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Cavalier King Charles Spaniels have energetic, friendly dispositions, and they crave attention. Also known as Cavaliers and Cavs, these little love bugs make excellent family furry members and lapdogs. However, it’s essential to know that this breed is predisposed to more serious health issues than many other breeds — so much so that Norway has banned the breeding of Cavs.
Due to inbreeding (i.e., a lack of genetic diversity), Cavaliers are prone to many inherited health issues, such as severe heart and spinal diseases, brachycephalic obstructive airway syndrome (BOAS), eye disorders, allergies, early-onset dental disease, hip dysplasia, patella luxation, intervertebral disc disease (IVDD), and more. Because many of these conditions require thousands of dollars to diagnose and treat, they can cause you great financial concern and emotional distress. However, pet insurance can help ease these burdens by paying for a large portion of your veterinary bills.
I’ve been a pet insurance expert for more than 10 years, and I specialize in assisting pet owners like you in selecting the best plan for your furry friend. I’ll offer guidance on possible health issues and related expenses for Cavalier King Charles Spaniels. Then, based on this breed’s unique needs, I’ve also narrowed down your best options for insuring your Cavalier.
Best Pet Insurance For Cavalier King Charles Spaniels
Like any other purebred dog, Cavalier King Charles Spaniels have unique insurance requirements. After conducting thorough research, I’ve narrowed down the top pet insurance options that cater to your pup’s needs. I considered several factors, such as hereditary health issues, age-specific needs, coverage options, premium costs, etc.
| Best For | Company | Get Quotes | Read In-Depth Reviews |
|---|---|---|---|
| Value |  |  | Read Review |
| All-Inclusive Policies |  | | Read Review |
| Unlimited Payouts |  | | Read Review |
| Cavalier Puppies |  | | Read Review |
| Dental Benefits |  | | Read Review |
| Customizable Plans |  | | Read Review |
| Vet Direct Pay |  | | Read Review |
Best Value: Pets Best
- Policy Options: Accident-Only, Accident & Illness, Wellness
- Annual Deductible Options: $50, $100, $200, $250, $500, $1,000
- Annual Payout Options: $5,000, $10,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Pets Best
Pets Best provides Cavaliers with first-rate policies with some of the most reasonable rates for all levels of coverage. You can choose from three customizable plans that cover accidents and illnesses and an accident-only option. Another stand-out feature is that Pets Best has shorter waiting times than many providers for orthopedic conditions commonly affecting this breed, like IVDD, hip dysplasia, and patellar luxation.
Pets Best also offers a wellness plan alongside their insurance offerings for an affordable monthly cost. This plan covers routine preventative veterinary expenses such as annual checkups, blood tests, professional dental cleanings, vaccinations, and additional services. The value of their plans is tough to beat.
Expert Price Analysis
When I looked at quotes for Cavaliers of various ages and locations, I found that Pets Best consistently provided some of the most competitive premiums. What really stood out to me was their pricing for top-tier coverage ($100 deductible, 90% reimbursement, and no payout limits). This option is quite budget-friendly compared to similar offerings from most other insurance companies.
| Pros | Cons |
|---|---|
| Often, the most affordable premiums for Cavs for all coverage levels | Lengthy (18–30 day) claim processing period |
| Offers an accident-only pet insurance policy | Additional costs to get coverage for vet exam fees and complementary care* |
| Includes coverage for curable pre-existing conditions after they have healed | |
| 5% multi-pet discount | |
| Wellness plan add-on is available | |
| Brief 3-day accident waiting period | |
| 14-day waiting periods for hip dysplasia, patella luxation, and IVDD (many have 6 months) | |
| No limitations on insuring senior dogs |
In-Depth Review Of Pets Best
If you’re interested in discovering more about this insurer, I suggest checking out my in-depth review of Pets Best. It will provide you with valuable insights into their plan options, coverage details, customization choices, waiting periods, and more.
Best All-Inclusive Policies: Fetch
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $250, $300, $400, $500, $600, $700
- Annual Payout Options: $5,000, $10,000, $15,000
- Reimbursement Options: 60%, 70%, 80%, 90%
Why I Picked Fetch
For pet owners who desire complete coverage with few exclusions, Fetch provides outstanding pet insurance plans. Every policy includes a wide range of benefits, such as coverage for complementary and behavioral therapies, vet exam fees, C-sections, curable pre-existing conditions, and treatment for gum disease. Knowing that procedures and cost estimates are pre-approved before treatment can ease your mind when you use Fetch. Additionally, they provide special perks like $1,000 yearly coverage for deductible-free virtual veterinary visits.
