Best Pet Insurance For Boxers In April, 2024

Drawing from my professional experience, I find that Healthy Paws emerges as the best choice for pet insurance when considering the needs of Boxers.

min read
Updated: 23 January 2024
Written by
Bob Phillips
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When you’re a Boxer owner, your focus invariably revolves around their well-being and overall health. Given their purebred lineage, Boxers are more prone to inheritable health conditions compared to mixed-breed companions.

Unfortunately, a significant amount of pet owners, approximately 80%, might lack the financial capacity to manage an unexpected veterinary expense of $500 out of pocket. Nevertheless, enrolling your pet in an insurance plan can substantially reduce your financial risk.

Throughout this review, we will delve into some of the best pet insurance providers that cater specifically to Boxers. This will assist you in picking the insurance policy that best aligns with your needs.

It’s important to understand that pet insurance functions much like personal health insurance. It provides access to better treatment options while setting a limit on your personal expenses. Unlike individual health insurance, however, pet insurance doesn’t result in excessive costs.

Best Pet Insurance Companies For Boxers 2024

Different pet insurance companies tailored to Boxers share similar characteristics in assuring your pet's health and minimizing your financial risk. Yet, they also possess unique features that differentiate them. As a result, the ideal selection for one person's pet might not align perfectly with what's best for your furry companion.

In the following evaluation, we delve into the leading pet insurance brands that specifically cater to Boxers:

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

Comparison Of The Best Pet Insurance Companies For Boxers

The outline we've given about the best pet insurance companies for Boxers showcases that there are many great brands to choose from. Furthermore, you'll notice that each company has its own set of benefits. Let's take a brief look at each insurer to give you more insight:

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
Pumpkin
4.7

Older Dogs

14 days accident/illness

90%

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

Instant Quote
ManyPets
4.8

Puppies

15 days accident/illness

70% or 80% (most states)

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
Spot
4.7

Multiple Pets

14 days accident/illness

70%,80%,90%

$2,500 to unlimited

Instant Quote
Scroll to see comparisons

Our Methodology

The assessments and consequent ratings were developed by conducting a thorough analysis of the websites of each insurance provider, taking into account customer feedback, external review websites, and personal experience gained from previous purchases and use of pet insurance.

51

Quotes Analyzed

15+

Years Of Experience

24

Brands Reviewed

19+

Research Hours

Detailed Reviews Of The Best Boxer 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 distinguishes itself by offering a distinctive feature: the absence of claim payout limits, maximums for specific incidents, or restrictive caps.

Although the price might be higher than other companies, the true benefit lies in avoiding situations where pet euthanasia becomes necessary due to policy limitations.

Healthy Paws keeps things simple with a direct policy, without costly add-ons, and allowing the flexibility to choose any licensed veterinarian. They’ve streamlined the process of submitting claims through a user-friendly mobile app or website, and most claims are promptly processed within two days.

Benefits & Drawbacks

Benefits
  • Unlimited yearly and lifelong payouts
  • Quick handling for the majority of claims, usually within two days
  • Offers a 30-day money-back assurance
  • Possibility for direct veterinarian payments
Drawbacks
  • Absence of a routine wellness choice

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

According to our analysis, Lemonade emerged as the most budget-friendly choice for pet insurance, when considering Boxers. While its coverage limits match those of other companies we’ve reviewed, they lack the unlimited coverage found with Healthy Paws. Lemonade’s coverage ranges from $5,000 to $100,000 per year, with the premium adjusting based on your chosen limit.

Lemonade’s standard policy covers accidents and illnesses, addressing issues like cancer, heart disease, skin conditions, fractures, and the common problem of hip dysplasia in older Boxers. Similar to most insurers, Lemonade excludes coverage for preexisting conditions, dental matters, behavioral concerns, and elective procedures.

