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If you’re the proud parent of a Pembroke Welsh Corgi or Cardigan Welsh Corgi, you know how much fun and loveable these breeds can be. Pembroke Welsh Corgis have been among the top 15 most popular breeds in the U.S. for decades. And Pembrokes were late Queen Elizabeth’s favorite pup breed for many years.
Unfortunately, Corgis’ adorable short legs and long bodies put them at a higher risk for certain spine and orthopedic problems due to inherited abnormalities in cartilage growth and bone development. This means that Corgis can be more inclined to genetic health issues like intervertebral disc disease (IVDD), hip dysplasia, and degenerative myelopathy — as well as several eye disorders and heart, liver, and kidney problems.
So, if you have a purebred Corgi, pet insurance can help you relieve the financial burden that all of these expensive conditions cost to treat. As a pet insurance expert for over a decade, I can help you narrow down the insurance options that are best for Corgis. I’ll also give you a breakdown of the most common health issues and related costs that Corgis face to assist you in making the best decision for your pup.
Best Pet Insurance For Corgis
Similar to other purebred dogs, Corgis have specific insurance needs that are unique to them. After extensive research, I’ve carefully chosen the top pet insurance options that cater to your Corgi’s needs. In making my selections, I considered several factors, such as the dog’s age, potential health issues, coverage options, premium prices, and more.
| Best For | Company | Get Quotes | Read In-Depth Reviews |
|---|---|---|---|
| Hip Dysplasia & IVDD |  |  | Read Review |
| Value |  | | Read Review |
| Unlimited Payouts |  | | Read Review |
| Corgi Puppies |  | | Read Review |
| Customizable Plans |  | | Read Review |
| Most Affordable |  | | Read Review |
| Vet Direct Pay |  | | Read Review |
Best For Hip Dysplasia & IVDD: 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
Corgis are at a high genetic risk for developing intervertebral disc disease (IVDD), a debilitating spinal condition, and hip dysplasia, a painful orthopedic problem. Both of these health issues can be extremely expensive to treat, but catching them early is key to helping prevent disease progression. Many providers have six-month waiting periods for each, but Pets Best waiting periods for IVDD and hip dysplasia coverage are only 14 days.
Even with early intervention, IVDD and hip dysplasia can often require surgery to improve a dog’s quality of life — surgery and post-op rehabilitation for both conditions is extremely expensive. However, having a policy with unlimited annual payouts, like Pets Best offers, can significantly ease your financial burden and ensure your Corgi gets the best possible care.
Even with unlimited payouts, Pets Best policies are among the most affordable for the extensive coverage you get. This provider also has three accident and illness plan tiers and multiple customizable options for your deductible and reimbursement rate to design a policy that best fits your budget. Pets Best is a fantastic option for your Corgi’s current and future needs.
Expert Price Analysis
In most cases, the quotes I ran for Pets Best premiums were below average when comparing pricing for a policy with a $5,000 payout, 90% reimbursement, and a $500 deductible. When maxing out coverage (unlimited payout, 90% reimbursement, and $100 deductible), Pets Best still provided very competitive pricing for customizations similar to those of other insurers.
| Pros | Cons |
|---|---|
| Extremely competitive premium pricing across the board for Corgis | Processes claims in 18–30 days on average |
| 5% multi-pet discount | Added costs to cover exam fees and complementary therapy* |
| Optional wellness plans at affordable rates | Accident-only plan doesn’t cover CCL injuries |
| Covers treatable pre-existing conditions once they’re cured or healed | |
| Hip dysplasia and IVDD waiting periods are only 14 days (for many, it’s 6 months) | |
| 3-day accident waiting period is shorter than average | |
| No age restrictions for older dogs |
In-Depth Review Of Pets Best
Be sure to read my thorough review of Pets Best, where you can find all the essential information regarding coverage, waiting periods, reimbursement processes, customization options, and more.
Best Value: Fetch
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $250, $300, $400, $500, $700
- Annual Payout Options: $5,000, $10,000, $15,000
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Fetch
Fetch could be the ideal choice to protect your Corgi from head to tail if you want a comprehensive policy that offers excellent value. With minimal exclusions, their plans cover a wide range of services, including vet examination fees, dental disease, treatable pre-existing conditions, complementary care, behavioral therapy, and C-sections.
