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Best Pet Insurance for Westies – Top 10 in 2023

If you’re shopping for the best pet insurance for your West Highland White Terrier (Westie), we’re here to help. Not only is small dog pet insurance a must-have for breeds like the Westie, but it can also provide financial protection and peace of mind in case of unexpected accidents or illnesses.

Research shows that pet parents who have pet insurance are more inclined to prioritize their pets’ health and follow their veterinarians’ recommendations. This includes bringing their pets in for regular shots, checkups, and emergency treatments. Having pet insurance provides pet parents with financial security, allowing them to seek necessary veterinary care without hesitation or concern about the costs involved.

That’s why we’ve done the research and compiled a list of the top pet insurance companies that offer coverage specifically tailored for West Highland White Terriers. In this buying guide, we’ll discuss the key factors to consider when selecting pet insurance and highlight the best options available in 2023 for your Westie.

Best Pet Insurance For West Highland Terriers

We also looked into pet insurance that covered holistic/ alternative therapies, which play an important role in pet health care and dental coverage, and pet insurance companies that accepted senior 14-year-old dogs. Best of all, we found genetic conditions coverage for you from Healthy Paws, which is included in all their plans with no payout caps on any plans.

Whether you’re looking for comprehensive coverage, affordable premiums, or quick claim processing, we’ve got you covered. Let’s dive in and find the best pet insurance plan for your Westie in 2023!

Here are our Top 10 for 2023:

  1. Pets Best – Best Overall
  2. Lemonade – Best Value
  3. Nationwide – Best plan for multi-pet households with exotic pets
  4. Healthy Paws – Best for Unlimited Annual Coverage & Genetic Conditions Coverage
  5. Embrace Pet Insurance – Best for Breed-Specific, Congenital, and Chronic Conditions
  6. Pumpkin
  7. Figo
  8. Trupanion
  9. Spot
  10. Pet Assure – Best Pet Insurance Discount Plan

Later on, we’ll go into more detail about each company’s plans. But, in the meantime, here’s what you need to know about pet insurance so you can make the best choice for you and your family’s pets.

What Pet Insurance Covers

Pet insurance covers various expenses related to your pet’s health and well-being. While specific coverage can vary depending on the insurance provider and policy, pet insurance covers accidents, illnesses, and sometimes routine wellness care.

Accident Coverage

Pet insurance typically covers treatment costs for unexpected injuries resulting from accidents. This may include veterinary care for broken bones, lacerations, poisonings, or other accidental injuries. The insurance policy helps alleviate the financial burden of emergency veterinary visits and necessary treatments.

Illness Coverage

Pet insurance also covers medical expenses for illnesses that your Westie may develop. This can include coverage for diagnostic tests, medications, surgeries, hospitalizations, and other treatments needed to address diseases such as infections, digestive issues, cancer, or chronic conditions. Reviewing each policy to understand specific coverage limits and exclusions for pre-existing conditions is important.

Wellness Coverage (Optional)

Many pet insurance providers offer optional wellness plans or add-ons that cover routine preventive care. These plans may include coverage for annual exams, vaccinations, flea and tick prevention, heartworm medication, dental cleanings, and other routine procedures. It is worth noting that wellness coverage is usually an additional cost and not included in the base policy.

Westie at the vet

Exclusions and Limitations

It’s key to carefully review the terms and conditions of a pet insurance policy, as there are often exclusions and limitations. Pre-existing conditions are typically not covered, and certain hereditary or congenital conditions may also be excluded. Some policies may have waiting periods before coverage kicks in, and there may be restrictions on coverage for certain breeds or age groups.

Claim Process and Reimbursement

When seeking veterinary care for your Westie, you typically pay the veterinarian directly and then file a claim with your pet insurance provider. The reimbursement process varies by provider but generally involves submitting the necessary documents, such as invoices and medical records, to the insurance company.

Once the claim is approved, you will receive reimbursement for covered expenses minus any deductibles or co-pays outlined in your policy. Pet insurance provides coverage for a range of medical expenses related to accidents, illnesses, and sometimes routine wellness care. It helps pet parents manage unexpected veterinary costs and ensures that pets can receive medical care without financial strain.

Remember to review policy terms, coverage limits, and exclusions before selecting a pet insurance provider to find the best coverage for your Westie’s specific needs. Pet insurance is a valuable investment that can provide financial assistance for veterinary expenses related to your pet’s health and well-being. Understanding how pet insurance works is essential for pet parents who want to ensure their Westies’ health and well-being.

Reimbursement Model

Pet insurance operates on a reimbursement model. Pet parents pay the insurance provider a monthly or annual premium in exchange for coverage. When your Westie requires medical treatment, you pay the veterinarian directly at the time of service. Afterwards, you submit a claim to the insurance company for reimbursement. The amount you receive will depend on the coverage details outlined in your policy.

The reimbursement process typically involves submitting the necessary documents, such as invoices, medical records, and receipts, to the insurance provider. Keeping detailed records of all veterinary expenses is important to ensure a smooth claims process.

