers offering similar coverage.

Pros Cons
All-inclusive policies requiring no add-ons Lengthy 15-day waiting period for accidents
Curable pre-existing conditions are covered after having no symptoms for a year Waiting periods for coverage of patellar luxation, hip dysplasia, and CCL ruptures are 6 months
Unique benefits (e.g., $1,000 for virtual vet consultations) included in all policies Coverage for IVDD is excluded in some cases*
Wellness plan add-on available No discount for insuring more than one pet
Provides preliminary approval for medical procedures and treatment cost estimates
No age restrictions to enroll older dogs
*Excludes intervertebral disc disease (IVDD) when another disc in the same or neighboring spinal region was previously treated or showing clinical signs before the policy’s effective date or during the waiting period.

In-Depth Review Of Fetch

Read my in-depth review of Fetch to gain a comprehensive insight into this insurer’s all-inclusive policies, distinctive benefits, customizations, waiting periods, and more.

Best For Unlimited Payouts: Healthy Paws

healthy paws chubb logo 250 png
  • 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

When searching for pet insurance for Cocker Spaniels, it can be a good idea to consider a plan with no annual payout limits, such as Healthy Paws. This is because Cockers are prone to many expensive injuries and genetic health problems. With Healthy Paws’ unlimited annual and lifetime coverage, you can have peace of mind knowing that your furry friend can receive all the necessary vet care should they experience multiple costly issues in a single year.

Although Healthy Paws pet insurance may initially seem more expensive due to its unlimited payouts, it often provides more cost-effective plans than other insurers. These plans offer comparable deductibles, reimbursements, and unlimited annual payouts. In addition, Healthy Paws is renowned for its quick claim processing and high customer satisfaction ratings.

Expert Price Analysis

While comparing premiums between Healthy Paws and other insurance companies can be challenging, as Healthy Paws exclusively provides unlimited payouts, I have found that the cost of insuring a Cocker Spaniel with Healthy Paws is generally similar to or slightly higher than plans from other insurers that offer a $5,000 payout. These plans also have similar deductibles and reimbursement choices.

Pros Cons
No annual or lifetime caps on reimbursement with every policy Options to customize your deductible and reimbursement rate are very limited for older dogs
Policies with unlimited caps and comparable coverage from other insurers are often more expensive than Healthy Paws Coverage is unavailable for veterinary exam costs or behavioral therapy
Impressive 2-day average for claim processing Some Cockers aren’t insurable based on their age and location
15-day waiting periods for CCL ruptures, patella luxation, and IVDD (many others are 6 months) Hip dysplasia coverage has a much longer 12-month waiting period than other providers
All plans cover complementary therapies Hip dysplasia coverage is excluded for all dogs enrolled at age 6 or older
Excellent reputation for customer satisfaction

In-Depth Review Of Healthy Paws

Be sure to check out my comprehensive review of Healthy Paws for a more detailed analysis of its coverage, customization options, reimbursement process, age-related restrictions, waiting periods, and other features.

Best For Short Waiting Period: Figo

figo logo 250 transparent
  • 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

Cocker Spaniels are well-known for their high energy and curious nature, which can sometimes lead to unexpected accidents. What sets this provider apart is its incredibly short one-day accident waiting period, the shortest in the industry. This means that just one day after enrollment, your pup will be fully covered in case of ingesting a foreign object, sustaining a wound from excessive activity, or getting stung by a bee due to their curiosity.

Figo is an exceptional choice for several reasons. They offer a wide range of customization options, including unlimited annual caps and full reimbursement, which is quite rare in the industry. Additionally, their policies cover dental illness, behavioral therapies, and complementary care. Figo also covers treatable pre-existing conditions, such as ear infections, which are common in Cockers.

Expert Price Analysis

When comparing Figo’s premium pricing specifically for Cocker Spaniels, their rates for lower coverage ($750 deductible, 70% reimbursement, and $5,000 payout) were often competitive for puppies and young Cockers. However, their pricing for higher coverage tended to be above average.

