Bullmastiff Insurance

Bullmastiff Insurance Made Easy!

Bullmastiff is a hybrid breed created by a cross between a Mastiff and a Bulldog. This crossbreed makes fearless and loyal family pets. Bullmastiffs are good for people who are looking for low-maintenance breeds. They are intelligent dogs who are brave, loyal and affectionate for their owners. The Bullmastiff breed is a large size domestic dog, having a muscular body. The average weight of bulldogs is around 100 to 130 pounds. They are also known as Gamekeepers Night Dogs.

Investing in a pet insurance policy for Bullmastiff is essential to provide the care your dog deserves. Whether you have a puppy Bullmastiff, or adult dog, each category has its health risks. To fulfil your dog’s health needs, you must invest in health insurance policies for dogs.

Why do you need Bullmastiff Insurance?

As a pet parent, you are responsible for fulfilling your Bullmastiffs’ medical, health, and safety needs. Doing the right thing for your furry buddies must never be restricted by the costs. Investing in a dog insurance policy is a useful and economical way to protect your canine companions from any unexpected issues.

Pet insurance investment means you are paying small amounts monthly to the insurance entity to spend money for the health care facilities your dog might need in future.

Dog insurance policies for Bullmastiffs provide coverage for diseases and accidents. Some insurance companies allow you to build pet insurance that fits your budget and is tailored to your dog’s needs. It’s your choice completely which policy you pick as per your budget. The policy prices range from low to high depending on the coverage it offers.

By opting for a dog insurance policy you can claim for reimbursement of vet fees, diagnostic costs, medication expenses, therapies, alternative treatments, hospitalisation costs, and surgery. A dog wellness plan perk is sometimes available when buying a policy. It allows you to get treatment such as grooming, training, behavioural therapy, vaccination, and routine vet costs at a discounted price.

What are common diseases in Bullmastiff Breed?

Bullmastiffs are giant dog breeds and they are prone to many health-related problems. Large dog breeds like Saint Bernards and Bullmastiffs have a shorter life expectancy than smaller breeds. Bullmastiffs have an average life expectancy of 7 to 9 years, whereas Saint Bernard can live up to 8 to 10 years on average. The deep chests of Bullmastiffs can cause life-threatening issues like stomach bloat. There are multiple other breed-specific illnesses for Bullmastiffs which include:

• Patellar Luxation
• Cancers
• Thyroid Problems
• Elbow Dysplasia
• Eye issues like Cataract, Entropion
• Mast Cell Tumors
• Kidney and Bladder issues
• Ruptured Anterior Cruciate Ligament
• Legg-Perthes Disease
• Hip Dysplasia
• Heart murmurs

While choosing insurance for your Bullmastiffs, make sure the policy is comprehensive and covers common health conditions this breed is prone to. Therefore, it is important to understand the policy terms to know how much and what extent of costs you can recover from the insurance company. Having an appropriate insurance policy helps you to provide the best care possible for your beloved Bullmastiffs. In this way, financial outflow risk for the expensive vet treatment is lowered by opting for insurance.

What is covered by Bullmastiff Insurance?

Dog insurance coverage varies depending on the type of policy you opted for and the insurance company you selected. Discussed below are some of the most common costs usually covered by insurance companies.

Vet Treatment Expenses

The vet treatment costs such as medical bills, hospitalisation expenses, diagnostic tests, medication expenses, and surgery costs can be claimed from the insurance entities, provided that the vet fee limit isn’t reached.

Coverage for Accidental Injuries

Some insurance policies provide coverage for illnesses as well as injuries. You can claim for costs related to recovery after an injury. It may include costs such as fracture recovery, dental treatment, or other costs related to surgery after an accident.

Missing Pets

The cost to recover missing or stolen pets is claimable. It may include different types of costs such as the cost to run a TV commercial to find a lost pet, reward expense for missing dog recovery, advertisement cost for flyer printing etc.

Third-Party Coverage

Sometimes dogs could be dangerous or harmful to other humans or pets. In case, your dog has done damage to someone’s property, or their pet, then you might face a legal claim. However, if you have opted for third-party liability coverage from insurance, then the costs for legal claims can be reimbursed.

Kennel Fee

What if you need a hospitalization stay, and no one can take care of your beloved Bullmastiffs? Then you surely need to put them in a kennel for their safety and care. Insurance entities can cover these kennel costs if you have opted for this option.

International Travel

If your dog is sick during an abroad tour, and you need immediate medical care from the vet, then costs can be claimed from your insurance company. For this, you must add an international travel coverage option to your dog insurance policy.

Emergency Costs

Pet insurance policies usually offer coverage for emergency services. You can decide on the co-payment option for medical bills to share the cost with insurance entities.

Tips to choose a pet insurance policy

To make the most out of of Bullmastiff insurance policy, follow these tips:

• Go for a reliable and affordable dog insurance policy
• Check policy terms and conditions
• Ask the insurance company about loyalty, first-time discounts or multi-dog discounts.
• Analyse what you would be required to pay if you choose extras
• Inquire about the probability of the cost you would need to pay in case of co-payment option
• Read reviews about the insurance provider
• Understand the claim process
• Check the waiting period time limit during which claims are inadmissible

What is excluded from dog insurance policies?

The dog insurance policies cover costs for your dogs only up to a specified pre-defined limit. Any cost over and above that limit needs to be financed personally. Here are the costs which are specifically excluded from pet insurance policies.