Review your policy to understand any deductible amounts or co-pays you may be responsible for. Deductibles are the amount you must pay out of pocket before the insurance coverage kicks in.

Different pet insurance plans offer varying levels of coverage. Most policies cover accidents and illnesses, including diagnostic tests, surgeries, medications, hospital stays, and specialist consultations.

Some plans also include coverage for hereditary and chronic conditions. Additionally, some insurance providers offer optional wellness plans or add-ons that cover routine preventive care, such as vaccinations, annual exams, and dental cleanings.

It is crucial to carefully review the terms and conditions of each pet insurance policy. Exclusions and limitations may apply. Pre-existing conditions, which are health issues your Westie had before enrolling in the insurance plan, are typically not covered. Some policies may have waiting periods before specific treatments are covered, so it’s important to understand them.

In summary, pet insurance works by providing coverage for eligible veterinary expenses after pet parents pay for the services upfront. Reimbursement is typically based on the coverage limits and deductibles outlined in the policy. With pet insurance, you can have peace of mind knowing that you can provide necessary medical care for your beloved pet without worrying about the financial burden.

West Highland White Terrier

The West Highland White Terrier has captured the hearts of many dog lovers with their irresistible charm and spirited personality. According to the American Kennel Club (AKC), the Westie temperament is “alert, gay, courageous, and self-reliant, but friendly.” This breed embodies a unique blend of bravery, independence, and sociability that makes them truly special.

With their bright white coats and shiny dark shoe-button eyes, Westies’ distinct appearance adds to their appeal. They are diminutive but sturdy, exuding an air of confidence and resilience. Despite their small size, these terriers possess a courageous spirit that has earned them a reputation as true earthdogs.

“Smart, confident, and always entertaining at play, the adorable West Highland White Terrier (Westie, for short) has charmed owners for over 300 years,” explains the AKC.

Their adaptable and energetic disposition allows them to thrive in various environments, making them ideal companions for individuals and families alike.

Aside from their charming personality, Westies are also known for their intelligence. They are quick learners and possess a natural curiosity about the world around them. This combination of smarts and inquisitiveness can make training an enjoyable experience for both the dog and its pet parent. “This diminutive but sturdy earth dog is among the most popular of the small terriers,” says the AKC.

Westie dog training at home

Genetic Health Predispositions in Westies

Understanding the common genetic health predispositions in Westies is an important consideration for providing them with the best possible care via pet health insurance.

Additionally, Westies are susceptible to certain hereditary conditions, including patellar luxation (dislocation of the kneecap), Legg-Calve-Perthes disease (a hip joint disorder), and craniomandibular osteopathy (excessive bone growth in the jaw).

Responsible breeders should conduct health screenings to minimize the chances of passing these conditions to offspring. Some of these include:

  • Skin Allergies
  • Hip Dysplasia
  • Lung Disease
  • Patellar Luxation
  • Bladder Stones
  • Dry Eye (KSC)
  • Inflammatory Bowel Disease
  • White Shaker
  • Pulmonary Fibrosis
  • Addison’s Disease Lymphoma
  • Juvenile Cataracts
  • CMO (Craniomandibular osteopathy)

Additionally, any breed can fall ill due to cancer, parasites, allergies, infectious diseases, and endocrine problems. Yet every dog breed will have genetic health issues that it may be prone to. As a Westie parent, it’s up to you to research and follow up with veterinary care and pet veterinary health insurance if your Westie shows signs of illness.

It is important to understand that a combination of environmental factors and hereditary issues can potentially trigger various health conditions in animals, even well-bred Westies.

Genetic Disorders in Dogs

A 2016 study published in Science Daily from the University of Helsinki explains how canine hereditary disorders are more widespread than previously indicated. The researchers worked with 7,000 dogs and 230 breeds, testing predispositions to almost 100 genetic disorders.

The research team observed that 1 in 6 dogs carried at least one of the tested disease-predisposing genetic variants in their genome. The study also found that 1 in 6 of the tested genetic variants was also discovered in a dog breed in which it had not previously been reported in the scientific literature.

The researchers said that, like humans, every dog will likely have a genetic predisposition for some inherited disorder. They also emphasized the importance of complex DNA information, an improvement for the health of purebred dogs.

By recognizing these predispositions, pet parents can take proactive steps to prevent or manage these conditions, ensuring their Westies’ overall health and well-being.

Regular veterinary check-ups, a balanced diet and appropriate exercise can significantly reduce the impact of these genetic health concerns.

Importance of Coverage for Hereditary Conditions

Pet health insurance that covers even a few of the hereditary conditions that your Westie may be prone to is essential for providing comprehensive and long-term care for your pup. Hereditary conditions are genetic health issues that can be passed down from one generation to another.

These conditions, such as hip dysplasia, heart disease, lung disease, or certain types of cancer, can often require extensive veterinary treatments and ongoing management.

