AKC is the best pet insurance provider for Staffordshire Bull Terriers due to its comprehensive coverage options and strong customer satisfaction scores. Other top providers include Lemonade, Pets Best and Rainwalk.
Staffordshire Bull Terrier Insurance
Updated: August 31, 2025
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Key Takeaways
AKC is the best pet insurance company for Staffordshire Bull Terriers, offering comprehensive coverage and reliable service.
Lemonade provides the cheapest pet insurance rates for Staffordshire Bull Terriers, with average rates of around $39 monthly for standard protection.
Pet insurance for Staffordshire Bull Terriers costs $118 per month on average, making them the 64th most expensive dog breed to insure.
Best Staffordshire Bull Terrier Pet Insurance Companies
| AKC | 4.30 | $57 | 3 | 1 |
| Lemonade | 4.20 | $39 | 3 | 6 |
| Pets Best | 4.20 | $39 | 5 | 2 |
| Rainwalk | 4.15 | $59 | 1 | 4 |
| Spot | 3.85 | $60 | 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 Staffordshire Bull Terriers
MoneyGeek Rating
4.3/ of 5
4/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$57Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Staffordshire Bull Terrier Pet Insurance by State
AKC leads Staffordshire Bull Terrier insurance in all 50 states, demonstrating nationwide dominance. Rainwalk ranks highest in three states, including Illinois and Michigan, showing strong regional performance.
| Alabama | AKC | 4.25 |
| Alabama | Rainwalk | 4.25 |
| Alaska | AKC | 4.30 |
| Arizona | AKC | 4.30 |
| Arkansas | AKC | 4.35 |
| California | AKC | 4.30 |
| Colorado | AKC | 4.30 |
| Connecticut | AKC | 4.30 |
| Delaware | AKC | 4.25 |
| Florida | AKC | 4.35 |
| Georgia | AKC | 4.25 |
| Hawaii | AKC | 4.30 |
| Idaho | AKC | 4.25 |
| Illinois | AKC | 4.30 |
| Illinois | Rainwalk | 4.30 |
| Indiana | AKC | 4.35 |
| Iowa | AKC | 4.25 |
| Kansas | AKC | 4.30 |
| Kentucky | AKC | 4.35 |
| Louisiana | AKC | 4.25 |
| Maine | AKC | 4.30 |
| Maryland | AKC | 4.25 |
| Massachusetts | AKC | 4.25 |
| Michigan | Rainwalk | 4.20 |
| Michigan | Pets Best | 4.20 |
| Michigan | AKC | 4.20 |
| Michigan | Lemonade | 4.20 |
| Minnesota | AKC | 4.25 |
| Mississippi | AKC | 4.30 |
| Missouri | AKC | 4.30 |
| Montana | AKC | 4.30 |
| Nebraska | AKC | 4.30 |
| Nevada | AKC | 4.30 |
| New Hampshire | AKC | 4.30 |
| New Jersey | AKC | 4.25 |
| New Mexico | AKC | 4.35 |
| New York | AKC | 4.30 |
| North Carolina | AKC | 4.30 |
| North Dakota | AKC | 4.35 |
| Ohio | AKC | 4.25 |
| Oklahoma | AKC | 4.40 |
| Oregon | AKC | 4.30 |
| Pennsylvania | AKC | 4.30 |
| Rhode Island | AKC | 4.35 |
| South Carolina | AKC | 4.35 |
| South Dakota | AKC | 4.35 |
| Tennessee | AKC | 4.30 |
| Texas | AKC | 4.30 |
| Utah | AKC | 4.25 |
| Vermont | AKC | 4.30 |
| Virginia | AKC | 4.25 |
| Washington | AKC | 4.40 |
| West Virginia | AKC | 4.30 |
| Wisconsin | AKC | 4.25 |
| Wyoming | AKC | 4.35 |
*Rates are based on a 6-year-old Staffordshire Bull 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 Staffordshire Bull Terrier Pet Insurance Companies
Lemonade offers the lowest-priced pet insurance for Staffordshire Bull Terriers at $39 per month or $465 annually. Other budget-friendly providers include Pets Best, Figo, ASPCA and MetLife.
