AKC is the best pet insurance company for American Staffordshire Terriers due to its comprehensive coverage options and strong customer satisfaction ratings. Other top providers are Lemonade, Rainwalk and Pets Best.
American Staffordshire Terrier Insurance
Updated: September 4, 2025
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Key Takeaways
AKC is the best pet insurance company for American Staffordshire Terriers, offering strong coverage and service quality.
Lemonade provides the cheapest pet insurance rates for American Staffordshire Terriers, with average rates of around $46 monthly for standard protection.
American Staffordshire Terriers cost $137 per month on average to insure, making them the 41st most expensive dog breed for pet insurance coverage.
Best American Staffordshire Terrier Pet Insurance Companies
| AKC | 4.15 | $69 | 3 | 1 |
| Lemonade | 4.10 | $46 | 3 | 6 |
| Rainwalk | 4.05 | $68 | 1 | 4 |
| Pets Best | 4.05 | $52 | 5 | 2 |
| Spot | 3.75 | $67 | 2 | 8 |
*Pet insurance coverage varies by state and provider. Rates shown are estimates; actual costs vary based on your pet's age, health and location. Coverage exclusions and waiting periods apply. Consult individual providers for specific terms.
AKC
Best for American Staffordshire Terriers
MoneyGeek Rating
4.2/ of 5
3.6/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$69Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best American Staffordshire Terrier Pet Insurance by State
AKC ranks as the top pet insurance provider for American Staffordshire Terriers in 43 states nationwide. Lemonade follows as the second-best option, leading in 17 states including Arizona, Virginia and Wisconsin.
| Alabama | Rainwalk | 4.15 |
| Alaska | AKC | 4.15 |
| Arizona | AKC | 4.10 |
| Arizona | Lemonade | 4.10 |
| Arkansas | AKC | 4.25 |
| California | AKC | 4.15 |
| Colorado | AKC | 4.15 |
| Connecticut | AKC | 4.15 |
| Delaware | AKC | 4.10 |
| Delaware | Lemonade | 4.10 |
| Florida | AKC | 4.20 |
| Georgia | AKC | 4.10 |
| Georgia | Lemonade | 4.10 |
| Hawaii | AKC | 4.15 |
| Idaho | AKC | 4.10 |
| Idaho | Rainwalk | 4.10 |
| Idaho | Lemonade | 4.10 |
| Illinois | Rainwalk | 4.20 |
| Indiana | AKC | 4.20 |
| Iowa | AKC | 4.10 |
| Iowa | Lemonade | 4.10 |
| Kansas | Rainwalk | 4.15 |
| Kentucky | AKC | 4.20 |
| Louisiana | AKC | 4.10 |
| Louisiana | Lemonade | 4.10 |
| Maine | AKC | 4.10 |
| Maine | Rainwalk | 4.10 |
| Maine | Lemonade | 4.10 |
| Maryland | Lemonade | 4.10 |
| Maryland | AKC | 4.10 |
| Massachusetts | Rainwalk | 4.10 |
| Massachusetts | Lemonade | 4.10 |
| Massachusetts | AKC | 4.10 |
| Michigan | Lemonade | 4.10 |
| Michigan | Rainwalk | 4.10 |
| Minnesota | AKC | 4.10 |
| Minnesota | Rainwalk | 4.10 |
| Minnesota | Lemonade | 4.10 |
| Mississippi | AKC | 4.15 |
| Missouri | AKC | 4.15 |
| Montana | AKC | 4.15 |
| Nebraska | AKC | 4.15 |
| Nevada | AKC | 4.15 |
| New Hampshire | AKC | 4.15 |
| New Jersey | Lemonade | 4.10 |
| New Jersey | AKC | 4.10 |
| New Mexico | AKC | 4.25 |
| New York | AKC | 4.15 |
| North Carolina | AKC | 4.10 |
| North Carolina | Lemonade | 4.10 |
| North Dakota | AKC | 4.25 |
| Ohio | AKC | 4.10 |
| Ohio | Lemonade | 4.10 |
| Oklahoma | AKC | 4.25 |
| Oregon | AKC | 4.15 |
| Pennsylvania | AKC | 4.15 |
| Rhode Island | AKC | 4.20 |
| South Carolina | AKC | 4.15 |
| South Carolina | Rainwalk | 4.15 |
| South Dakota | AKC | 4.20 |
| Tennessee | AKC | 4.15 |
| Texas | AKC | 4.15 |
| Utah | Rainwalk | 4.10 |
| Utah | Lemonade | 4.10 |
| Vermont | AKC | 4.15 |
| Virginia | Rainwalk | 4.10 |
| Virginia | Lemonade | 4.10 |
| Washington | AKC | 4.30 |
| West Virginia | AKC | 4.15 |
| Wisconsin | Lemonade | 4.10 |
| Wyoming | AKC | 4.20 |
*Rates are based on a 6-year-old American Staffordshire Terrier with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Cheapest American Staffordshire Terrier Pet Insurance Companies
Lemonade provides the lowest-priced pet insurance for American Staffordshire Terriers at $46 per month or $550 per year. Other budget-friendly options include Pets Best, Pumpkin, ASPCA and Figo.