Having pet health insurance that includes coverage for hereditary conditions and even behavioral issues ensures that your Westie receives the necessary veterinary care or training without worrying about the financial burden.

With a good pet medical insurance plan, you’ll have peace of mind knowing that your Westie’s hereditary conditions are covered, allowing you to focus on their well-being and providing them with the best possible care.

Westie on couch with pet parent

Westie Health Conditions

When it comes to the genetic health predispositions of Westies, it’s essential to be aware of the conditions that they may be prone to. By understanding these predispositions, Westie’s parents can take proactive measures to ensure their dogs receive appropriate care and early intervention. Here are some common genetic health predispositions in Westies.

  • Urinary Bladder Stones: Westies may have a higher risk of developing urinary bladder stones, which can cause discomfort and urinary issues if not addressed promptly.
  • Epilepsy: Some Westies may have a genetic predisposition to epilepsy, a neurological disorder characterized by recurrent seizures. Close monitoring and appropriate medication can help manage this condition.
  • Heart Disease: Certain genetic factors can make Westies more prone to heart diseases such as mitral valve disease or dilated cardiomyopathy. Regular cardiac evaluations are crucial for early detection and management.
  • Skin Allergies: Westies may have a genetic predisposition to skin allergies, making them more susceptible to itching, rashes, and dermatitis. Identifying and avoiding triggers and appropriate medical intervention can help alleviate symptoms.
  • Liver Abnormalities: Although rare, some Westies may inherit genetic liver abnormalities, such as hepatoportal microvascular dysplasia. Proper diagnostic testing and monitoring are essential for their well-being.
  • Westie Lung Disease, or idiopathic pulmonary fibrosis (IPF): This respiratory condition affects West Highland White Terriers. It involves scarring and fibrosis in the lungs, leading to breathing difficulties. Genetic predisposition and environmental triggers are believed to play a role in developing West Lung Disease in Westies. Early detection and appropriate management are crucial for affected dogs.
  • Pyruvate Kinase Deficiency: Pyruvate Kinase Deficiency (PKD) is a hereditary disease that affects the red blood cells in Westies. It results in decreased energy production, leading to anemia and related symptoms such as weakness, fatigue, and pale gums. Regular veterinary check-ups and appropriate management strategies can help mitigate the impact of PKD on your Westie’s health.
  • Atopic Dermatitis: Westies are known for their beautiful white coats, but unfortunately, they can be more susceptible to skin allergies and dermatitis. Atopic dermatitis is a chronic condition characterized by itching, redness, and skin inflammation. Triggers can include environmental factors like pollen, dust mites, or certain food ingredients. Working closely with your veterinarian to identify and avoid triggers and appropriate treatments like medicated shampoos or allergy medications can help keep your Westie comfortable and minimize flare-ups.
  • Luxated Patella: Luxated patella, also known as a dislocated kneecap, is a common orthopedic condition in Westies. It occurs when the patella slips out of its normal position, causing discomfort, lameness, and difficulty in mobility. In mild cases, lifestyle modifications and physical therapy may be sufficient, while severe cases may require surgical intervention. Regular exercise and a healthy weight can help prevent or manage this condition.
  • Legg-Perthes Disease: Legg-Perthes Disease is a degenerative hip joint disorder primarily affecting small breeds like Westies. It occurs when the head of the femur (thigh bone) deteriorates due to inadequate blood supply, leading to pain, lameness, and muscle atrophy. Early detection through regular veterinary examinations and treatment options such as surgery or medical management can improve your Westie’s quality of life.
  • Deafness: Some Westies may be genetically predisposed to hearing loss. While not all Westies will experience deafness, knowing about this potential health issue is important. Signs of deafness may include not responding to auditory cues or difficulty in training. Special accommodations and training techniques, such as using hand signals instead of verbal commands, can help ensure effective communication with your Westie.
  • Eye Problems: Westies are susceptible to hereditary eye diseases, including cataracts and dry eye (keratoconjunctivitis sicca). Cataracts cause lens clouding, leading to vision impairment, while dry eye produces inadequate tears, causing discomfort and potential corneal damage. Regular eye examinations by a veterinary ophthalmologist are crucial for early detection and appropriate management of these conditions. Alongside proper nutrition, regular exercise, and mental stimulation, having pet insurance coverage that includes hereditary conditions can offer peace of mind and financial support when addressing these genetic health issues.
  • Hip Dysplasia: Westies can be susceptible to hip dysplasia, a condition where the hip socket doesn’t fully cover the ball portion of the femur, leading to joint instability and potential arthritis development.

Cost of Veterinary Care in 2023

The North American Pet Insurance Industry (NAPHIA) released its 2023 State of the Industry (SOI) Report that demonstrated the North American Pet Health insurance sector growing by 23.5% in In-Force GWP over 2022.

