Best Corgi Pet Insurance Plans (2023)

by | 2/1/2023

Centuries before they became internet famous for their fluffy bums and loaf-like look, Corgis were used to drive livestock and sheep on farms throughout the countryside of Wales. Their short limbs and low-to-the-ground physiques made them the perfect size for weaving between herds and nipping at the heels of livestock. 

Unfortunately, the Corgi’s disproportionate features place significant stress on its spinal cord, joints, and nerves. As a responsible Corgi owner, you need to be prepared to finance potentially expensive treatment costs for the numerous hereditary conditions common in this breed.

To help you get there, we’ve highlighted the best pet insurance for Corgis by answering the following questions:

  • Why is pet insurance for Corgis important?
  • How much does pet insurance for Corgis cost?
  • What are our top provider recommendations for Corgi pet insurance?
  • Is pet insurance for Corgis worth it?

Continue reading to learn more about the following pet insurance providers so that you can choose the best one for your needs:

 

Our Top 3 Picks for Corgi Pet Insurance

Spot

Lemonade 

Embrace

Quote

Visit Site

Visit Site

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Our Score

4.9/5

4.8/5

4.7/5

Deductible

$100 to $1,000

$100 to $500

$200 to $1,000

Average Monthly Cost for Corgis

$30 to $50

$37

$30 to $40

Multi-pet Discount

10%

5%

10%

Wellness Add-on

Yes

Yes

Yes

BBB Rating

A

F

A+

Why Is Pet Insurance For Corgis Important?

According to the American Kennel Club (AKC), there are two different breeds of Corgis — the Cardigan Welsh Corgi and the Pembroke Welsh Corgi. 

Cardigan and Pembroke Corgis share the same health risks and lifespans despite differing slightly in appearance and average weight. Both have a genetic mutation called achondroplastic dwarfism, hence their short stature, which has been perpetuated by selective breeding for aesthetic reasons. Other dog breeds with this mutation include Dachshunds, Basset Hounds, Pekingese, and Bulldogs. 

Because of the asymmetry created by their long backs atop short legs, Corgis suffer from several congenital spinal conditions, including intervertebral disc disease (IVDD) and degenerative myelopathy. If left untreated, issues affecting the spine could result in permanent nerve damage and even paralysis.

Other orthopedic conditions that may affect your Corgi include hip dysplasia and elbow dysplasia, cruciate ligament tears, and arthritis. Corgis are also prone to quite a few hereditary eye problems, which may lead to gradual blindness, specifically progressive retinal atrophy (PRA) and lens luxation. 

By enrolling in the best pet insurance for Corgis, you’ll be qualified for partial reimbursements on some of the following veterinary costs:

Injury/Illness

Estimated Expense

IVDD

$3,000 to $8,000

Degenerative myelopathy

$2,000 to $4,000

Hip dysplasia

$1,200 to $7,000 per hip

Cataracts

$2,700 to $4,000

Epilepsy

$200 to $500+ per year

Von Willebrand’s Disease (vWD)

$800 to $1,500

How Much Does Pet Insurance For Corgis Cost?

On average, pet health insurance for a Corgi costs between $30 and $60 per month. Aside from how you customize your policy, the premium you’ll pay to insure your Corgi will also be based on how old it is at initial enrollment and your residential ZIP code. 

Older pets are generally more expensive to insure than younger ones as they’re more likely to need coverage due to geriatric health issues. If you have an older Corgi that you’re looking to enroll in pet insurance, keep an eye out for age-specific exclusions. Some providers offer significantly narrower coverage options for seniors. 

In terms of location, most pet insurance companies will model your monthly premium around the cost of veterinary care in your area. A pet owner living in a more densely populated city with a higher cost of living will incur a more expensive premium than one living in a less populated, rural setting. 

