Best Pet Insurance For Pit Bulls (2023)

by | 1/23/2023

Though their stocky, muscular build and misrepresentation in mainstream media might suggest otherwise, pitties are true softies at heart. 

You may be surprised to learn that the Pit Bull isn’t a classified breed itself, but rather an umbrella term used to lump together a few different breeds with shared physical features — typically the American Bully, American Staffordshire Terrier, American Bulldog, and American Pit Bull Terrier. 

Square-shaped heads and wide grins aren’t the only things these breeds have in common. They’re also at high risk for several hereditary health risks, which often cost thousands of dollars to diagnose and treat.

By securing the best pet insurance for Pit Bulls ahead of time, you’ll be reimbursed for a large chunk of out-of-pocket vet bills related to unexpected illnesses or injuries. 

In this guide, we’ve highlighted providers and plans perfect for Pit Bulls by answering the following questions:

  • Why is pet insurance for Pit Bulls important?
  • How much does pet insurance for Pit Bulls cost?
  • What are our top recommendations for Pit Bull pet insurance?
  • Is pet insurance for Pit Bulls 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 Pit Bull Pet Insurance





Visit Site

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Our Score





$100 to $1,000

$100 to $500

$200 to $1,000

Average Monthly Cost for Pit Bulls

$30 to $50


$30 to $40

Multi-pet Discount




Wellness Add-on




BBB Rating




Why Is Pet Insurance for Pit Bulls Important?

Because Pit Bulls are typically medium to large in size, depending on their breed background, they’re at a higher risk of a few congenital conditions primarily related to bone and muscular health, like hip and elbow dysplasia, patellar luxation, degenerative myelopathy, and myotonia.

Pit Bulls also tend to suffer from a few skin conditions. Due to its short, single-layer coat, dermal allergies, ichthyosis, and mange aren’t uncommon among this family of breeds. Gastric bloat, usually induced by eating too quickly, is something to keep an eye out for as well.  

These health issues common in Pit Bulls aren’t exclusively triggered by genetics. Extraneous factors like sudden onset injury, obesity, poor nutrition, and metabolic disorders could also land your dog in the hospital and leave you bearing the cost. 

Most pet insurance plans will cover up to 90% of emergency veterinary expenses related to all of the aforementioned health problems seen in Pit Bulls and more, as long as none were pre-existing.

Below are a few breed-specific health issues commonly seen in Pit Bulls and what they’ll cost on average to address:


Estimated Expense

Hip dysplasia

$1,200 to $7,000 per hip

Patellar luxation

$1,500 to $3,000 per knee


$500 to $1,000

Gastric bloat

$1,500 to $7,000


$350+ for intradermal testing; $35 to $130 per immunotherapy session


$30 to $50 for topical treatment; $50+ per month for oral antimicrobials


$100 to $300+


The Best Pet Insurance for Pit Bulls

Enrolling in the right policy for your Pit Bull isn’t just about cost. You’ll want to keep your dog’s previous medical history and potential breed-specific risks at the forefront of your mind as you compare different providers. 

Spot Pet Insurance

Pit Bulls are naturally high-energy dogs, requiring daily mental stimulation and intensive exercise. Spot includes behavioral training in all levels of its standard coverage at no extra cost, as well as microchipping, exam fees, and alternative therapies.  

Spot also offers an option for unlimited annual coverage for both its accident-only and accident/illness plans. These base policies have no upper age limits, so pitties young and old are welcome to enroll. 

Spot has two optional preventative care riders available for further coverage, which will cover your dog’s routine healthcare services like parasite prevention, core vaccines, dental cleaning, and more. 

Pros and Cons


  • Offers a number of perks in its standard coverage that competitors don’t, like behavioral therapy and microchip implantations
  • Option for unlimited annual coverage for accident-only or accident/illness
  • Rewards new enrollees with a $25 Amazon gift card* 

*Offer only available in California, Florida, Idaho, Maine, Montana, New Jersey, New York, and Washington.


  • Doesn’t cover prescription pet food
  • Slightly higher than average monthly premiums

To learn more about Spot’s pet insurance coverage options, check out our full Spot pet insurance review.

Lemonade Pet Insurance

You can enroll your Pit Bull in cost-effective yet comprehensive accident/illness coverage at any time through Lemonade’s easy-to-use mobile app, so long as you live in Washington, D.C., or any of the 36 select states that it serves. 

Lemonade’s standard pet insurance policy covers everything from broken bones to intensive cancer treatment, but not dental illness care or behavioral training. 

Feel free to add one of Lemonade’s three preventative care packages to your Pit Bull’s policy for an additional $15 to $40 per month. This extra layer of coverage will insure you for scheduled wellness benefits such as annual diagnostics, core vaccines, and access to an exclusive medical advice chat line. 

Vet visit fees and physical therapy coverage are also available as freestanding add-ons. 

Also, as a multi-line insurance agency, Lemonade will knock 10% off your monthly premium when you bundle your pet insurance policy with either its renters’ or home insurance. 

As a disclaimer, due to national insurance regulations, Pit Bulls aren’t covered under Lemonade’s personal liability coverage in certain states as they’re categorized as a high-risk breed. Other dog breeds like Rottweilers, Great Danes, Huskies, and Akitas also fall under this category. 