“We’re pleased that pet parents continue to recognize the value pet insurance provides, both in mitigating unexpected veterinary costs, as well as providing for their pet’s ongoing healthcare and well-being. It’s the product’s strong value proposition that is driving the significant advances the North American pet insurance industry has experienced over the past five years,” says Faucher via NAPHIA. There are a few NAPHIA 2022 pet insurance highlights, including the following:

  • The total amount of claims paid in 2022 was $1.910 billion.
  • The majority of insured pets are located in California (18.6%), New York (7.0%), and Florida (6.2%).
  • Among insured pets, 80.1% were dogs, while 19.9% were cats.
  • The average accident and illness premium for dogs was $640.04 per year or $53.34 per month.
  • A total of 4,849,540 pets were insured during the specified period.

1. Pets Best (Overall Best)

Pets Best Pet Insurance

After conducting over a hundred hours of extensive research on the best pet insurance companies, Pets Best emerged as one of the top choices. Pets Best provides a Wellness Rewards program with a 20% premium discount for routine care enrollment. This pet insurance company based in Seattle also covers alternative therapies and has a shorter waiting period for hip dysplasia coverage than competitors.

With Pets Best, you can customize your annual benefit limit and choose a 70%, 80%, or 90% reimbursement level. The company does not impose age limits on enrollment, making it suitable for pets of all ages. Pets Best’s policy is not only cost-effective but also provides comprehensive coverage.

Pets Best’s Elite Plan is an ideal choice for those with dogs suffering from hip dysplasia or degenerative joint disorders. It offers coverage for rehabilitative care, acupuncture, and alternative therapies, surpassing the Plus plan.

Pets Best is a great option for cost-conscious pet owners who prioritize their pets’ health. The company offers affordable plans with various features like prescription coverage and rehabilitative treatment, ensuring that your Westie receives the necessary care, even if you are unsure about their specific needs.


  • Coverage for wheelchairs and prosthetics
  • Wide range of deductible options ($50-$1000)
  • Affordable pricing
  • Coverage is available for pups seven weeks and older with no age limit
  • Multiple plan options to choose from
  • Mobile app for fast and convenient claims processing


  • Comprehensive Wellness plan add-on that covers dental cleanings and spay/neutering
  • Multiple discounts are offered to help save on premiums
  • Option for unlimited annual coverage
  • No upper age limit for enrollment, allowing coverage for senior pets
  • Works with all licensed veterinarians in the United States, Canada, and Puerto Rico
  • Good customer service with responsive and knowledgeable representatives
  • Features a vet locator tool on the website and a 24/7 Vet helpline for assistance


  • Parasite treatments not covered by the policy
  • Limited flexibility for policy adjustments until the renewal date
  • Coverage does not extend to end-of-life costs associated with pet care

Learn more at Pets Best website

2. Lemonade (Best Value)

Lemonade Pet Insurance for Westies

We like Lemonade pet insurance for Westie pet parents with two or more dogs because you get 5% off for a multi-pet household and a 10% discount if you bundle plans. You can also choose any licensed veterinarian.

US News ranks Lemonade as #4 for best pet insurance. Several policy add-ons are also available, with coverage limits ranging from $5,000 to $100,000. The downside is that there is no genetic conditions coverage and no plans that include alternative care.

The takeaway with Lemonade is its affordable prices, and you can also opt for the puppy package, which covers office visits, six vaccines, and microchipping. Lemonade plans start at $10 a month and is easily customizable.

We also like that you can enroll a senior dog up to 14 years old with a 30-day money-back guarantee. The downside is that there’s no dental coverage, and you must wait for six months for cruciate ligament surgery.

“Pet parents can choose from a variety of coverage amounts, wellness packages, and extended illness packages. You never pay for what you don’t need”, explains Lemonade. The policies are also straightforward to understand. Their claims are also AI-powered and paid out in minutes. Here’s the takeaway:


  • Multi-pet discount
  • Easy-to-use mobile app
  • Easy-to-understand customizable plans
  • Lowest plan $10
  • Maximum enrollment age 14 years
  • Preventative benefits for all life stages
  • Puppy Preventative package covers spaying or neutering. microchipping, flea meds & vaccines


  • Includes a special package for pups and kittens
  • Covers physical therapy
  • 2-day accident wait period
  • The lowest prices among the plans we analyzed
  • Accident coverage waiting period of only two days
  • Optional wellness plan available
  • 10 % bundle discount


  • Not available in all states
  • No coverage for alternative/holistic veterinary services
  • Vet exam fees need to be added on for an extra cost
  • No dental coverage

Learn more at Lemonade website

3. Nationwide (Best plan for multi-pet households with exotic pets)

Nationwide Pet Insurance for Westies

Nationwide is a top-notch pet insurance carrier for multi-pet households in the US. With a broad coverage plan starting at $35 a month, Nationwide offers one of the most comprehensive options available. Their pet’s major medical plan includes coverage for surgeries, hospitalization, chronic conditions, and certain hereditary conditions (waiting period applies). There’s also 24/7 Vet Helpline Access, and you can use your veterinarian.

