Scottish Terrier insurance in Wisconsin: cost and what to look for
Has the highest documented risk of bladder cancer of any breed studied, alongside a hereditary bleeding disorder.
- $41–$68/mo est.Typical monthly premium in Wisconsin (2 yrs, 80%, $250 deductible)
- $624/yr est.Estimated yearly cost at the midpoint
- 5Breed-linked conditions to check coverage for
Which insurer fits a Scottish Terrier? See our top picks by priority →
Insurers for a Scottish Terrier in Wisconsin
Estimated monthly price for a 2-year-old at 80% reimbursement and a $250 deductible. These are BreedSure estimates, not quotes from the insurers; each insurer sets its own price.
Odie
Lowest est.14-day illness wait Limits $10,000 or $40,000 Exam fees extra Deductibles $250 or $500
$46/mo est.Plan details for OdieLemonade
14-day illness wait Limits $5,000 to $100,000 Exam fees extra Deductibles $100 / $250 / $500 / $750
$48/mo est.Plan details for LemonadePets Best
14-day illness wait Limits $5,000 to unlimited Exam fees included Deductibles $100 to $1,000
$49/mo est.Plan details for Pets BestEmbrace
14-day illness wait Limits $2,000 to unlimited Exam fees extra Deductibles $200 to $1,000
$52/mo est.Plan details for EmbraceSpot
14-day illness wait Limits $2,500 to unlimited Exam fees included Deductibles $100 to $1,000
$53/mo est.Plan details for Spot
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Fetch
15-day illness wait Limits $5,000 to $15,000 Exam fees included Deductibles $250 to $2,500
$55/mo est.Plan details for FetchHealthy Paws
15-day illness wait Limits $5,000, $7,000 or unlimited Exam fees extra Deductibles $100 to $1,000
$57/mo est.Plan details for Healthy PawsTrupanion
30-day illness wait Limits Unlimited Exam fees extra Deductibles $0 to $1,000 per condition
$65/mo est.Plan details for Trupanion
Estimates updated Sep 2026 · How we estimate
Waiting period. How long after the policy starts before accidents, and then illnesses, are covered. Anything that begins during the wait is excluded. More in the glossaryAnnual limit. The most the policy pays in one policy year. "Unlimited" means there is no yearly cap. More in the glossaryExam fees. The vet's charge for the visit itself, usually $50 to $150, separate from tests and treatment. Some insurers include it; others sell it as an add-on. More in the glossaryDeductible. What you pay yourself before the insurer starts paying. Most reset every policy year; some insurers charge it once per condition. More in the glossaryWhat Scottish Terrier owners claim for
- $3,000–$10,000[2]
- Allergic skin disease[3]commonChronic itching and infections managed with medication, diet and periodic vet visits.$300–$1,500[4]
- Patellar luxation[5]occasionalDislocating kneecap, common in small breeds; surgical correction in moderate to severe cases.$1,500–$3,000[6]
- $300–$2,000
- $290–$750[7]
What a Scottish Terrier costs to insure by age in Wisconsin
Insured as a puppy, a Scottish Terrier costs about 44% less per month than one enrolled at 8 (modeled). Conditions diagnosed before enrollment are excluded as pre-existing.
Low, typical and high estimates by age
| Age | Low | Typical | High |
|---|---|---|---|
| Puppy (under 1) | $37/mo est. | $47/mo est. | $61/mo est. |
| 2 years | $41/mo est. | $52/mo est. | $68/mo est. |
| 5 years | $49/mo est. | $63/mo est. | $81/mo est. |
| 8 years | $65/mo est. | $83/mo est. | $109/mo est. |
| 11 years | $90/mo est. | $115/mo est. | $149/mo est. |
Pet insurance in Wisconsin
Wisconsin Office of the Commissioner of Insurance handles insurance complaints and consumer questions in Wisconsin, including about pet insurance.
The average routine vet visit for a dog in Wisconsin costs about $66.
Source: CareCredit
The University of Wisconsin–Madison School of Veterinary Medicine operates UW Veterinary Care, its AVMA-accredited teaching hospital, which offers 24/7 emergency and critical care and houses 23 specialties.
Source: UW Veterinary Care
Scottish Terrier insurance in other states
Questions people ask about insuring a Scottish Terrier
How much does pet insurance cost for a Scottish Terrier?
About $41 to $68 a month in Wisconsin for a 2-year-old at 80% reimbursement and a $250 deductible, in our model. Older dogs, lower deductibles and higher reimbursement cost more; each insurer sets its own price. How we estimate.
Does pet insurance cover Scottish Terrier health problems like cancer?
Yes, as long as they are not pre-existing. Accident-and-illness plans cover hereditary and congenital conditions, including the ones Scottish Terriers are known for: cancer, allergic skin disease and patellar luxation. All 8 insurers we compare cover hereditary conditions.
At what age should I insure a Scottish Terrier?
As young as you can. A puppy has no pre-existing conditions yet, and premiums rise with age: in our model about $52 a month at 2 years and $83 at 8. When to insure, by age.
Is pet insurance worth it for a Scottish Terrier?
For breeds with known expensive conditions, it usually is if you enroll young and keep the policy. One cancer bill can run $3,000 to $10,000, several years of premiums. The full math.
Why is the estimate different in Wisconsin?
Our model scales premiums by a state index built from each state's published average dog insurance premium. Insurers set their own prices, so this is an estimate, not a quote.
Questions owners of Scottish Terriers ask
Sources
- Canine Urinary Bladder Cancer Research. Purdue University College of Veterinary Medicine.
- Dog Chemotherapy Cost: How Much Is Dog Cancer Treatment?. Embrace Pet Insurance, 2025.
- Case study on Canine Atopic Dermatitis from a medico-legal viewpoint: A takeaway of knowledge for practicing veterinary clinicians. Open Veterinary Journal, 2022.
- Allergies in Dogs: What You Need to Know. MetLife Pet Insurance.
- Terrier Group Health Testing Requirements. American Kennel Club.
- Patellar Luxation in Dogs. Embrace Pet Insurance, 2021.
- Hypothyroidism. Embrace Pet Insurance, 2021.
How we choose and check sources: Sources we use.
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