Expert Price Analysis
Fetch stands out for its competitive maximum coverage pricing for younger Cavaliers. Policies with a $15,000 payout, 90% reimbursement, and a $100 deductible were often a fantastic value. Fetch’s premiums were generally average to above average for those seeking lower coverage options, like a $5,000 payout, 90% reimbursement, and a $500 deductible.
| Pros | Cons |
|---|---|
| Provides extensive coverage without the need for add-ons | Longer than average 15-day waiting period for accidents |
| Includes coverage for curable pre-existing conditions after a year of being symptom-free | 6-month waiting periods for hip dysplasia, patellar luxation, and IVDD |
| Policies include unique perks like virtual vet appointments, trip cancellation, etc. | Excludes coverage for IVDD in some cases* |
| Wellness plan add-on is available | No multi-pet discount |
| Offers pre-approval of procedures/estimates before treatment | |
| Can enroll puppies as young as 6 weeks | |
| No limitations on insuring senior dogs |
In-Depth Review Of Fetch
If you want to dive deeper into this provider’s wide-ranging coverage, special benefits, customizations, and additional features, I suggest reading my detailed review of Fetch.
Best For Unlimited Payouts: Healthy Paws
- Policy Options: Accident & Illness
- Annual Deductible Options: $100, $250, $500, $750, $1,000
- Annual Payout Options: Unlimited
- Reimbursement Options: 50%, 60%, 70%, 80%, 90%
Why I Picked Healthy Paws
Given that Cavaliers are prone to several expensive health issues, it’s wise for owners to look into a policy that doesn’t have a payout limit. All of Healthy Paws’ policies include unlimited annual payouts, so you won’t have to stress about running out of coverage if your furry friend needs costly veterinary treatment. This all-encompassing protection brings you peace of mind, knowing that your pup’s well-being and your financial stability are safeguarded.
Although premiums for policies with unlimited payouts are higher, Healthy Paws offers competitive pricing that is often more affordable than other insurers’ policies with no annual caps and similar deductibles and reimbursement rates. In addition to this, Healthy Paws has a long-standing reputation for reliability and excellent customer service, making it a tempting choice for Cav owners.
Expert Price Analysis
It can be somewhat challenging to compare the premium costs of Healthy Paws, which only offers unlimited payouts, with those of other insurance providers. However, I noticed that the premiums for Cavaliers with Healthy Paws are often either more affordable or similar to those from other insurers that provide a $5,000 annual payout, along with similar deductibles and reimbursement choices.
| Pros | Cons |
|---|---|
| All policies come with unlimited payouts | For older dogs, limited options to customize your deductible and reimbursement |
| Highly competitive premiums for policies with unlimited caps and similar coverage compared to other insurers | Offers no coverage for veterinary exam costs or behavioral therapy |
| Quick 2-day average for claims processing | Some Cavs are uninsurable due to age and location |
| 15-day waiting periods for patellar luxation and IVDD | 12-month waiting period for hip dysplasia coverage |
| Includes coverage for complementary therapies | Hip dysplasia coverage is excluded for dogs enrolled at age 6 and up |
| Exceptional record of client satisfaction |
In-Depth Review Of Healthy Paws
For more details about this provider’s coverage, customizations, waiting periods, age restrictions, and more, see my comprehensive review of Healthy Paws.
Best For Cavalier Puppies: Figo
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750
- Annual Payout Options: $5,000, $10,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%, 100%
Why I Picked Figo
Figo stands out as an excellent insurance option for Cavalier puppies, providing competitive rates and an impressively short one-day waiting period for accidents. You can feel at ease knowing that your beloved pet is covered in case they accidentally eat something harmful or sustain an injury. Additionally, there’s an excellent perk for healthy dogs: Figo reduces your deductible by $50 for every year you don’t make a claim. What’s more, Figo distinguishes itself by offering the options of 100% reimbursement and unlimited annual payouts.
Expert Price Analysis
Figo’s quotes typically offered some of the most affordable premium prices for Cavalier puppies for lower and higher coverage. Depending on the location, the quotes for older Cavaliers were often competitive for low coverage but average to above average for high coverage.
| Pros | Cons |
|---|---|
| Premium pricing among the lowest for Cav puppies | Additional cost to get coverage for vet exam fees |
| Accident waiting period of only 1 day | 6-month waiting periods for hip dysplasia, patellar luxation, and IVDD |
| Gum disease, complementary treatment, and behavioral therapy are covered by all policies | |
| Includes coverage for curable pre-existing conditions after a year of being symptom-free | |
| Wellness plan add-on is available | |
| Figo reduces your deductible by $50 for each year you are claim-free | |
| Quick 2-day average for claims processing | |
| 5% multi-pet discount | |
| No limitations on insuring senior dogs |
In-Depth Review Of Figo
See my comprehensive review of Figo to read about my personal experience and to find out more about the various plan options, coverage, waiting periods, and reimbursement processes offered by this provider.