One standout feature of Nationwide is its Pet Rx Express, which provides preferred pricing on pet prescriptions from Walmart and Sam’s Club. Another advantage is that Nationwide covers exotic animals and birds, such as ferrets and parrots. It’s important to note that the Major Medical Plan has caps per condition.

The Whole Pet with Wellness plan is excellent for Westie owners seeking the most comprehensive coverage. This plan features a $10,000 cap and covers a wide range of conditions and treatments, including hip dysplasia, blood disorders, eye disorders, chiropractic care, laser therapy, acupuncture, wellness exams, vaccinations, surgeries, chemotherapy, arthritis, allergies, skin conditions, flea and heartworm prevention.


  • Wide range of pet insurance policies to choose from
  • 24/7 Vet Helpline Access
  • No time limit to submit a claim
  • Multiple discounts offered
  • Affordable pricing
  • Cancellation period within 30 days of purchasing policy
  • Established financial company
  • Smartphone app for real-time claims submission


  • BBB Rating A+
  • 24/7 pet telehealth line
  • Pet Rx Express for affordable pet meds at Walmart or Sam’s Club
  • Includes Wellness plan
  • Covers vet exam fees
  • Routine Care Add-ons available
  • No time limit to submit a claim


  • 14-day waiting period for accidents and illness
  • 12-month waiting period for cruciate ligaments

Learn more at Nationwide website

4. Healthy Paws (Best for Unlimited Annual Coverage & Genetic Conditions Coverage)

Healthy Paws Pet Insurance For West Highland Terriers

With Healthy Paws, claims are usually processed within 2 days via mobile app, and there are no maximum annual or lifetime payouts. Healthy Paws is an excellent choice if you’re seeking pet insurance that includes coverage for routine care. They offer plans that cover 90% of routine vet expenses, such as check-ups, vaccinations, and preventive care.

With a high reimbursement percentage of up to 90% and no per-incident deductible, Healthy Paws ensures that you receive the financial support you need. Their coverage also extends to accidents, illnesses, cancer, emergency care, genetic and hereditary conditions, breed-specific conditions, and alternative care options.


  • No enrollment or admin fee
  • No costly add-ons
  • Use any licensed veterinarian
  • No per-incident annual or lifetime caps
  • Covers alternative therapies
  • Genetic conditions coverage in all plans
  • Reimbursement payment based on vet bill


  • Comprehensive coverage for cancer treatment, including CyberKnife™ Radiosurgery
  • Excellent accident and illness coverage
  • Unlimited lifetime benefits for added peace of mind
  • No claim caps, ensuring full coverage for eligible expenses
  • Good customer service to assist with any inquiries or concerns
  • Speedy claims processing via mobile app (2-day processing)
  • Includes annual deductible/ not per condition


  • There is a 15-day waiting period for accidents and illnesses to be covered
  • No exam coverage

Learn more at Healthy Paws website

5. Embrace Pet Insurance – Best for Breed-Specific, Congenital, and Chronic Conditions

Embrace Pet Insurance for West Highland Terriers

Embrace Pet Insurance is an excellent choice if you’re considering pet insurance for your Westie. They offer a low deductible starting at just $25, allowing you to claim most major medical expenses upfront without worrying about reimbursement later.

With comprehensive coverage for cats and dogs, Embrace provides reasonable annual limits of $5,000 annually. We like Embrace pet insurance for the West Highland White Terrier because it’s the best for pre-existing curable conditions and offers top-notch long-term coverage. Your Westie can also get dental cleanings and illnesses with coverage of up to $ 1,000 yearly.

One of the standout features of Embrace is its flexibility. All accident and illness plans can be personalized to fit your budget. You can adjust your annual deductible, annual maximum, and reimbursement percentage according to your needs.

Additionally, Embrace offers a unique benefit called the diminishing deductible. For every year you don’t receive a claim payment, they decrease your deductible by $50.
Embrace understands the importance of providing peace of mind to pet parents. Their affordable premiums ensure that your West Highland White Terrier is protected 24/7. They also offer additional support through Paw Support, which includes nutrition and exercise guidance.

Embrace Pet Insurance offers various discounts, including special discounts for military service members. They also provide flexible payment options, such as one-time payments or yearly plans.


  • Mobile App: Yes (Embrace App)
  • 24/7 Veterinary Paw Support
  • Cancellation Period: Within 30 days after purchasing policy
  • Routine Care Add-ons: Yes
  • Dental Illness covered up to $1,000 annually
  • Breed-specific conditions like hip dysplasia covered
  • Affordable


  • Coverage for holistic alternative therapies
  • Short waiting period of 2 days for accident coverage
  • Diminishing deductible plans
  • Fast claim processing with payout in one week
  • BBB Rating A+
  • Dental coverage
  • Annual coverage payment discounted at 5%


  • Plans have annual limits in place
  • There is a waiting period of six months for orthopedic coverage
  • Coverage for pre-existing cruciate ligament issues exclude both knees

Learn more at Embrace Pet Insurance website

6. Pumpkin

Pumpkin pet insurance for westies

Pumpkin pet insurance is another favorite of ours because it offers coverage for alternative therapies. From acupuncture to stem cell therapy and behavioral therapy, Pumpkin has you covered as long as these treatments are prescribed and performed by a veterinarian. And here’s the best part – there’s no upper age limit!