Here’s how the monthly premium for a Corgi enrolled in a sample accident/illness policy varies across different regions of the United States:

State

Estimated Cost

California

$35.35

Florida

$39.73

Indiana

$42.79

New York

$45.33

*These estimates are based on standard accident/illness coverage with a $4,000 annual limit, an 80% reimbursement rate, and an annual deductible of $250 for an alias 2-year-old Welsh Corgi living in the capital city of each featured state. Prices are subject to change. 

Best Pet Insurance for Corgis

To find the best coverage for you and your Corgi based on your budget and coverage objectives, we always recommend generating a free quote from each of your top contenders.

Spot for Corgis 

Spot divides its standard pet insurance into accident-only and accident/illness base plan variations so you can customize your policy to accommodate your Corgi’s coverage needs as well as your budget. 

As you’ve seen, Corgis come with a surplus of expensive health liabilities. Spot makes sure that you’ll be covered for any emergency veterinary service your Corgi might need by offering an unlimited annual benefits option. You also won’t have to worry about per-item or lifetime maximums through this provider. 

Another perk of enrolling in Spot is that it includes items in its standard coverage that competing pet insurance providers often only offer as add-ons. No matter what base plan you enroll in, all Spot policyholders will be covered for microchip implantation, behavioral training, and exam fees at no additional cost.

Pros and Cons

Pros

  • No upper age limits
  • Offers an unlimited annual payout option
  • Includes alternative therapies like chiropractic care, physiotherapy, and acupuncture

Cons

  • Doesn’t cover prescription pet food, which can be helpful for Corgi weight maintenance
  • 14-day waiting period for accidents

Read our full Spot pet insurance review to learn more about Spot and its policy breakdown. 

Lemonade for Corgis

Lemonade makes choosing standard insurance easy because it only offers one principal accident/illness policy, covering your Corgi for most accidents, illnesses, congenital conditions, and emergency veterinary care. With plans starting as low as $10 per month, Lemonade sports some of the lowest premiums industry-wide, though Corgi owners should expect a rate closer to $22 per month. 

Like any other provider, Lemonade has exclusions. You won’t find coverage for pre-existing conditions, dental illness care, elective cosmetic procedures, or behavioral training through this provider.

Lemonade also doesn’t cover routine care items like annual checkups or vaccinations. Still, these services, among other wellness expenses, can be added to your policy by purchasing one of Lemonade’s three preventative care riders. You’ll even have access to a wellness plan designed specifically for Corgi puppies for an additional $40 per month. 

Pros and Cons

Pros

  • Competitively low monthly premiums
  • Covers policyholders for up to $100,000 per year in eligible emergency expenses
  • User-friendly mobile app and desktop interface 

Cons

  • Only available in 36 select states and Washington, D.C.
  • Upper age limits for Corgis aged 14 and older

For more details, check out our complete Lemonade pet insurance review

ASPCA for Corgis 

ASPCA offers two base plan options for pet parents. Its accident-only policy strictly covers emergency vet care items, like X-rays, surgery, hospitalizations, etc. Pet owners looking for a more comprehensive policy can instead opt for ASPCA’s Complete Coverage plan, which will reimburse them for a portion of any vet bills related to accidents, illnesses, hereditary conditions, and chronic conditions like diabetes, arthritis, cancer, etc. 

To take your policy one step further, ASPCA also has two optional preventative care plans — the Basic package for an additional $9.95 per month and up to $250 in annual coverage benefits or the Prime package for $24.95 and up to $450 in routine care benefits. These add-ons cover items like dental cleanings, core vaccines, parasite prevention, and more. 

Pros and Cons

Pros

  • Exam fees and microchipping covered for those who enroll in accident/illness coverage
  • 10% multi-pet discount
  • Has a shorter list of exclusions than competing providers

Cons

  • Maximum annual coverage option is only $10,000
  • Claims can take up to 30 days to be processed

Head over to our ASPCA pet insurance review for an in-depth look at its available plans. 

Embrace for Corgis

Embrace offers accident/illness coverage for Corgis under the age of 15 and accident-only insurance for all ages. Policyholders can also supplement both base plans with Embrace’s non-insurance Wellness Rewards, which reimburses pet owners for $250, $450, or $650 in routine care expenses per year. 

