Best Pet Insurance For Whippets In 2024

Whippets, cherished for their gentle nature and grace, are popular sighthound breeds. Originating from England, they excel in agility and racing due to their remarkable speed. With a smooth and fine coat, they come in various colors, including fawn, blue, and white.

Energetic and sociable, Whippets thrive in active families and enjoy outdoor activities, particularly running. Their keen sight and swift running ability make them excellent in lure coursing. As devoted companions, Whippets form strong bonds with their owners, displaying affectionate and playful behavior. Renowned for their elegant appearance and versatility, Whippets continue to capture the hearts of dog lovers worldwide.

If you own a Whippet, you’re undoubtedly concerned about its health and well-being. As a pure breed, a Whippet is more likely to suffer from genetic health issues than mixed-breed dogs. Unfortunately, 4 out of 5 pet parents can’t pay for an unexpected $500 veterinary bill out-of-pocket. However, pet insurance will help you reduce your financial risk.

In this review, we’ll look at some of the top pet insurers for Whippets and help you pick the policy that best meets your needs. You’ll find that pet insurance is much like personal health insurance; it provides better treatment options and limits out-of-pocket costs. But unlike private health insurance, it won’t cost you an arm and a leg.

Average Cost Of Pet Insurance For Whippets

Common Health Issues For Whippets

Whippets, known for their elegant physique and speed, are a breed susceptible to specific health issues. It’s important for Whippet owners to be aware of these common health concerns to ensure their well-being.

Here are some prevalent health issues among Whippets:”

• Heart issues (e.g., arrhythmia, mitral valve disease)
• Eye conditions (e.g., cataracts, progressive retinal atrophy)
• Skin conditions (e.g., dermatitis, allergies)
• Hip dysplasia
• Dental issues (e.g., periodontal disease)
• Gastric torsion (bloat)

Heart Issues (e.g., Arrhythmia, Mitral Valve Disease):

Whippets, like many other breeds, can experience heart issues such as arrhythmia and mitral valve disease. Arrhythmia refers to irregular heart rhythms that may affect the heart’s ability to pump blood effectively. Mitral valve disease involves a malfunction of the heart’s mitral valve, which can lead to inadequate blood flow. Regular cardiac check-ups and an appropriate care regimen are essential to monitor and manage these cardiac conditions and maintain the overall health and longevity of Whippets.

The cost of diagnosing and treating heart issues in dogs can vary depending on the specific condition and the recommended treatment options. For example, the cost of treating myxomatous mitral valve disease (MMVD) in Whipepts has been estimated to be around $1,000 to $3,000. However, the actual cost may vary depending on factors such as the severity of the condition and the location of the veterinary clinic.

Eye Conditions (e.g., Cataracts, Progressive Retinal Atrophy):

Eye conditions like cataracts and progressive retinal atrophy can impact the vision of Whippets. Cataracts cause clouding of the lens, leading to impaired vision and potential blindness if untreated. Progressive retinal atrophy is a genetic disorder resulting in gradual vision loss, eventually leading to blindness. Routine eye examinations by a veterinarian can aid in early detection and management of these conditions. Timely intervention, including surgery for cataracts, can help preserve the vision and quality of life for Whippets affected by these eye issues.

The cost of diagnosing and treating eye conditions in dogs can vary depending on the specific condition and the recommended treatment options. For example, cataract surgery for dogs can cost between $2,500 and $4,000. The actual cost may vary depending on factors such as the severity of the condition, the number of eyes affected, and the size of the dog.

Skin Conditions (e.g., Dermatitis, Allergies):

Whippets are susceptible to various skin conditions, including dermatitis and allergies. Dermatitis can result from environmental irritants or allergies, leading to skin inflammation and discomfort. Allergies in Whippets may manifest as itching, redness, or rashes due to sensitivities to food, pollen, or other allergens. Maintaining proper hygiene, a balanced diet, and regular veterinary care are crucial in managing and mitigating skin issues. Identifying and minimizing exposure to allergens can significantly enhance the comfort and well-being of Whippets with skin sensitivities.