Unlike other insurance providers that exclude older pets or reduce reimbursement percentages, Pumpkin offers flat-rate coverage for all animals, regardless of age. This is a mobile-friendly pet insurance that also covers behavioral issues, hereditary, parasite treatments, prescription food, and supplements, as well as cancer treatments and alternative therapies.

Pumpkin offers a complete refund for eligible wellness visits and treatments, making it ideal for pups. Their preventative essentials plan covers annual exams, vaccinations, and annual fecal tests. Plus, they also offer specialized kitten wellness plans.

When it comes to reimbursements, Pumpkin stands out. They provide an unlimited reimbursement amount, with 90% paid back after you’ve met your deductible. Though Pumpkin doesn’t have a mobile app, their user-friendly website and excellent customer service make managing your pet’s insurance hassle-free.


  • Decades of experience
  • 90% coverage for veterinary bills
  • No payout limits
  • An impressive 98%-member retention rate
  • Broad coverage for a wide range of conditions and treatments
  • Convenient Vet Direct Pay feature


  • Behavioral issues covered
  • Cancer & alternative treatments covered
  • No maximum age limits
  • Available in all 50 states, including Washington, DC
  • Includes diagnostic testing, which can be costly
  • 180-day wait period for pre-existing conditions if cured (hip & knee)
  • Good Essential Preventive package add-on


  • No pre-existing conditions covered
  • Spaying & neutering not covered
  • Herbal supplements not covered
  • 14-day wait period for accidents and illnesses

Learn more at Pumpkin website

7. Figo

Figo pet insurance for West Highland Terriers

Figo pet insurance is another favorite for Westies. We like this pet insurance because NAPHIA sponsors it. When it comes to pet insurance, Figo stands out as one of the top providers, offering a range of features designed to keep your West Highland White Terrier happy and healthy. With their user-friendly app, you can easily connect with other pet parents, share adorable photos, and even organize play dates.

One of the key benefits of choosing Figo is their 24/7 live vet coverage for emergencies. You can rest assured knowing that help is just a call away whenever needed. Plus, Figo strives for fast claim processing, with most claims closed within three days, giving you peace of mind during unexpected situations.

With Figo, you have access to a range of health benefits. You can easily upload your pet’s medical records and receive personalized advice on their diet and exercise needs without hidden fees. Additionally, Figo offers a 30-day money-back guarantee, giving you the confidence to try their services risk-free.

When it comes to coverage, Figo offers flexible plans to suit your needs. Their Essential plan provides up to $5,000 in annual benefits, while their preferred option offers up to $10,000. Their Ultimate Plan provides unlimited benefits for comprehensive coverage, ensuring that your pets are protected no matter what unexpected expenses arise. It’s important to note that knee injury coverage has a six-month waiting period, and lower deductibles may not be available for older Westies.


  • Crafted with Pet Cloud app for easy management
  • Multiple communication channels: text, tweet, email, or call
  • Specifically crafted for urban pet parents
  • Extra care pack of up to $250 for cremation & burial
  • Member of NAPHIA (North American Pet Insurance Association)
  • No per-incident caps
  • Live vet support


  • Option to choose annual benefit, deductible, and reimbursement rate
  • Coverage for various treatments, including emergency care, hospitalization, diagnostic testing, congenital and hereditary conditions, chronic conditions, and cancer treatment
  • Pet Cloud App stores medical records and sends health reminders
  • Community features to help pet parents and pets
  • Coverage for lost pet advertising with reward
  • Boarding fees and pet theft coverage of up to $150


  • Additional cost for the Wellness plan
  • Vet exams come with an additional charge for covered illnesses and injuries.

Learn more at Figo website

8. Trupanion

Trupanion pet insurance for Westies

Trupanion offers comprehensive pet insurance coverage for the West Highland White Terrier, providing a range of benefits for Westie pet parents. One notable feature is their per-incident deductible system, which means that you will need to meet the deductible multiple times for each illness or injury incident.

We like this West Highland White Terrier pet insurance because you get unlimited payouts for life, and vet bills are paid within seconds. The downside with Trupanion is that it does not feature Wellness options, and none of its policies cover exam visits.

Trupanion Express is another standout feature, offering direct vet pay. This means you won’t have to pay your vet directly for services rendered. Trupanion’s policy transferability sets its policy apart, ensuring that the coverage continues seamlessly if your Westie goes to a new owner.