Best For Dental Benefits: Embrace
- Policy Options: Accident-Only, Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750, $1,000
- Annual Payout Options: $2,000, $5,000, $8,000, $10,000, $15,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Embrace
Cavaliers are prone to various dental problems due to the shape of their skulls and small mouths. Their overcrowded jaws put them at a higher risk of teeth misalignment and dental disease at an early age. Embrace stands out in the industry by offering exceptional dental benefits that cover a wide range of non-routine dental treatments, such as periodontal and endodontic diseases, tooth infections and extractions, dental injuries, and more. Moreover, unlike many other providers, Embrace’s policies include $1,000 annual coverage for dental issues.
Embrace also provides multiple wellness plans, one of which includes annual professional dental cleanings, which are essential for Cavaliers to help prevent dental disease. On top of that, every Embrace policy includes coverage for complementary and behavioral therapies. You also have the option to add coverage for veterinary exam costs and prescription drugs to get the most comprehensive coverage for your pet.
Expert Price Analysis
When I compared quotes for Cavaliers, I found that Embrace’s pricing was very competitive for lower coverage options ($750 deductible, 70% reimbursement, and a $5,000 payout). Rates for higher coverage ($100 deductible, 90% reimbursement, and unlimited payouts) were either average or slightly above average, depending on the age and location, compared to other insurers offering the same options.
| Pros | Cons |
|---|---|
| Among the best dental benefits available | Additional costs to get coverage for vet exam fees and prescription medications |
| 10% multi-pet discount | Some Cavs are uninsurable due to age and location |
| Embrace reduces your deductible by $50 for each year you are claim-free | 6-month waiting periods for hip dysplasia, patellar luxation, and IVDD |
| Complementary care, behavioral therapy, and $1,000 dental benefits are covered by all policies | |
| Includes coverage for curable pre-existing conditions after a year of being symptom-free | |
| Short 2-day waiting period for accidents | |
| Wellness plan add-ons are available |
In-Depth Review Of Embrace
My comprehensive review of Embrace contains more details about this insurer’s coverage, multiple customization choices, waiting periods, reimbursement timeline, and other topics.
Most Customizable Plans: Lemonade
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750
- Annual Payout Options: $5,000, $10,000, $20,000, $50,000, $100,000
- Reimbursement Options: 60%, 70%, 80%, 90%
Lemonade Pet Insurance Is NOT Available In: AK, AZ, DE, HI, ID, KS, KY, LA, ME, MT, WV, WY
Why I Picked Lemonade
Lemonade offers a flexible à-la-carte approach to pet insurance policies, allowing pet parents to customize coverage based on their budget. The base plan is consistently affordable compared to others in the industry. However, if you desire more comprehensive benefits, Lemonade provides the option to upgrade with various add-ons. These add-ons include vet exam fees, dental care, complementary care, behavioral therapy, and end-of-life benefits. Each add-on is reasonably priced, and two affordable optional wellness plans are available.
Additionally, Lemonade allows you to personalize your benefits further by selecting your deductible, reimbursement, and annual payout. It’s worth noting that Lemonade launched its pet insurance product in 2020. Despite being relatively new, this insurer has gained an excellent reputation.
Expert Price Analysis
When I obtained quotes for Cavalier King Charles Spaniel premiums for different ages and locations using a $500 deductible, 90% reimbursement, and $5,000 payout, Lemonade consistently offered economical rates. This remained true even when I added exam fee coverage.
| Pros | Cons |
|---|---|
| Many customization options for benefits and add-ons | Unavailable in 12 states |
| Affordable pricing for low and mid-range coverage | Adds-ons required for vet exam fees, dental coverage, complementary therapy, and behavioral therapy |
| 5% multi-pet discount | |
| Quick 2-day average for claims processing | |
| Includes coverage for curable pre-existing conditions after a year of being symptom-free | |
| Wellness plan add-ons are available | |
| 30-day waiting periods for hip dysplasia, IVDD, and patellar luxation |
In-Depth Review Of Lemonade
Be sure to read my in-depth review of Lemonade to find out more about this insurer’s coverage, many add-ons, AI-powered reimbursement process, and other features.
Best For Vet Direct Pay: Trupanion
- Policy Options: Accident & Illness
- Per-Incident Deductible Options: $0 – $1,000 (in $5 increments)
- Annual Payout Options: Unlimited
- Reimbursement Options: 50%, 60%, 70%, 80%, 90%, 100%
Why I Picked Trupanion
One of the biggest roadblocks with pet insurance is that it still requires the pet owner to pay for the vet bill upfront and then wait for reimbursement from the insurer. This is where Trupanion stands out. Trupanion has software that can be directly installed on your vet’s computer to eliminate the reimbursement process. The Vet Direct Pay software allows Trupanion to pay its portion of the vet bill before you leave the vet’s office, so you only have to pay the copay and deductible you’re responsible for. This can be a huge deal for Cavalier owners because this breed is prone to many expensive health conditions, including heart disease, orthopedic issues, breathing problems, dental disease, and more.