Pros and Cons


  • Offers up to $100,000 in annual coverage benefits
  • Competitively affordable monthly premiums that start as low as $10 per month
  • Two-day waiting period for accident coverage


  • Doesn’t offer an unlimited payout option like some of its competitors
  • Pit Bulls aged 14 years or older aren’t eligible for initial enrollment

Read on about Lemonade’s inclusions, exclusions, and other insurance options in our in-depth Lemonade pet insurance review

ASPCA Pet Insurance 

Underwritten by Crum & Forster, the same insurance company that produces Spot’s policies, both ASPCA and Spot share the same base plan frameworks and monthly rates but different customization options. 

By enrolling in pet insurance through ASPCA, dog owners will have access to either an accident-only plan or the more comprehensive Complete Coverage option. With Complete Coverage, pet parents will be covered for nearly everything from basic wound care to complex treatment for chronic and congenital conditions like arthritis, diabetes, cancer, etc. 

Suppose you’d like to supplement your policy with preventative care. In that case, ASPCA offers two tiers of wellness coverage — Basic ($9.95 per month) for $250 of annual coverage or Prime ($24.95 per month) for $450 of coverage.

Pros and Cons


  • Includes microchip implantation, exam fees, and alternative therapy in standard coverage
  • Covers a long list of congenital and hereditary conditions
  • 30-day money-back guarantee


  • Highest annual coverage limit is only $10,000
  • Can take up to 30 days to process claims

For further information on how ASPCA might be right for you and your pet, head over to our complete ASPCA pet insurance review

Embrace Pet Insurance

Embrace’s customizable accident/illness coverage is available to new pets up until their 14th birthdays. However, its accident-only policy offers open enrollment at any age. Unlike its competitors, Embrace offers preventative care coverage through a non-insurance Wellness Rewards program that finances routine care items through a fixed annual allowance. 

This provider is one of the few that distinguishes between curable and incurable pre-existing conditions, giving a policyholder more wiggle room for coverage if they enroll in an Embrace policy with an already sick pet. But, for every year a pet owner goes without needing to file a claim, they’ll be rewarded with a $50 annual discount on their deductible. 

Pros and Cons


  • Offers a 10% discount for multiple pets
  • Embrace-exclusive Healthy Pet vanishing deductible program
  • Includes a free medical history review for new enrollees


  • Six-month waiting period for orthopedic conditions like hip dysplasia
  • Upper age limits on accident-illness enrollment eligibility

Interested in an Embrace policy for your pet? Visit our more detailed Embrace pet insurance review for further information on this provider. 

Healthy Paws Pet Insurance

Healthy Paws is a solid option for a Pit Bull owner who has a handle on their dog’s routine care expenses but are looking for support in the event of a veterinary emergency. With one principal accident/illness plan with automatic unlimited annual benefits, Healthy Paws boasts essentially ready-made policies for its customers, but at the expense of no preventative care options. 

We most recommend this provider for a pittie between the age of one and five, as Healthy Paws cuts off coverage for hip dysplasia for dogs enrolled at ages six and up. Pets enrolled after the age of six also have far narrower coverage options than younger pets. 

Pros and Cons


  • Has donated over $1.6 million to 300+ nonprofit animal welfare organizations
  • Unlimited annual coverage benefits for all Healthy Paws policyholders
  • Estimated two-day claims processing


  • No available wellness plans or extra add-ons
  • Upper age limits and significantly narrower coverage options for senior pets

To learn more about what Healthy Paws does and doesn’t cover, check out our Healthy Paws pet insurance review

How Much Does Pet Insurance For Pit Bulls Cost?

On average, pet health insurance for Pit Bulls tends to cost between $40 and $60 per month. But, the amount you’ll pay for comprehensive pit bull insurance will depend on where you live in the United States. 

Pet insurance providers tend to base premiums on the cost of living specific to your ZIP code, meaning your monthly rate might be more expensive if you live in a densely populated area where medical costs are higher. 

Here’s how an accident/illness policy for a Pit Bull might vary in price across different regions of the country:


Estimated Cost







New York


*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 Pit Bull living in the capital city of each featured state. Prices are subject to change. 

When calculating your personalized premium, most insurers will also consider your pet’s age. Older pitties will be more expensive to insure than younger ones due to their increased likelihood of needing medical coverage. 

The best way to find a provider that aligns with your budget and coverage needs is by generating a free quote for each of your top choices. 

Is Pet Insurance For Pit Bulls Worth It?

Pet insurance for Pit Bulls can be beneficial for financing the potentially big-ticket treatment costs of congenital conditions common in breeds typically categorized as pitties. 

Your own Pit Bull’s predisposition to these breed-specific health risks will in part depend on its genetic makeup. Mystery mixed breed dogs are statistically less likely to suffer from hereditary diseases than any of the various pedigree breeds associated with Pit Bulls. 

Yet, while there’s no guarantee that inherited conditions will affect your pittie, an unexpected injury or illness is far more likely to occur at some point during your dog’s life. Enrolling in dog insurance ahead of time guarantees that your pup’s access to proper veterinary care will never be jeopardized by what you can’t afford. 

Final Thoughts

It’s estimated that around 800,000 Pit Bulls are euthanized in shelters across the country every year, in part because of breed-specific legislation that prohibits related breeds on specific properties or even within designated municipalities.

Below are a few national nonprofit efforts working to advocate against Pit Bull prejudice through public outreach and rescue initiatives:

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.