Moreover, Fetch stands out with unique benefits you won’t find with other insurers. These include $1,000 coverage for virtual vet consultations, trip cancellation if your dog falls ill, and more. With Fetch, you can also enjoy the convenience of pre-approval for procedures and cost estimates before treatment.
Expert Price Analysis
While looking at quotes for Corgis across different ages and locations, I discovered that Fetch offered the best value with its maximum benefits ($15,000 payout, 90% reimbursement, $100 deductible). It was more affordable than many other insurers with similar coverage options. However, Fetch’s premiums were about average to above average for lower coverage ($5,000 payout, 90% reimbursement, and $500 deductible).
| Pros | Cons |
|---|---|
| Maximum coverage is a fantastic value | Waiting period for accidents (15 days) is longer than average |
| Curable pre-existing conditions are covered after a year without any symptoms | 6-month waiting period for hip dysplasia coverage |
| Policies include virtual vet consultations, pet boarding, trip cancellation, and other unique benefits | Excludes coverage for IVDD in some cases* |
| Optional wellness (preventative) plan | |
| Offers prior approval for procedures and cost estimates | |
| Accepts puppies at 6 weeks (most are 8 weeks) |
In-Depth Review Of Fetch
Take a look at my detailed review of Fetch to discover its wide-ranging coverage, unique perks, customization options, waiting periods, and additional features.
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 Corgis are prone to several hereditary health issues that can be expensive to treat, it’s a good idea to look into pet insurance like Healthy Paws, which has no annual payout limits. You can rest easy knowing your beloved pup is protected against nearly any potential health problem, thanks to their unlimited payouts.
Healthy Paws pet insurance, despite its unlimited payouts, is less expensive than you might imagine. In fact, it offers competitively priced plans that are more budget-friendly than other insurers with similar deductibles, reimbursements, and unlimited annual payouts. Moreover, Healthy Paws is renowned for its quick claim processing and high customer satisfaction ratings.
Expert Price Analysis
When comparing quotes for several different ages and cities, I noticed that the premiums for Corgis were frequently more affordable or on par with those from other companies that offer a $5,000 yearly payout and similar deductible and reimbursement options.
| Pros | Cons |
|---|---|
| No maximum annual or lifetime payouts | Limited customization choices available for older dogs |
| Frequently more cost-effective than policies from other insurers with similar deductibles, reimbursements, and limitless payouts | Doesn’t offer coverage for vet exam fees or behavioral therapy |
| Quick average claim processing of 2 days | Coverage for hip dysplasia is unavailable for dogs who enroll at age 6 or older |
| Outstanding track record of customer satisfaction | Long 12-month waiting period before coverage for hip dysplasia begins |
In-Depth Review Of Healthy Paws
See my in-depth review of Healthy Paws to learn more about the coverage, customizations, waiting periods, reimbursement process, and other important details offered by this provider.
Best For Corgi 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 offers excellent insurance for Corgi puppies with highly competitive rates and the shortest accident waiting period in the industry—just one day. This means you can have peace of mind knowing that your accident-prone puppy is protected right from the start. What’s more, for healthy pups, the deductible decreases by $50 for every claim-free year. Figo also sets itself apart by providing both unlimited annual payout and 100% reimbursement options.
Expert Price Analysis
Figo’s quotes for Corgi puppies were typically among the lowest premium prices across many locations. However, adding on exam fees put Figo at about average. For older Corgis, quotes were mainly average to above average, depending on the city.
| Pros | Cons |
|---|---|
| Among the most affordable pricing for Corgi puppies | Extra cost for vet exam fee coverage |
| Good customization options, including 100% reimbursement (rare in the industry) | Long 6-month waiting periods for IVDD and hip dysplasia |
| 1-day accident waiting period is the shortest in the industry | |
| All policies include coverage for behavioral therapies, complementary care, and gum disease | |
| Curable pre-existing conditions are covered after a year without any symptoms | |
| 2 optional wellness plans to choose from | |
| Your deductible decreases by $50 every year you don’t submit a claim | |
| Processes claims in 3 days on average | |
| 5% discount for multiple pets |
In-Depth Review Of Figo
Take a look at my comprehensive review of Figo to learn more about its pre-set and customizable insurance plans, coverage, reimbursement process, and my personal experience with this provider.
Best For Customizable Plans: 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
Embrace offers a wide range of customizable options for your deductible, reimbursement, and annual payout, including unlimited caps. These flexible choices make it convenient to create a policy that perfectly meets the needs of both you and your cherished Corgi. For more comprehensive coverage, you can upgrade your policy to include prescription medications and veterinary exam fees. Additionally, Embrace’s accident and illness policies cover complementary care, behavior therapy, and up to $1,000 annually for dental issues, all at no extra cost.
