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5 Best Pet Insurance for Boston Terriers (2025 Reviews)

boston terrier pet insurance
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As all dog people know, the chance of their beloved pup becoming sick at some point is sadly a possibility. Even your stylish Boston Terrier, often called “The American Gentleman,” thanks to his built-in tuxedo appearance, is not immune to accidents and sudden illness. Though your Boston Terrier is always up for looking his best, when he’s having health issues and needs urgent medical care, you want to get him the best care as soon as possible.

Unfortunately, the urgent care costs can add up quickly and be overwhelming. Finding the right pet insurance will help ease the financial burden of sudden medical emergencies facing your Boston Terrier. We’ve already researched and found the best pet insurance options for you and your stylishly well-dressed Boston Terrier.

boston terrier pet insurance

5 Top Pet Insurance Companies Compared for Boston Terriers

  • 1

    Best overall

    Lemonade

    4.9
    Our score
    Average price for
    Boston Terriers     $22.92/mo
    Reimbursement amount 90%
    Annual benefit $20,000

    • Lemonade features the overall best Boston Terriers pet insurance plan at the most competitive rates

    • Claims can be paid in under 60 seconds via their world-class app. I was blown away by how quickly they approved my claim and how much they paid

    • Lemonade is a certified B-corp that donates a significant portion of their unclaimed premiums to pet parents’ preferred non-profit organizations

    Visit Site ➜
  • 2

    Best for wellness

    Wagmo

    4.7
    Our score
    Average price for
    Boston Terriers     $56.43/mo
    Reimbursement amount 90%
    Annual benefit $20,000

    • They are one of the few companies that reimburse up to 100% of veterinary costs and provide quick reimbursements

    • Wagmo’s top-notch wellness plans extend coverage to include your pet’s routine and preventative care

    • Wagmo offers instant coverage for cats and dogs in all 50 states, regardless of their age, breed, or any health conditions (with some limitations)

    Visit Site ➜
  • 3

    Best live vet support

    Figo

    4.6
    Our score
    Average price for
    Boston Terriers     $41.33/mo
    Reimbursement amount 90%
    Annual benefit $5,000

    • Figo provides free 24/7 telehealth services to Boston Terriers owners with licensed veterinarians and other essential professionals on call

    • Their pet records app and real-time claims tracker are easy and intuitive to use

    • Figo covers most ‘curable’ pre-existing conditions as long as the pet has been symptom-free for 12 months since their last treatment

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  • 4

    Best for pre-existing conditions

    Pawp

    4.5
    Our score
    Average price for
    Boston Terriers     $24/mo
    Reimbursement amount 100%
    Annual benefit $3,000

    • Pawp allows you to protect up to 6 pets under one membership regardless of age or pre-existing conditions

    • Pawp membership gives Boston Terriers pet parents access to an annual one-time use $3,000 Emergency Fund to cover unexpected accidents or illnesses

    • Pawp does not require copays, credit checks or deductibles

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  • 5

    Best established brand

    Embrace

    4.3
    Our score
    Average price for
    Boston Terriers     $40.32/mo
    Reimbursement amount 90%
    Annual benefit $5,000

    • With Embrace’s “Healthy Pet Deductible,” your annual deductible drops by $50 every year you do not get reimbursed for a claim

    • Embrace has an easy-to-use claims portal and paid 92% of claims in 2021

    • Their Wellness Rewards is one of the most flexible preventative care plans available, offering a whole host of benefits, including training and grooming

    Visit Site ➜

Based on our personal experience and countless hours of research, we’ve found Lemonade Pet Insurance offers the ideal balance between coverage and unbeatable prices.

Get a quote in less than 60 seconds ➜

FAQs about Boston Terrier Pet Insurance

  • 1. How much does pet insurance cost for Boston Terriers?

    Boston Terriers have an average monthly premium range from $22.92 to $56.43. Insurance companies use several factors that help to calculate that range such as your pup’s age, breed, health conditions and average veterinary costs within the state.

  • 2. What does pet insurance typically cover for Boston Terriers?

    Coverage for Boston Terriers will be different from one insurance company to another. In most cases, you can plan on your policy to cover accidents and illnesses, especially sudden and catastrophic ones. Benefits typically extend to tests, exams, emergency care, other diagnostic procedures, medication, and surgery.

  • 3. Can I cancel my Boston Terrier insurance plan after making a claim?

    Because cancellation policies and processes will differ from company to company, you should clarify with your specific provider the policies around discontinuing your insurance. Normally you can cancel your Boston Terrier’s policy at any time.

  • 4. Do pet insurance companies cover spaying and neutering?

    Most pet insurance companies do not cover spaying and neutering as part of their policy options. That said, companies such as Embrace offer optional wellness packages that will reimburse for these procedures should you decide it’s something you want to pursue for your Boston Terrier.

  • 5. Does the cost of insurance increase as my Boston Terrier ages?

    In general, you want to insure your pup as early as possible as pet insurance costs tend to only go up as your Boston Terrier gets older, especially after age 4 or 5. These rate increases help providers offset the elevated risk that your older dog will develop a health condition or become ill, especially as they age.

  • 6. Which companies cover pre-existing conditions?

    Today, there are two options for insurance companies that offer coverage for pre-existing conditions. Check out Pawp for covering pre-existing conditions in emergencies. Also, take a look at Embrace as they have some policy terms that will cover some pre-existing conditions. You should be sure to look closely at the benefits and exclusions with any insurance company you may be considering as coverage for your pet. Remember, while these two offer the ability to include pre-existing conditions in your policy, most actually do not have pre-existing conditions as an option. The good news is that just because your Boston Terrier may have a pre-existing issue, it doesn’t necessarily mean he won’t qualify for an insurance policy.

