Dr. Roy Kraemer, is the founder of Vet4Bulldog.com and Vet4HealthyPet Advanced Medical Care. Dr. Kraemer is a Tufts Veterinary School 1991 Graduate (Boston, MA). He is a member of the AVMA (American Veterinary Medical Association) and the SCVMA (Southern California Veterinary Medical Association) and has been practicing veterinary medicine and surgery in Orange County, California for over 20 years...

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Written by Dr. R.J.Kraemer
Veterinarian Dr. R.J.Kraemer

Dr Pippa Elliott BVMS, MRCVS is a veterinarian with over 30 years experience in companion animal practice. In 1987 she graduated from the University of Glasgow, with a degree in veterinary medicine and surgery. A love of the sea meant accepting her first job in the port town of Portsmouth, England. A fter working in private practice for two years, her next position was as a vet at the People’...

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Reviewed by Dr. Pippa Elliott BVMS, MRCVS
Veterinarian Dr. Pippa Elliott BVMS, MRCVS

UPDATED: Sep 23, 2021

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Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.

And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.

We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.

If you just brought a puppy home or already have a dog, you know how much fun they can be and how much trouble they can get into!

It’s very common for a dog to injure his paw or swallow something toxic because dogs like to put anything and everything in their mouths. Especially puppies.

And when your dog gets injured or sick, pet insurance can save you a lot of money in the long run.

But is pet insurance worth the cost?

dog breeds

If your dog is a purebred or even a mix of breeds, he or she is more likely to have an inherent hereditary or congenital condition that is prevalent to that breed.

For example, Labradors tend to have hip and cruciate ligament issues that can become costly to treat.

All it takes is one hip surgery or elbow replacement issue that can cost thousands of dollars to cure.  And that’s if your dog has no other sickness or injury!

Related: 10 Things You Must Know Before You Buy Pet Insurance

If you are enrolled in pet insurance, you will be really relieved when any condition or illness can be covered up to 90%.

This is why it’s always a good idea to enroll your dog in a pet insurance policy when he or she is just a puppy.  Not only are the rates less at this time, but your dog won’t be covered for any issue that might occur before you have started a new policy.

No insurance provider will cover what is called a pre-existing condition or any condition that exists in your dog when you purchase insurance.

This is precisely why if you have a dog that is a breed that is prone to hereditary or congenital conditions, pet insurance can really be a great money-saver and a no-brainer decision.  You should enroll!

To help you understand what kind of conditions are inherent in the different dog breeds we have created a list just for you!

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FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

List of Dog Breeds

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.


After looking at your dog breed, you can see why pet insurance can be really important to have.

However, make sure the company you decide to enroll in includes coverage for hereditary and congenital issues.

Learn More: Why I Wish I Bought Pet Insurance When I First Got My Dog

Not all pet insurance companies do offer coverage for these kinds of conditions, but the best pet insurance companies will have these covered under the basic policies.

For example, both Healthy Paws and Embrace include hereditary and congenital conditions in their coverage.

If you want to take a quick look at some to the top companies that provide coverage for breed-specific conditions, our comparison chart can help.

If you’re looking for insurance for your expensive dog breed, don’t worry. We have you covered.

Maybe you’re looking for insurance for your small family dog. We’ve got you there too.

Do you suffer from pet allergies? We have compiled a list of hypoallergenic dogs that may help you decide which breed best fits your family.

Always get a quote from at least a few providers, have a list of questions about your dog and what you expect out of your policy and see which pet insurance works the best for you.

All it takes is one unexpected illness or even worse, a life-long condition, and you will be so relieved to have enrolled in a pet insurance policy.  Isn’t your beloved dog worth it?!


Other articles you may find helpful: 

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds


How do you choose a dog breed? There are so many awesome options! We have compiled a complete database about all the dog breeds, their mannerisms, care, and who they do best with. Statistically, some purebreds experience more health issues than mixed breeds. There are many pet insurance companies out there and we have put together a great article about the best puppy and dog pet insurance companies in the US


Best Small Dog Breeds for Kids and Families

Most Expensive Dog Breeds

Top 5 Dog Breeds That Serve as Team Mascots