Expert Price Analysis
When I compared quotes for different ages and locations, Trupanion’s premiums for Cavalier King Charles Spaniels were considerably higher than those of other providers. In several cases, particularly for Cavs aged five and older, the pricing was two to three times as expensive as competitors.
| Pros | Cons |
|---|---|
| All policies come with unlimited payouts | Consistently the highest pricing for Cavaliers |
| Trupanion may be able to pay your vet directly, so you don’t have to wait for reimbursement | Offers no coverage for veterinary exam costs |
| 30-day waiting periods for hip dysplasia, patellar luxation, and IVDD (many have 6 months) | 30-day waiting period for illnesses is much longer than average |
| Includes coverage for curable pre-existing conditions after a year of being symptom-free | |
| Quick 2-day average for claims processing |
In-Depth Review Of Trupanion
Check out my full review of Trupanion to understand more about this insurer’s benefits, customizations, waiting periods, direct vet payments, and other features.
What Type Of Pet Insurance Plan Is Best For Cavalier King Charles Spaniels?
Regarding pet insurance, you have two primary policy options: one that only covers accidents or one that covers accidents and illnesses. Additionally, some insurance companies offer a wellness plan as an elective. With wellness plans, you can save money on your Cavalier’s preventive care, but it’s crucial to understand that they are not pet insurance. I’m including them here for your information because they’re offered during the enrollment process.
| Accident-Only | Accident & Illness | Wellness | |
|---|---|---|---|
| Injuries (heatstroke, eye trauma, fractures, wounds, accidental poisoning, etc.) |  | | |
| Diseases (dental disease, patella luxation, hip dysplasia, syringomyelia, epilepsy, etc.) | | ||
| Preventative (routine annual exams, vaccinations, professional dental cleaning, etc.) | |
What Are Accident-Only Pet Insurance Plans?
Accident-only plans offer an affordable way to ensure your furry friend gets emergency care for injuries such as heatstroke, accidental poisoning, sprains, broken bones, and fractures. They cater to pet owners who are mindful of their budget. However, they also benefit pets with many pre-existing conditions that wouldn’t qualify under a more comprehensive accident and illness policy. It’s important to note that these plans do not cover illnesses or hereditary conditions, and availability is limited among providers.
Pricing Tip – Generally, accident-only plans have substantially lower premiums than accident and illness plans.
What Are Accident & Illness Pet Insurance Plans?
Accident and illness insurance offers the most extensive coverage for your Cavalier. These policies not only address accidental injuries but also encompass various health concerns, such as heart disease, dental problems, allergies, ear infections, patellar luxation, hip dysplasia, IVDD, and other conditions frequently seen in Cavs. With this insurance, you can be ready to handle nearly any health issue that comes your way.
What Are Wellness Plans?
Wellness plans cover some expenses related to regular preventive care, including yearly checkups, vaccinations, professional dental cleanings, parasite prevention, and more. (Annual professional dental cleanings are crucial for Cavaliers, who are particularly prone to gum disease.) By opting for a wellness plan, you’re making a wise investment in your pet’s health while managing your budget for preventative care.
Wellness plans are not considered pet insurance and won’t cover medical costs related to illnesses or injuries.
What Does Pet Insurance Cover & Exclude?
When deemed medically necessary by a vet, the following conditions are covered by the accident and illness insurance plans offered by most insurance companies. However, depending on the provider, coverage can differ. Additionally, it’s crucial to carefully read your policy because different insurers may impose specific limitations for particular conditions.
| Covered | Excluded |
|---|---|
| Blood tests | Boarding |
| Cancer (chemo & radiation) | Cremation & burial costs |
| CT scans | Elective procedures (e.g., declawing, ear cropping, spaying/neutering, tail docking, etc.) |
| Chronic conditions | Food & supplements |
| Congenital conditions | Grooming |
| Emergency care | Pre-existing conditions* |
| Euthanasia | Pregnancy & breeding |
| Hereditary conditions | Vaccines |
| MRIs | |
| Non-routine dental treatment | |
| Prescription medications | |
| Rehabilitation | |
| Specialized exams & care | |
| Surgery & hospitalization | |
| Ultrasounds | |
| X-rays |
Learn More About Pet Insurance Coverage
Check out my comprehensive guide on pet insurance coverage to gain a clearer understanding of the limitations to consider when choosing a policy.
