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: December 4, 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 costs $118 per month for Staffordshire Bull Terriers, making them the 64th most expensive dog breed to insure.
Best Staffordshire Bull Terrier Pet Insurance Companies
*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.
Learn more about the best pet insurance options for your Staffordshire Bull Terrier across different situations:
AKC
Best for Staffordshire Bull Terriers
MoneyGeek Rating
4.3/ 5
4/5Affordability
4.4/5Customer Experience
5/5Coverage Points
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/ 5
4.4/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
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. Several key factors drive these rates.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Staffordshire Bull Terriers experience several breed-specific health challenges that insurers consider high-risk. L2 Vertebrae, a spinal condition requiring surgical intervention, is particularly common in this breed.
These 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 getting pet insurance. Your deductible, annual limit and reimbursement rate choices 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
Your Staffordshire Bull Terrier's health depends on proactive care starting from day one. Measured portions and daily exercise keep weight under control, preventing the joint problems this breed commonly develops. Choose breeders who test for L-2-HGA and other genetic conditions before breeding. Schedule vet checkups twice yearly to catch skin allergies and eye problems before they become expensive. Feed joint-supporting nutrients to protect your Staffie's active lifestyle and avoid preventable health issues.
How to Get the Best Cheap Staffordshire Bull Terrier Pet Insurance
Staffordshire Bull Terrier insurance ranks among the pricier breed coverage options. Smart shopping can lower your premiums:
- 1Evaluate Your Coverage Needs
Ask yourself whether pet insurance is worth it for your Staffordshire Bull Terrier given the breed's expensive health issues. Hip dysplasia surgeries run $3,500 to $7,000 per hip. Chronic skin allergies require ongoing treatments costing $200 to $500 monthly. These breed-specific risks make comprehensive coverage more valuable than accident-only policies for most owners.
- 2Compare Insurance Providers
Research at least five pet insurance companies accepting Staffordshire Bull Terriers (some insurers restrict "bully breeds"). Target providers with 4+ star customer reviews, claim processing under 14 days and rates at or below the $118 monthly average for this breed.
- 3Review Policy Details
Read the fine print on waiting periods and pre-existing condition exclusions before signing anything. Request sample policies from your top three insurers. Look specifically for how they handle hip dysplasia, skin allergies and hereditary conditions common in Staffies. Confirm reimbursement covers specialist visits, not just general vet care.
- 4Get Multiple Online Quotes
Request quotes from at least five insurers for your Staffie. Premium costs swing wildly between companies, with price differences reaching $600 to $1,200 annually for identical annual limits, deductibles and reimbursement rates. Hunt for pet insurance discounts like multi-pet savings, annual payment reductions or microchip discounts that can cut 10% to 15% off your premium.
- 5Review Coverage Annually
Set annual reminders to shop rates 60 days before your renewal date. Your Staffie's health needs change as they age, and insurers adjust pricing yearly. Switching carriers can save $300 to $800 annually, especially as your dog moves into higher-risk age brackets.
Staffordshire Bull Terrier Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Staffordshire Bull Terriers, while Lemonade delivers the lowest monthly premiums. Compare both insurers, along with other trusted options, to find coverage matching your pet's health needs and budget. The right policy provides peace of mind and ensures quality care when health issues arise.
Learn more about the best pet insurance providers for your Staffordshire Bull Terrier:
Pet Insurance for Staffordshire Bull Terrier: FAQ
We answer common questions about Staffordshire Bull Terrier pet insurance:
What is the best pet insurance provider for Staffordshire Bull Terriers overall?
AKC delivers the best insurance for Staffordshire Bull Terriers with comprehensive coverage and excellent customer experience. Premiums run higher than average, but extensive protection and service quality justify the investment.
Who offers the cheapest pet insurance for Staffordshire Bull Terriers?
Lemonade delivers the most affordable pet insurance for Staffordshire Bull Terriers, with monthly premiums starting at $39 for standard coverage. Actual rates 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 by location, ranging from $80 to $153.
What are the most common accident and illness risks for Staffordshire Bull Terriers?
Staffordshire Bull Terriers commonly experience 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 link primarily to the breed's genetic makeup and physical characteristics.
How We Found the Best and Cheapest Staffordshire Bull Terrier Insurance
Staffordshire Bull Terriers encounter specific health challenges that affect insurance decisions. This breed commonly deals with hip dysplasia, skin allergies and L-2-HGA genetic conditions, creating higher veterinary costs than many breeds. Our analysis focused on which insurers price these breed-specific risks fairly while delivering strong coverage and customer service for Staffie owners.
Cost methodology: All estimates reflect a six-year-old Staffordshire Bull Terrier with $5,000 annual limit, $500 deductible and 80% reimbursement. Average costs came from aggregated pricing across different coverage levels and age ranges within typical life expectancy limits for this breed.
Our scoring system weighs three factors:
Affordability (50%): Premium costs determine whether Staffordshire Bull Terrier owners can maintain coverage as their dogs age and health risks increase. We compared each company's prices against competitors across all profiles and coverage options. Lower relative pricing earned higher scores, with discounts factored in (though most companies offer similar ones). Cost matters most because Staffies rank as the 64th most expensive breed to insure.
Customer Experience (30%): Claims processing matters when your Staffie needs hip dysplasia surgery or allergy treatments. Our analysis drew from verified online reviews and ratings to gauge overall sentiment. Companies with more positive feedback earned higher scores, showing how well insurers handle Staffordshire Bull Terrier owners' claims and service needs.
Coverage (20%): Staffordshire Bull Terriers need specific protections for hereditary conditions, joint problems and skin issues. We reviewed each provider's contract details including add-ons, inclusions, exclusions and restrictions. Broader coverage for breed-specific conditions earned higher scores, though regulations differ by state and may affect your available options.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.