Pros Cons
Impressive 1-day accident waiting period Coverage for vet exam costs requires an add-on
Offers a rare 100% reimbursement option Waiting periods for coverage of patellar luxation, hip dysplasia, CCL ruptures, and IVDD are 6 months
Complementary care, dental illness, and behavioral therapy included in all policies Policies with maximum benefits can be pricey for Cockers
Curable pre-existing conditions are covered after having no symptoms for a year
Wellness plan add-on available
Reduces your deductible by $50 each year you’re claim-free
3-day average for claim processing
Save 5% by insuring more than one pet
No age restrictions to enroll older dogs

In-Depth Review Of Figo

For a more detailed analysis of this insurer’s multiple plans, broad coverage, waiting periods, reimbursement process, and other features, be sure to read my extensive review of Figo.

Best For Cocker Spaniel Puppies: Embrace

embrace pet insurance logo
  • 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

Embrace stands out from many other insurers by allowing you to enroll your puppy as young as six weeks, while most require a minimum age of eight weeks. With a brief two-day waiting period for accidents, your Cocker puppy will be protected if they get injured during play or ingest something harmful. Moreover, Embrace provides one of the most extensive accident and illness insurance plans.

Every policy includes $1,000 for annual dental illness care, along with coverage for complementary treatments, behavioral therapy, and curable pre-existing conditions. You can enhance your coverage by adding prescription medications and veterinary exam fees. Embrace is also a fantastic choice for those seeking lifetime insurance for their puppy, thanks to its diminishing deductible feature.

Expert Price Analysis

Based on my review of quotes, Embrace consistently provided some of the most affordable rates for Cocker Spaniel puppy insurance. In addition, Embrace’s maximum coverage (unlimited payout, 90% reimbursement, and $100 deductible) for older Cockers was often competitive compared to similar coverage offered by other insurers.

Pros Cons
Among the most affordable premiums for Cocker puppies Coverage for vet exam costs and prescription drugs require separate add-ons
Save 10% by insuring more than one pet Some Cockers are uninsurable due to age and location (e.g., dogs over 5 are ineligible for coverage in California)
Reduces your deductible by $50 each year you’re claim-free Waiting periods for coverage of patellar luxation, hip dysplasia, CCL ruptures, and IVDD are 6 months
Complementary care, dental illness, and behavioral therapy included in all policies
Curable pre-existing conditions are covered after having no symptoms for a year
Waiting period for accidents is only 2 days
Offers a selection of 3 wellness plan add-ons

In-Depth Review Of Embrace

For more information on this provider’s extensive coverage, add-ons, many customization options, and other details, see my in-depth review of Embrace.

Most Customizable Plans: Lemonade

lemonade logo 250 transparent
  • 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

With its distinctive à la carte approach to policies, Lemonade enables owners to customize their coverage according to their pet’s health issues and budget. This provider’s basic plan is among the most affordable options available. However, Lemonade provides a number of add-ons to enhance this plan for those seeking more extensive benefits. Dental disease coverage, veterinary visit expenses, complementary therapy, behavioral therapy, and end-of-life benefits are some of these optional extras. In addition, Lemonade offers a reasonably priced wellness plan.

Also, Lemonade provides flexibility in terms of annual payout, deductible, and reimbursement rate options, allowing owners to further personalize their benefits. It’s important to know that Lemonade joined the pet insurance market in 2020. In contrast to the other insurers discussed in this article, it is relatively new but has already built a solid reputation.

Expert Price Analysis

Lemonade consistently emerged as one of the most affordable options when comparing insurance quotes for Cocker Spaniels with a $500 deductible, 90% reimbursement, and a $5,000 payout. Although its rates are average to above average for higher coverage, they are very competitive for lower coverage.

