Based on MoneyGeek's analysis, AKC ranks as the best pet insurance provider for Boston Terriers, thanks to its strong customer service ratings and comprehensive coverage options. Other top-rated providers worth considering include Rainwalk, Lemonade and Pets Best.
Boston Terrier Insurance
Updated: September 2, 2025
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Key Takeaways
AKC is the best pet insurance company for Boston Terriers, offering comprehensive coverage and reliable service.
Lemonade offers the cheapest pet insurance rates for Boston Terriers, with average rates of around $32 monthly for standard protection.
Boston Terrier insurance costs an average of $98 per month, making them the 120th most expensive dog breed to insure.
Best Boston Terrier Pet Insurance Companies
| AKC | 4.40 | $49 | 3 | 1 |
| Rainwalk | 4.30 | $48 | 1 | 4 |
| Lemonade | 4.25 | $32 | 3 | 6 |
| Pets Best | 4.25 | $34 | 5 | 2 |
| Spot | 4.00 | $48 | 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 Boston Terriers
MoneyGeek Rating
4.4/ 5
4.1/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$49Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Boston Terrier Pet Insurance by State
AKC ranks as the top Boston Terrier insurance provider in 49 states nationwide. Rainwalk leads in 11 states, including Illinois, Michigan and Virginia.
| Alabama | AKC | 4.35 |
| Alabama | Rainwalk | 4.35 |
| Alaska | AKC | 4.40 |
| Arizona | AKC | 4.40 |
| Arkansas | AKC | 4.45 |
| California | AKC | 4.40 |
| Colorado | AKC | 4.40 |
| Connecticut | AKC | 4.40 |
| Delaware | AKC | 4.35 |
| Florida | AKC | 4.40 |
| Georgia | AKC | 4.35 |
| Hawaii | AKC | 4.40 |
| Idaho | AKC | 4.35 |
| Idaho | Rainwalk | 4.35 |
| Illinois | Rainwalk | 4.40 |
| Illinois | AKC | 4.40 |
| Indiana | AKC | 4.45 |
| Iowa | AKC | 4.35 |
| Kansas | AKC | 4.35 |
| Kansas | Rainwalk | 4.35 |
| Kentucky | AKC | 4.45 |
| Louisiana | AKC | 4.35 |
| Maine | AKC | 4.35 |
| Maine | Rainwalk | 4.35 |
| Maryland | AKC | 4.35 |
| Massachusetts | AKC | 4.35 |
| Massachusetts | Rainwalk | 4.35 |
| Michigan | Rainwalk | 4.35 |
| Minnesota | AKC | 4.35 |
| Minnesota | Rainwalk | 4.35 |
| Mississippi | AKC | 4.40 |
| Missouri | AKC | 4.40 |
| Montana | AKC | 4.40 |
| Nebraska | AKC | 4.40 |
| Nevada | AKC | 4.40 |
| New Hampshire | AKC | 4.40 |
| New Jersey | AKC | 4.35 |
| New Mexico | AKC | 4.45 |
| New York | AKC | 4.40 |
| North Carolina | AKC | 4.40 |
| North Dakota | AKC | 4.45 |
| Ohio | AKC | 4.35 |
| Oklahoma | AKC | 4.45 |
| Oregon | AKC | 4.40 |
| Pennsylvania | AKC | 4.40 |
| Rhode Island | AKC | 4.40 |
| South Carolina | AKC | 4.40 |
| South Carolina | Rainwalk | 4.40 |
| South Dakota | AKC | 4.45 |
| Tennessee | AKC | 4.40 |
| Texas | AKC | 4.40 |
| Utah | Rainwalk | 4.35 |
| Utah | AKC | 4.35 |
| Vermont | AKC | 4.40 |
| Virginia | Rainwalk | 4.35 |
| Virginia | AKC | 4.35 |
| Washington | AKC | 4.50 |
| West Virginia | AKC | 4.40 |
| Wisconsin | AKC | 4.35 |
| Wyoming | AKC | 4.40 |
*Rates are based on a 6-year-old Boston 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 Boston Terrier Pet Insurance Companies
Lemonade provides the most affordable pet insurance for Boston Terriers at $32 per month or $381 per year. Other budget-friendly options include Pets Best, Pumpkin, ASPCA and Figo.
