Best Pet Insurance For American Staffordshires In April, 2024

 In my professional opinion, Healthy Paws offers the best pet insurance for American Staffordshires.

min read
Updated: 18 February 2024
Written by
Bob Phillips
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American Staffordshire Terriers, beloved for their friendly nature and intelligence, are popular terrier breeds. Originating from the United States, they have a history as excellent family pets and were initially bred for their strength and courage. Sporting a short, sleek coat, they come in various colors, including blue, red, and fawn.

Energetic and social, American Staffordshire Terriers thrive in active families and enjoy outdoor activities. Their determination and agility make them exceptional in various canine sports. As loyal companions, American Staffordshire Terriers form strong bonds with their owners, displaying affectionate and devoted behavior. Renowned for their joyful disposition and versatility, American Staffordshire Terriers continue to be one of the most loved breeds worldwide.

If you own an American Staffordshire, you’re undoubtedly concerned about its health and well-being. As a pure breed, an American Staffordshire 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 American Staffordshires 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.

Common health issues for American Staffordshires

Purebred dogs, including American Staffordshires, tend to be prone to health issues. Over the years, some breeders have neglected genetics when breeding American Staffordshires, creating issues that filter down throughout the American Staffordshire population. In general, American Staffordshires are more susceptible to genetic problems than other breeds.

These are some of the most common health issues for American Staffordshires:

  • Hip dysplasia
  • Allergies
  • Cataracts
  • Demodectic mange
  • Hypothyroidism

Hip Dysplasia

Hip dysplasia is a common health concern in American Staffordshire Terriers, impacting the hip joint’s functionality. It’s a genetic condition where the hip joint doesn’t fit properly into the hip socket, causing pain, stiffness, and reduced mobility. Over time, this malformation can lead to arthritis. While it can’t be cured, management often involves weight management, exercise modification, anti-inflammatory medication, and sometimes surgery.

The cost of surgery for hip dysplasia can range from $1,200 to $14,000, depending on the chosen procedure and the dog’s condition, size, age, and overall health. The three main surgical options for hip dysplasia in dogs are Femoral Head Ostectomy (FHO), Double Pelvic Osteotomy (DPO)/Triple Pelvic Osteotomy (TPO), and Total Hip Replacement (THR). FHO surgery can cost from $1,200 to $2,500, while the cost of DPO/TPO surgery is approximately $1,700 to $4,500. THR surgery can range from $3,500 per hip to $7,000, and if both hips require surgery, the cost can be up to $14,000

Allergies

Allergies, including food and environmental allergies, are frequent health issues in American Staffordshire Terriers, resulting in itching, redness, rashes, and ear infections. Identifying and managing allergens through dietary changes, allergen avoidance, and medication are crucial steps in alleviating discomfort. Regular check-ups with a veterinarian and a tailored approach to manage allergies effectively are essential for the well-being of an American Staffordshire Terrier and to enhance their overall quality of life.

The cost of allergy testing can range from $200 to $1,000, while the cost of medications and special diets can vary depending on the specific needs of the dog.

Cataracts

Cataracts, a common ocular issue in American Staffordshire Terriers, involve the clouding of the eye’s lens, leading to impaired vision. This condition can progress and cause complete vision loss if left untreated. Regular veterinary check-ups and early intervention, which may include surgery to remove the cataracts, are crucial in managing and preserving the dog’s eyesight. Timely and appropriate care can significantly improve the American Staffordshire Terrier’s visual health and overall well-being.

The cost of cataract surgery for dogs can range from $2,500 to $4,000, depending on the location, the individual veterinarian, whether the dog has cataracts in both eyes or just one, and any underlying conditions the dog may have.

Demodectic Mange

Demodectic mange, often known as demodex or red mange, is a skin condition caused by the Demodex mite. It can result in hair loss, redness, and skin infections, causing discomfort for the American Staffordshire Terrier. While mild cases may resolve without treatment, severe cases may require medicated baths, topical treatments, or oral medication.

Regular skin checks and prompt veterinary attention are crucial to manage demodectic mange effectively and enhance the affected dog’s comfort and well-being.

The cost of these treatments can vary, but a rough estimate for a 2-month treatment plan is around $200 to $400.