Benefits & Drawbacks

Benefits
  • Possibility to opt for an additional wellness plan
  • Brief waiting period for accidents, only two days
  • Potential 10% reduction for bundling pet insurance with Lemonade home, renters, or auto insurance
Drawbacks
  • No 24/7 pet telehealth helpline
  • Veterinary exam fee coverage demands an extra expense
  • Absence of coverage for prescription food or microchipping

Best for Puppies

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 excels in offering remarkably coverage for puppies. Rates remain unchanged by pre-existing conditions, and cured conditions could become eligible for coverage after 18 months. Moreover, unrelated conditions may still qualify for coverage.

Similar to any young pups, juvenile Boxers are prone to illnesses like ingestion of foreign objects, poisoning, and accidents stemming from their boundless energy. Insuring them at a younger age greatly reduces the chances of facing exclusions for pre-existing conditions as they grow older.

Benefits & Drawbacks

Benefits
  • Available in more than 40 states
  • Incorporates veterinary exam fees for both illness and accident-related appointments
  • Offers the possibility of wellness plans
Drawbacks
  • Lack of a 24/7 pet telehealth helpline
  • Exclusion of coverage for pet behavioral therapy
  • Absence of 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 Boxers age, they become prone to inherited illnesses that frequently demand costly treatments, especially issues like hip dysplasia and cruciate ligament problems. Pumpkin stands out by removing certain waiting periods for these conditions and incorporating coverage for veterinary exam fees, which might be necessary for treating your senior Boxer.

Pumpkin provides a comprehensive range of coverage options, catering to a wide array of potential problems that Boxers might face, including surgeries and dental issues. Choose from three deductible alternatives, with a standard reimbursement rate of 90%.

Benefits & Drawbacks

Benefits
  • Opportunity to add an elective wellness plan
  • Potential for price reductions when insuring multiple pets
  • Provides 90% reimbursement for dogs and cats aged 8 weeks and above
Drawbacks
  • Lack of a 24/7 pet telehealth helpline
  • No availability of a plan that covers only accidents

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

Considering the sociable nature of Boxers, many owners find themselves having more than one. Spot recognizes this and extends a 10% discount for insuring more than one pet, which can result in notable savings.

Spot’s optional preventive care plan expands coverage to include wellness care, including an annual vet visit, fecal test, and teeth cleaning. Specific vaccinations are also covered.

Backing their service, Spot offers a 30-day money-back guarantee for dissatisfaction with coverage or service. Furthermore, they reimburse up to 90% of qualifying vet expenses and grant access to a 24/7 vet helpline. Additionally, you have the freedom to consult any licensed veterinarian or specialist within the United States.

Benefits & Drawbacks

Benefits
  • Incorporates coverage for microchipping
  • Presents a budget-friendly $100 deductible choice
  • Highlights a round-the-clock pet telehealth helpline
Drawbacks
  • Accidents require a 14-day waiting period, unlike the 2 days observed with some top competitors

Average cost of pet insurance for Boxers 

Company Annual Reimbursement % Monthly Price Deductible Location Age of Dog
Lemonade 80% $22 $500 Kansas (zip code 64030) 1 year old
Healthy Paws 80% $39 $500 Kansas (zip code 64030) 1 year old
Lemonade 70% $42 $500 California (zip code 94203) 5 year old
Spot 70% $70 $500 California (zip code 94203) 5 year old
Healthy Paws 70% $76 $500 California (zip code 94203) 5 year old
Spot 70% $87 $500 North Carolina (zip code 28105) 3 month old
Healthy Paws 70% $32 $500 North Carolina (zip code 28105) 3 month old
Spot 80% $54 $500 Kansas (zip code 64030) 1 year old
Lemonade 70% $30 $500 North Carolina (zip code 28105) 3 month old

Average cost of typical vet procedures

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

Average cost of emergency vet procedures  

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

Average Cost for Common Health Issues For Boxers  

Condition Risk Average Cost 
Cardiomyopathy High $500-$1,500
Spondylosis Deformans High $3,000-$5,000
Aortic Stenosis High $500-$1,500
Bloat High $1,500-$7,500
Hypertrophic Osteodystrophy High $200-$1,500
Colitis High $500-$3,000

Common health issues for Boxers

As with all purebred canines, Boxers included, a predisposition to health issues is quite normal. Over the years, some breeders might have unintentionally ignored genetic factors during the breeding process, resulting in concerns that affect the broader Boxer community. In general, Boxers tend to have a greater vulnerability to genetic health issues when compared to other breeds.