Expert Price Analysis
When I ran quotes for Corgi pet insurance, Embrace’s premium pricing was typically average to above average when using the same deductible, reimbursement, and payout. However, in a few instances, pricing was very competitive, particularly for an eight-year-old living in Newark, NJ.
| Pros | Cons |
|---|---|
| Excellent customizable options for deductible, reimbursement, and payout | Extra costs for vet exam fee and prescription drug coverage |
| All policies include $1,000 for dental problems, complementary care, and behavioral therapies | Long 6-month waiting periods for IVDD and hip dysplasia coverage |
| Industry-leading 10% off for multiple pets | |
| Your deductible decreases by $50 every year you don’t submit a claim | |
| Curable pre-existing conditions are covered after a year without any symptoms | |
| Short 2-day accident waiting period | |
| Optional wellness plans available |
In-Depth Review Of Embrace
Check out my detailed review of Embrace for additional insights into this insurer’s coverage options, customization features, waiting periods, reimbursement procedures, and more.
Most Affordable: 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 is known for its budget-friendly pricing, making it an excellent choice for Corgi owners mindful of their expenses. Its basic plan is often one of the most affordable in the industry. If you want more extensive coverage, Lemonade offers separate add-ons that are also competitively priced. You can upgrade for exam fees, dental care, complementary therapy, and behavioral therapy. This à-la-carte approach gives you much flexibility to tailor your Corgi’s insurance to your budget.
Since its debut in the pet insurance market in 2020, Lemonade has rapidly gained positive recognition. Despite being newer than the other providers in this article, it has garnered outstanding customer reviews, particularly for its swift claims processing, which can only take a few minutes for uncomplicated claims.
Expert Price Analysis
When comparing quotes from top insurers, I found that Lemonade frequently provided some of the most affordable rates for Corgis, regardless of their age or location. This pattern remained consistent even when I factored in vet exam fees. Notably, Lemonade’s rates for older Corgis are particularly competitive.
| Pros | Cons |
|---|---|
| One of the most budget-friendly options for Corgi premiums | Unavailable in 12 states |
| Curable pre-existing conditions are covered after a year without any symptoms | Must pay extra for exam fees, complementary care, dental care, behavioral therapy, and end-of-life expenses |
| 5% discount for multiple pets | |
| Quick average claim processing of 2 days (sometimes within minutes) | |
| 2 affordable wellness plan add-ons available | |
| 30-day waiting periods for hip dysplasia and IVDD |
In-Depth Review Of Lemonade
Discover more about Lemonade’s coverage, add-ons, customization options, waiting periods, and more in my comprehensive review of Lemonade.
Best For Vet Direct Pay: Trupanion
- Policy Options: Accident & Illness
- Lifetime Per-Condition Deductible Options: $0 – $1,000 (in $5 increments)
- Annual Payout Options: Unlimited
- Reimbursement Options: 50%, 60%, 70%, 80%, 90%, 100%
Why I Picked Trupanion
Trupanion’s Vet Direct Pay software distinguishes it from other pet insurance companies. With this feature, you don’t have to wait for reimbursement; Trupanion pays its share of the vet bill right at the checkout. This is especially advantageous for breeds like Corgis, which often face costly health challenges, including IVDD, heart and liver issues, cancer, bladder stones, and inherited eye disorders, to name a few.
Expert Price Analysis
When I compare Trupanion’s Corgi premium quotes to those of other companies, I find that Trupanion’s prices are consistently on the higher side. In many instances, Trupanion’s premiums were two to three times more expensive than its competitors.
| Pros | Cons |
|---|---|
| No maximum annual or lifetime payouts | Consistently the most expensive premiums for Corgis |
| May be able to pay your vet directly to avoid waiting for reimbursement | Doesn’t offer any coverage for veterinary exam fees |
| Curable pre-existing conditions are covered after a year without any symptoms | 30-day waiting period for illnesses is much longer than average |
| Quick average claim processing of 2 days | |
| Waiting periods for hip dysplasia coverage and IVDD (30 days) are shorter than many insurers |
In-Depth Review Of Trupanion
Read my thorough review of Trupanion for more details on this insurer, including coverage specifics, customization options, waiting periods, direct payments to veterinarians, and other information.