What Determines The Cost Of Pet Insurance For Cavalier King Charles Spaniels?
Understanding the variables affecting pet insurance costs, including your dog’s age, residence, and more, is necessary.
- The age of your pet affects how much pet insurance costs. Due to their lower likelihood of health issues, younger dogs usually have cheaper premiums than older ones.
- Premium pricing is directly impacted by the cost of living in your area. Price fluctuations affect both you and veterinarians in the same way. You should, therefore, anticipate paying more for your veterinary bills and pet insurance if living expenses are high where you are.
- The cost of pet insurance is significantly influenced by breed. Health problems are more common in some breeds than in others. Furthermore, the higher health risks linked to purebred dogs, such as Cavaliers, can significantly affect insurance premiums.
- Male dogs may have higher insurance rates than females. This is due to the fact that male dogs are typically larger than female dogs, which may require higher medicine dosages, more extensive medical equipment, and additional medical supplies. Some insurers do not take a dog’s gender into account.
While some factors affecting your premium costs may be beyond your control, you can still craft a pet insurance policy that meets your requirements and budget through various customization options. Let me explain how this works below.
Customization Options Affect Cost & Benefits
When finding a pet insurance plan that suits your unique circumstances, you have more control than you may realize. Many pet insurance companies offer a range of adaptable plans to meet your budgetary needs. You can start by choosing between an accident-only plan or a more comprehensive accident and illness policy. Furthermore, you have the flexibility to adjust the deductible, reimbursement rate, and maximum payout to better align with your spending plan. It’s crucial to understand how these adaptations will impact your coverage.
What Is A Maximum Payout?
Pet insurance providers offer two types of maximum payouts: annual and lifetime. A maximum annual payout represents the total amount that the insurance company will reimburse you for your pet’s medical care within a single policy year. On the other hand, a lifetime cap refers to the total sum the insurer will cover throughout your pet’s insured life. All the providers discussed in this article have annual payouts, with common options being $5,000, $10,000, and unlimited.
Pricing Tip – If you choose a lower payout, your monthly premium will be less, but you will have to pay more out of pocket if the medical care for your Cav during a year exceeds your annual cap.
What Is A Deductible?
The deductible refers to the amount you need to pay out of pocket before your insurance company starts covering the rest of your veterinary bills. In this article, most pet insurance companies I recommend feature an annual deductible, which usually falls between $100 and $1,000. On the other hand, Trupanion uses a per-incident deductible. So, what sets these two types of deductibles apart?
- Annual deductible: An annual deductible is a one-time payment that you make each year, regardless of how many health issues or treatments your pet requires. This makes it easier to budget for your pet’s healthcare costs.
- Per-incident deductible: A per-incident deductible requires you to cover the deductible each time your pet faces a new medical emergency or illness. This can add up quickly if your dog experiences multiple health issues within a year. However, for ongoing chronic conditions like allergies, brachycephalic obstructive airway syndrome, dental disease, mitral valve disease, etc., a per-incident deductible can be beneficial. You only have to pay it once for that specific condition during your pet’s insured lifetime.
Pricing Tip– Choosing a lower deductible means paying less out of pocket when your dog receives treatment. However, keep in mind that a lower deductible will increase your monthly premium.
What’s The Reimbursement Percentage?
Choosing a reimbursement rate means deciding what portion of your veterinary expenses your insurance will pay after you’ve met your deductible. For instance, if you opt for a 90% reimbursement rate and have a $100 deductible, you’ll pay the initial $100 and then 10% of the vet bills, while the insurance will cover the rest. Typical reimbursement rates available from providers include 70%, 80%, and 90%.
Pricing Tip – Selecting a lower reimbursement percentage lowers your monthly premium, but it increases your out-of-pocket medical expenses if your pup requires treatment.
Learn More About Pet Insurance Costs
My complete guide to pet insurance costs offers you in-depth information on how your choices regarding deductibles, reimbursement, and payouts affect both your benefits and premium costs.
How Much Is Pet Insurance For A Cavalier King Charles Spaniel?
To get customized pet insurance quotes from top-rated providers, please fill out the form below with details about your Cav and your zip code. This will help you receive the most precise estimate of dog insurance costs suited to your needs. Additionally, I’ve gathered some quotes for Cavaliers to give you a rough idea of the pricing, which you can find below.
According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. is $56.30 ($31.94 for cats).
