7 Best Coton de Tulear Pet Insurance Plans Compared in 2024

Updated on February 19, 2024, by Matthew H. Nash – Licensed Insurance Agent

Coton De Tulear make wonderful companions, with their loving and playful demeanor. However, like many dog breeds, they are susceptible to treatable medical conditions, but can be an overwhelming financial constraint. The good news is, pet insurance is a wonderful option that allows you to provide the best care and treatment possible, while helping you save money. As a licensed insurance agent and lifelong dog owner, I am here to make sense of the pet insurance landscape. We may receive compensation when you click on the affiliate links below.

Top Coton de Tulear Pet Insurance Scored, Ranked & With Cost

Use our below table to compare the best Coton de Tulear pet insurance providers quickly. The average monthly specific prices shown are based on a healthy 2-year-old Coton de Tulear 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 February 2024 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 COTON DE TULEAR

$22.27/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Coton de Tulear 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
embrace
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 COTON DE TULEAR

$31.57/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
odie insurance
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 COTON DE TULEAR

$33.84/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Odie has several options available to suit any pet parent’s budget including: complete coverage, injury & illness, and accident only plans
  • They also offer a free 24/7 video chat with vets
  • Founded in 2019 and underwritten by Trisura Insurance Company
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 COTON DE TULEAR

$41.44/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Coton de Tulear 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
pumpkin logo
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 COTON DE TULEAR

$49.18/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 cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
fetch insurance
4.2
  • 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 COTON DE TULEAR

$81.42/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with 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
trupanion
4.2
  • 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 COTON DE TULEAR

$88.11/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

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 COTON DE TULEAR

$22.27/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Coton de Tulear 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

Coton de Tulear Pet Insurance FAQs

What is pet insurance, and is it worth the investment for our Coton de Tulear?

Pet insurance is a great way to offer peace of mind for you and your family, should any health issues arise with your beloved dog. By aligning with a pet insurance company, you will pay a monthly fee to keep your policy active, reimbursing you a portion of the cost of care upon submission of your claim. That small monthly investment can save you hundreds, or even thousands of dollars in unforeseen veterinary bills. As a pet owners, we do not anticipate any of these medical issues, but we know certain breeds, like the Coton, can sometimes suffer from conditions that are out of our control. Your pet insurance policy will help you provide the necessary care that your dog deserves while avoiding unnecessary financial stress.

What is the proper age to insure my Coton de Tulear?

It is important to insure your dog as soon as possible. Most insurance providers require that your new family member should be at least 8 weeks old before they will provide coverage. Typically, when your new puppy comes home, that is the best time to start your policy. Be sure to research while your dog is weaning, and in the breeder’s care. That way, you are set when they come to their forever home!

What are a few common insurance claims for the Coton de Tulear?

Cotons tend to be a fairly healthy breed. However, like many breeds, they can be prone to hip dysplasia, luxating patellas or progressive retinal atrophy. With any chronic or acute condition, including broken bones, illness or injury, veterinary care is necessary and can be expensive. Pet insurance is a great way to minimize out-of-pocket expenses, while providing the best care possible for your dog.

What services are typically covered by insurance? What services are excluded from coverage?

Though dog insurance policies can vary greatly, they typically cover care associated with illnesses or unforeseen injuries. Some of these services that may be covered include, but not limited to: infection, broken bones, acute illnesses, chronic conditions not deemed pre-existing, preventative care, medications and hospitalizations. Some services may be excluded, but that varies by plan. Most dog insurance policies will not cover pre-existing conditions, making early enrollment extremely important.

Does pet insurance cover dental work?

Each plan varies, but some insurance plans cover dental wellness and illness or injury. Reviewing each policy’s coverage to determine what’s best for your dog is important.

Can I use a veterinarian of choice, or are there insurance-approved options?

Most typical plans are accepted at any licensed veterinary clinic, including specialty or emergency service clinics.

Are there discounts for insuring multiple pets?

Many plans offer a multi-pet discount. When enrolling your new pet, please verify with your insurance to see if you qualify for a multi-pet discount.

Who pays for services at the time of veterinary care?

Most typical pet insurance plans utilize a reimbursement method for payment. You would pay for services up front and submit a claim to the insurance company after services were rendered. Payment will then be made, depending on your reimbursement rate and deductible.

How should we choose from a high or low deductible plan?

With many dog insurance plans to choose from, it is important to understand your financial situation. A high deductible plan typically equates to lower monthly premiums. Some have enough in savings to cover a high deductible, should their pet need immediate care. Others choose a low deductible plan, which means their premiums are higher, but they do not have to pay a large lump in the form of a high deductible. There is no right or wrong plan. It’s the “best plan that works for you.” Ultimately, the end result is the same regardless of your chosen plan. And that means, a healthy pet and a healthy wallet for you!

5 Tips for Keeping Your Coton de Tulear Safe and Healthy

Pet insurance is a great financial safeguard for you and your family. However, there are many things that you can do daily to ensure your Coton lives a long and happy life! Below are a few tips.

1. Daily Exercise

Small breeds, like the Coton, will benefit from daily walks, to help combat boredom and destructive behavior. Daily exercise is also a great way to keep them in shape and at a proper weight.

2. Proper Nutrition and Food Intake

A nutritious diet that includes high-quality food in appropriate portions is another great tool to help maintain their proper weight. Weight management is important to help prevent hip dysplasia. Overweight dogs strain their joints unnecessarily, causing this condition to occur or even worsen.

3. Reduce Separation Anxiety

Cotons may struggle with separation anxiety. It is important to work with them, leaving them at random times so they grow accustomed to time alone at home. Using a crate will help keep them safe during anxious times.

4. Love and Affection

Cotons are affectionate dogs, gentle and tolerant. They are loyal to a fault. Giving them love and affection daily, reaffirms your love for them, and helps build and maintain a strong relationship.

5. Regular Grooming

Cotons have a beautiful, soft coat that does not shed, and only requires care a few times a week. A pin comb is a great way to keep their coat soft and tangle-free. Nail care is also important. Be sure to check their nails regularly and trim as needed. Lastly, ear health is important. Foreign objects and debris can sometimes become trapped beneath their adorable ears. Keeping those areas clean and dry is important to avoid infection and odor.

Conclusion

Enrolling your Coton de Tulear into a pet insurance plan can seem daunting. However, the benefits of a money-saving plan outweigh the small upfront effort. While we do not think about illness or injuries when we bring a new dog into the family, it is something to consider so we can avoid costly veterinary visits later, while ensuring the best possible care for our beloved dog. Cotons make wonderful companions. With a little bit of planning, they can live a long and healthy life with you and your family!

After extensive research, we conclude that Lemonade pet insurance offers the best dog insurance policy at the lowest monthly price for your Coton de Tulear.

SwiftScore Ranking Methodology for Coton de Tulears

We ranked the best pet insurance policies for Coton de Tulears based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Coton de Tulear 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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