| Lemonade | $39 | $465 | 29% |
| Pets Best | $39 | $474 | 28% |
| Figo | $50 | $605 | 8% |
| ASPCA | $51 | $612 | 7% |
| Met Life | $56 | $665 | 1% |
*Rates are based on a 6-year-old Staffordshire Bull 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 Staffordshire Bull Terriers
MoneyGeek Rating
4.2/ of 5
4.4/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$39Overall Customer Sentiment
66% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical Therapy For New Accidents and Illness
Cheapest Staffordshire Bull Terrier Pet Insurance by State
Lemonade leads as the most affordable pet insurance provider for Staffordshire Bull Terriers, offering the lowest rates in all 50 states. Monthly premiums range from $26 to $50, depending on location.
| Alabama | Lemonade | $29 | 33% |
| Alaska | Lemonade | $38 | 30% |
| Arizona | Lemonade | $47 | 27% |
| Arkansas | Lemonade | $26 | 33% |
| California | Lemonade | $49 | 24% |
| Colorado | Lemonade | $49 | 28% |
| Connecticut | Lemonade | $44 | 28% |
| Delaware | Lemonade | $39 | 30% |
| Florida | Lemonade | $44 | 29% |
| Georgia | Lemonade | $35 | 28% |
| Hawaii | Lemonade | $39 | 30% |
| Idaho | Lemonade | $39 | 28% |
| Illinois | Lemonade | $48 | 27% |
| Indiana | Lemonade | $35 | 28% |
| Iowa | Lemonade | $33 | 31% |
| Kansas | Lemonade | $35 | 30% |
| Kentucky | Lemonade | $31 | 33% |
| Louisiana | Lemonade | $31 | 31% |
| Maine | Lemonade | $47 | 29% |
| Maryland | Lemonade | $38 | 35% |
| Massachusetts | Lemonade | $50 | 28% |
| Michigan | Lemonade | $39 | 29% |
| Minnesota | Lemonade | $40 | 28% |
| Mississippi | Lemonade | $33 | 31% |
| Missouri | Lemonade | $31 | 31% |
| Montana | Lemonade | $32 | 30% |
| Nebraska | Lemonade | $35 | 30% |
| Nevada | Lemonade | $40 | 28% |
| New Hampshire | Lemonade | $45 | 28% |
| New Jersey | Lemonade | $44 | 28% |
| New Mexico | Lemonade | $34 | 30% |
| New York | Lemonade | $42 | 28% |
| North Carolina | Lemonade | $35 | 31% |
| North Dakota | Lemonade | $30 | 30% |
| Ohio | Lemonade | $36 | 31% |
| Oklahoma | Lemonade | $33 | 30% |
| Oregon | Lemonade | $48 | 27% |
| Pennsylvania | Lemonade | $40 | 30% |
| Rhode Island | Lemonade | $34 | 30% |
| South Carolina | Lemonade | $37 | 29% |
| South Dakota | Lemonade | $34 | 31% |
| Tennessee | Lemonade | $36 | 29% |
| Texas | Lemonade | $41 | 27% |
| Utah | Lemonade | $37 | 30% |
| Vermont | Lemonade | $36 | 30% |
| Virginia | Lemonade | $41 | 31% |
| Washington | Lemonade | $45 | 31% |
| West Virginia | Lemonade | $34 | 29% |
| Wisconsin | Lemonade | $42 | 31% |
| Wyoming | Lemonade | $36 | 29% |
*Rates are based on a 6-year-old Staffordshire Bull 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 Staffordshire Bull Terrier Insurance Cost?
