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Cost of Pet Insurance for Different Dog Breeds

The cost of pet insurance sometimes depends on the breed of dog.  Some may be more active than others, some larger and more risky, and some have more health risks depending on the lineage and due to excessive breeding.

The Cavalier King Charles stands in the middle of large and small breeds, but often the highest of all spaniel breeds. There are several factors that contribute to the higher premium.  Here is a list of breeds and where the cavalier stands compared to other breeds. top10petinsurance.com.au/pet-insurance-prices

Higher Risk Factors

Higher risk factors may include the following:

Mitral Valve Disease – the main health problem

Cavalier King Charles has serious problems with Mitral Valve Disease (MVD) – a common heart disease. It is known that half of all Cavaliers will develop this disease in the first five years, and, according to different statistics, 99% of all Cavaliers suffer from MVD at the age of 10.
The Mitral Valve Disease is a progressive disease and the rate of progression can vary from dog to dog. If you have a Cavalier King Charles dog, you must go from time to time, at least one time a year, to a veterinary surgeon – this procedure can prolong life considerably.

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Syringomyelia – a disease that cannot be cured

Lately, the Cavaliers have to face another severe disease – syringomyelia. This disease appears when a Cavalier puppy doesn’t have enough room in his skull for his brain. The symptoms of this disease are very odd: most of dogs tend to scratch their shoulder when excited. Unfortunately, there is no cure for this disease. However, if you have a Cavalier puppy with syringomyelia you can try to reduce his pain with acupuncture or anti-inflammatory drugs.

Luxating patella – a common orthopedic disease

Luxating patella, or loose knees, are the most common orthopedic health problem in Cavalier King Charles. According to the Orthopedic Foundation of America, more than 10% of all Cavalier dogs suffer from loose knees or dysplasia. This is a very high percent for a small dog breed.

Other diseases

Cavaliers are also prone to different eye diseases like corneal ulcers, cataracts and progressive retinal dysplasia. Ear infections are also very common, due to Cavalier’s long coat. When you’re choosing a puppy, try to avoid those who have a lot of white on their head – they are prone to deafness. Diabetes, hernias and hypothyroidism are other diseases that can appear to a Cavalier, but this diseases are not so frequent as Mitral Valve Disease or Syringomyelia.

Insurance and preventative healthcare is important!

When owning a pet, do your research on common illness and disease associated with your pet.  If your pet is at risk, look for insurance that will cover your pet’s medical coverage.

Due to unfortunate diseases common to the Cavalier King Charles breed (mitral valve disease, syringomyelia, luxating patella, etc.) in our opinion, the smart thing to do is to have peace of mind and to always have Cavalier King Charles Spaniel Pet Insurance.  A monthly insurance premium between $20-$60 (AUS 26-80$) – (depending on the age of the animal and different coverages) helps to cover expensive bet bills down the road.  It often also helps cover the majority cost of routine veterinarian care.

In the end, would you drive without automobile insurance or go without health insurance for yourself?  Is your wallet protected from unexpected circumstances?  As pets are family members for most of us, we value them as much as we value our own lives and insurance gives ultimate peace of mind.

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