| Lemonade | $46 | $550 | 16% |
| Pets Best | $52 | $617 | 6% |
| Pumpkin | $53 | $635 | 3% |
| ASPCA | $57 | $681 | 4% |
| Figo | $60 | $721 | 10% |
*Rates are based on a 6-year-old American Staffordshire Terrier with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Lemonade
Cheapest Pet Insurance for American Staffordshire Terriers
MoneyGeek Rating
4.1/ of 5
4.2/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$46Overall Customer Sentiment
65% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical Therapy For New Accidents and Illness
Cheapest American Staffordshire Terrier Pet Insurance by State
Lemonade ranks as the most affordable pet insurance provider for American Staffordshire Terriers, offering the lowest rates in 50 states. Monthly premiums range from $31 to $59, depending on location.
| Alabama | Lemonade | $34 | 20% |
| Alaska | Lemonade | $45 | 18% |
| Arizona | Lemonade | $56 | 14% |
| Arkansas | Lemonade | $31 | 20% |
| California | Lemonade | $58 | 11% |
| Colorado | Lemonade | $58 | 15% |
| Connecticut | Lemonade | $52 | 15% |
| Delaware | Lemonade | $46 | 17% |
| Florida | Lemonade | $52 | 16% |
| Georgia | Lemonade | $41 | 15% |
| Hawaii | Lemonade | $46 | 18% |
| Idaho | Lemonade | $46 | 15% |
| Illinois | Lemonade | $57 | 13% |
| Indiana | Lemonade | $41 | 15% |
| Iowa | Lemonade | $39 | 18% |
| Kansas | Lemonade | $42 | 17% |
| Kentucky | Lemonade | $36 | 20% |
| Louisiana | Lemonade | $37 | 19% |
| Maine | Lemonade | $56 | 16% |
| Maryland | Lemonade | $45 | 23% |
| Massachusetts | Lemonade | $59 | 14% |
| Michigan | Lemonade | $46 | 16% |
| Minnesota | Lemonade | $48 | 15% |
| Mississippi | Lemonade | $39 | 18% |
| Missouri | Lemonade | $36 | 18% |
| Montana | Lemonade | $38 | 18% |
| Nebraska | Lemonade | $41 | 17% |
| Nevada | Lemonade | $48 | 15% |
| New Hampshire | Lemonade | $53 | 14% |
| New Jersey | Lemonade | $52 | 14% |
| New Mexico | Lemonade | $40 | 18% |
| New York | Lemonade | $50 | 15% |
| North Carolina | Lemonade | $41 | 19% |
| North Dakota | Lemonade | $35 | 18% |
| Ohio | Lemonade | $42 | 18% |
| Oklahoma | Lemonade | $38 | 18% |
| Oregon | Lemonade | $57 | 14% |
| Pennsylvania | Lemonade | $48 | 17% |
| Rhode Island | Lemonade | $40 | 17% |
| South Carolina | Lemonade | $44 | 15% |
| South Dakota | Lemonade | $41 | 19% |
| Tennessee | Lemonade | $42 | 16% |
| Texas | Lemonade | $49 | 14% |
| Utah | Lemonade | $44 | 17% |
| Vermont | Lemonade | $43 | 17% |
| Virginia | Lemonade | $49 | 18% |
| Washington | Lemonade | $53 | 19% |
| West Virginia | Lemonade | $40 | 16% |
| Wisconsin | Lemonade | $49 | 18% |
| Wyoming | Lemonade | $42 | 16% |
*Rates are based on a 6-year-old American Staffordshire Terrier with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
How Much Does American Staffordshire Terrier Insurance Cost?