Monthly pet insurance premiums for Staffordshire Bull Terriers range from $80 to $153 across states, ranking as the 64th most expensive breed to insure nationwide. Your actual costs will vary based on coverage options and your pet's specific needs.
| Alabama | $89 | $1,068 | -24% |
| Alaska | $116 | $1,398 | -1% |
| Arizona | $141 | $1,687 | 19% |
| Arkansas | $80 | $959 | -32% |
| California | $146 | $1,753 | 24% |
| Colorado | $148 | $1,772 | 25% |
| Connecticut | $135 | $1,618 | 14% |
| Delaware | $119 | $1,434 | 1% |
| Florida | $134 | $1,611 | 14% |
| Georgia | $105 | $1,258 | -11% |
| Hawaii | $120 | $1,446 | 2% |
| Idaho | $118 | $1,412 | -0% |
| Illinois | $144 | $1,733 | 23% |
| Indiana | $106 | $1,277 | -10% |
| Iowa | $98 | $1,172 | -17% |
| Kansas | $107 | $1,287 | -9% |
| Kentucky | $94 | $1,133 | -20% |
| Louisiana | $95 | $1,144 | -19% |
| Maine | $142 | $1,708 | 21% |
| Maryland | $123 | $1,478 | 5% |
| Massachusetts | $153 | $1,835 | 30% |
| Michigan | $119 | $1,424 | 1% |
| Minnesota | $121 | $1,450 | 3% |
| Mississippi | $102 | $1,219 | -14% |
| Missouri | $93 | $1,121 | -21% |
| Montana | $100 | $1,202 | -15% |
| Nebraska | $106 | $1,269 | -10% |
| Nevada | $120 | $1,442 | 2% |
| New Hampshire | $136 | $1,626 | 15% |
| New Jersey | $132 | $1,583 | 12% |
| New Mexico | $104 | $1,246 | -12% |
| New York | $129 | $1,547 | 9% |
| North Carolina | $107 | $1,282 | -9% |
| North Dakota | $91 | $1,093 | -23% |
| Ohio | $110 | $1,318 | -7% |
| Oklahoma | $99 | $1,185 | -16% |
| Oregon | $146 | $1,758 | 24% |
| Pennsylvania | $124 | $1,487 | 5% |
| Rhode Island | $104 | $1,251 | -12% |
| South Carolina | $113 | $1,361 | -4% |
| South Dakota | $106 | $1,269 | -10% |
| Tennessee | $109 | $1,304 | -8% |
| Texas | $122 | $1,459 | 3% |
| Utah | $114 | $1,372 | -3% |
| Vermont | $110 | $1,318 | -7% |
| Virginia | $129 | $1,545 | 9% |
| Washington | $136 | $1,637 | 16% |
| West Virginia | $101 | $1,215 | -14% |
| Wisconsin | $127 | $1,527 | 8% |
| Wyoming | $108 | $1,302 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Staffordshire Bull Terrier. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect Staffordshire Bull Terrier Insurance Costs?
Staffordshire Bull Terriers rank 64th in pet insurance costs, with breed-specific health and liability factors affecting premiums. Here's what drives these rates and how owners can find more affordable coverage.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Terriers face several breed-specific health challenges that insurers consider high-risk. L2 Vertebrae, a spinal condition requiring surgical intervention, is particularly common in this breed. Staffordshire Bull Terriers are also prone to hereditary cataracts, skin allergies, and hip dysplasia. These conditions require ongoing treatment and specialized care, increasing lifetime veterinary costs.
Size-Related Factors
Potential Vet Cost Increase: 20% to 35% higher vet costs
Medium-sized dogs weighing 24 to 38 pounds, Staffordshire Bull Terriers require moderate medication doses and standard surgical equipment. Their muscular build means injuries need careful management during recovery. Physical therapy and rehabilitation equipment, like support slings or specialized crates, are necessary, contributing to treatment expenses.
Lifespan Considerations
Annual Vet Costs By Age: $300 to $700 (Young) to $1,200 to $3,500 (Senior)
Staffordshire Bull Terriers live 12 to 14 years, average for medium-sized breeds. Senior years, around age 8, bring age-related conditions requiring more frequent veterinary care. Regular heart function monitoring, joint health checks, and cancer screenings become necessary, leading to increased medical expenses.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Staffordshire Bull Terriers are energetic and powerful dogs with strong athletic abilities. Their muscular build and enthusiasm for play can lead to cruciate ligament tears, muscle strains and joint problems. Their protective nature may influence liability coverage options, affecting policy availability rather than premium costs.