  • 7. Is pet insurance worth it for Boston Terriers?

    Pet insurance really benefits all dogs, especially since, as the saying goes, accidents do happen. Your Boston Terrier is cute as a button with his tuxedo look, but he’s not immune to accidents and illness that can pop up at any time. Finding last minute emergency veterinary care is expensive, plus ongoing medical care costs add up quickly. Your Boston Terrier is prone to Congenital Deafness and is known for developing Patellar Luxation, which is an elbow displacement. The surgery, related procedures and required follow-up can cost as much as $6,000. Another common issue for Boston Terriers is Brachycephalic Syndrome, a breathing obstruction common in dogs with very cute flat faces. Plan on surgery to fix the issue running upwards of $2,000. This is where pet insurance can give you the support needed to help you care for your Boston Terrier and all of his veterinary requirements.

More Details About Pet Insurance for Boston Terriers

  • 1. Lemonade

    (Best overall)

    Why it’s great: There’s a few reasons why Lemonade made it as our Best in Show. Lemonade tops the scoreboard is it offers extra preventative care options for puppies under two-years old. Also, for a small added fee you can customize your policy to include options to help pay for your Boston Terrier’s regular exam visits and even for physical therapy. Lemonade’s waiting period for accidents is two days, which is lower than most other companies. If you can bundle your home or renter’s insurance with your pet policy, then look for extra savings of about 10%, which will make a big difference and add up quickly.

    Keep in mind: You’ll need to pull together records from a previous veterinary visit in order for your Boston Terrier to qualify for coverage. Also, if your pup is more on the senior side, older than 14, then he likely won’t qualify for coverage.

    Good for: Nearly all Boston Terriers, especially puppies with no pre-existing conditions.

    Average price for Boston Terriers: $22.92/month 

    Lemonade

    Learn more on Lemonade.com ➜

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: If wellness is your goal, then Wagmo is a good option as wellness coverage can be purchased as a standalone option or as an add on to your overall policy. Plus, if you have more than one Boston Terrier pup, Wagmo offers a 10% multi-pet discount. Be sure to use the tech-friendly mobile app for the live-chat feature and to submit and track your claims.

    Keep in mind: Some health issues are not part of coverage plans, such as hip dysplasia in dogs that are 6-years or older and pets that are more than 15-years-old or more are not eligible for pet insurance.

    Good for: Boston Terrier people looking for a balanced mix of wellness and a live-chat feature to help with emergency care coverage.

    Average price for Boston Terriers: $56.43/month

    Wagmo

    Learn more on Wagmo.io ➜

  • 3. Figo

    (Best live vet support)

    Why it’s great: Boston Terrier parents will certainly love the 24/7 veterinary support feature. The next best offering is that most claims are settled in less than three days, so getting your reimbursement check quickly is a plus. Also topping the list is that, unlike other insurance options, Figo may actually cover some pre-existing conditions that are considered to be curable.

    Keep in mind: On the flip side, Figo will not cover pre-existing conditions deemed incurable, along with any experimental treatments.

    Good for: Boston Terrier people who need to have that 24/7 veterinary support for those questions that inevitably pop into your head in the middle of the night

    Average price for Boston Terriers: $41.33/month

    Figo

    Learn more on Figopetinsurance.com ➜

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: With a fixed rate, there’s no surprises to worry about for your Boston Terrier, but really the biggest plus is that Pawp will pay your vet directly for your Boston Terrier’s medical bills, instead of the typical plan where you need to pay out of pocket then submit for reimbursement from the insurance company. Also, unlike other companies, Pawp will pay for pre-existing conditions, as long as those pre-existing conditions are considered to be life threatening. Supplemental coverage with a $3,000 emergency fund that can be used for one life threatening emergency per year is a big plus.

    Keep in mind: Pawp doesn’t offer any options for routine medical treatments and there is a requirement to complete a video call with a Pawp vet before you can access your policy emergency fund, which means you’ll face a potential delay in medical treatment.

    Good for: Boston Terrier parents with multiple pets (Pawp covers up to six pets) who want 24-hour access to a digital clinic of licensed veterinarians at a fixed rate.

    Average price for Boston Terriers: $24/month

    Pawp

    Learn more on Pawp.com ➜

  • 5. Embrace

    (Best established brand)

    Why it’s great: Just like the Boston Terrier lineage, Embrace is a company that’s been around for a long time, think of it as the Ford Motors of pet insurance companies. There’s lots of perks, including the flexibility to choose your own vet and a mobile app instead of claim forms. Look for military (active and former members) and multi-pet discounts as well as a short two-day waiting period for accidents. Also, bonus, deductibles will decrease for zero claim reimbursements.

    Keep in mind: There’s no wellness or preventative care options and a six-month waiting period for any orthopedic coverage could be challenging.

    Good for: Boston Terrier parents who want the flexibility to choose their own vet and a policy that includes routine check-ups.

    Average price for Boston Terriers: $40.32/month

    Embrace

    Learn more on Embracepetinsurance.com ➜

Best Overall

Lemonade

Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider for Boston Terriers and they also offer the best value.

Lemonade

Learn more on Lemonade.com ➜

Conclusion

It may seem overwhelming, but the goal here was to simplify all the options available when finding the right pet insurance for you and your Boston Terrier. It’s important to take the time and review what’s available as there’s definitely a policy that will fit all of your pet care needs. Other than love and affection, purchasing a pet insurance policy is one of the best things you can do to support your four-legged family member and ensure he gets all the support for emergencies and routine care that he needs to stick around for a lifetime.