7 Best Border Terrier Pet Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Boston Terriers are known for being wonderful family dogs because of their love of affection and human interaction. Boston Terriers are characterized by their small size, short muzzles, and big, round eyes. Because of their quiet, affectionate demeanors, more and more Boston Terriers are finding homes every day, however, they are known to be susceptible to certain health issues such as cataracts and heart conditions. If you’re lucky enough to own one of these dogs, a great idea to combat the stress of medical costs is dog insurance. Dog insurance allows owners to request reimbursement for certain veterinary costs. Although the process might sound complicated, as a lifelong pet owner, I aim to help you navigate the enrollment process. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Border Terrier Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Border Terrier pet insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Border Terrier with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR BORDER TERRIER

$28.50/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Border Terrier Pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
pumpkin logo
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR BORDER TERRIER

$79.92/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cos
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR BORDER TERRIER

$122.06/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
aspca
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR BORDER TERRIER

$51.63/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • ASPCA is one of the most trusted names in the pet insurance industry. They have paid out almost $350 million dollars in claims since 2006
  • ASPCA is unique in that they offer affordable “accident-only” plans. Also, you can save 10% for multiple eligible pets
  • Founded in 1997 and underwritten by Crum & Forster
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR BORDER TERRIER

$61.26/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR BORDER TERRIER

$95.34/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR BORDER TERRIER

$119.34/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Border Terrier Pet vets via video chat 24/7
  • They also have an easy-to-use pet records app and real-time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR BORDER TERRIER

$28.50/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Border Terrier Pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

Border Terrier Pet Insurance FAQs

What is dog insurance and why is it useful for Border Terriers?

Dog insurance is essentially the pet equivalent of health insurance for people. Dog owners can request reimbursement from their insurance provider and have the costs of certain treatments and procedures covered. Medical treatment can be expensive and a cause of stress for any dog owner, so it’s never a bad idea to enroll your pet. As mentioned previously, Boston Terriers are prone to health conditions in the eyes and heart, so enrolling your dog as early as possible can make vet visits less of a hassle.

How old does my Border Terrier need to be in order to be enrolled?

A general rule of thumb to follow for dog insurance is that if your puppy is old enough to be brought home from a breeder, then it is old enough to be enrolled in and covered by dog insurance. This is typically around the age of 8 weeks. The best idea would be to enroll your dog as soon as possible.

What are common insurance claims for Border Terriers?

One of the most common health issues that occur in Boston Terriers are cataracts and other issues with the eyes. This is because Boston Terriers are one of many breeds that commonly have genes that make them more susceptible to cataracts. Because this is a genetic issue, some individuals within the breed develop cataracts at a younger than normal age.

Another common health issue within the breed is heart issues. Heart failure is the number one cause of death in Boston Terriers. This is also because of a genetic disposition that can cause deterioration in the valves of the heart, resulting in heart murmurs. If caught early, medication can greatly increase lifespan and the quality of life.

What services are covered by dog insurance? What services are included?

The vast majority of services covered by dog insurance have to do with acute care. This includes treatments for sudden illness or injury, such as cuts, scrapes, and viral infections. Of course, coverage varies depending on the plan chosen for your dog, so it’s important to get in touch with your provider to find out what exactly is included in your plan. Some services, such as certain medications and pre-existing conditions may not be covered by your dog’s insurance.

How does reimbursement work?

Dog insurance works through a reimbursement model, so services are not covered up front. Instead, the owner is responsible for anything needing to be paid for upfront. After being billed by the veterinarian, owners can submit costs in a reimbursement request to see what portion of treatment will be covered. The cost amount depends on several factors, including deductible and reimbursement rate of the insurance plan.

Should I enroll in a high-deductible or low-deductible plan?

This is completely up to the owner. Most providers offer several different plans that cover different amounts. Usually, this is in the form of a plan with a high deductible, low deductible, and no deductible. Every family has different needs so there’s no wrong answer to this question. Do what benefits you and your dog most!

5 Useful Strategies for Keeping Your Border Terrier Safe and Healthy

1. Groom your Boston Terrier weekly

Boston Terriers have short, sleek coats that don’t require daily maintenance. However, grooming can be a great way to meet your dog’s skin care requirements while providing a great way to bond. Brushing your dog weekly with a grooming mitt can eliminate any shed hair or dead skin cells, and keep your dog’s coat looking healthy.

2. Trim your terrier’s nails

Like any other breed, overgrown nails can be a slight inconvenience at best and downright painful at worst. When a dog’s nails continue to grow without the proper maintenance, they can grow back into the pads of the dog’s feet, making walking extremely uncomfortable. To avoid this, it’s a good idea to check your dog’s nails weekly and give them a trim if they’re looking long. Do be sure to research the proper way to trim a dog’s nails if you’re doing it at home. If you cut the nails too far back, you can cut off tissue within the nail, which can be extremely stressful and painful for your dog.

3. Provide plenty of socialization

While appropriate socialization is a must for dogs of any breed, Boston Terriers are especially friendly and love to be around both people and other animals. Boston Terriers are prone to separation anxiety, so it’s a good idea to look into a sitter or a friend for your dog if you’re away from home for extended periods of time.

4. Make sure your Boston Terrier is getting daily exercise

Boston Terriers are deceivingly active for their small size. This breed does require daily exercise whether that be throwing a ball around in the yard in a game of fetch, or throwing on a leash and going for a walk around the neighborhood. A great suggestion would be to take your dog to the dog park, where they can simultaneously run around and socialize with other dogs.

5. Watch your Boston Terrier around water

One thing that all Boston Terrier owners should be aware of is that this breed does not swim very well. If you have one of these dogs and live around water, you should always watch your dog if it’s not on a leash.

Conclusion

Boston Terriers are an extremely popular dog breed for a reason. They’re very friendly dogs that love to be around their people. They’re not very yappy dogs at all and overall make fantastic companions. With that being said, this breed is prone to some serious issues in their eyes and hearts. The joy of owning a pet comes the responsibility of looking after them when they need medical care. Dog insurance is a great way to make vet trips less expensive and less hassle for the owner. By enrolling your dog in pet insurance, you can be sure that your dog will receive medical attention at a fraction of the cost. All you have to do is find a provider, select a plan, and pay the monthly fee; your pet will be covered.

After extensive research, we conclude that Lemonade pet insurance offers the best dog insurance policy at the lowest monthly for Border Terriers.

SwiftScore Ranking Methodology for Border Terriers

We ranked the best pet insurance policies for Border Terriers based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Border Terrier with a $500 deductible located in the 90210 zip code
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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