The cost of treating allergies in dogs can range from a few hundred dollars for medication and

special diets to several thousand dollars for allergy testing and immunotherapy.

Hip Dysplasia:

Hip dysplasia is a prevalent orthopedic condition in Whippets, affecting the hip joint’s stability and mobility. In this condition, the hip joint doesn’t fit into the hip socket properly, causing pain, lameness, and restricted movement. Factors like genetics, rapid growth, and improper nutrition during puppyhood can contribute to the development of hip dysplasia. Managing weight, providing regular exercise, and utilizing joint supplements can help alleviate discomfort and maintain mobility, ensuring a better quality of life for Whippets affected by hip dysplasia.

The cost of diagnosing and treating hip dysplasia in dogs can vary depending on the severity of the condition and the recommended treatment options. For example, the cost of hip dysplasia surgery in dogs can range from $1,500 to $7,000.

Dental Issues (e.g., Periodontal Disease):

Dental issues, especially periodontal disease, are common among Whippets. Periodontal disease involves inflammation and infection of the gums and other supporting structures of the teeth. Regular dental care, including brushing, dental check-ups, and professional cleanings, is essential in preventing and managing dental problems. Untreated dental issues can lead to pain, tooth loss, and systemic health problems. Proper oral hygiene practices and regular veterinary dental care can contribute to a healthy mouth and overall well-being for Whippets.

The cost of diagnosing and treating dental issues in dogs can vary depending on the severity of the condition and the recommended treatment options. For example, the cost of a dental cleaning for dogs can range from $200 to $500, while the cost of tooth extraction can range from $500 to $1,000.

Gastric Torsion (Bloat):

Gastric torsion, commonly known as bloat, is a critical and potentially life-threatening condition that can affect Whippets. It involves the stomach filling with gas and twisting on its axis. This condition can rapidly escalate, causing severe discomfort, difficulty breathing, and reduced blood flow to vital organs. Immediate veterinary attention and intervention, often including surgery, are necessary to relieve the torsion and prevent further complications. Being mindful of feeding practices, avoiding vigorous exercise after meals, and regular health monitoring can aid in minimizing the risk of gastric torsion for Whippets.

The cost of diagnosing and treating gastric torsion in dogs can vary depending on the severity of the condition and the recommended treatment options. For example, the cost of emergency surgery for gastric torsion in dogs can range from $1,500 to $7,500

Average Cost Of Typical Vet Procedures

Average Cost Of Emergency Vet Procedures

Is Pet Insurance Worth It For Whippets?

Pet insurance protects against unexpected veterinary bills. Many pet owners pay out-of-pocket for their pet’s medical expenses, but most Americans can’t afford a $1500 emergency vet bill. The right pet insurance can literally be a lifesaver. Having coverage will give you the freedom to make medical decisions for your furry family member based on the quality of life, not finances.

The value of pet insurance is largely based on your expectations. If your pet is currently undergoing treatment for a chronic condition and you would like help with the cost of the treatment, you will likely be disappointed as no company in our review covers preexisting conditions.

But, if you understand your policy and what it does and doesn’t cover and have a policy that fits your budget and needs, you are far more likely to consider the policy worth it.

How To Find The Best Pet Insurance Company For You

The costs and types of pet insurance plans available on the market vary by company, making choosing one over the others challenging. To find the best plan for your pet, consider these tips before applying for coverage:

Check Whether Your Pet Is Eligible

Puppies and kittens often must be a minimum of 6 to 10 weeks old to be insured, depending on the company. Senior pets may not be eligible for first-time enrollment with some companies, or they may qualify for accident coverage only. Once the pet is enrolled, though, most plans will offer coverage for life as long as you continue paying the premiums.