Breeding-Related Issues
Potential Vet Costs: $2,000 to $12,000
Unregulated breeding practices have increased genetic health issues in Staffordshire Bull Terriers. This trend causes many insurers to implement breed-specific coverage limitations or exclusions. Selecting puppies from health-tested parents with documented genetic screening can reduce future medical expenses and improve insurance coverage options.
While Staffordshire Bull Terriers share common health traits, your dog's individual health profile matters most when choosing insurance coverage. Your decision should align with your pet's specific medical needs and budget. A veterinarian conversation can help identify the most relevant health risks for your Staffordshire Bull Terrier.
INSURANCE RISK PREVENTION
Protect your Staffordshire Bull Terrier's health with proactive care and smart choices. Keep your dog at a healthy weight through measured portions and daily exercise to prevent joint problems. Choose a breeder who tests for L-2-HGA and other genetic conditions before breeding. Regular vet checkups can catch common issues like skin allergies and eye problems early. A balanced diet rich in joint-supporting nutrients helps maintain your Staffie's active lifestyle while reducing health risks.
How to Get the Best Cheap Staffordshire Bull Terrier Pet Insurance
While Staffordshire Bull Terrier insurance costs more than coverage for some breeds, you can lower your premiums with these proven steps:
- 1
Evaluate Your Coverage Needs
Start by understanding what level of pet insurance coverage your Staffordshire Bull Terrier needs. Consider common breed health issues like hip dysplasia and skin conditions when choosing between accident-only or comprehensive coverage.
- 2
Compare Insurance Providers
Research multiple pet insurance companies that cover Staffordshire Bull Terriers. Focus on providers with strong customer reviews, clear policies and competitive rates for your chosen coverage level.
- 3
Review Policy Details
Examine waiting periods and pre-existing condition exclusions before committing to a policy. Request sample policies from your top choices to understand exactly what's covered and what's not.
- 4
Get Multiple Online Quotes
Visit at least three insurance provider websites to get quotes for your Staffie. Premium costs can vary by hundreds of dollars between companies for the same coverage.
- 5
Review Coverage Annually
Mark your calendar to check rates and coverage options each year before renewal. Your dog's needs and available insurance options change over time, so comparing new quotes can lead to better deals.
Staffordshire Bull Terrier Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Staffordshire Bull Terriers, while Lemonade offers the lowest monthly premiums. Compare both insurers, along with other trusted options, to find coverage that matches your pet's health needs and your budget. The right policy provides peace of mind and ensures quality care when health issues arise.
Pet Insurance for Staffordshire Bull Terrier: FAQ
Our insurance experts answer your essential questions about Staffordshire Bull Terrier coverage:
What is the best pet insurance provider for Staffordshire Bull Terriers overall?
AKC offers the best insurance for Staffordshire Bull Terriers, featuring comprehensive coverage and excellent customer experience. Though premiums run higher than average, the extensive protection and service quality justify the investment.
Who offers the cheapest pet insurance for Staffordshire Bull Terriers?
Lemonade provides the most affordable pet insurance for Staffordshire Bull Terriers, with monthly premiums starting at $39 for standard coverage. Note that actual rates may vary based on your location and pet's specific circumstances.
How much does Staffordshire Bull Terrier insurance cost?
Staffordshire Bull Terriers rank as the 64th most expensive breed to insure, with an average monthly premium of $118. Monthly rates vary significantly by location, ranging from $80 to $153.
What are the most common accident and illness risks for Staffordshire Bull Terriers?
Staffordshire Bull Terriers commonly face hip dysplasia (causing joint pain and limited mobility), L-2-HGA (a metabolic disorder affecting brain function and behavior) and hereditary cataracts (progressive vision loss leading to blindness). These health risks are primarily linked to the breed's genetic makeup and physical characteristics.
How We Found the Best and Cheapest Staffordshire Bull 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 Staffordshire Bull 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 Staffordshire Bull Terriers.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Staffordshire Bull 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.