Pros Cons
Very affordable premium rates for lower and mid-level coverage for Cockers Lemonade pet insurance is not available in 12 states
Save 5% by insuring more than one pet Coverage for vet exam costs, dental disease, complementary care, and behavioral therapy require add-ons
Impressive 2-day average for claim processing Lengthy 6-month waiting period for CCL rupture coverage
Curable pre-existing conditions are covered after having no symptoms for a year
Wellness plan add-on available
30-day waiting periods for patella luxation, hip dysplasia, and IVDD (many others are 6 months)

In-Depth Review Of Lemonade

You can learn more about this provider’s coverage, numerous add-ons, reimbursement procedures, and other topics by reading my in-depth review of Lemonade.

Best For Vet Direct Pay: Trupanion

trupanion logo 250 transparent
  • Policy Options: Accident & Illness
  • Lifetime Per-Condition 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 significant challenge with pet insurance is that pet owners must pay the veterinarian’s bill upfront and then wait for reimbursement from the insurance company. Trupanion differentiates itself from other insurers by eliminating this waiting time. They offer a unique VetDirect Pay software that can be integrated into your veterinarian’s payment system. If your vet hasn’t adopted it yet, you can request its installation.

Trupanion is the only provider that allows for immediate payment to your vet at the time of checkout. Keep in mind, however, that you will still need to cover your deductible and copay. Given the Cocker Spaniel’s tendency to develop various expensive medical issues, including inherited eye disorders, orthopedic problems, lifelong autoimmune, liver, and thyroid diseases, and more, VetDirect Pay can ease your worries about managing vet bills during diagnostics and treatment.

Expert Price Analysis

After comparing quotes from multiple insurers that provide unlimited payouts, Trupanion’s Cocker Spaniel insurance premiums were significantly more expensive than those of other companies. Their premiums were often two or three times higher.

Pros Cons
No annual or lifetime caps on reimbursement with every policy Most expensive premium rates for Cockers
You don’t need to wait for reimbursement because Trupanion can pay your veterinarian directly Coverage is unavailable for veterinary exam costs
30-day waiting periods for CCL ruptures, patella luxation, hip dysplasia, and IVDD (many others are 6 months) Lengthy waiting period for illnesses at 30 days (most are 14-15 days)
Curable pre-existing conditions are covered after having no symptoms for a year
Impressive 2-day average for claim processing

In-Depth Review Of Trupanion

To find out more about VetDirect Pay and this provider’s coverage, customizations, waiting periods, and other specifics, see my in-depth review of Trupanion.

What Type Of Pet Insurance Plan Is Best For Cocker Spaniels?

Your main pet insurance options are accident-only and accident and illness plans. Additionally, a wellness plan may be available as an elective during enrollment with certain insurance companies. Wellness plans can help you save money on your Cocker’s preventive care, but it’s crucial to realize that they are not the same as pet insurance.

Accident-Only Accident & Illness Wellness
Injuries (broken bones, sprains, wounds, accidental poisoning, intestinal blockage, etc.) Checkmark Checkmark
Diseases (allergies, diabetes, ear infections, pancreatitis, eye disorders, patellar luxation, hypothyroidism, etc.) Checkmark
Preventative (yearly checkups and blood work, vaccines, parasite prevention, dental cleaning, etc.) Checkmark

What Are Accident-Only Pet Insurance Plans?

Accident-only plans offer a cost-effective choice for dog owners who wish to ensure that their pets can get emergency care in the event of injuries such as sprains, cuts, broken bones, intestinal blockage from consuming an object, and accidental poisoning. Additionally, they are a good option for pets with a number of pre-existing conditions not covered by an accident and illness policy. You should be aware that very few insurance providers offer plans that only cover accidents.

Pricing Tip – The premiums for accident-only plans are typically significantly less than those for plans that cover both illnesses and accidents.

What Are Accident & Illness Pet Insurance Plans?

Accident and illness plans offer your dog the most comprehensive health insurance. Apart from injuries, these policies cover a range of illnesses and genetic conditions that affect Cockers, including diabetes, liver and heart disease, ear infections, intervertebral disc disease (IVDD), inherited eye disorders, and skin allergies. With this insurance, you can prepare for nearly any health issue that may arise for your pet.