| Lemonade | $32 | $381 | 42% |
| Pets Best | $34 | $419 | 36% |
| Pumpkin | $39 | $464 | 29% |
| ASPCA | $41 | $489 | 26% |
| Figo | $43 | $510 | 22% |
*Rates are based on a 6-year-old Boston 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 Boston Terriers
MoneyGeek Rating
4.3/ 5
4.6/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$32Overall Customer Sentiment
65% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical Therapy For New Accidents and Illness
Cheapest Boston Terrier Pet Insurance by State
Lemonade leads as the most affordable pet insurance provider for Boston Terriers, ranking cheapest in 50 states. Monthly premiums range from $21 to $41, depending on your location.
| Alabama | Lemonade | $23 | 45% |
| Alaska | Lemonade | $31 | 43% |
| Arizona | Lemonade | $39 | 40% |
| Arkansas | Lemonade | $21 | 45% |
| California | Lemonade | $40 | 38% |
| Colorado | Lemonade | $40 | 41% |
| Connecticut | Lemonade | $36 | 41% |
| Delaware | Lemonade | $32 | 43% |
| Florida | Lemonade | $36 | 42% |
| Georgia | Lemonade | $29 | 41% |
| Hawaii | Lemonade | $32 | 43% |
| Idaho | Lemonade | $32 | 41% |
| Illinois | Lemonade | $39 | 40% |
| Indiana | Lemonade | $29 | 41% |
| Iowa | Lemonade | $27 | 43% |
| Kansas | Lemonade | $29 | 42% |
| Kentucky | Lemonade | $25 | 45% |
| Louisiana | Lemonade | $26 | 44% |
| Maine | Lemonade | $39 | 42% |
| Maryland | Lemonade | $31 | 47% |
| Massachusetts | Lemonade | $41 | 41% |
| Michigan | Lemonade | $32 | 42% |
| Minnesota | Lemonade | $33 | 41% |
| Mississippi | Lemonade | $27 | 43% |
| Missouri | Lemonade | $25 | 43% |
| Montana | Lemonade | $27 | 43% |
| Nebraska | Lemonade | $29 | 42% |
| Nevada | Lemonade | $33 | 41% |
| New Hampshire | Lemonade | $37 | 41% |
| New Jersey | Lemonade | $36 | 41% |
| New Mexico | Lemonade | $28 | 43% |
| New York | Lemonade | $35 | 41% |
| North Carolina | Lemonade | $28 | 44% |
| North Dakota | Lemonade | $24 | 43% |
| Ohio | Lemonade | $29 | 43% |
| Oklahoma | Lemonade | $27 | 43% |
| Oregon | Lemonade | $40 | 40% |
| Pennsylvania | Lemonade | $33 | 42% |
| Rhode Island | Lemonade | $28 | 43% |
| South Carolina | Lemonade | $30 | 42% |
| South Dakota | Lemonade | $28 | 44% |
| Tennessee | Lemonade | $29 | 42% |
| Texas | Lemonade | $34 | 40% |
| Utah | Lemonade | $30 | 43% |
| Vermont | Lemonade | $30 | 43% |
| Virginia | Lemonade | $34 | 43% |
| Washington | Lemonade | $37 | 44% |
| West Virginia | Lemonade | $28 | 42% |
| Wisconsin | Lemonade | $34 | 43% |
| Wyoming | Lemonade | $29 | 42% |
*Rates are based on a 6-year-old Boston 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 Boston Terrier Insurance Cost?