I ran pet insurance quotes for Cavaliers from the top companies I reviewed above, considering differences in age and location to give you a clear idea of premium costs. To make the comparison as accurate as possible, I compared prices from various insurers with similar deductibles, reimbursement options, and payout rates.
| Company | 6mo old male 95818 (Sacramento, CA) | 1yr old female 14211 (Buffalo, NY) | 2yr old male 33604 (Tampa, FL) | 5yr old female 78731 (Austin, TX) | 8yr old male 07305 (Jersey City, NJ) |
|---|---|---|---|---|---|
| $40.59 | $26.70 | $30.56 | $52.57 | $146.84 |
| $48.92 | $45.10 | $55.04 | $99.85 | $151.47* |
| $43.56*§ | $33.32*§ | $40.89§ | $60.52*§ | $74.92†§ |
| $43.98 | $41.13 | $32.87 | $54.57 | $132.02 |
| $37.76 | $31.76 | $28.57 | $52.74 | $79.47 |
| $30.60 | $28.65 | $20.71 | $35.16 | $72.69 |
| $89.08§ | $103.77§ | $255.80‡§ | $166.61§ | $310.27§ |
*80% reimbursement; †50% reimbursement and $1,000 deductible (no other options); ‡$0 deductible; §Unlimited annual payouts
Cavalier King Charles Spaniel Insurance Cost: Lowest & Highest Amounts
To give you more comparisons, I collected quotes for the highest and lowest monthly premiums for Cavalier King Charles Spaniel pet insurance from the same providers. These quotes consider the deductible, annual payout, reimbursement options, and optional add-ons (excluding wellness plans). I’ve also included premium ranges for Cavaliers of two different ages to show how a dog’s age at enrollment can affect insurance costs.
| Company | 2mo old 95818 (Sacramento, CA) | 5yr old 95818 (Sacramento, CA) | 2mo old 14211 (Buffalo, NY) | 5yr old 14211 (Buffalo, NY) | 2mo old 33604 (Tampa, FL) | 5yr old 33604 (Tampa, FL) | 2mo old 78731 (Austin, TX) | 5yr old 78731 (Austin, TX) | 2mo old 07305 (Jersey City, NJ) | 5yr old 07305 (Jersey City, NJ) |
|---|---|---|---|---|---|---|---|---|---|---|
| $18-$113 | $24-$152 | $12-$76 | $16-$102 | $16-$101 | $20-$125 | $19-$108 | $24-$134 | $26-$150 | $32-$185 |
| $33-$82 | $60-$156 | $32-$68 | $56-$125 | $36-$81 | $65-$149 | $39-$85 | $68-$155 | $37-$72 | $65-$129 |
| $26-$66 | $38-$75 | $25-$52 | Uninsurable | $26-$59 | $40-$102 | $31-$80 | $46-$72 | $31-$62 | $45-$70 |
| $19-$114 | $25-$149 | $17-$129 | $22-$167 | $13-102 | $20-$148 | $15-$113 | $22-$164 | $24-$158 | $32-$205 |
| $14-$147 | Uninsurable | $16-$137 | $16-$140 | $11-$74 | $15-$96 | $16-$107 | $21-$140 | $17-$111 | $22-$146 |
| $17-$121 | $22-$157 | $19-$109 | $22-$123 | $15-$92 | $18-$124 | $30-$129 | $25-$116 | $23-$120 | $27-$138 |
| $53-$222 | $108-$477 | $55-$229 | $94-$410 | $66-$195 | $140-$419 | $51-$211 | $99-$436 | $60-$255 | $122-$539 |
What Are Waiting Periods For Cavalier King Charles Spaniel Pet Insurance?
The time between signing up for an insurance plan and the start of your coverage is known as the waiting period, and it can differ based on the provider.* Waiting periods for accidents can be anywhere from 0 to 15 days, whereas waiting times for illnesses are usually around 14 days. Depending on the provider, they can be extended for orthopedic conditions, such as hip dysplasia, patella luxation, and IVDD.
*States are slowly adopting a Model Law for pet insurance. This Model Law attempts to standardize each state’s regulations, which includes a standard for waiting periods that all companies must follow. Waiting periods for California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, Washington, Rhode Island, and Maryland are as follows:
- Accidents – 0 days
- Illnesses – 14 days
- Cruciate Ligament Conditions – 30 days
- Routine Care – 0 days
Learn More About Waiting Periods
To find out why insurers establish these waiting times and other pertinent details, check out my thorough guide on pet insurance waiting periods.
How Does Pet Insurance For Cavalier King Charles Spaniels Work?
Using pet insurance is really easy after your policy’s waiting periods are over.
- At the time of service, pay your veterinarian’s bill in full.
- Submit a completed claim form and an itemized receipt to your insurance company. You should bring a copy of your claim form to your appointment because some insurers require your veterinarian’s signature on it.
- You will receive reimbursement* via your chosen payment method (check, direct deposit, etc.) after the insurance company approves your claim.
* Depending on how complex the claim is and each company’s stated timeline, processing reimbursements can take anywhere from a few minutes to a few weeks.
