7 Best English Setter Pet Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Of the three setter breeds – English, Gordon, and Irish – the English setter is the smallest, weighing in at between 35 and 80 pounds. This medium-sized pointing breed originated in Britain, and hunters prize them for their exceptional noses and good memories. Several different reputable pet insurance providers offer a wide range of options as far as rates and coverage. The following information in this article outlines dog insurance in general and a few breed-specific tips to help you care for your English Setter dog. As a lifelong dog owner and licensed insurance agent I will help guide you through pet insurance. Read more about our unbiased ranking methodology and advertiser disclosure.

Top English Setter Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best English Setter pet insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old English Setter 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 ENGLISH SETTER

$30.08/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around English Setter 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 ENGLISH SETTER

$76.85/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 ENGLISH SETTER

$114.97/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
4.6
  • 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 ENGLISH SETTER

$49.65/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 ENGLISH SETTER

$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
4.5
  • 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 ENGLISH SETTER

$53.52/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with English Setter 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
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 ENGLISH SETTER

$71.03/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

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 ENGLISH SETTER

$30.08/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around English Setter 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

English Setter Pet Insurance FAQs

My English Setter dog seems healthy, so should I wait to buy dog insurance until he gets sick?

All dog owners can benefit from dog insurance, regardless of the health of their specific dog since many dog insurance policies cover medical expenses for unexpected illnesses or injuries as well as preventative care like dental cleanings. As described above, English Setter dogs as a breed sometimes experience hip or elbow dysplasia and hypothyroidism. Treatment can include medication, physical therapy, hormone replacement therapy, or surgery, which can add up. Generally speaking, having insurance before you need it is a good idea.

How old should my English Setter be to get insurance coverage?

Most dog insurance providers will not cover puppies younger than eight weeks old since that is the age that most breeders and veterinarians recommend bringing puppies home. However, you can always check with your specific insurance provider to see if they have other age requirements. Once you’ve determined whether your English Setter is old enough for coverage, you should enroll your dog as soon as possible since some issues like elbow dysplasia can impact dogs as young as a year old, and you want to make sure you have coverage before you actually need to use it.

What type of coverage should I get for my English Setter dog?

Elbow or hip dysplasia, which sometimes affect English Setter dogs, are often treated with a combination of physical therapy, anti-inflammatory medication, and sometimes surgery. Hypothyroidism generally requires hormone replacement therapy. Dental disease is a common problem for dogs of any breed and age, and your veterinarian may recommend regular cleanings. Considering all of these issues, insurance coverage for diagnostic procedures like x-rays, medication, preventative care like dental cleanings, and surgery is a great idea.

Generally speaking, most dog insurance plans, similar to health insurance plans for people, exclude coverage for pre-existing conditions.

How does dog insurance work?

Dog insurance works on a reimbursement model. With this type of insurance, you don’t need to check with your veterinarian’s office to make sure they accept insurance or are in-network with your plan. You don’t get an insurance card to carry with you and present to your veterinarian. Instead, you are responsible for paying your veterinarian directly for medical services. Most veterinarians require payment at the time of service, although some might accept a payment plan. Either way, once you’ve paid your veterinarian’s office, you submit a reimbursement request to your insurance provider. They, in turn, look over your bill, compare it with your plan and rates, and reimburse you for some of those costs, as appropriate.

What type of deductible should I look for?

The type of deductible you choose is up to you, and there is no right or wrong choice. Most dog insurance providers offer plans with high, low, or no deductible options. In general, if you are worried about your dog’s health, for instance, if your dog is older or prone to breed-specific health issues, it might make sense to choose a lower deductible even though it will also mean you’ll be paying a higher monthly premium. A higher deductible plan will usually come with a lower monthly premium, which might be preferable for dog owners on a tighter budget.

5 Useful Strategies for Keeping Your English Setter Dog Safe & Healthy

The average lifespan of an English Setter dog is 10 to 12 years. Keeping the following tips in mind can help you make the most out of those years with your dog:

1. Grooming

With its distinctive feathered coat on the ears, chest, belly, back of the legs, and tail, the English Setter dog sheds a moderate amount. Regular brushing at least twice a week will help reduce shedding and remove any mats or tangles that develop. A bath every two to three weeks is a good idea for most English Setters since they are very active dogs that love outdoor exercise. If you do not plan to show your dog in a competition, it might be helpful to take it to a professional groomer regularly to get the coat trimmed, which will also help reduce shedding, mats, and tangles.

2. Nutritious Diet

Most English Setter dogs are very active and enjoy a lot of exercise. To keep up with their high energy levels, you should feed your English Setter puppy a high quality food three times a day. Once your dog is older, feeding twice a day is recommended. Check with your veterinarian to see if they recommend any particular dog food brand. Choosing wet, dry, raw food or a combination of those is up to you. Talking to your veterinarian can also help you determine the appropriate amount to feed your dog to avoid overfeeding, which can lead to obesity and other health issues.

3. Love and Affection

English Setter dogs make wonderful family pets because they are gentle, affectionate, and friendly with people they know. They are known to be extremely patient, so you will probably need to supervise very young children who might be tempted to pull on your English Setter dog’s ears or tail since your dog will likely allow it to their own detriment. English Setter dogs make lively, energetic playmates who will play fetch endlessly for families with older children. Since they are aloof with strangers and very alert in general, barking if someone approaches the house, English Setters make good guard dogs.

4. Exercise

Bred to be hunting dogs, English Setters love to run and chase prey. They are best suited to active owners who like long walks, jogging, hiking, or biking at least twice a day. If given enough daily exercise, they will retain their calm and sweet demeanor in the house. It’s important to remember that they should always be leashed for exercise unless they are in an enclosed area like a fenced-in backyard since they are likely to take off after birds or squirrels otherwise.

5. Sports and Competitions

Many English Setter dogs excel at agility, obedience, and rally sports. Their high energy levels, intelligence, and sporting background make them excellent candidates for these types of competition. In a rally competition, teams of dogs and handlers navigate a course of between 10 and 20 signs that include various turns and commands to be performed. The brisk pace is ideal for English Setter dogs.

Conclusion

As a good dog owner, you know that in addition to food, shelter, and love, regular veterinary care is vital to the health of your English Setter. It’s understandable to worry about the costs for potential treatment or medication your dog might need. Enrolling in some good, basic dog insurance can go a long way toward easing your mind about your ability to pay for your dog’s care, no matter what your bank account looks like. You might wonder where to start if you haven’t started researching dog insurance yet.

After extensive research, we conclude that Lemonade pet insurance offers the best dog insurance policy at the lowest monthly price for English Setters. As a reputable insurance company, they offer several different plans at reasonable rates for all dog breeds, including English Setter dogs. Decide on the best plan for you and your pet, enroll your dog, and don’t forget to pay your monthly premium. Paying your premium is all it takes to keep your coverage active so that you can sit back, relax, and enjoy spending time with your beloved canine companion.

SwiftScore Ranking Methodology for English Setters

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

  • Average monthly price for a 2-year-old English Setter 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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