Monthly pet insurance for American Staffordshire Terriers ranges from $93 to $178 depending on your state, ranking as the 41st most expensive breed to insure nationwide. Your actual premium will vary based on coverage options and your pet's specific needs.
| Alabama | $103 | $1,243 | -24% |
| Alaska | $135 | $1,627 | -1% |
| Arizona | $163 | $1,964 | 19% |
| Arkansas | $93 | $1,117 | -32% |
| California | $170 | $2,041 | 24% |
| Colorado | $172 | $2,063 | 25% |
| Connecticut | $157 | $1,883 | 14% |
| Delaware | $139 | $1,669 | 1% |
| Florida | $156 | $1,875 | 14% |
| Georgia | $122 | $1,465 | -11% |
| Hawaii | $140 | $1,684 | 2% |
| Idaho | $137 | $1,644 | -0% |
| Illinois | $168 | $2,017 | 23% |
| Indiana | $124 | $1,487 | -10% |
| Iowa | $114 | $1,365 | -17% |
| Kansas | $125 | $1,498 | -9% |
| Kentucky | $110 | $1,319 | -20% |
| Louisiana | $111 | $1,332 | -19% |
| Maine | $165 | $1,988 | 21% |
| Maryland | $143 | $1,721 | 5% |
| Massachusetts | $178 | $2,136 | 30% |
| Michigan | $138 | $1,658 | 1% |
| Minnesota | $140 | $1,688 | 3% |
| Mississippi | $118 | $1,419 | -14% |
| Missouri | $109 | $1,305 | -21% |
| Montana | $116 | $1,399 | -15% |
| Nebraska | $123 | $1,478 | -10% |
| Nevada | $140 | $1,679 | 2% |
| New Hampshire | $157 | $1,892 | 15% |
| New Jersey | $153 | $1,843 | 12% |
| New Mexico | $121 | $1,451 | -12% |
| New York | $150 | $1,802 | 9% |
| North Carolina | $124 | $1,492 | -9% |
| North Dakota | $106 | $1,272 | -23% |
| Ohio | $128 | $1,534 | -7% |
| Oklahoma | $115 | $1,380 | -16% |
| Oregon | $170 | $2,046 | 24% |
| Pennsylvania | $144 | $1,731 | 5% |
| Rhode Island | $121 | $1,456 | -12% |
| South Carolina | $132 | $1,582 | -4% |
| South Dakota | $123 | $1,478 | -10% |
| Tennessee | $126 | $1,518 | -8% |
| Texas | $141 | $1,699 | 3% |
| Utah | $133 | $1,598 | -3% |
| Vermont | $128 | $1,534 | -7% |
| Virginia | $150 | $1,799 | 9% |
| Washington | $159 | $1,906 | 16% |
| West Virginia | $118 | $1,414 | -14% |
| Wisconsin | $148 | $1,777 | 8% |
| Wyoming | $126 | $1,515 | -8% |
*The rates include all coverage selections on the market for a 6-year-old American Staffordshire Terrier. Your rates will differ based on your pet's specific profile and location.
What Factors Affect American Staffordshire Terrier Insurance Costs?
American Staffordshire Terriers rank 41st in pet insurance costs, with an average monthly premium of $137. Higher rates are due to breed-specific health and liability factors, but pet owners can find affordable coverage through comparing providers.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
American Staffordshire Terriers face breed-specific health challenges that insurers classify as high-risk conditions. Hip dysplasia requires costly surgical intervention in this breed. American Staffordshire Terriers also develop cardiac issues, skin allergies and thyroid problems that increase veterinary expenses and insurance premiums.
Size-Related Factors
Potential Vet Cost Increase: 40% to 60% higher vet costs
As medium to large dogs weighing 40 to 70 pounds, American Staffordshire Terriers require larger medication doses and more anesthesia during procedures. Their muscular build means surgeries often need specialized equipment and techniques. Recovery from procedures typically requires more support, including specialized mobility aids and larger medical supplies, which increases overall treatment costs.
Lifespan Considerations
Annual Vet Costs By Age: $300 to $700 (Young) to $2,000 to $5,000 (Senior)
American Staffordshire Terriers weigh 40 to 70 pounds, requiring larger medication doses and more anesthesia during procedures. Their muscular build means surgeries need specialized equipment and techniques. Recovery requires mobility aids and larger medical supplies, increasing treatment costs.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
American Staffordshire Terriers live 12 to 16 years, average for their size. Senior years bring increased veterinary visits, extensive diagnostic testing and management of age-related conditions like arthritis and organ dysfunction, raising annual medical expenses substantially.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Poor breeding practices have increased genetic health issues in American Staffordshire Terriers. Insurers consider this breed's genetic history when determining coverage terms. Selecting puppies from health-tested parents with proper breeding documentation reduces future medical expenses and improves insurance eligibility.