Trupanion also covers curable pre-existing conditions that no longer exhibit symptoms and all new injuries and illnesses that arise. With Trupanion, you can benefit from an unlimited lifetime payout, which is particularly advantageous for Westies with chronic conditions requiring ongoing yearly treatment, as you only need to pay the deductible once.

Additionally, Trupanion’s coverage extends to prosthetic devices and carts, making it an excellent choice for senior pets with mobility issues. If you are a pet parent of a breed predisposed to cancer or other serious illnesses, Trupanion is worth considering. Furthermore, their direct vet pay option streamlines the payment process by directly settling bills with the vet.

Coverage under Trupanion encompasses hospital stays, diagnostic tests, medications, surgeries, and other necessary treatments for both illnesses and injuries.


  • Wide range of price options available
  • Direct payments to veterinarians for convenience
  • Decades of experience in the industry
  • 90% coverage for medical expenses
  • No payout limits, ensuring comprehensive coverage
  • High retention rate, with 98% of Trupanion members staying enrolled


  • No annual limits on coverage, ensuring comprehensive protection
  • No age restrictions on hip dysplasia with a 30-day waiting period
  • Coverage is available in the US, Canada, and Puerto Rico
  • Enrollment from birth coverage offering protection from an early stage
  • Unlimited lifetime coverage per condition, surpassing annual coverage limits
  • No exam period required to qualify for coverage
  • No bilateral exclusions, providing coverage for both pre-existing and new conditions


  • Direct pay only to veterinary partners
  • Costlier than other pet insurance companies

Learn more at Trupanion website

9. Spot

Spot pet insurance for westies

We like Spot pet insurance for the West Highland White Terrier because there’s no upper age limit for enrollment. Customers also gain access to round-the-clock support from veterinary professionals through the VetConnect™ hotline at no additional cost. Spot provides a 10% discount for multi-pet households as an added bonus.

With reimbursement rates ranging from 70% to 90%, Spot offers a satisfaction guarantee with a 30-day money-back policy. Spot pet insurance stands out with its range of customizable options for preventative care coverage, allowing pet owners to set annual limits, deductibles, and reimbursement rates according to their individual needs.

Additionally, Spot goes above and beyond by offering coverage for alternative therapies such as acupuncture, low-level laser therapy, hydrotherapy, and more. In addition to accident and illness plans, vet treatments for behavioral problems like anxiety and aggression can also be included. Spot rewards new enrollees with a $25 Amazon Gift Card upon enrollment to sweeten the deal.


  • Customizable plans to suit individual needs
  • Additional preventative coverage add-ons are available
  • Affordable pricing options
  • Coverage for behavioral problems
  • Covers holistic treatments for a comprehensive approach to pet health
  • Whisker Vet Help Line available 24/7 for expert advice and support


  • Low $100 deductible for cost-effective coverage
  • Optional Wellness plan for added preventive care
  • Coverage for microchipping, ensuring identification and safety
  • No age limits for new enrollments, providing flexibility for all Westie
  • 30-day refund policy for added peace of mind
  • Multi-pet discount for households
  • Cesar Millan endorsement, showcasing trusted recognition


  • Enrollment acceptance may take 2-3 weeks for your Westie
  • A 14-day waiting period for accident and illness plans to take effect

Learn more at Spot website

10. Pet Assure – Best Pet Insurance Discount Plan

Pet Assure pet insurance for westies

Pet Assure is a leading company that provides veterinary discounts to reduce the financial burden of pet care expenses. With a network of 5,600 participating vets across all 50 states and Puerto Rico, you can access fantastic deals no matter where you and your Westie are located. You can also opt for a veterinary discount or the Mint Wellness plan with routine wellness coverage.

We like this discount plan for Westies because you can use it for in-house and emergency care. Westies of any age can be enrolled, including those with existing health conditions typically not covered by pet insurance companies.

When choosing a veterinary health discount plan, Pet Assure is an excellent option to consider. With plans starting at under $10 per month, you can enjoy comprehensive coverage for your Westie for every condition without any waiting period.


  • Discount membership plan for affordable West Highland White Terrier care
  • All treatments are covered, ensuring comprehensive coverage
  • Mint Wellness Plan option for routine wellness coverage
  • Easy and fast online enrollment process with no forms to fill out
  • Pricing determined by location and number of pets, allowing flexibility
  • No wait periods – same-day sign-up for immediate veterinary care
  • Covers Wellness program, promoting preventive care


  • Regardless of health conditions and age, all pets can be treated by a participating vet
  • No waiting periods, deductibles, or annual limits, providing hassle-free coverage
  • Large multi-pet and yearly payment discounts, saving money for multi-pet households
  • Covers pre-existing conditions, ensuring continued care for all pets
  • 45-day money-back guarantee, offering peace of mind
  • Covers dental care, addressing oral health needs
  • Business Bureau A+ rating, demonstrating reliability and trustworthiness


  • Veterinary treatment must be performed in-house by a registered Pet Assure veterinarian
  • No prescription coverage, requiring separate arrangements for medication
  • No coverage on tests conducted by outside labs, potentially leading to additional costs

Learn more at Pet Assure website

What Redditors Say

Verified Reviews

We always enjoy turning to Reddit to see what users have to say about pet insurance.