What Type Of Pet Insurance Plan Is Best For Corgis?
Two primary types of pet insurance policies are available: one that covers just accidents and another that includes accidents and illnesses. Furthermore, many insurers provide optional wellness plans. These wellness plans aim to help you save on preventive care, keeping your Corgi in top shape, but they differ from standard pet insurance.
| Accident-Only | Accident & Illness | Wellness | |
|---|---|---|---|
| Injuries (foreign object ingestion, broken bones, wounds, eye trauma, etc.) |  | | |
| Diseases (IVDD, hip dysplasia, eye disorders, congenital heart problems, kidney disease, epilepsy, etc.) | | ||
| Preventative (annual vaccinations, exams, professional dental cleaning, etc.) | |
What Are Accident-Only Pet Insurance Plans?
Accident-only pet insurance plans are designed to assist with emergency medical treatment expenses for specific incidents or injuries, such as swallowing foreign objects, broken bones, sprains, and wounds. These practical plans offer a budget-friendly, convenient solution for pet owners, allowing them to save money and ensure their furry friends receive necessary urgent care.
Owners of Corgis who have multiple pre-existing health concerns that wouldn’t be covered in an accident and illness policy might consider these plans as a better choice. It’s essential to remember that accident-only policies don’t cover illnesses or genetic conditions. Additionally, many insurance providers do not offer accident-only plans.
Pricing Tip: Accident-only insurance plans usually have lower premiums than those that cover both accidents and illnesses because they offer less coverage.
What Are Accident & Illness Pet Insurance Plans?
Accident and illness plans offer comprehensive protection for unexpected injuries and a range of health issues, such as cancer, eye problems, IVDD, heart defects, liver and kidney diseases, degenerative myelopathy, and other common ailments found in Corgis. With this coverage, you’ll be financially prepared for almost any health challenge that may arise.
What Are Wellness Plans?
Adding a wellness plan to your pet insurance is a fantastic way to prioritize your pet’s health. These plans help cover some expenses related to routine preventive care, such as yearly check-ups, immunizations, dental cleanings, parasite prevention, and more. Investing in a wellness plan sets your furry friend up for a healthier and happier life.
Wellness plans differ from pet insurance as they do not cover medical expenses related to illnesses or accidents.
What Does Pet Insurance Cover & Exclude?
Accident and illness insurance plans from various providers usually cover these listed conditions when medically necessary. However, it’s crucial to thoroughly examine your policy, as different insurers may impose specific restrictions in certain cases.
| 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
I encourage you to read my detailed guide that outlines what pet insurance includes and what it doesn’t, so you can be aware of the limitations to consider when choosing a policy.
What Determines The Cost Of Pet Insurance For Corgis?
It’s important to recognize the various factors that affect the cost of pet insurance, including your Corgi’s age, your area of residence, and more. Another element that affects pricing is each provider’s underwriting policies. To gain a clearer insight into how insurers determine premium rates, take a look at this brief overview.
- Remember that your pet’s age affects how much pet insurance costs. Because they often have fewer health issues than their older counterparts, younger dogs typically have lower premiums.
- Rates for premiums are heavily influenced by the cost of living in your area. Price fluctuations in different areas of the country impact you and veterinarians. Consequently, your veterinary bills and pet insurance premiums will be more expensive if you reside in an area with a high cost of living.
- A dog’s breed can significantly influence the cost of pet insurance. Certain breeds are more prone to health issues than others. And purebred dogs, unfortunately, often suffer from more medical problems than mixed breeds.
- Insurance rates for male Corgis may be higher compared to females. This is primarily because males are typically larger, necessitating bigger medical equipment, additional supplies, and larger medication doses. However, not every insurance provider uses this factor for pricing.
Even though you have no control over the above factors that affect premium costs, you still have the option to select a pet insurance plan with a range of customization options to suit your needs and budget.
Customization Options Affect Cost & Benefits
You might be surprised to learn that you have the power to control your pet insurance expenses. Numerous pet insurance companies provide a range of plans and customizations that you can tailor to fit your financial needs. To start, decide if you want coverage for both illnesses and accidents or just for accidents alone. Additionally, you can adjust your deductible, reimbursement percentage, and annual payout limit. Understanding how each of these adjustments impacts your overall coverage and benefits is essential.
What Is A Maximum Payout?