Hypothyroidism

Hypothyroidism is a common endocrine disorder in American Staffordshire Terriers, where the thyroid gland doesn’t produce enough thyroid hormone. This can result in weight gain, lethargy, skin issues, and a decreased metabolism. While it’s a manageable condition through lifelong medication, if left untreated, it can significantly impact the American Staffordshire Terrier’s overall health and quality of life. Regular monitoring and proper medication are crucial to keep the thyroid levels in check and manage the symptoms effectively.

The cost of medication can range from $15 to $50 per month, and blood tests can cost around $100 to $200 per year.

Best Pet Insurance Companies For American Staffordshires 2024

Different pet insurance companies for American Staffordshires are the same in many ways in that they will help ensure your pet is cared for and that your financial risk is limited, but they’re also different in some ways. So while one company may be best for your neighbor’s pet, another may be better for yours.

Here’s our breakdown of the best pet insurance companies for American Staffordshires:

healthy-paws
Best Overall - Healthy Paws
Lemonade
Best Cheap Coverage - Lemonade
manypetsicon-logo
Best for Puppies - ManyPets
Best Pet Insurance Companies For American Staffordshires 2024

Compare The Best Pet Insurance Companies For American Staffordshires

As you can see from our breakdown of the best pet insurance companies for American Staffordshires shown above, many high-quality companies are vying for the top spots. You can also see that each has its own particular strengths. Here’s a snapshot to give you a glance into each insurer:

Overall Rating Best For Waiting Period Reimbursement % Benefit Limit Get A Quote
Healthy Paws
4.9

Overall

15 days accident/illness

70%,80%,90%

Unlimited annual and lifetime

Instant Quote
Lemonade
4.8

Cheap

2 days accidents, 14 illness

70%,80%,90%

$5,000 to $100,000 annually

Instant Quote
ManyPets
4.8

Puppies

15 days accident/illness

70% or 80% (most states)

Unlimited annual and lifetime

Instant Quote
Pumpkin
4.7

Older Dogs

14 days accident/illness

90%

$10,000, $20,000, or unlimited

Instant Quote
Spot
4.7

Multiple Pets

14 days accident/illness

70%,80%,90%

$2,500 to unlimited

Instant Quote
Scroll to see comparisons

Our Methodology

Opinions and subsequent ratings were based on reviewing each insurer's website, customer reviews, other review sites, and personal experience having purchased and used pet insurance in the past.

Quotes Analyzed

Years Of Experience

Brands Reviewed

Research Hours

Detailed Reviews Of The Best American Staffordshire Insurance Companies


Best Overall

Overall Rating
4.9

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
10/10 Claims
10/10 Coverage level

Why We Like Them

Healthy Paws is the best pet insurance because it has no maximum on claim payouts, per-incident maximum, or caps. This means paying more, but it’s worth it to avoid putting pets down due to policy limits. Healthy Paws has one easy-to-understand policy, no costly add-ons, and allows you to use any licensed veterinarian. Submitting claims is simple through their mobile app or website, with most claims processed within two days.

Benefits & Drawbacks

Benefits
  • No maximum annual or lifetime payouts
  • Most claims processed within two days
  • 30-day money-back guarantee
  • Direct vet payments may be possible
Drawbacks
  • No routine wellness option

Runner-Up for Best Overall

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage level

Why We Like Them

We found Lemonade to be the cheapest pet insurance for American Staffordshires. While the limits are comparable to those of other companies we reviewed, they are not unlimited like those of Healthy Paws. Lemonade’s coverage limits range from $ 5,000 to $ 100,000 per year, with the premium increasing along with the limit you select.

Lemonade’s standard policy covers accidents and illnesses, including cancer, heart disease, skin conditions, broken bones, and hip dysplasia, a common ailment among older American Staffordshires. Like most insurers, Lemonade doesn’t pay for medical costs for preexisting conditions, dental illnesses, behavioral issues, or elective procedures.

Benefits & Drawbacks

Benefits
  • Optional wellness plan available
  • Accident waiting coverage period of only two days
  • You get a 10% discount by bundling pet insurance with home, renters, or car insurance you have with Lemonade
Drawbacks
  • No 24/7 pet telehealth line
  • Coverage for vet exam fees has to be added for an extra cost
  • No coverage for prescription food or microchipping

Best for Puppie

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage level

Why We Like Them

ManyPets has the most favorable coverage for puppies. Pre-existing coverages don’t affect the rates, cured conditions may be covered after 18 months, and unrelated conditions are still eligible for coverage.