Monthly insurance premiums for Boston Terriers range from $67 to $127 across the U.S., ranking as the 120th most expensive breed to insure. Your actual cost depends on your location and chosen coverage options.
| Alabama | $74 | $888 | -24% |
| Alaska | $97 | $1,163 | -1% |
| Arizona | $117 | $1,403 | 19% |
| Arkansas | $67 | $798 | -32% |
| California | $122 | $1,458 | 24% |
| Colorado | $123 | $1,473 | 25% |
| Connecticut | $113 | $1,346 | 14% |
| Delaware | $100 | $1,192 | 1% |
| Florida | $112 | $1,340 | 14% |
| Georgia | $87 | $1,046 | -11% |
| Hawaii | $100 | $1,203 | 2% |
| Idaho | $98 | $1,174 | -0% |
| Illinois | $120 | $1,441 | 23% |
| Indiana | $89 | $1,062 | -10% |
| Iowa | $81 | $975 | -17% |
| Kansas | $90 | $1,070 | -9% |
| Kentucky | $79 | $942 | -20% |
| Louisiana | $80 | $951 | -19% |
| Maine | $119 | $1,421 | 21% |
| Maryland | $103 | $1,229 | 5% |
| Massachusetts | $127 | $1,526 | 30% |
| Michigan | $99 | $1,184 | 1% |
| Minnesota | $101 | $1,206 | 3% |
| Mississippi | $85 | $1,014 | -14% |
| Missouri | $78 | $932 | -21% |
| Montana | $83 | $999 | -15% |
| Nebraska | $88 | $1,055 | -10% |
| Nevada | $100 | $1,200 | 2% |
| New Hampshire | $113 | $1,352 | 15% |
| New Jersey | $110 | $1,317 | 12% |
| New Mexico | $87 | $1,036 | -12% |
| New York | $108 | $1,287 | 9% |
| North Carolina | $89 | $1,066 | -9% |
| North Dakota | $76 | $909 | -23% |
| Ohio | $92 | $1,096 | -7% |
| Oklahoma | $83 | $986 | -16% |
| Oregon | $122 | $1,462 | 24% |
| Pennsylvania | $104 | $1,237 | 5% |
| Rhode Island | $87 | $1,040 | -12% |
| South Carolina | $95 | $1,132 | -4% |
| South Dakota | $88 | $1,056 | -10% |
| Tennessee | $91 | $1,085 | -8% |
| Texas | $101 | $1,214 | 3% |
| Utah | $95 | $1,141 | -3% |
| Vermont | $92 | $1,096 | -7% |
| Virginia | $107 | $1,285 | 9% |
| Washington | $114 | $1,362 | 16% |
| West Virginia | $84 | $1,010 | -14% |
| Wisconsin | $106 | $1,270 | 8% |
| Wyoming | $90 | $1,082 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Boston Terrier. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Boston Terrier Insurance Costs?
Boston Terriers rank as the 120th most expensive dog breed to insure, with monthly premiums averaging $98. Several breed-specific health factors drive these higher costs, but there are practical ways to reduce your insurance expenses while maintaining quality coverage for your pet.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Boston Terriers face several breed-specific health challenges that insurers consider high-risk, making it crucial to understand your coverage options. Cherry eye, a condition requiring surgical correction, is particularly common in this breed. They are also prone to respiratory issues due to their flat faces, spinal problems like intervertebral disk disease, and various eye conditions including cataracts and glaucoma. These health predispositions can significantly impact long-term medical costs.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
As a small breed weighing between 12 to 25 pounds, Boston Terriers require specialized care that affects treatment costs. Their compact size means they need precise medication dosing and careful anesthesia monitoring during procedures. While they may need smaller equipment than large breeds, their unique body structure often requires specialized surgical approaches and recovery support, particularly for respiratory or orthopedic issues.
Lifespan Considerations
Annual Vet Costs By Age: $700 to $1,500 (Young) to $2,000 to $4,500 (Senior)
Boston Terriers typically live 11 to 13 years, which is average for their size category. As these dogs enter their senior years around age 7, they often require more frequent veterinary care and monitoring. Age-related conditions like arthritis, dental disease, and vision problems become more common, leading to increased medical expenses in their later years.