Research What’s Covered

Pet insurance plans typically cover expenses like surgery, hospitalization and medication if your pet gets sick or hurt. However, there are certain things that some companies charge extra for or won’t cover at all. Here are a few examples:

• Exam fees. Say your dog breaks her leg. Some plans will reimburse expenses like X-rays,  surgery and pain medication, but not the vet’s exam fee.
• Alternative treatments and rehabilitation. Some companies include coverage for things like acupuncture and physical therapy in their standard plans. Others charge extra.
• Behavioral therapies. Not all policies cover veterinary treatment for aggression or other behavioral issues.
• Prescription food. Certain plans won’t cover food or supplements at all, even if your vet prescribes them for a covered condition.
• Dental care. Pet insurance plans vary widely when it comes to caring for your pet’s teeth. For example, your policy may not cover dental illnesses such as gingivitis or periodontal disease. Alternatively, it may cover them only if your pet has had a recent tooth cleaning. Some add-on wellness plans pay for cleanings.

Note that pet insurance policies usually won’t cover pre-existing conditions, cosmetic procedures, or breeding expenses.

Decide How Much Coverage You Want

Most pet insurance plans cap the amount they pay out per year, although some have no annual limit. Only you can decide the amount that gives you reasonable peace of mind for paying vet bills.

If your dog or cat is relatively healthy, you might go years without paying for anything but routine care. But an unexpected surgery or serious illness could add up to thousands of dollars in expenses.

Understand Reimbursements And Deductibles

Most pet insurance plans reimburse you for a percentage of your vet bill. You can generally choose a reimbursement level — such as 70%, 80% or 90% — when you buy the plan.

Other plans pay what the insurance company deems a standard fee for a given treatment, which might be less than what your vet charges. You’d be responsible for the remainder.

Most plans also have a deductible — the dollar amount you pay out of pocket before the policy pays. You can usually choose from a range of deductibles, such as $100, $250, or more. Some plans apply deductibles to each injury or illness that’s treated. Most have you pay the deductible every year.

Generally, the lower your out-of-pocket costs are, the more you’ll pay for coverage. A lower deductible and higher reimbursement rate can lead to a higher premium, while a higher deductible and lower reimbursement rate can mean a lower premium.

Check Waiting Periods

Most plans include short waiting periods after you purchase the policy for general accident and illness coverage, such as 14 days. Your plan won’t pay for any treatment during the waiting period.

Some plans include longer waiting periods for coverage of certain conditions, such as cruciate ligament injuries — a common orthopedic problem for dogs. The cruciate ligaments help stabilize the knee; when injured, it can make it difficult for a dog to walk.

Examine Extra Costs

Some pet insurance companies offer coverage for routine services such as well visits and vaccinations. While this may sound tempting, do the math to determine whether it’s worth the extra cost. Compare the annual price of the wellness insurance plan with the amount you’d pay each year on your own for services the plan covers. Read the details because the items covered for “wellness” vary by pet insurance company.

Compare Quotes

The cost of insurance varies by carrier and the amount of coverage. Some pet insurers offer discounts; you might be able to save money by insuring more than one pet, for example. But a discount doesn’t guarantee the plan is the best deal.

The only way to find the best insurance for your pet is to dig into the details and get quotes for several plans. Make sure you’re making a fair comparison with similar coverage amounts, deductibles, and reimbursement limits.

Factors That Impact Cost Of Your Pet Insurance Policy

Similar to your health insurance plan, your pet insurance price is going to vary depending on certain factors, such as:

• Where you live. Pet insurance companies take the cost of vet care in your area into account when pricing your policy.
• Your pet’s age. Because older animals are more likely to have health problems, their premiums are generally higher.
• Your pet’s breed. Certain breeds are more prone to health issues. For example, bulldogs and Boston terriers often develop breathing problems, while German Shepherds and other large breeds are more likely than others to get hip dysplasia. These potential problems may be reflected in the cost of your pet insurance plan.
• Your deductibles, coinsurance and coverage limits. The less you’re willing to pay out of pocket for your pet’s care, the higher your pet insurance premium will be. For instance, choosing a $100 deductible instead of a $500 one means your plan will start reimbursing you sooner for your pet’s care — but it’ll cost you more in premiums.