What Are Wellness Plans?

Wellness plans provide an excellent means to manage the expenses associated with routine veterinary visits, vaccinations, dental care, parasite control, and other preventive services for your pet. Incorporating a wellness plan into your pet insurance is a smart decision to help keep your beloved companion healthy and to identify any potential health issues early on.

It’s essential to understand that wellness plans are distinct from pet insurance and do not cover medical costs arising from illnesses or injuries.

What Does Pet Insurance Cover & Exclude?

When a veterinarian determines that treatment is medically necessary, most insurance companies will cover the items below under their accident and illness insurance plans. However, it’s crucial to understand that coverage can differ among providers. Given that different insurers may have specific restrictions on certain conditions, it is vital to carefully review 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
*Pet insurance providers may classify pre-existing conditions as “curable,” but this varies by plan, so check your policy carefully.

Learn More About Pet Insurance Coverage

Coverage and exclusions can be confusing, so read my article on pet insurance coverage to learn more about some restrictions to be aware of when selecting a plan.

What Determines The Cost Of Pet Insurance For Cocker Spaniels?

Cocker Spaniel puppy sitting.

Understanding the factors that affect premium pricing is essential. Here’s a brief overview of the key elements insurers consider when setting their rates.

  • Your pet’s age plays a substantial role in determining pet insurance costs. Older dogs generally face higher premiums due to their increased likelihood of developing costly health issues compared to younger dogs.
  • Local living expenses also have a major impact on premium rates. Fluctuations in the cost of living influence both pet owners and veterinarians. Consequently, if you reside in an area with high living costs, you can expect to pay more for veterinary services and pet insurance.
  • Another critical factor is your dog’s breed. Some breeds are predisposed to specific health conditions, and purebred dogs often carry greater health risks than mixed breeds, leading to higher insurance premiums.
  • Male dogs may incur higher insurance costs than females. This is often due to their larger size, which can necessitate higher doses of medication, more sophisticated medical equipment, and extra supplies. However, it’s worth noting that some insurers do not factor gender into their pricing models.

Even though some elements affecting premium prices are out of your hands, you can still design a pet insurance policy that aligns with your dog’s needs and finances. Many insurers offer numerous customization options to choose from. I’ll clarify below how this all works.

Customization Options Affect Cost & Benefits

When looking for a pet insurance plan tailored to your needs, you’ll find more choices available than you may realize. First, you can opt for a comprehensive policy that covers both accidents and illnesses or a plan that covers accidents only. Furthermore, you can customize the deductible, reimbursement rate, and maximum payout to align with your budget. It’s essential, however, to grasp how these adjustments will influence your overall coverage.

What Is A Maximum Payout?

Pet insurance companies typically offer two main types of maximum payouts: annual and lifetime. An annual maximum payout refers to the total amount that a provider will reimburse for your dog’s veterinary costs within a single policy year. In contrast, a lifetime payout indicates the maximum amount an insurer will cover over the entire insured lifespan of your pet. The companies mentioned in this article provide annual payout options, which commonly include $5,000, $10,000, and unlimited coverage.

Pricing Tip – Your monthly premium will decrease if you select a lower payout, but you’ll have to pay more out of pocket if your Cocker Spaniel’s medical bills exceed your annual cap.

What Is A Deductible?

The amount you must pay out of pocket before receiving reimbursement from your insurance provider is known as your deductible. The most common deductible amounts are $100, $250, and $500, although they can range from $0 to $1,000. There are two primary types of pet insurance deductibles: annual and lifetime per condition. Below, I explain their differences.

  • Annual deductible: Should your dog need medical attention, your policy requires you to pay this amount annually before reimbursement kicks in. This is your entire deductible, regardless of how many medical issues or treatments your dog requires throughout the year. You can better control the costs of your pet’s medical care with a fixed annual deductible. The majority of pet insurance companies have yearly deductibles.
  • Lifetime per-condition deductible: You must pay a per-condition deductible for each new condition that needs to be treated for your pet. This can quickly mount up if your dog develops several new health issues in a single year. The advantage, however, is that you’re only required to pay a per-condition deductible once in your pet’s insured lifetime — a huge benefit if your pup develops a chronic illness, like allergies, diabetes, hypothyroidism, pancreatitis, and others. The only provider with per-condition deductibles is Trupanion.