• Pre-existing conditions are not claimable expenses.
• Spaying, neutering, breeding, pregnancy or birth-related costs of Bullmastiffs are excluded from insurance policies.
• You cannot claim routine care expenditures such as check-up fees, dental care, flea treatment, etc.
• Costs such as dog microchipping, vaccination, grooming etc are not part of standard insurance policies. However, you can get these perks at a discounted price along with a Bullmastiff Insurance policy.
• Claw clipping and teeth maintenance costs are among preventive care costs. You cannot put a claim for such costs.

The excluded costs differ from company to company. It is essential to read the insurance policy carefully to find excluded or hidden costs.

What are pre-existing conditions and why they are excluded?

A pre-existing condition could be either an injury or illness, that was already known or diagnosed before opting for insurance.  Even if the symptoms of the disease were there before the start of an insurance policy, you are not eligible to make any claim for those conditions. There are two types of pre-existing conditions i.e., curable pre-existing conditions and chronic conditions.

Dog insurance policies only cover those illnesses or injuries which are completely new. This is the reason why it is important to buy insurance policies for dogs as soon as possible. Insuring your dogs when they are puppies is the most suitable time to go for insurance.

Pre-existing conditions are excluded from the coverage because insurance companies anticipate a high risk for claims. Insurance providers expect to pay out more for dogs with pre-existing issues. This is why they exclude these conditions and provide coverage for illnesses which are diagnosed during policy tenure.

Specialist Cover for Pre-existing Conditions

If you want a cover for pre-existing conditions, then go for a tailored insurance policy. Specialist insurance policy can cover specific pre-existing conditions, but it might cost you more than other coverage options. Furthermore, you will only get insurance for a few specific conditions, not all. So, it’s better to finance the health costs for pre-existing conditions on your own instead of relying on insurance companies.

Does the insurance policy for Bullmastiffs cover older dogs?

Bullmastiff insurance policy terms and conditions differ among service providers. Likewise, the upper age limit where they stop issuing insurance for dogs, might also vary. Therefore, it is difficult to determine whether the insurance policy you opted for covers older dogs or not.

Some insurance companies might restrict you from insuring dogs above a certain age, while others might offer older dog insurance for Bullmastiffs by charging a high insurance premium. So, it’s uncertain whether your older dog is eligible for insurance or not.

Pro Tip: Don’t switch insurance providers when your dog is about to hit senior years as it might be difficult to find a suitable new policy. Furthermore, all the conditions will be treated as pre-existing conditions if you switch from one insurance entity to a new one.

How to compare pet insurance policies for Bullmastiff?

With the right dog insurance policy, your canines can get all the care they need and deserve. Insurance policies enable you to hedge the financial risk associated with the healthcare facilities needed for your dog. Deciding the right policy for your dogs from the start is of extreme importance. It is significant to compare pet insurance quotes to choose the right policy for your Bullmastif. Here’s a brief description of how you can choose the best Bullmastiff insurance.

Compare Insurance Types

Understand your dog’s needs to decide what type of policy is more suitable for them. There are four standard insurance policies available for Bullmastiffs including Lifetime, Maximum Benefit, Time Limited & Accident Only insurance. You have to choose the right type of insurance type by considering your dog’s needs, age, and health conditions. If you want comprehensive insurance that allows coverage for maximum conditions and injuries, then go for the lifetime insurance option. It is the most expensive yet most beneficial type of policy that covers a wide range of illnesses up to a pre-defined limit set for each disease or injury.

Compare Insurance Providers

You must choose the insurance company carefully considering reviews of the public and by contacting other policyholders. Once you choose an insurance entity, it is difficult to switch to the new company as all the previously diagnosed health conditions will be considered pre-existing conditions. It will make you ineligible for already diagnosed health issues. Therefore, it is better to conduct complete research about the service standard and reliability of the company before signing an insurance deed.

Compare Policy Features

Policy features may vary across different entities. It is recommended to understand and inquire about the services you are eligible for after buying insurance coverage. You should compare services offered by different pet insurance companies in your area to decide the best dog insurance policy for your dog.

Compare Prices

Price comparison helps to choose an insurance that is budget-friendly. However, don’t compromise on quality by just focusing on price. The best way is to select a policy that meets the needs of your dog and then compare prices for insurance policies which offer similar services.

Frequently Asked Questions

How frequently do Bullmastiffs need vet visits?

It mainly depends on the health of your Bullmastiffs. Frequent vet visits help to detect health issues earlier and, therefore aid in timely treatment before the illness gets worse. A routine checkup is necessary to monitor the growth and development.

How compatible are Bullmastiffs with other pets?

Bullmastiffs are compatible with other pets at home if they were socialized properly during earlier years of their life. It is a bit challenging to introduce cats to Bullmastiffs as they have strong predatory impulses. Being territorial animals, this breed is not much interested in living with other dogs of the same gender. However, these behavioural issues can be resolved by proper socialisation training.

What are the ongoing costs for Bullmastiffs?

Some of the ongoing costs you might need to pay after bringing Bullmastiffs home include food, preventive healthcare expenses, pet insurance premiums, and accessories ( like poo bags, grooming needs, toys, etc.).

How to claim insurance for Bullmastiffs?

To claim medical bills from an insurance entity, you need to contact them via their apps, websites or emails. You need to provide proof of medical expenses to claim reimbursement. However, the insurance claim process may differ across different insurance entities, as some allow authorised vet clinics to get free treatment for your pet.

What is the best time to buy insurance for Bullmastiffs?

You can buy dog insurance for Bullmastiffs as soon as they are 8 weeks older. It is the best time to buy insurance as the probability of health risk is lower at this age and there are no pre-existing conditions. Buying an insurance policy for your dogs at a later age is difficult and way more expensive than puppy insurance.

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