16 Common Health Issues In Cavalier King Charles Spaniels
Cavalier King Charles Spaniels typically live between 9 to 14 years, but they face many significant health challenges, partly due to limited genetic diversity. If you own a Cavalier, you must be aware of the potential health issues and the related costs that may arise with this breed. Being informed about these critical factors can help you determine if pet insurance is a good fit for your charming little Cav.
- Mitral valve disease is a chronic, degenerative heart disease that affects nearly half of Cavaliers by the age of 5 and nearly all by age 10. Diagnosis and medication costs can run from $500 to $2,000. The only cure for mitral valve disease is specialty surgery, which averages $30,000.
- Chiari-like malformation and syringomyelia (CM/SM) are components of a structural central nervous system disease that affects Cavs. In dogs with this painful condition, the skull is too small for the brain, causing fluid-filled cavities to develop in the spinal cord. An MRI, costing an average of $1,500, is required for diagnosis. Treatment options include medications, which run about $50 per month, or surgery, which can cost up to $10,000.
- Hip dysplasia occurs when the femur doesn’t align correctly with the hip socket. This condition can lead to progressively worsening discomfort and immobility. In many cases, surgery is necessary to enhance your dog’s quality of life, with costs typically ranging from $1,700 to $4,500 or more.
- Intervertebral disc disease (IVDD) develops when the intervertebral discs shift into the spinal canal. Diagnosis and treatment can include X-rays, MRIs, drugs, surgeries, regular examinations, and physical therapy. Costs can be anywhere from $3,000 to $8,000.
- Research indicates that Cavaliers are among the most prevalent breeds with the genetic form of patellar luxation, or a dislocated kneecap. In more than half of the cases, it affects both hind knees. Surgery, which can cost anywhere from $1,500 to $3,000 per knee, is frequently necessary to stop persistent knee dislocation.
- Cavaliers and other breeds with flat faces are susceptible to brachycephalic obstructive airway syndrome (BOAS), a long-term illness that can worsen over time. Their distinct skull shape causes breathing problems in their upper airways. Some symptoms may be relieved by continuous medication, but in severe cases, surgery may be necessary, which can cost more than $1,000.
- Because they struggle to breathe and cool down, dogs with BOAS are more likely to suffer from heatstroke. Although the average cost of treatment is between $500 and $1,000, severe cases may require intensive care and lengthy hospital stays that exceed $15,000.
- Many eye conditions, such as cataracts, cherry eye, dry eye, entropion, retinal dysplasia, and corneal ulcers, can affect Cavaliers. The cost varies considerably based on the problem. For instance, the average cost of cataract surgery is between $2,600 and $3,800. Other issues can cost more than $1,000 each to treat.
- Because of their small jaws and crowded teeth, Cavaliers are prone to early-onset dental disease. The best thing you can do is prevent gum disease. Along with yearly professional dental cleanings, which can cost between $300 and $700 (which a wellness plan can help cover), developing an at-home dental hygiene routine is imperative.
- Allergies are ongoing conditions that need various treatment methods depending on their origin and intensity. The expenses for diagnosis, testing, medications, injections, specialized diets, creams, and other therapies can surpass $2,000 over a pup’s lifetime.
- This breed is susceptible to ichthyosis, a chronic skin condition that results in skin infections, hair loss, and scaling. Topical creams, medicated shampoos, and oral medications can all be used as part of a lifetime treatment. The average monthly cost is $50.
- Cavaliers are prone to ear infections. Initial and follow-up veterinary visits, prescription drugs, and diagnostic testing can all cost $500 or more for each occurrence.
- Cavaliers may experience problems with their anal glands or sacs. An infected impaction usually necessitates an in-hospital drug infusion, which can cost up to $1,000 per instance. Some Cavs experience these issues so frequently that an anal sacculectomy—the surgical removal of the anal glands—is necessary. The price range for this specialized procedure is between $750 and $2,500.
- Epilepsy causes irregular electrical activity in a dog’s brain, leading to seizures. For simple cases, the expense for medications and regular vet checkups is about $500 annually. However, in more complex cases, dogs may need more frequent visits and pricier medications, with yearly costs varying between $1,000 and $5,000.
- A disorder exclusive to Cavaliers, episodic falling syndrome (EFS) causes seizure-like spastic muscle contractions without loss of consciousness. It typically appears between 3 months and 4 years of age, particularly during exertion, excitement, or stress. Medications can cost up to $1,000, depending on how long your pup needs to take them.
- Degenerative myelopathy is a genetic neurological condition that leads to a gradual weakening and loss of function in the hind legs. Diagnostics can run from $500 to $4,000. Physical therapy and nutritional supplements, costing $500 or more monthly, may help slow the disease’s progression. Unfortunately, there is currently no cure.
