small Non-Sporting 6/10 — Moderate Risk
Boston Terrier
Monthly $25–$50
Risk Score 6/10
Size small
FriendlyBrightAmusingGentle
Boston Terrier at a Glance
Breed Characteristics
Lifespan
11–13 years
Weight
12–25 lbs
Height
15–17 inches
Exercise Needs
moderate
Grooming Needs
low
Trainability
high
Good with Kids
Yes
Good with Other Dogs
Yes
Apartment Friendly
Yes
Health Risks & Common Conditions
6 /10
Boston Terrier Health Risk Score
Brachycephalic Airway Syndrome
HighShort snout causes breathing difficulty, though less severe than in French Bulldogs and Pugs.
Avg. Treatment: $3,500
Cataracts
HighHereditary cataracts are very common in Boston Terriers and can develop at a young age.
Avg. Treatment: $3,500
Patellar Luxation
ModerateKneecap dislocation that may cause intermittent lameness.
Avg. Treatment: $3,000
Cherry Eye
ModerateProlapse of the third eyelid gland requiring surgical correction.
Avg. Treatment: $1,500
Recommended Genetic Tests
- Ophthalmologist Evaluation
- Patella Evaluation
- BAER Testing
Insurance Costs for Boston Terrier
Monthly Cost
$25–$50
Avg. Annual Claim
$900
Claim Frequency
average
Suggested Deductible
$500
Coverage Highlights
Eye condition coverage is essential (cataracts, cherry eye) Brachycephalic airway surgery coverage Orthopedic coverage for patellar luxation
Insurance Provider Comparison
Compare coverage, costs, and ratings from top pet insurance providers
Best Overall
L
Lemonade
Monthly Premium
$20 - $80
Deductible $100, $250, $500
Reimbursement 70%, 80%, 90%
Hereditary Coverage
Covered
- Fast claims processing via app
- Customizable coverage plans
- Affordable base premiums
- Preventive care add-on available
- No exam fee coverage on base plan
- Limited availability in some states
- Newer company with less track record
Highest Rated
H
Healthy Paws
Monthly Premium
$25 - $90
Deductible $100, $250, $500, $750
Reimbursement 70%, 80%, 90%
Hereditary Coverage
Covered
- Unlimited annual and lifetime benefits
- No caps on claim payouts
- Fast claim processing (2-3 days average)
- Covers hereditary and congenital conditions
- No routine or preventive care coverage
- No dental coverage
- Longer waiting period for accidents than competitors
Best for Comprehensive Coverage
E
Embrace
Monthly Premium
$25 - $85
Deductible $200, $300, $500, $750, $1000
Reimbursement 70%, 80%, 90%
Hereditary Coverage
Covered
- Diminishing deductible (decreases $50/year with no claims)
- Covers exam fees
- Dental illness coverage included
- Wellness Rewards add-on for routine care
- Annual limits (no unlimited option)
- Premiums can increase with age
- Orthopedic conditions have 6-month waiting period
Best for Exotic Pets
N
Nationwide
Monthly Premium
$30 - $100
Deductible $250, $500, $750
Reimbursement 50%, 70%, 90%
Hereditary Coverage
Covered
- Whole Pet plan covers wellness and illness
- Only major insurer covering exotic pets
- Employer-sponsored plans available
- Long-established company since 1982
- Higher premiums than competitors
- Slower claims processing
- Benefit schedule plans pay less than expected
- 14-day waiting period for accidents
Best for Large Breeds
T
Trupanion
Monthly Premium
$30 - $120
Deductible $0, $100, $200, $500, $1000
Reimbursement 90%
Hereditary Coverage
Covered
- 90% reimbursement on all plans
- No payout limits per incident or lifetime
- Direct vet payment option at many clinics
- Covers hereditary and congenital conditions from day one
- Only 90% reimbursement option (no 70% or 80%)
- No wellness or routine care coverage
- 30-day waiting period for illnesses
- Higher premiums overall
Best Value
P
Pets Best
Monthly Premium
$18 - $75
Deductible $50, $100, $200, $250, $500
Reimbursement 70%, 80%, 90%
Hereditary Coverage
Covered
- Very affordable base premiums
- Low deductible options starting at $50
- Fast claims processing (5 days average)
- BestWellness plan for routine care add-on
- No dental coverage
- Customer service can be slow
- Lower annual limits on budget plans
- Premium increases with age can be significant
Protect Your Boston Terrier Today
With a moderate health risk profile, having the right insurance plan can save you thousands in unexpected vet bills.
Without Insurance
$2,100 /year estimated
- Full cost of emergencies out of pocket
- Difficult financial decisions during crises
- Unpredictable veterinary expenses
Recommended
With Insurance
$600 /year estimated
- Up to 90% of vet bills covered
- Peace of mind for emergencies
- Predictable monthly expenses
Get Your Free Quote
Plans from as low as $25/month
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Frequently Asked Questions About Boston Terrier Insurance
Pet insurance for a Boston Terrier typically costs $25-$50 per month. They have moderate health risks, primarily around their eyes and breathing.
Yes, Boston Terriers are very prone to hereditary cataracts, cherry eye, and corneal ulcers. Cataract surgery costs $2,500-$5,000, making eye coverage essential.
A comprehensive plan covering hereditary conditions, eye problems, and brachycephalic airway issues is ideal. Look for plans from Healthy Paws, Embrace, or Trupanion that cover these conditions.