Pricing Tip– Your monthly premium will increase if you choose a lower deductible, but that means you’ll pay less out of pocket for your dog’s medical care.

What’s The Reimbursement Percentage?

The reimbursement percentage you select indicates the portion of your veterinary expenses that your insurance will pay after you have met your deductible. For instance, if you opt for a 90% reimbursement rate and a deductible of $500, you will initially cover the $500 yourself and only be liable for 10% of the veterinary costs. The insurance will then reimburse you for the remaining 90%. Common reimbursement rates are 70%, 80%, and 90%.

Pricing Tip – Your monthly premium will increase if you opt for a higher reimbursement percentage, but this results in lower out-of-pocket expenses when your dog requires treatment.

Learn More About Pet Insurance Costs

For a comprehensive look at how customization options influence your coverage and premium pricing, check out my detailed article on pet insurance costs.

How Much Is Pet Insurance For A Cocker Spaniel?

To get a precise pet insurance quote for your Cocker Spaniel, fill out the form below with your zip code and dog’s information. Following that, we will provide you with personalized insurance quotes from several leading insurance companies for your pet. Although looking at Cocker insurance quotes can be helpful, bear in mind that your dog’s specific information may affect the cost of their coverage.

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).

To give you a general idea of premium costs, I obtained pet insurance quotes for American Cocker Spaniels from the leading providers I examined above, taking location and age variances into consideration. I used comparable payouts, reimbursement percentages, and deductibles wherever possible to ensure the comparison was as accurate as possible.

Note: rates for purebred English Cocker Spaniels may differ from the following quotes.

I chose coverage levels based on the most widely available for insurers. I used a $500 deductible, $5,000 annual coverage, and 90% reimbursement for basic accident and illness plans with no add-ons. I noted exceptions where these amounts weren’t available from insurers.
*80% reimbursement; †50% reimbursement and $1,000 deductible (no other options); ‡$0 deductible; §Unlimited annual payouts

Cocker Spaniel Insurance Cost: Lowest & Highest Amounts

For further comparison, I collected quotes for the highest and lowest monthly American Cocker Spaniel pet insurance premiums from the same companies. These quotes take into account reimbursement rates, deductible amounts, annual payouts, and optional add-ons (apart from wellness plans). To show how a dog’s age at enrollment affects insurance rates, I also obtained quotes for two different ages.

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)
pets best logo 250 transparent $23-$143 $31-$193 $15-$96 $20-$130 $16-$101 $20-$125 $19-$108 $24-$134 $26-$150 $32-$185
fetch logo 250 transparent $39-$99 $81-$213 $32-$68 $56-$125 $36-$81 $65-$149 $39-$85 $68-$155 $37-$71 $65-$129
healthy paws logo 250 transparent $34-$88 $50-$99 $29-$60 Uninsurable $26-$59 $40-$102 $37-$93 $56-$88 $34-$69 $49-$78
figo logo 250 transparent $28-$165 $36-$214 $23-$172 $29-$224 $18-$137 $26-$198 $20-$152 $29-$221 $35-$228 $46-$296
embrace logo transparent 200 png $16-$171 Uninsurable $18-$159 $19-$163 $16-$104 $20-$135 $19-$125 $25-$164 $20-$130 $26-$170
lemonade logo 250 transparent $19-$155 $26-$203 $23-$138 $26-$157 $12-$90 $16-$123 $29-$135 $24-$122 $27-$154 $32-$177
trupanion logo 250 transparent $53-$222 $108-$477 $55-$229 $94-$410 $66-$196 $141-$420 $50-$208 $98-$430 $60-$255 $122-$540
The states chosen were based on the top five states with the most insured pets and highest gross written premiums for pet insurance, according to NAPHIA. The cities chosen were based on the most pet-friendly cities in the most popular states above, according to WalletHub.