Listed below are some common health considerations for Boxers:

  • Cancer Cardiomyopathy
  • Hip Dysplasia
  • Degenerative Myelopathy
  • Boxer Cardiomyopathy
  • Bloat
  • Seizures

Is pet insurance worth it for Boxers?

Pet insurance acts as a safety net against unexpected veterinary bills. While many pet owners handle medical expenses directly, a majority of Americans struggle to manage an emergency vet bill of $1500. The right pet insurance plan can truly make a difference. Having coverage enables you to make medical decisions for your beloved pet based on their well-being, without financial burdens.

The value of pet insurance mainly depends on your needs. If your pet is currently receiving treatment for an ongoing condition and you’re looking for financial help with its expenses, it’s important to recognize that none of the reviewed companies cover preexisting conditions, which could lead to disappointment.

However, if you understand the extent of your policy—knowing what it includes and excludes—while choosing a plan that fits your budget and needs, you’re likely to find the policy’s value to be considerable.

How to find the best pet insurance company for you

Choosing the correct pet insurance plan might seem perplexing due to the range in expenses and plan choices among various companies. To aid you in making this decision, remember these tips before settling on coverage for your pet:

Check whether your pet is eligible

When it comes to the little ones like puppies and kittens, most companies typically require a minimum age of 6 to 10 weeks before they can be insured. On the flip side, older pets might run into some restrictions when enrolling for the first time with certain companies, potentially getting limited to accident coverage. However, once you’re enrolled, the majority of plans provide coverage for the entirety of your pet’s life, as long as you’re keeping up with the premium payments.

Research what’s covered

Ordinarily, pet insurance plans encompass costs tied to surgeries, hospital stays, and medications when your pet faces illness or injury. Yet, there are specific aspects that certain companies might tack on extra charges for or leave out of coverage. Here are some practical examples:

  • Examination fees: Picture your dog injuring a leg. While many plans may cover expenses like X-rays, surgery, and pain relief, the fee for the vet’s examination might not be accounted for in some instances.
  • Alternative treatments and rehabilitation: Some companies embed coverage for practices like acupuncture and physical therapy in their standard plans, while others could require added fees for these services.
  • Behavioral therapies: Not all policies include veterinary treatment for issues like aggression or behavioral problems.
  • Prescription food: A handful of plans might omit coverage for prescribed food or supplements, even if your vet prescribes them for a covered condition.
  • Dental care: Pet insurance policies vary significantly concerning dental care. For example, your policy might not incorporate dental problems like gingivitis or periodontal disease. Conversely, it might cover such conditions only if your pet recently underwent a tooth cleaning. Certain optional wellness plans might encompass cleaning costs.

Remember, pet insurance policies generally exclude pre-existing conditions, cosmetic procedures, and breeding-related expenses from their coverage.

Decide how much coverage you want

The landscape of pet insurance consists of plans with yearly payout limits, while a select few boast boundless annual coverage. The suitable extent of coverage, one that instills a comforting sense of financial security for managing veterinary costs, varies for each individual.

During periods of your pet’s well-being, you could potentially navigate years without confronting anything beyond routine care expenditures. However, unforeseen surgical procedures or severe illnesses could culminate in expenses reaching several thousand dollars.

Understand reimbursements and deductibles

In the world of pet insurance, the majority of plans operate using a reimbursement model. This means you’ll be refunded a portion of your veterinary expenses. When you first get the plan, you usually get to pick your preferred reimbursement level—options like 70%, 80%, or 90%.