Behavioral and Activity Risks
Potential Vet Costs: $1,000 to $5,000
Boston Terriers are energetic and playful dogs with a sturdy build that can lead to activity-related injuries. Their enthusiasm for play and exercise puts them at risk for joint injuries, particularly patellar luxation and soft tissue damage. While generally friendly, their strong personality and occasional stubbornness can lead to training challenges that may require professional intervention.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Increased demand for Boston Terriers has led to concerning breeding practices that amplify inherited health risks. This trend has made insurers more cautious about coverage for certain genetic conditions, particularly respiratory and skeletal problems. Selecting a puppy from health-tested parents with documented breeding lineage can significantly reduce your risk of facing denied claims and expensive hereditary condition treatments.
Boston Terriers share common breed traits, but your dog's health needs are unique to them. Base your insurance choice on your pet's medical history and your budget for veterinary care. Your vet can help identify specific health risks that matter most for your Boston Terrier's insurance coverage.
INSURANCE RISK PREVENTION
Boston Terrier owners can prevent costly health issues through targeted preventive care. Keep your dog at a healthy weight with measured portions and daily exercise to reduce joint problems. Choose breeders who test for eye conditions and heart issues common to the breed. Regular vet checkups, dental cleanings and proper eye care help avoid expensive treatments later. Maintain a calm post-meal routine to prevent digestive issues common in flat-faced breeds.
How to Get the Best Cheap Boston Terrier Pet Insurance
Securing affordable Boston Terrier insurance takes some research, but these simple steps can help.
- 1
Evaluate Your Coverage Needs
Boston Terriers can face specific health challenges like respiratory issues and eye problems. Review your budget and research pet insurance coverage options to find the right balance of protection and cost.
- 2
Compare Insurance Providers
Research multiple pet insurance companies and their policy features. Look for providers with positive customer reviews and clear claim processes that offer coverage matching your Boston Terrier's needs.
- 3
Review Policy Details
Examine waiting periods and pre-existing condition exclusions before committing. Request sample policies from your top choices to understand exactly what's covered and what's not.
- 4
Get Multiple Online Quotes
Use online quote tools from different insurers to compare prices. Rates can vary by hundreds of dollars for similar coverage, so getting multiple quotes is essential.
- 5
Review Annual Coverage
Mark your calendar to check rates and coverage each year at renewal time. Your Boston Terrier's needs change with age, and new, more affordable options may become available.
Boston Terrier Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Boston Terriers, while Lemonade offers the lowest monthly premiums at $32. Compare both options, along with other trusted providers, to find coverage that matches your pet's health needs and your budget. The right policy brings peace of mind and reliable coverage when health issues arise.
Pet Insurance for Boston Terrier: FAQ
Our insurance experts answer your most important questions about Boston Terrier coverage.
What is the best pet insurance provider for Boston Terriers overall?
AKC provides the best insurance for Boston Terriers, offering comprehensive coverage and excellent customer service with a 4.375/5 rating. Despite higher premiums, their complete protection package delivers superior value for Boston Terrier owners.
Who offers the cheapest pet insurance for Boston Terriers?
Lemonade provides the most affordable pet insurance for Boston Terriers, with monthly premiums starting at $32 for standard coverage. Keep in mind that actual rates will vary based on your location and pet's specific circumstances.
How much does Boston Terrier insurance cost?
Boston Terriers rank as the 120th most expensive breed to insure, with average premiums of $98 per month. Monthly insurance costs can vary significantly by location, ranging from $67 to $127.
What are the most common accident and illness risks for Boston Terriers?
Boston Terriers commonly face brachycephalic syndrome (breathing difficulties due to their flat faces), patellar luxation (kneecap dislocation causing limping), and eye problems like cataracts or corneal ulcers. These health risks are primarily linked to the breed's distinctive facial structure and genetic predisposition.
How We Found the Best and Cheapest Boston 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 Boston 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 Boston Terriers.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Boston 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.