The maximum payouts offered by pet insurance can be either annual or lifetime. All providers mentioned in this article have annual limits, the most common being $5,000, $10,000, and unlimited. An annual payout reflects the total money you can receive from your insurance provider throughout the policy year. On the other hand, lifetime coverage indicates the maximum amount an insurer will pay for your pet’s benefits over their insured lifetime. Generally, pet owners tend to favor insurance plans with annual payouts.
Pricing Tip – Although selecting a larger payout will result in a higher monthly premium, it can help lower your out-of-pocket costs for your dog’s expensive veterinary care at the time of treatment.
What Is A Deductible?
The deductible is an important aspect of pet insurance that allows you to decide how much of your veterinary costs you’re willing to cover yourself before your insurance kicks in. Annual deductibles usually fall between $100 and $1,000, giving you various choices to match your financial situation and preferences. However, Trupanion has a lifetime per-condition deductible rather than annual. What’s the difference?
- Annual deductible: You only need to pay this type of deductible once a year, regardless of how many health challenges your pet may face or the treatments they require. This consistency helps you easily plan your budget for your pet’s healthcare expenses.
- Lifetime per-condition deductible: You must pay a per-condition deductible every time your pet has a new medical emergency or disease. This can quickly add up if your furry friend experiences multiple health concerns in a single year. However, for ongoing chronic problems like intervertebral disc disease, arthritis, hip dysplasia, hypothyroidism, and epilepsy, a per-condition deductible can be beneficial since you only pay it once for that specific condition throughout your pet’s insured lifetime.
Pricing Tip– Your monthly premium will increase if you choose a lower deductible, but your out-of-pocket costs for treatment will decrease.
What’s The Reimbursement Percentage?
Your reimbursement rate is the portion of your veterinary bills your insurance company will pay after you’ve paid your deductible. For example, if you choose a $100 deductible and a 90% reimbursement rate, the provider will pay the remaining 10% of your vet bills after you pay the first $100. Reimbursement rates of 70%, 80%, or 90% are typical.
Pricing Tip – Selecting a lower reimbursement rate can result in a cheaper monthly premium, but it increases your out-of-pocket expenses for your dog’s medical expenses.
Learn More About Pet Insurance Costs
Read my in-depth article on pet insurance costs to help with any questions you may have, as premium pricing and customizations can be confusing.
How Much Is Pet Insurance For A Corgi?
To ensure you receive the most precise estimate for the cost of dog insurance, please fill out the form below with your zip code and your Corgi’s details. After that, we will provide you with tailored pet insurance quotes from several leading companies. Additionally, I’ve compiled sample quotes for Pembroke Welsh Corgi pet insurance to give you an idea of average premium amounts.
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 gathered pet insurance quotes for Pembroke Welsh Corgis across various ages and locations to give you a broad understanding of premium costs. To make the comparison as useful as possible, I examined prices from different insurers using similar payout, deductible, and reimbursement rates.
Note: In many cases, Cardigan Welsh Corgis had rates identical to Pembrokes. The exceptions include Pets Best, Lemonade, and Trupanion. With these providers, Cardigans were generally slightly less expensive than Pembrokes.
| Company | 6mo old male 95818 (Sacramento, CA) | 1yr old female 14211 (Buffalo, NY) | 2yr old male 33604 (Tampa, FL) | 5yr old female 79404 (Lubbock, TX) | 8yr old male 07108 (Newark, NJ) |
|---|---|---|---|---|---|
| $46.09 | $30.31 | $30.25 | $39.32 | $114.33 |
| $48.92 | $42.65 | $51.99 | $52.63 | $144.43 |
| $42.99*§ | $33.70*§ | $44.44§ | $45.03*§ | $71.37†§ |
| $43.98 | $41.13 | $32.87 | $43.27 | $118.14 |
| $43.92 | $52.03 | $33.30 | $41.91 | $81.96 |
| $31.59 | $29.55 | $23.37 | $30.49 | $65.47 |
| $86.46§ | $83.70§ | $232.86‡§ | $120.92§ | $258.71§ |
*70% reimbursement; †50% reimbursement and $1,000 deductible (no other options); ‡$0 deductible; §Unlimited annual payouts
Corgi Insurance Cost: Lowest & Highest Amounts
To give you another point of comparison, I also gathered quotes for each insurer’s lowest and highest monthly premium range. These rates factor in the deductible, annual payout, reimbursement, and add-on options (wellness plans excluded). In order to further demonstrate how a dog’s age at enrollment affects insurance costs, I’ve included quotes for two different ages.