What Are Waiting Periods For Cocker Spaniel Pet Insurance?

The time between enrolling in a pet insurance plan and the beginning of your coverage is known as the waiting period, and it varies depending on the insurance provider.* While waiting periods for illnesses typically last 14 days, they can range from 0 to 15 days for accidents. For orthopedic disorders that can impact Cocker Spaniels, such as patellar luxation, hip dysplasia, CCL tears, and IVDD, many insurers have lengthier waiting periods.

*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

My comprehensive guide on pet insurance waiting periods explains why insurance companies impose waiting periods and provides other important information.

How Does Pet Insurance For Cocker Spaniels Work?

Person holding pet insurance paperwork.

Once the waiting periods for your policy are over, utilizing pet insurance becomes straightforward.

  1. First, pay the bill in full when you visit the vet with your dog.
  2. Next, send an itemized receipt and a completed claim form to your insurance provider. Be aware that some insurers might ask for your veterinarian’s signature on the claim form, so it’s wise to have a copy ready for your appointment.
  3. After your claim is approved, you will receive reimbursement* through your chosen payment method, whether a check or direct deposit.

* The duration for processing reimbursements can differ based on the complexity of the claim and the specific timeline set by each company.

15 Health Issues In Cocker Spaniels

Cocker Spaniels typically live 12 to 15 years. Ear infections and allergies are among the common health problems that Cockers are infamous for. But this breed is also prone to several expensive illnesses. Understanding the possible health problems and associated expenses of owning a Cocker is essential for determining whether pet insurance is worthwhile for your dog.

  1. Dislocation of the kneecap, or patellar luxation, is common in Cockers. It affects both of the hind knees in over half of the afflicted dogs. The cost of surgery, which is usually required to address these persistent knee issues, can range from $1,500 to $3,000 per knee.
  2. Cocker Spaniels, known for their energetic nature and genetic predisposition, often face issues with cranial cruciate ligament (CCL) injuries. The most effective way to address this condition is through orthopedic surgery. The procedure cost can range from $1,600 to over $6,000, depending on the severity of the injury.
  3. Hip dysplasia develops when the femur and hip socket are not correctly aligned. This chronic disease causes progressively increased pain and decreased mobility. Surgery is often required to improve the quality of life, and the expenses can range from $1,700 to $4,500 or more.
  4. Cockers are prone to autoimmune hemolytic anemia (IMHA) and immune thrombocytopenia (IMTP), two autoimmune diseases (also called Evan’s syndrome when they’re both present) that cause the body’s immune system to attack and destroy red blood cells. Treatment can include regular monitoring and blood testing, medications, blood transfusions, IV fluids, etc., with costs running into thousands of dollars.
  5. Chronic allergies can result in various skin and digestive issues. Vets adopt different treatment strategies based on the underlying cause and severity. Throughout a dog’s life, expenses for diagnosis, testing, medications, specialized diets, creams, and other treatments can surpass $2,000.
  6. Cockers are one of the top two breeds most predisposed to chronic active hepatitis (CAH). This persistent and progressive liver condition is characterized by inflammation and cellular damage. If left untreated, it causes permanent scarring in the liver. Diagnosing and treating CAH can range from $500 to $5,000.
  7. Studies have shown that Cockers have an increased risk of acute and chronic pancreatitis, or inflammation of the pancreas. Diagnostics can run as high as $1,000. Treatment costs for mild to moderate cases range from $500 to $1,000. Severe cases usually require hospitalization and can cost up to $5,000 to treat.
  8. Patent ductus arteriosus (PDA) is an inherited congenital heart defect. This condition results in excessive blood flow to the left side of the heart, potentially leading to heart failure. If diagnosed early, the expenses for diagnosis and surgical intervention for PDA typically range from $2,500 to $5,000.
  9. Cocker Spaniels face a heightened risk of diabetes, a chronic condition involving the body’s inability to effectively manage sugar levels. The cost of diagnostic testing can reach up to $500. Diabetic Cockers need daily insulin injections, which can cost around $80 or more each month. Additionally, they require 2-4 veterinary visits annually and routine blood and urine tests.
  10. Cocker Spaniels are susceptible to ear infections due to their droopy ears and dense fur, which trap moisture and create an ideal environment for bacteria and yeast to thrive. The costs associated with initial and follow-up vet appointments, diagnostic tests, and treatment can reach $500 or more for each infection.
  11. Entropion, cataracts, glaucoma, cherry eye, dry eye (keratoconjunctivitis sicca), and progressive retinal atrophy (PRA) are among the numerous hereditary eye conditions that frequently affect Cockers. The cost of treatment varies based on the problem. Cataract surgery costs between $2,600 and $3,800, whereas treatment for other conditions may cost more than $1,000. Unfortunately, PRA cannot be cured.
  12. Mitral valve disease is a long-term, progressive heart condition that frequently impacts Cocker Spaniels. The expenses for diagnosis and treatment can range between $500 and $2,000. The sole cure for mitral valve disease is specialized surgery, with an average cost of 30,000.
  13. The shift of the discs between a dog’s vertebrae into the spinal canal causes intervertebral disc disease (IVDD), which is common in chondrodystrophic breeds like the Cocker. To diagnose and treat IVDD, veterinarians may suggest MRIs, CT scans, X-rays, drugs, surgery, complementary therapies, and potentially hospital stays. The price range for veterinary care is between $3,000 and $8,000.
  14. Another genetic issue that affects Cockers is hypothyroidism, a condition in which the thyroid gland is unable to produce enough hormones. This calls for lifelong medication and ongoing testing. The average monthly cost of drugs is $20 to $50, and retesting typically costs between $50 and $100 per year.
  15. Familial nephropathy is an inherited kidney disorder affecting Cockers. Symptoms of early-onset kidney failure usually appear between 6 months and 2 years of age. Treatment costs can range from $1,000 to $5,000 or more. However, even with early diagnosis and treatment, dogs only live up to 2 years with this disease.

