Maltese Pet Insurance
Give your Maltese nose-to-tail coverage for all of life's surprises!
Malteses are gentle, playful, and affectionate companions who bring endless joy to families, but as a toy breed, they’re prone to certain health conditions that can lead to expensive vet bills. Luxating patella, dental disease, and hypoglycemia are just a few common concerns that could cost thousands to treat.
Pet insurance helps you focus on what matters most: your Maltese’s health and happiness. Here’s everything you need to know about coverage options, costs, and why insurance makes sense for this beloved breed.
What does Maltese pet insurance cover?
A base Lemonade pet health insurance policy helps cover the costs of medication, tests, and treatments if your Maltese has an unexpected accident or illness (provided it’s not related to a pre-existing condition, and occurs after your policy’s waiting periods have ended).
Whether it’s an unexpected accident during play time or a breed-specific illness like Luxating patella, Malteses benefit from comprehensive coverage that protects against life’s surprises.
Wellness care
Want to get money back for your Maltese’s routine care? Our preventive packages reimburse you for the stuff you’re already doing, like annual checkups, vaccines, blood work, and other routine care that keep your pup healthy and happy.
Keep in mind, preventative care offerings might differ based on where you live. The easiest way to see what’s available? Get a free quote.
Extra coverage
You can also customize your Lemonade policy with optional add-ons like:
- Physical therapy
- Visit fees
- Dental coverage: critical for this toy breed that commonly suffers from dental overcrowding and disease
- Behavioral conditions: can be helpful for small breeds prone to separation anxiety and behavioral issues
- End-of-life and remembrance
These coverages help take a bite out of pricey treatments, services, and vet visits that Malteses often need.
Is pet insurance worth it for Malteses?
Taking care of any toy breed gets expensive, and Malteses can face costly breed-specific health issues throughout their 12 to 15-year lifespan. The good news? Lemonade pet parents are already saving serious money on vet bills.
Malteses are particularly prone to kneecap dislocation, severe dental problems, and blood sugar issues typical of toy breeds, which makes insurance even more valuable.
Check out how much other Maltese parents have saved with pet insurance below. Your savings could be even higher.
Common Maltese health conditions
Malteses are amazing dogs, but they’re predisposed to certain health conditions that can get expensive to treat. Here are some of the most common claims we see for them, along with typical treatment costs:
| Condition | What is it? | Average treatment cost |
|---|---|---|
| Slipping Kneecap (Luxating Patella) | Kneecap slips out of place, causing limping | $500–$2,500 |
| Collapsing Trachea | Windpipe collapses; chronic cough | $400–$2,500 |
| Dental Disease (Tooth & Gum Problems) | Gum & tooth disease, possible extractions | $400–$1,500 |
| Ear Infections | Chronic or severe ear infections | $300–$800 |
| Obesity | Extra weight, leads to other health issues | $250–$800 |
| Cataracts | Clouding of the eye lens; vision loss | $2,000–$4,000 |
| Heart Valve Disease | Leaky heart valve; can lead to heart failure | $300–$1,200 |
| Blindness from Retinal Disease (PRA) | Inherited gradual vision loss | $300–$700 |
| Low Blood Sugar (Hypoglycemia, esp. Toy Breeds) | Sudden weakness or collapse from low blood sugar | $300–$800 |
| Pancreatitis | Inflammation of pancreas; vomiting, pain | $500–$2,500 |
As a toy breed, Malteses face having a tiny size that makes them fragile and prone to injury plus, which is why early coverage is important to protect their health and your wallet.
How much does pet insurance for Malteses cost?
Your Maltese’s premium depends on a few key factors: Their age, your location, and the coverages you choose. Toy breeds like Malteses typically cost less to insure due to their small size generally means lower treatment costs, but they often need frequent specialized care.
Here’s what other Maltese parents typically pay for Lemonade coverage:
| Age | Average monthly premium |
|---|---|
| 1 year old | $25-$30 |
| 2 years old | $25-$30 |
| 3 years old | $25-$30 |
| 4 years old | $25-$30 |
| 5 years old | $30-$35 |
| 6 years old | $35-$40 |
| 7 years old | – |
How can I find the best pet insurance for my Maltese?
While we might be biased, Lemonade was really designed with pet parents in mind, especially those with breeds like Malteses that need comprehensive coverage for delicate handling, dental health, and blood sugar monitoring.
Our customizable add-ons are perfect for Malteses since you can tailor coverage for their specific risks like luxating patella and dental disease.
Don’t believe us? Take a look at how we stack up against the competition.
Before we go…
Malteses make incredible companions, but their fragile toy breed requiring gentle care and frequent grooming can get expensive fast. Pet insurance helps you say “yes” to the best care without worrying about the vet bill, whether that’s treating emergency surgery for broken bones or injuries, managing joint conditions, or handling an emergency.
Ready to protect your Maltese? Get a personalized quote in as little as 90 seconds and see how affordable coverage can be for your Maltese.
Get to know your Maltese
*Lemonade Insurance analyzed policy rates of accident and illness policies to calculate average pet insurance premiums as of October, 2025. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances and additional coverages selected.