| 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 79404 (Lubbock, TX) | 5yr old 79404 (Lubbock, TX) | 2mo old 07108 (Newark, NJ) | 5yr old 07108 (Newark, NJ) |
|---|---|---|---|---|---|---|---|---|---|---|
| $21-$128 | $28-$173 | $14-$86 | $18-$116 | $16-$100 | $19-$123 | $14-$81 | $18-$100 | $20-$117 | $25-$144 |
| $33-$82 | $60-$156 | $30-$65 | $53-$118 | $34-$77 | $61-$141 | $22-$45 | $37-$80 | $33-$73 | $58-$131 |
| $29-$73 | $42-$83 | $29-$60 | Uninsurable | $27-$65 | $44-$113 | $26-$66 | $38-$60 | $29-$60 | $43-$67 |
| $19-$114 | $25-$149 | $17-$129 | $22-$167 | $14-$102 | $20-$148 | $12-$90 | $17-$130 | $22-$141 | $28-$183 |
| $22-$130 | Uninsurable | $26-$-$159 | $26-$163 | $18-$86 | $24-$112 | $18-$85 | $24-$111 | $24-$115 | $32-$150 |
| $19-$125 | $23-$161 | $20-$111 | $23-$126 | $15-$104 | $20-$140 | $24-$102 | $36-$106 | $21-$110 | $24-$126 |
| $52-$215 | $105-$462 | $45-$183 | $76-$326 | $96-$178 | $206-$381 | $38-$152 | $73-$313 | $51-$213 | $102-$449 |
What Are Waiting Periods For Corgi Pet Insurance?
The time it takes from when you sign up for a pet insurance policy to when your coverage actually begins can differ from one company to another. Generally, waiting periods for accidents can be anywhere from 0 to 15 days, while illnesses usually have a waiting period of about 14 days. Additionally, some insurers impose longer waiting periods specifically for orthopedic issues, such as hip dysplasia, which is common in Corgis.
*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
Check out my detailed article on pet insurance waiting periods to learn more about them and the reasons why providers implement them.
How Does Pet Insurance For Corgis Work?
Once the waiting periods outlined in your policy have lapsed, using your pet insurance is easy.
- Start by paying your vet bill after your pet’s appointment is complete.
- Then, send an itemized receipt along with a claim form to your insurance company. Remember, some insurers might require your vet’s signature on the claim form, so it’s wise to bring a copy with you to the appointment.
- After your claim gets the green light from the insurance provider, you’ll receive your reimbursement* through your chosen payment method, whether that’s direct deposit, a check, or another option.
* The processing time for receiving your reimbursement can vary depending on the company’s stated timeline and the complexity of your claim. Wait times range from a few minutes to several weeks.
14 Common Health Issues In Corgis
Corgis generally enjoy a long life, averaging between 12 to 13 years, while Cardigans may live even longer than Pembrokes, reaching up to 15 years. However, like many purebred breeds, Corgis can be prone to certain health concerns due to their genetic background. Understanding these possible health issues and their related expenses can help you decide if pet insurance is a good option for your furry friend.
- Intervertebral Disc Disease (IVDD) happens when the discs located between a dog’s vertebrae shift into the spinal canal. To diagnose and treat IVDD, vets may recommend X-rays, CT scans, MRIs, medications, surgery, regular check-ups, alternative therapies, and possibly even hospital stays. The costs for veterinary care can range from $3,000 to $8,000.
- Corgis frequently experience hip dysplasia, a painful ailment where the femur doesn’t align properly with the hip socket. To resolve this problem, surgery is often required, and the costs can range from $1,700 to $4,500 for each hip.
- Arthritis is another common issue in Corgis. Dealing with this chronic joint condition can be costly, with expenses for medication and physical therapy typically falling between $100 and $500 or even higher per month. In more severe cases, surgery may be necessary, which can lead to expenses in the thousands.
- Lymphoma is a type of cancer that affects the lymph nodes and lymphatic system, a network of lymph vessels, tissues, and organs throughout the body. The cost of treating lymphoma in dogs can range from $3,700 to over $10,000, depending on the required treatment.
- Corgis are especially prone to a variety of genetic eye problems, including cataracts, distichiasis, and progressive retinal atrophy (PRA). The cost for cataract surgery typically ranges from $2,600 to $3,800, while surgery for distichiasis usually falls between $1,500 and $2,000. Sadly, there is currently no cure for PRA.
