English Cocker Spaniels are a delightful, intelligent, loyal breed. Although they are mostly healthy, English Cocker Spaniels can sometimes be subject to hip dysplasia, progressive retinal atrophy, or frequent ear infections in their long, floppy ears.
Any of these issues, from unexpected injury to mild or serious illnesses, can sometimes result in expensive veterinary bills. There are many pet insurance companies on the market today. We’ve done the research to find the best ones and outline some of the benefits in the following article. Hopefully, the information below can help you find the right policy for your English Cocker Spaniel.
5 Top Pet Insurance Companies Compared for English Cocker Spaniels
1
Best overall
4.9
Our score
Average price for
English Cocker Spaniels$27.75/mo
Reimbursement amount90%
Annual benefit$20,000
Lemonade features the overall best English Cocker Spaniels 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
Pawp allows you to protect up to 6 pets under one membership regardless of age or pre-existing conditions
Pawp membership gives English Cocker Spaniels 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
Average price for
English Cocker Spaniels$46.99/mo
Reimbursement amount90%
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
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.
1. Is there an average cost for pet insurance for English Cocker Spaniels?
You can expect to pay anywhere from $24 to $61 in monthly premiums for pet insurance for English Cocker Spaniels. To calculate these rates, most insurance companies consider a dog’s age, breed, and any known health conditions, along with average veterinary costs in your specific state.
2. What specific procedures does pet insurance typically cover for English Cocker Spaniels?
Every pet insurance company offers a range of different plans and coverage. You will know best what procedures you want covered for your specific English Cocker Spaniel, but you should also be aware of breed-specific issues like joint and eye health conditions. In general, it’s a good idea to make sure you have a policy that covers, at a minimum, emergency care for accidents or illnesses, especially if they might require surgery. Good, basic plans should offer options to cover diagnostic procedures, physical exams, hospital stays, medication, and surgery.
3. Once I’ve used my insurance coverage, making a claim for my English Cocker Spaniel, is there a minimum amount of time before I can cancel coverage?
English Cocker Spaniel owners can cancel insurance policies at any time, even after a claim. All pet insurance companies allow cancellation, but you should be aware that every company has different cancellation processes and timelines. It’s always a good idea to check with your specific provider to determine the correct procedure for cancellation.
4. Is spaying and neutering covered for my English Cocker Spaniel?
Generally speaking, pet insurance companies do not cover spaying and neutering, but some companies like Embrace have optional wellness packages that reimburse for these procedures.
5. I have an older English Cocker Spaniel. Does the cost of insurance increase as he ages?
Yes. Because health issues tend to increase or worsen as your pet ages, pet insurance costs also rise as your English Cocker Spaniel gets older. These rate increases help insurance providers offset the increased risks of older dogs developing new health conditions or becoming ill and requiring ongoing care for chronic health issues.
6. Are pre-existing health conditions ever covered?
Pre-existing health conditions are never covered by pet insurance companies, but Pawp is your best bet if your English Cocker Spaniel has a pre-existing condition. Pawp is more supplemental in nature than some of the other companies and gives you some coverage, even in emergencies. Other than Pawp, Embrace has some policy terms to cover some pre-existing conditions that might be considered curable. As you research your options, look carefully at the benefits and exclusions of any insurance company whose coverage you’re interested in and then clarify with a representative if this issue is important to you. Even if your English Cocker Spaniel has a pre-existing health condition, you will still be able to get insurance for your dog.
7. Is pet insurance for my English Cocker Spaniel really worth the cost of monthly premiums?
Every dog owner can benefit from pet insurance, regardless of the breed of dog. Even young, healthy dogs can get sick or injured unexpectedly, and emergency veterinary care can quickly become expensive, especially if prescription medication or surgery is involved. As a breed, English Cocker Spaniels can sometimes suffer from hip dysplasia, which is often treated surgically, costing up to $4,000. As with other small dog breeds, English Cocker Spaniels can also be subject to patellar luxation, where the kneecap moves out of place unexpectedly. Medication for this issue can be $50 a month and surgery ranges between $1,500 and $3,000 per knee. Fortunately, pet insurance can help you defray these significant out-of-pocket costs.
More Details About Pet Insurance for English Cocker Spaniels
1. Lemonade
(Best overall)
Why it’s great: Lemonade offers a wide variety of coverage for diagnostics like x-rays, outpatient procedures and emergency care, and even prescription medication. In addition to extensive accident and illness coverage, Lemonade also has pet wellness plans that cover routine care like annual physical exams and dental cleanings. If you already have other types of insurance with Lemonade (e.g., home, renters, etc.) you can get extra discounts for bundling your pet insurance too. Their mobile app provides a hassle-free digital experience that makes processing claims fast and easy. English Cocker Spaniel parents might be interested in the specialty care that Lemonade covers because this breed sometimes suffers from progressive retinal atrophy, which might require ongoing care from a veterinary ophthalmologist.
