7 Best Welsh Terrier Pet Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Welsh Terriers are medium-sized dogs bred for chasing and trapping prey like foxes, badgers, and vermin. They are a rugged breed of dog with wiry hair and sturdy in stature, with a lovely disposition. It is suggested that the Welsh Terrier is the oldest dog breed in the UK. Some historians claim it is one of the oldest purebred terriers. Bringing home a Welshie is a wonderful experience, but it is important to consider the health conditions associated with this breed. Although Welsh Terriers tend to be healthy, they are still susceptible to certain unavoidable health conditions, some of which may require medical care. Pet care costs are trending upward, making pet insurance a practical decision when adding a furry companion to your family. Pet ownership has been a part of my life for as long as I can remember, and I am also a licensed insurance agent. I am here to help you work through the process to find a comprehensive plan suitable for you and your pet! Read more about our unbiased ranking methodology and advertiser disclosure.

Top Welsh Terrier Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Welsh Terrier pet insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Welsh 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 WELSH TERRIER

$32.17/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Welsh 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 WELSH 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 WELSH TERRIER

$120.24/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 WELSH 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
4.6
  • 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 WELSH TERRIER

$53.29/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
4.6
  • 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 WELSH TERRIER

$44.20/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
4.6
  • 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 WELSH TERRIER

$42.70/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Welsh 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 WELSH TERRIER

$32.17/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Welsh 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

Welsh Terrier Pet Insurance FAQs

What is pet insurance, and is it worth the investment for our Welsh Terrier?

The most well-intentioned pet owners may not be able to afford the medical care necessary to treat their dog. Often pet owners elect euthanasia versus treatment or surgery for their pet. Despite efforts made in the veterinary industry to reduce costs, even routine care has become expensive, with typical routine visits upwards of $250. Pet insurance can help alleviate some of the financial burdens. By enrolling in a pet insurance plan, you will pay a small monthly fee for a comprehensive insurance plan for your dog. This plan reimburses you a portion of the costs associated with the treatment. Your small monthly investment can save you hundreds or thousands in veterinary bills.

What is the proper age to insure my Welsh Terrier?

Pet insurance plans do not cover pre-existing conditions, making early enrollment extremely important. Most insurance plans recommend enrollment within the first six months of bringing your pet home, with puppies eligible for coverage at around eight weeks old.

What are a few common insurance claims for the Welsh Terrier?

Welsh Terriers are typically healthy but can often be plagued with breed-specific conditions or diseases that require expensive medical care. Hip dysplasia may affect your Welshie. This condition causes laxity in the hip joint, leading to arthritis and deterioration of the joint. Surgery is a possibility in severe cases. Some eye conditions are seen in Welsh Terriers, including glaucoma, lens luxation, and dry eye. Welsh Terriers may suffer from Atopy, which is hypersensitivity to specific allergens and can cause excessive itching and skin trauma.

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

Most comprehensive pet insurance plans cover routine care, emergency or specialty care, medications, diagnostics such as X Rays and MRIs, and treatment for chronic and acute conditions, illness, and injury. It is important to enroll your pet as soon as possible. Insurance companies tend to deny claims deemed pre-existing.

Does pet insurance cover dental work?

Dental maintenance, such as cleanings, is not typically covered in most basic plans. Some plans may provide coverage on the care needed for dental injuries, gum disease or infections. Compare the plans on the market to see what works best for you!

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

Pet insurance plans work a bit differently than the human health plans that we use. You are able to use the veterinarian of your choice, due to the fact that your comprehensive plan works on a reimbursement method of payment. You will pay for services upfront and submit a claim for eligible expenses and your insurance policy will reimburse you based on your rate and deductible. As long as they are a licensed practitioner, they should be covered.

Are there discounts for insuring multiple pets?

It is common for pet insurance companies to provide a multiple pet discount. Verify with the various plans to see what works best for you. Coverage may only cover cats and dogs, but there are plans on the market that extend beyond that.

Who pays for services at the time of veterinary care?

Each policy dictates the terms of coverage, but you would pay for services upfront and submit a claim for reimbursement. You are reimbursed based on the rate and deductible you have selected.

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

There are so many ways to customize your pet’s insurance plan, such as selecting the deductible that fits your needs. The deductible is the portion you are responsible for before coverage kicks in. When you select a high-deductible plan, your monthly premiums are slightly lower. A low-deductible plan equates to a higher premium. There is no right or wrong choice, and often the difference in premiums is insignificant. Saving money and providing the best care possible for your pet, is what matters most!

5 Tips for Keeping Your Welsh Terrier Safe and Healthy

Medical care is one of the curative things we can do to help keep our pets healthy. You can do many preventative things every day to keep them happy and healthy.

1. Exercise and Enrichment

Welsh Terriers are active dogs that need an hour of exercise daily to keep them healthy and at the proper weight. An hour a day of exercise is good for your Welshie, but also good for you! The benefits of cardiovascular health are plentiful. Enrichment is a great way to stimulate your pup’s mind. Welsh Terriers, like most dogs, tend to get bored, which can lead to destructive behaviors at home. Playing fetch, “find it,” and other puzzle-like games will help your pup use his mind.

2. Nutrition

Your Welshie loves food, but it is important to find the right food for his size and energy level. Beware of excessive treats and table food. He may beg and whine for extras, but maintaining an ideal weight is a great way to prevent hip dysplasia and other joint issues. Work with your veterinarian to find the best food for your pup’s stage of life.

3. Training and Socialization

Welsh Terriers do best with early socialization around other dogs and children. They are eager to learn and respond well to positive reinforcement training. Welshies are instinctual prey dogs, so that drive will cause them to chase after other small animals. Early socialization helps them adapt to being around other dogs, even small dogs, without considering them prey.

4. Secure the Exercise Area

Welshies have a high prey drive. If they spot something and are off leash, they may run and continue to run until they hunt down that squirrel. Keeping them on a leash is best unless they have a secured area to run.

5. Grooming

Welsh Terriers need to have their coats brushed every week. Professional grooming is recommended every 6-8 weeks. It becomes a wooly, mangled mess if you do not stay on top of brushing their coat. Brushing your pup’s teeth daily is a great way to prevent tartar buildup and dental disease. Clipping your Welshie’s nails every 3-4 weeks will help prevent snags and nail splits.

Conclusion

Customizing a pet insurance plan has never been more straightforward. Go to Lemonade pet insurance, a company I recommend with competitive pricing and coverage, and take the quick questionnaire. The questionnaire results will help determine the best coverage for your pet based on breed, age, and overall health. There are many add-ons available, making it a plan fit for Fido! It is hard to think about the what-ifs in pet ownership, but sometimes unforeseen accidents and injuries happen. Pet insurance is a great way to mitigate some of these expenses while providing optimal medical care for your pup.

SwiftScore Ranking Methodology for Welsh Terriers

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

  • Average monthly price for a 2-year-old Welsh 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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