Like all pups, young American Staffordshires can suffer from illnesses like poisoning, ingesting foreign bodies, and accidents stemming from their youthful energy. Covering them when they’re younger makes it far less likely that you’ll ever run into exclusions for pre-existing conditions when they’re older.

Benefits & Drawbacks

Benefits
  • Available in more than 40 states
  • Covers vet exam fees for illness and accident visits
  • Offers optional wellness plans
Drawbacks
  • No 24/7 pet telehealth line
  • Doesn’t cover pet behavioral therapy
  • No coverage for alternative therapies

Best for Older Dogs

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage level

Why We Like Them

As American Staffordshires age, they are prone to genetic illnesses that can lead to costly treatments, namely cruciate ligament issues and hip dysplasia. Pumpkin has no special waiting period for these conditions and covers veterinarian exam fees if you have to take your older American Staffordshire in for treatment.

Pumpkin has a good selection of coverage options for a wide range of problems American Staffordshires can experience, including surgeries and dental illnesses. You get a choice of three different deductibles and 90% reimbursement is standar

Benefits & Drawbacks

Benefits
  • Optional wellness plan available
  • Discounts for insuring multiple pets
  • 90% reimbursement for dogs and cats 8 weeks and older
Drawbacks
  • No 24/7 pet telehealth line
  • No accident-only plan is available

Best for Multiple Pets

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
8/10 Claims
10/10 Coverage level

Why We Like Them

Many American Staffordshire owners have multiple pets since American Staffordshires have such an amiable disposition. Spot provides a 10% discount for insuring more than one pet with them, which can add up to a lot of savings.

Spot’s optional preventive care plan provides coverage for wellness care, such as one annual visit to the vet, one fecal test, and one teeth cleaning. Some vaccinations are also covered.

Spot offers a 30-day money-back guarantee if you’re unsatisfied with the coverage or service. Spot also reimburses up to 90% on eligible vet bills, in addition to a 24/7 vet helpline. In addition, you can visit any U.S.-licensed veterinarian or specialist.

Benefits & Drawbacks

Benefits
  • Covers microchipping
  • Low $100 deductible is available
  • Has a 24/7 pet telehealth line
Drawbacks
  • Accidents have a 14-day waiting period, compared to 2 days with some top competitors

Average cost of pet insurance for American Staffordshires 

Company Deductible Annual Reimbursement % Monthly Price Age of Dog
Healthy Paws $500 70% $71.42 5 year old
Lemonade $500 70% $41.00 5 year old
Spot $500 70% $74.35 5 year old
Healthy Paws $500 80% $37.53 1 year old
Lemonade $500 80% $21.68 1 year old
Spot $500 80% $54.81 1 year old
Healthy Paws $500 70% $37.67 3 month old
Lemonade $500 70% $29.15 3 month old
Spot $500 70% $83.14 3 month old

Average cost of typical vet procedures

Typical Vet Procedure Average Cost Of Procedure
Puppy vaccinations $75-100
Flea & tick prevention $40-200
Heartworm prevention $24-120
Spay or neuter surgery $200-800
Annual exam $240-600
Teeth cleaning $200-500
Microchip $40

Average cost of emergency vet procedures  

Emergency Pet Procedure Average Cost Of Procedure
General consultation/exam $100-$150
General bloodwork $80-200
X-rays $150-$250
Ultrasound $300-$600
1-2 day hospitalization $600-$1,700
3-5 day hospitalization $1,500-$3,500
Wound treatment & repair $800-$1,500
Emergency surgery $800-$2,500
Oxygen therapy $500

Is pet insurance worth it for American Staffordshires?

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. Alower 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.

FAQs

Is pet insurance cheaper for purebred dogs?

Because purebreds are more likely to have a genetic predisposition to costly diseases and conditions, they are likely to cost more to insure than mixed-breed dogs.

What is the average cost of owning a American Staffordshire?

First-year costs are about $3,000 for vaccinations, food, grooming, and insurance, but the price drops to around $1,900 for each year after.

What insurance do you need for a dog?

A dog should have some level of pet insurance so the owner can pay vet bills that will keep their dog healthy and secure.

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