On the flip side, there’s another approach that some plans take. Instead of a percentage refund, they pay a set fee for specific treatments. This fee might be less than what your vet charges, leaving you responsible for the remaining cost.

Almost all plans come with a deductible. This is the initial amount you pay before the insurance coverage kicks in. You usually have choices for your deductible, such as $100, $250, or higher. Some plans apply the deductible to each treated injury or illness, while most only require you to meet the deductible once per year.

In the grand scheme, it’s a balancing act between what you pay out-of-pocket and what you pay for the coverage. Opting for a lower deductible and a higher reimbursement rate could mean a pricier premium. On the other hand, choosing a higher deductible and a lower reimbursement rate might translate to a lower premium.

Check waiting periods

Most plans include short waiting periods right after you get the policy, usually about 14 days, for general accident and illness coverage. During this time, the plan won’t cover any treatments

But there are plans that set longer waiting periods for specific conditions. For example, cruciate ligament injuries, which are common orthopedic problems in dogs, might have an extended waiting period. Cruciate ligaments are crucial for knee stability, and their injury can significantly affect a dog’s mobility.

Examine extra costs

A few pet insurance companies extend coverage to routine services such as check-ups and vaccinations. While this could appear appealing, it’s important to assess the expenses. Compare the annual cost of the wellness plan against what you’d usually pay each year for the services it includes. Be sure to read attentively since the items covered under “wellness” can differ across insurance companies.

Compare Quotes

The cost of insurance varies depending on the provider and the coverage level. Many pet insurers offer discounts; for example, insuring multiple pets might result in potential savings. However, a discount by itself doesn’t automatically mean the plan is the best option.

To find the right insurance for your pet, it’s vital to dig into the details and get quotes from various plans. Make sure you’re making a fair comparison by looking at coverage amounts, deductibles, and reimbursement limits that are consistent across the plans.

Factors that impact cost of your pet insurance policy

Much like your own health coverage, the price you pay for pet insurance can vary due to specific factors, which include:

  • Your location: Pet insurance companies consider local veterinary care costs when determining your policy’s cost.
  • Your pet’s age: Older animals tend to have more health issues, leading to higher premiums.
  • Your pet’s breed: Certain breeds have a tendency for health problems. For instance, breeds like bulldogs and Boston terriers often struggle with breathing, while larger breeds like German Shepherds are more prone to hip dysplasia. These breed tendencies could influence your pet insurance expenses.
  • Deductibles, coinsurance, and coverage limits: The less you’re willing to pay out of pocket for your pet’s care, the more your insurance premium will be. Opting for a lower deductible, say $100 instead of $500, results in faster reimbursement for your pet’s care, but comes with a higher premium cost.

Information about Boxers

Boxers, noted for their energetic spirit and loyalty, belong to the working group of breeds. Originating in Germany, they’ve gained recognition for their service as police and military dogs due to their inherent strength and protective instincts. Sporting a short, sleek coat, they exhibit a distinctive fawn or brindle color pattern.

With their playful and affectionate nature, Boxers thrive in families that engage in active play and appreciate their vivacity. Their sturdy build and boundless energy make them suitable for various physical activities and exercises. While they can be formidable protectors, Boxers are also known for their friendly interactions with children and their inherent watchfulness.

FAQs

Is pet insurance cheaper for purebred dogs?

Because of the higher chance of genetic predisposition to expensive diseases and conditions, insuring purebred dogs generally results in higher expenses compared to mixed-breed dogs.

What is the average cost of owning a Boxer?

During the first year, the costs add up to about $3,000, encompassing vaccinations, food, grooming, and insurance. Yet, the yearly expenses then decrease to roughly $1,900 per year.

What insurance do you need for a dog?

It’s a good idea for dog owners to consider having some level of pet insurance. This helps ensure they can handle veterinary costs, which in turn helps maintain their dog’s health and overall well-being.

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