Consider your pet's specific health history and risk factors when selecting coverage levels and deductibles. Consult your veterinarian to identify which health risks matter most for your American Staffordshire Terrier's insurance planning.
INSURANCE RISK PREVENTION
Protect your American Staffordshire Terrier's health through preventive care and lifestyle management. Keep your dog at a healthy weight with measured portions and daily exercise. Choose breeders who test for hip dysplasia and thyroid issues. Schedule regular vet checkups to catch problems early. Maintain skin health with proper grooming and watch for allergic reactions to environmental triggers.
How to Get the Best Cheap American Staffordshire Terrier Pet Insurance
While American Staffordshire Terrier insurance costs more than coverage for other breeds, smart comparison shopping helps you find affordable options.
- 1
Understand Your Coverage Needs
American Staffordshire Terriers have specific health considerations that affect insurance costs. Review pet insurance coverage options and consider common breed issues like hip dysplasia and skin conditions when choosing your plan.
- 2
Compare Insurance Providers
Get quotes from at least three different pet insurance companies that accept American Staffordshire Terriers. Look for providers with positive customer reviews and clear policies about covering breed-specific conditions.
- 3
Review Policy Details
Check waiting periods and exclusions carefully before signing up. Many providers have specific rules about pre-existing conditions and breed-related health issues.
- 4
Get Multiple Online Quotes
Use online quote tools to compare prices quickly. Rates can vary by hundreds of dollars between providers for the same coverage level.
- 5
Review Annual Coverage
Check your policy terms each year before renewal. Your dog's age and health needs change, so comparing new quotes annually helps ensure you maintain the best rate.
American Staffordshire Terrier Dog Insurance: Bottom Line
AKC is the best pet insurance provider for American Staffordshire Terriers, while Lemonade offers the lowest monthly premiums. Compare both providers and other trusted options to find coverage that matches your pet's health needs and budget. The right policy provides peace of mind and ensures quality veterinary care when health issues arise.
Pet Insurance for American Staffordshire Terrier: FAQ
Our insurance experts answer your top questions about American Staffordshire Terrier coverage.
What is the best pet insurance provider for American Staffordshire Terriers overall?
AKC stands out as the premier pet insurance provider for American Staffordshire Terriers, offering comprehensive coverage and exceptional customer service. Though premiums run higher than average, the extensive benefits and reliable protection justify the investment.
Who offers the cheapest pet insurance for American Staffordshire Terriers?
Lemonade provides the most affordable pet insurance for American Staffordshire Terriers, with monthly premiums starting at $46 for standard coverage. Actual rates will vary based on your location and pet's specific circumstances.
How much does American Staffordshire Terrier insurance cost?
American Staffordshire Terriers rank as the 41st most expensive breed to insure, with average premiums of $137 per month. Monthly insurance costs vary significantly by location, ranging from $93 to $178.
What are the most common accident and illness risks for American Staffordshire Terriers?
American Staffordshire Terriers commonly face hip dysplasia (causing joint pain and limited mobility), hereditary heart disease (affecting cardiac function and energy levels), and skin allergies (leading to itching and infections). These health challenges are largely connected to the breed's muscular build and genetic predisposition.
How We Found the Best and Cheapest American Staffordshire Terrier Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for American Staffordshire Terriers. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for American Staffordshire Terriers.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old American Staffordshire Terrier
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs provided were based on aggregated pricing for the breed for all coverage selections and all ages insured on the market within reasonable life expectancy limits.
How We Rated Each Provider
We analyzed online sources for comprehensive ratings based on the following basic metrics:
- Affordability (50% of score): This score aggregates ratings based on the relative affordability compared to competition for all profiles and all factor combinations. We also factored in discounts as a minor component to the rating, as there's only slight variation between companies.
- Customer Experience (30% of score): We used ratings derived from a general sentiment rating aggregated from all internet sources, determining positive, neutral and negative sentiment proportions for each company to get this score. More positive sentiment means a higher rating.
- Coverage (20% of score): We read all contract details for every provider in every state, considering add-on options, inclusions, exclusions and restrictions to derive this score. Pet insurance regulations vary widely by state, and coverage options may differ based on your location.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.