Keep in mind: Although Lemonade offers discounts for insuring more than one pet, each pet needs its own policy. After you purchase a policy for your English Cocker Spaniel, you will need to get a new quote for any additional pets.
Good for: Almost all English Cocker Spaniels, especially if you know he might need ongoing specialty care.
Average price for English Cocker Spaniels: $27.75/month
Why it’s great: Wagmo’s wellness plans reimburses English Cocker Spaniel parents for routine care that you are likely already getting for your pet, including grooming and vaccines. Once enrolled in Wagmo’s coverage, you can get up to 100% of covered veterinary treatment reimbursed for the remainder of the year once you’ve met your deductible, potentially saving you thousands of dollars. This company boasts a super-fast reimbursement process that pays you through direct deposit, PayPal or Venmo.
Keep in mind: Wagmo only offers coverage for hip dysplasia issues, which can affect English Cocker Spaniels, in dogs under 6 years of age. Even if your English Cocker Spaniel does not suffer from hip dysplasia currently, you might check other companies’ policies if your dog is older.
Good for: Owners of young English Cocker Spaniels who are interested in a wide array of coverage for wellness and preventative care, not just emergencies and illnesses.
Average price for English Cocker Spaniels: $60.83/month
Why it’s great: If you regularly have questions about caring for your English Cocker Spaniel, you might be interested in Figo, which allows you to chat directly with licensed veterinarians through their mobile app. Having access to veterinary support no matter what time it is or where you are can give you a great deal of peace of mind. In addition to veterinary support, Figo insurance also offers highly adaptable dog insurance plans. English Cocker Spaniel owners can choose coverage for emergencies, unexpected illnesses, chronic illnesses, ongoing care, or preventative care, customizing your plan in less than 60 seconds. If your English Cocker Spaniel suffers from progressive retinal atrophy, you will love that Figo’s plans have unlimited lifetime benefits and do not cap reimbursement claims for specific conditions, which is especially helpful if your dog needs ongoing ophthalmologic care.
Keep in mind: Most insurance companies exclude pre-existing conditions from coverage, and Figo is no exception. However, if your English Cocker Spaniel shows no symptoms of the health condition, such as hip dysplasia, within 12 months of the last treatment, Figo sometimes considers the pre-existing condition curable and provides coverage moving forward.
Good for: English Cocker Spaniels who might need coverage for chronic illnesses or ongoing care, such as ophthalmologic care.
Average price for English Cocker Spaniels: $49.19/month
Why it’s great: For only $24 a month, Pawp offers pet owners unlimited virtual visits with qualified veterinarians, regardless of your dog’s age, breed, or health condition. Since most insurance companies do not cover pre-existing conditions, Pawp is a great alternative if your English Cocker Spaniel is already dealing with hip dysplasia or progressive retinal atrophy. Once you enroll with Pawp, you will never have to wait for a vet appointment if you run out of medication or have a question in the middle of the night. Pet owners choose their regular veterinarians and have access to veterinary care without worrying about copays, deductibles or credit checks. One of the best features of Pawp is that if your English Cocker Spaniel experiences a health emergency, Pawp has an emergency fund that will cover your vet bill up to $3,000.
Keep in mind: In order to be covered by Pawp’s emergency fund mentioned above, one of Pawp’s virtual vets needs to determine that your English Cocker Spaniel’s health issue is a true emergency first. Once that requirement has been met, remember that only one vet bill up to $3,000 will be eligible annually.
Good for: Any English Cocker Spaniel, especially if he is older or has a pre-existing or chronic condition that requires ongoing care that might not be covered by other insurance companies.
Why it’s great: Embrace covers chronic conditions, including diagnostic procedures and treatments, which can be especially important to English Cocker Spaniel owners dealing with hip dysplasia or patellar luxation in their dogs. No matter what coverage you choose, Embrace automatically includes coverage for cancer treatment, including surgery, treatment, and follow-up visits, at no additional cost. One of Embrace’s best perks, however, is a diminishing deductible. Every year that you can renew your policy without claim reimbursements in the previous year, you receive an automatic $50 decrease in your deductible.
Keep in mind: Embrace’s wellness plan limits combined claims total to $650 annually for all breeds, including English Cocker Spaniels. Unused wellness plan funds cannot be used the following year and will not be reimbursed at the end of your policy year.
Good for: English Cocker Spaniels of all ages, even senior dogs who can be enrolled in an accident and illness plan up to their 15th birthday.
Average price for English Cocker Spaniels: $46.99/month
Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider for English Cocker Spaniels and they also offer the best value.
Hopefully, you’ve found some helpful information here to simplify your search for the right pet insurance for you and your English Cocker Spaniel. As you review the benefits each of these companies can offer your beloved companion, keep in mind your dog’s breed-specific issues, age, and general health. Enrolling your companion in dog insurance is an easy step to take to ensure you have the financial support you need when facing emergencies or even as you provide routine care. It’s always nice to have a helping hand when you need it, so you can relax and enjoy many more years with your English Cocker Spaniel.
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