When you enroll in an Embrace policy, you’ll save money even while not actively using your coverage. Through its Healthy Pet Deductible program, Embrace will lower your annual deductible by $50 for every year you go without needing to file a claim. 

This provider is a great choice for Corgi owners searching for comprehensive coverage with an already sick Corgi. Embrace is one of the few pet insurers that’ll cover curable pre-existing conditions like UTIs, general infections, vomiting, diarrhea, etc., as long as your pet can go 12 months without expressed symptoms. 

Pros and Cons

Pros

  • Exclusive vanishing deductible feature 
  • Flexible pre-existing condition terms 
  • 5% discount for policyholders who enroll multiple pets

Cons

  • Six-month waiting period for orthopedic conditions like hip dysplasia
  • Accident-only coverage only covers up to $5,000 in claims per year

Visit our Embrace pet insurance review for additional information on this provider. 

Healthy Paws for Corgis

Healthy Paws is ideal for Corgi owners looking solely for emergency pet insurance, as this provider doesn’t offer any preventative care options. Healthy Paws only offers one comprehensive policy, but you’ll be able to customize your coverage to your liking by adjusting your policy details at enrollment. All Healthy Paws policyholders are provided with unlimited annual coverage benefits and no incident or lifetime maximums.

Because Healthy Paws doesn’t cover hip dysplasia for pets over the age of 6 at enrollment, we wouldn’t recommend this provider to anyone looking to insure an older Corgi. Healthy Paws also only reimburses pet owners with senior pets for up to 70% of covered expenses. Pets over the age of 14 aren’t eligible to enroll with Healthy Paws. 

Pros and Cons

Pros

  • Claims are typically processed within two days
  • No per-item, annual, or lifetime maximums
  • Offers a user-friendly mobile app for plan management and claims filing

Cons

  • Corgis enrolled after the age of 6 won’t be eligible for hip dysplasia coverage
  • 12-month waiting period for orthopedic conditions

Keep reading about Healthy Paws and its coverage features in our Healthy Paws pet insurance review.

Is Pet Insurance For Corgis Worth It?

Pet insurance can be a lifesaver if your Corgi is affected by unexpected illnesses or injuries. Still, it can also help keep your pup out of the emergency room in the first place by making preventative care more affordable. 

Many of the orthopedic conditions common in Corgis can be onset by factors beyond just genetics. Obesity is especially detrimental to Corgis as excess weight on their already disproportionate frames perpetuates joint issues like hip and elbow dysplasia. It also puts unnecessary strain on vital organs like the heart and lungs. 

Dog insurance can help Corgi owners ward off future health problems by covering a portion of preventative care items like specialty diet pet food and orthopedic pre-screenings. Enrolling in the right policy will leave you with peace of mind that your Corgi’s healthcare is always promised, whether that be for the predictable costs or the unexpected ones.  

Final Thoughts

Nailing down the best Corgi pet insurance coverage is a race against time in many ways. No pet insurance covers pre-existing conditions, so staying ahead of them is critical. In an ideal scenario, you’ll have enrolled your Corgi while it’s still young and hasn’t yet faced any major medical mishaps. But, we understand this isn’t always possible for everyone. 

Regardless of how old your Corgi is, injury or illness can strike at any time. As we’ve covered, treating just one case of acute canine hip dysplasia can rack up a bill of approximately $7,000. 

For the Corgi owner who preemptively enrolled their pup in accident/illness coverage in preparation for moments like these, up to $6,300 of that payment due could be covered by their pet insurance policy, depending on their selected reimbursement rate. 

On the other hand, an uninsured owner will have to cover that invoice in full and upfront at the animal hospital. Or, in more dire cases, be forced to choose euthanasia as the next most humane decision for their dog because they simply can’t afford treatment. 

Above all else, pet insurance guarantees that you won’t ever have to choose anything but life and longevity for your Corgi when it comes to affording its medical care.  

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.