In a post on r/dogs, a user asked for recommendations on pet insurance for dogs. Another user recommended Trupanion, praising its customizable premium and per-issue lifetime deductible.

“Trupanion covered over $30k for us last year alone, and the nice thing about them is that they pay the vet directly, as opposed to a reimbursement-based system.”

Another verified user recommended Embrace.

“I have had an amazing experience with Embrace, and I highly recommend it! We filed probably 30 claims for our puppy in the first year, everything from rashes to bigger emergency hospital visits. Customer service was so fast to answer my calls and extremely nice. The website is super easy to navigate and submitting claims is easy too. I always receive my checks in a timely manner, and despite all the claims we filed last year, our dog’s premium remained the same upon renewal.”

The topic of cancer was also covered with another Reddit user saying,

“Lemonade has been great to me. Covered over 10k for my bichon when he got liver cancer. He’s still around and kicking, doing well. His premium is about $55 a month now though but still well worth. My doodles is only $19 a month.”

Final Thoughts

When choosing pet insurance for your Westie, there are several factors to consider, such as coverage options, pricing, availability, claim processing, and the specific needs and health predispositions of the West Highland White Terrier breed. It’s important to compare different providers and policies to find the right fit for you and your Westie.

FAQ’s Best Pet Insurance for Westies

Q: What questions should I ask about pet insurance for my Westie?

A: When considering pet insurance for your Westie, asking relevant questions is crucial to ensure suitable coverage. Here are some Westie-specific inquiries to consider:

  • Does the policy cover genetic conditions common in Westies, such as hip dysplasia or allergies?
  • Are there any restrictions on coverage for breed-specific conditions like Westie Lung Disease?
  • Can the insurance plan be customized to address the specific needs and potential health risks of a Westie?
  • How does the insurance handle preexisting conditions that may affect Westies?
  • Are there any additional benefits or coverage options catering specifically to Westies, such as dental care or skin treatments?

By asking these breed-specific questions, you can find pet insurance that offers comprehensive coverage tailored to the unique health concerns of your Westie.

Q: What should I be looking for in pet insurance?

A: When it comes to finding pet insurance for your Westie, there are various options to consider. Here are some key points to keep in mind:

  • Cost: The average pet insurance cost for a Westie ranges from $41 to $62 per month, depending on factors like your location and chosen deductible. Source: Embrace Pet Insurance
  • Coverage: Look for comprehensive coverage that includes accidents, illnesses, hereditary conditions, and breed-specific issues like Westie Lung Disease. Consider providers like Figo, Healthy Paws, and Embrace, offering specific Westies coverage.
  • Customization: Opt for a plan that allows customization to address your Westie’s specific needs, such as dental care or skin treatments. Pets Best offers customizable plans.

Q: What to know before buying a Westie?

A: The West Highland White Terrier Club of America adds that the OFA, working with the breed’s parent club, recommends basic health screening tests for all breeding stock. “For potential puppy buyers, CHIC certification is a good indicator that the breeder responsibly factors good health into their selection criteria. The breed-specific list below represents the basic health screening recommendations.
It is not all-encompassing. There may be other health screening tests appropriate for this breed. And, there may be other health concerns for which no commonly accepted screening protocol is available,” explains OFA.

Q: What is the best type of dog insurance to get?

A: Some of the best pet insurance companies for dogs in September 2023 are Pet’s Best, Embrace, Spot, Trupanion, Lemonade, and Figo. These companies offer customizable plans, superior benefits, and affordable coverage options.

However, the best type of dog insurance can vary depending on individual needs and preferences. It’s recommended to compare different companies, their coverage options, and customer reviews to find the insurance that suits your specific requirements.

In conclusion, finding the right pet insurance for your West Highland White Terrier involves considering their genetic health predispositions and comparing the coverage, pricing, and benefits different insurance companies offer.

By doing thorough research and assessing your Westie’s specific needs, you can make an informed decision and provide them with the necessary protection and care.

Q: Is teeth cleaning covered by pet insurance?

A: No, not all pet insurance policies cover teeth cleaning. The coverage for dental care varies between different insurance providers. While some policies may include routine dental care, others may offer more extensive coverage, including teeth cleaning and extractions.

It is crucial to carefully review the policy documents to understand what dental procedures are covered. If you have any doubts or questions about a specific procedure, it is advisable to reach out to the insurance company directly for clarification.

Q: Why are regular teeth cleanings important for Westies?

A: Regular teeth cleanings are crucial for your Westie’s oral health. They help prevent plaque and tartar buildup, tooth decay, gum disease, bad breath, and systemic health issues. Additionally, regular cleanings allow for the early detection of dental problems.

How Does Pet Insurance Work?

Video Credit: WKYC Channel 3

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