Is Pet Insurance Worth It For Cocker Spaniels?

In the 2023 Cocker Spaniel Health Survey by the American Spaniel Club Foundation, data was gathered for over 7,900 Cockers. The most common health problems owners reported in Cockers included eye disorders (35%), ear conditions (34%), skin problems (23%), orthopedic issues (16%), and immune system conditions (15%).

Orthopedic Foundation for Animals (OFA) 2023 testing statistics of Cocker Spaniels reveal that nearly 7% tested positive for hip dysplasia, over 7% for hypothyroidism, more than 6% for patellar luxation, and nearly 60% had an eye abnormality.

Pet insurance for Cocker Spaniels is essential due to the breed’s tendency to encounter costly health problems. Acquiring pet insurance guarantees that your canine companion receives the necessary medical attention in the event of an unforeseen health crisis or illness. It is vital to secure insurance for your dog prior to the onset of any medical issues, as most pet insurance providers do not cover pre-existing conditions.

Determine If Your Cocker Spaniel Needs Insurance

To make an informed decision, I suggest reading my comprehensive guide on whether pet insurance is worth it. It can help you weigh the benefits and drawbacks of your situation.

5 Steps To Find The Best Pet Insurance For Cocker Spaniels

To find the ideal insurance plan for your Cocker, you must evaluate the following factors.

  1. Assess the reputation and financial stability of each insurance provider you’re considering. Established pet insurance companies often offer greater reliability than newer entrants in the market.
  2. As you examine the policy specifics, consider any potential health concerns your Cocker may face and how each insurer addresses these conditions.
  3. Determine whether you prefer an accident-only policy or one covering accidents and illnesses.
  4. Understand the reimbursement process and the average claim processing times for each provider.
  5. Obtain quotes from at least three pet insurance companies for a thorough price comparison.

Methodology

To determine the best pet insurance for Cocker Spaniels, 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.