Is Pet Insurance Worth It For Cavalier King Charles Spaniels?
These are just a few statistics that highlight the health risks that Cavaliers face. In the Orthopedic Foundation for Animals (OFA) 2023 breed summary report of Cavs, nearly 16% tested positive for hip dysplasia, more than 13% for advanced heart problems, over 24% for degenerative myelopathy (DM), and approximately 17% for at least one eye abnormality.
Another measure of this breed’s health is Embark’s at-home DNA testing for inherited disease risks. Based on Embark’s current database of the breeders who opted into research, 99.9% of Cavaliers have tested at risk for IVDD. Additionally, 47.8% tested as carriers for DM, and 24.8% were at risk of developing DM.
Finally, a 2015 study of over 1,700 Cavaliers by the Royal Veterinary College (RVC) found that the most prevalent issues for Cavs living in the U.K. were heart murmurs (30.9%), diarrhea of unspecified cause (11%), dental disease (9.5%), otitis externa (9.2%), conjunctivitis (7.4%) and anal sac infection (7.4%). Further RVC research in 2023 found that one in 60 Cavs in the U.K. have syringomyelia.
Due to this breed’s tendency to develop costly health issues, it’s essential to consider pet insurance for Cavaliers. Investing in pet insurance can ensure your beloved companion gets all the medical care they require if problems arise. Getting your dog insured before medical emergencies or genetic issues develop is smart. Why? Pet insurance won’t cover most pre-existing conditions.
Determine If Your Cavalier King Charles Spaniel Needs Insurance
Still can’t decide? I encourage you to read my in-depth guide that discusses whether pet insurance is worth it to help you make a more informed decision.
5 Steps To Find The Best Pet Insurance For Cavalier King Charles Spaniels
The following are the most important considerations when choosing the best insurance plan for your Cavalier.
- Assess the reputation and financial strength of each insurance provider. Generally, well-established pet insurance companies offer greater reliability compared to newer ones.
- Consider all potential health issues that your Cav might face and review the policy specifics closely to see how each condition is handled.
- Decide whether you want a policy that covers only accidents or one that also covers illnesses and hereditary conditions.
- Make sure you know each provider’s average claim processing time and how reimbursement works.
- Gather quotes from at least three pet insurance companies for price comparison.
Methodology
To determine the best pet insurance for Cavalier King Charles Spaniels, we analyzed more than 40 U.S. pet insurance companies to provide an unbiased breakdown of how providers compare against one another. Our in-depth research includes:
- Running thousands of price quotes
- Reading hundreds of customer reviews
- Scrutinizing every policy from top to bottom and reading all the fine print
- Scoping out the purchase process
- Speaking with customer service representatives
- Having firsthand experience submitting claims with companies
- Comparing plan customization details
- Examining how long it takes to receive reimbursement
- Factoring in company history and years in the pet insurance marketplace
- Meeting with company representatives to discuss changes related to the industry, their company, and their offerings
- Requiring national experience for companies
Unlike many other review sites, we refuse to let pet insurance companies pay for the top spot in our rankings. Companies must earn their position in our comparisons by performing well in the marketplace. We also point out each company’s pros and cons in light of their competitor’s strengths. In doing so for over a decade, we’ve helped pet parents make more educated decisions among the top pet insurance options. Pet insurance providers read our reviews, regularly check them for accuracy, and value our input to help create positive industry changes and better protect your pets. We only recommend the best of the best because it’s what our readers deserve.
Additional Pet Insurance Resources
- Best Pet Insurance
- Is Pet Insurance Worth It?
- What Does Pet Insurance Cover?
- How Much Does Pet Insurance Cost?
- Best Pet Insurance For Pre-Existing Conditions
Why Trust Canine Journal?
Canine Journal has been covering the topic of pet insurance since 2012, well before other conglomerates discovered the rising popularity of health care for our pets. Many of our authors have personal experience with pet insurance, including Kimberly Alt, who has been Canine Journal’s go-to writer for pet insurance for over a decade, having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head, she can find it within minutes due to her vast list of resources. Kimberly also has extensive knowledge of dog health conditions, which can help her recommend pet insurance providers to pet owners with specific breeds.
Kimberly collaborated with Sally Jones, a seasoned health sciences communications professional with decades of experience. Sally specializes in dog health and is adept at producing content on technical topics such as pet insurance. Her wealth of knowledge and insight played a crucial role in this article’s thorough research and composition.
Kimberly also consulted with Michelle Schenker, Canine Journal’s in-house licensed insurance agent, for additional expertise to ensure accuracy and give Canine Journal the authority to write about and assist readers in purchasing policies that are accurately represented.
