Best Pet Insurance for Cocker Spaniels

A cocker spaniel is a gentle, lively, and affectionate companion and the perfect addition to a family with children. Show your cocker you love her back with a pet insurance policy that will cover her if an accident happens.

We’ve put together a list of the top pet insurance providers for cocker spaniels using market analysis and expert research to get you started.

Why Is Pet Insurance Important?

No one should have to decide between a costly veterinary procedure and their cocker spaniel’s life. But three out of four people don’t have the funds set aside for four-figure vet bills, which is why the number of insured pets has been rising.

Pet insurance providers work the same way as human health insurance companies. When your cocker has an accident, the fees can be more than you’re prepared for. Your pet insurance provider will pay the bill after you’ve met your deductible. Some providers pay at the time of service, though most work on a reimbursement basis.

Health Risks for Cocker Spaniels

Cocker spaniels spent a long time being America’s most popular dog breed. So popular, in fact, that they were once overbred, resulting in some health and personality issues.

Like all purebred dogs, both American and English Cocker Spaniels are at a higher risk of developing genetic diseases and health conditions. While this doesn’t mean that your cocker is guaranteed to develop one of these conditions as she ages, it means that her risk is higher than other dogs'.

Here are some common health issues seen in cocker spaniels:

• Progressive retinal atrophy (PRA)
• Cataracts
• Glaucoma
• Patellar luxation
• Dilated cardiomyopathy (DCM)
• Patent ductus arteriosis (PDA)
• Epilepsy
• Hyperthyroidism
• Skin conditions
• Dental disease

Types of Pet Insurance Coverage for Cocker Spaniels

You can customize most pet insurance policies to meet the needs of your cocker spaniel and the constraints of your budget. Ranging from just the basics to full coverage, there are three common types of pet insurance.

Accident-Only

If your cocker is a pampered indoor dog, you may be able to get away with this minimal type of coverage. An accident-only plan covers unexpected vet visits for accidents and injuries like bites, broken bones, lacerations, or ingestion of foreign substances. However, accident-only will not cover infections or hereditary conditions, which are more common in cocker spaniels.

Accident & Illness

Sometimes called a comprehensive plan, this is the type most cocker spaniel parents choose because it covers everything from injuries to ear infections. If your cocker gets sick, an accident & illness plan covers surgeries, medications, diagnostic testing, and exam fees. Though it costs a little more, it’s the most beneficial choice for purebreds like cocker spaniels.

Wellness Package

While most standard pet insurance plans won’t cover routine care, you can add a wellness package to your plan for a low monthly cost. With this add-on, your insurance provider pays for up to 100% of wellness care like annual check-ups, vaccinations, preventative medications, and dental care. Many cocker spaniel owners find that this add-on saves money in the long run.

Our Top Picks for Cocker Spaniel Pet Insurance

We’ve sniffed out the best pet insurance for your cocker spaniel based on relevance, selection, affordability, and customer satisfaction.

Embrace

• No limit on genetic and hereditary conditions
• Diminishing deductible for healthy pets
• Will cover curable pre-existing conditions
• Flexible routine care plan

ASPCA

• Rated the best for hereditary and congenital conditions
• Covers treatment for behavioral issues
• Will cover the re-emergence of pre-existing conditions
• Preventative care add-on available

Fetch

• The most comprehensive pet insurance provider
• 15%-30% healthy pet credit for every year without a claim
• Offers dental, preventative, and holistic coverage
• Virtual vet visits covered up to $1000

Pumpkin

• No age or breed restrictions
• Preventive care plan covers 100% of eligible wellness costs
• Hereditary conditions are covered at no extra cost
• 90% reimbursement rate with all plans

Ways To Keep Your Premium Low

The monthly cost to insure a cocker spaniel is around $30 to $50 for a plan with decent coverage. However, if you’re on a budget, here are some ways that you can ensure the lowest possible premium.

Start Young

Since young dogs are cheaper to insure, opt for a pup if you’re bringing a new cocker spaniel into your life. This, of course, is easier said than done if you’re already in love with your senior cocker, but there’s no time like the present to get coverage started.

Adjust Your Policy as Necessary

Your budget is just as important as your dog’s breed. Adjust your pet insurance policy to get a monthly premium you can afford to pay. Aside from accident-only coverage, you can choose a high deductible, low annual cap, and low reimbursement percentage to get the lowest monthly payment. Remember, however, that if you do this, you will be paying more out of pocket in the case of an accident.

Care Properly For Your Cocker Spaniel

Proper care of your cocker spaniel can prevent her from developing dental and skin issues that require veterinary attention. Brush her coat twice a week, brush her teeth three times a week, and clean her ears once a week. Feed her a high-quality, age-appropriate diet and exercise her regularly.

Get Annual Checkups

A healthy dog is cheaper to insure. A veterinarian may be able to spot possible health conditions before they become a problem, so keep up with your cocker spaniel’s yearly wellness visits. Ask your vet for a DNA test if you think your dog is at risk of hereditary conditions.

Final Thoughts

Cocker spaniels are the cheapest breed to insure on an accident-only policy. But if you want to give yourself the best financial safety net in case a breed-related health issue pops up in the future, a comprehensive plan may be better. Either way, you’ll be able to breathe easier knowing your lovable cocker is protected.

Choose from one of our top-rated picks above, or browse through our list of the best pet insurance companies to find the plan that’s right for you.