- Patent ductus arteriosus (PDA) is a congenital heart vessel defect that causes fluid build-up and strain on the heart in young Corgis. Diagnosis and treatment to surgically close the vessel cost anywhere from $2,500 to $5,000 or more.
- Another congenital condition affecting Corgis, a portosystemic shunt (liver shunt) involves an abnormal blood vessel that prevents the liver from removing toxins by completely bypassing it. In many cases, surgery is required to immediately treat the disease. The cost of surgery to clamp a single and straightforward shunt (there can be multiple and more complicated shunts) can cost between $2,000 and $3,000. Depending on how complex your Corgi’s condition is, surgery can cost well above $10,000.
- Glomerulonephritis is an inherited disease in Corgis that slowly damages the kidneys, causing them to fail, often at an early age. When caught early, treatment with medications, a special diet, and fluid therapy can prolong life for several years. In total, costs can range from $1,000 to $5,000 or more.
- Corgis are prone to kidney and bladder stones that form due to mineral level build-up. Depending on the number and size, the stones can be removed surgically or non-surgically, but the estimated cost can be up to $3,000.
- Epilepsy is a hereditary condition that leads to frequent seizures. For simple cases, medication can cost $200-$500. However, many epileptic dogs require more expensive drug choices, which range from $500 to $5,000 a year.
- Degenerative myelopathy (DM) is a progressive neurological disorder that causes weakness and eventual loss of function in the hind legs. While there is no cure, engaging in regular physical therapy and using supplements, which can cost $500 or more monthly, may assist in slowing its progression.
- Exercise-induced collapse (EIC) is a genetic neuromuscular condition that leads to weakness in dogs, causing their hind legs to give way after about 5 to 10 minutes of intense activity. The expenses for diagnosing and treating EIC typically fall between $500 and $1,000.
- Hypothyroidism is a lifelong disease that occurs when the body fails to produce sufficient thyroid hormones. This condition necessitates ongoing medication and regular check-ups. The monthly cost for medication ranges from $20 to $50, initial testing can be between $50 and $150, and annual retesting typically costs between $50 and $100.
- Von Willebrand’s disease is a condition that affects blood clotting in dogs, caused by insufficient levels of von Willebrand factor (vWF). This deficiency can lead to excessive bleeding. Treatment options may involve blood transfusions, surgical procedures (costing between $800 and $1,500), or the use of a synthetic hormone to temporarily increase vWF levels.
Is Pet Insurance Worth It For Corgis?
These statistics demonstrate the risk Corgis face for certain health conditions. According to the Orthopedic Foundation of America (OFA) testing statistics, over 21% of Pembroke Welsh Corgis had hip dysplasia, and 53% tested positive for degenerative myelopathy. Also, in an OFA survey of Corgi owners and breeders, 35% of respondents said their Corgi had significant health problems. The most prevalent issues were cancer (18%), orthopedic problems (17%), neurological and/or muscular disorders (15%), and kidney/urinary/bladder problems (13%).
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 breeders who have opted to share their Pembroke Welsh Corgi’s DNA results. Their current results indicate that 68.4% tested at risk for IVDD and 26% tested at risk for degenerative myelopathy.
Securing pet insurance is essential because many typical health problems in Corgis can result in hefty veterinary bills. Insurance helps reduce the financial burden on pet owners. It’s important to act quickly and insure your dog before any hereditary issues or medical emergencies occur. Remember that many pre-existing conditions aren’t covered, so it’s best to enroll your dog as soon as possible.
Determine If Your Corgi Needs Insurance
If you’re unsure about getting pet insurance, I can help. My detailed guide explores whether investing in pet insurance is the right choice for you.
5 Steps To Find The Best Pet Insurance For Corgis
These are the most important things to consider when choosing the ideal insurance policy for your Corgi.
- Look into the reputation of various insurance companies. Generally, when it comes to pet insurance, well-established providers tend to be more reliable than their newer counterparts.
- Consider every possible health issue that Corgis may develop, and carefully read the policy’s specifics to see how these conditions are covered.
- Decide whether you want a policy that only covers accidents or one that includes both accidents and illnesses.
- Learn about the typical claim processing times as well as the ways that various providers handle the reimbursement process.
- To properly compare the costs, get quotes from three or more insurance providers.
Methodology
To determine the best pet insurance for Corgis, 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 was crucial to 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.
