West Highland White Terrier Pet Insurance
Give your Westie nose-to-tail coverage for all of life's surprises!
- What does West Highland White Terrier pet insurance cover?
- Is pet insurance worth it for West Highland White Terriers?
- Common West Highland White Terrier health conditions
- How much does pet insurance for West Highland White Terriers cost?
- How can I find the best pet insurance for my West Highland White Terrier?
- Get to know your West Highland White Terrier
West Highland White Terriers are confident, friendly, and entertaining companions who bring endless joy to families, but as a small breed, they’re prone to certain health conditions that can lead to expensive vet bills. Skin allergies, luxating patella, and hip dysplasia are just a few common concerns that could cost thousands to treat.
Pet insurance helps you focus on what matters most: your Westie’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 West Highland White Terrier pet insurance cover?
A base Lemonade pet health insurance policy helps cover the costs of medication, tests, and treatments if your West Highland White Terrier 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 Skin allergies, West Highland White Terriers benefit from comprehensive coverage that protects against life’s surprises.
Wellness care
Want to get money back for your Westie’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: important for small breeds that can develop dental issues, though moderate compared to toy breeds
- Behavioral conditions
- End-of-life and remembrance
These coverages help take a bite out of pricey treatments, services, and vet visits that West Highland White Terriers often need.
Is pet insurance worth it for West Highland White Terriers?
Taking care of any small breed gets expensive, and West Highland White Terriers can face costly breed-specific health issues throughout their 13 to 15-year lifespan. The good news? Lemonade pet parents are already saving serious money on vet bills.
West Highland White Terriers are particularly prone to skin conditions, kneecap dislocation, and joint problems, which makes insurance even more valuable.
Check out how much other West Highland White Terrier parents have saved with pet insurance below. Your savings could be even higher.
Common West Highland White Terrier health conditions
West Highland White Terriers 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 |
|---|---|---|
| Skin Allergies (Environmental/Food) | Persistent itching from food, fleas, or environment | $400–$1,500 |
| Ear Infections | Chronic or severe ear infections | $300–$800 |
| Slipping Kneecap (Luxating Patella) | Kneecap slips out of place, causing limping | $500–$2,500 |
| Cataracts | Clouding of the eye lens; vision loss | $2,000–$4,000 |
| Lymph Node Cancer (Lymphoma) | Cancer of the lymph system | $2,000–$7,000 |
| Torn Knee Ligament (Cruciate Ligament Tear) | Torn ligament in the knee | $1,200–$8,500 |
| Obesity | Extra weight, leads to other health issues | $250–$800 |
| Anal Gland Issues | Problems with the glands near the anus | $350–$900 |
| Dental Disease (Tooth & Gum Problems) | Gum & tooth disease, possible extractions | $400–$1,500 |
| Pancreatitis | Inflammation of pancreas; vomiting, pain | $500–$2,500 |
As a terrier breed, West Highland White Terriers face having a white coat that can be prone to skin sensitivities and small terrier build, which is why early coverage is important to protect their health and your wallet.
How much does pet insurance for West Highland White Terriers cost?
Your West Highland White Terrier’s premium depends on a few key factors: Their age, your location, and the coverages you choose. Small breeds like West Highland White Terriers typically cost mid-range to insure due to their small size, but chronic skin conditions can be expensive to manage long-term.
Here’s what other West Highland White Terrier parents typically pay for Lemonade coverage:
| Age | Average monthly premium |
|---|---|
| 1 year old | $30-$35 |
| 2 years old | $30-$35 |
| 3 years old | $30-$35 |
| 4 years old | $35-$40 |
| 5 years old | – |
| 6 years old | – |
| 7 years old | – |
How can I find the best pet insurance for my West Highland White Terrier?
While we might be biased, Lemonade was really designed with pet parents in mind, especially those with breeds like West Highland White Terriers that need comprehensive coverage for skin health, joint care, and coat maintenance.
Our customizable add-ons are perfect for West Highland White Terriers since you can tailor coverage for their specific risks like skin allergies and luxating patella.
Don’t believe us? Take a look at how we stack up against the competition.
Before we go…
West Highland White Terriers make incredible companions, but their white coat requiring regular grooming and potential skin sensitivity management can get expensive fast. Pet insurance helps you say “yes” to the best care without worrying about the vet bill, whether that’s treating allergy treatment and skin management, managing skin conditions , or handling an emergency.
Ready to protect your Westie? Get a personalized quote in as little as 90 seconds and see how affordable coverage can be for your West Highland White Terrier.
Get to know your West Highland White Terrier
Are West Highland White Terriers good with families and children?
Great with families and children. Westies are confident, playful, and naturally good with kids. Their sturdy build and friendly nature make them excellent family companions who love being part of everything.
What does a West Highland White Terrier's grooming schedule look like?
Professional grooming every 4-6 weeks with regular brushing 2-3 times weekly. Their double coat needs consistent attention to maintain that classic Westie look and prevent matting.
Are West Highland White Terriers suitable for first-time dog owners?
Good for first-time owners who want a small, confident companion. They’re adaptable, intelligent, and relatively easy to manage. Their moderate exercise needs and friendly nature make them beginner-friendly.
Are West Highland White Terriers easy to train?
Pretty easy to train but West Highland White Terriers can have a stubborn streak. They’re smart and eager to work but like doing things their way. Positive reinforcement and patience work better than force.
What activities do West Highland White Terriers usually enjoy?
Daily walks, digging games, and interactive play. They love exploring, playing with toys, and activities that let them use their natural terrier instincts. They’re confident little adventurers.
*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.