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5 Best Pet Insurance for American Staffordshire Terriers (2022 Reviews)

American staffie dog insurance
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American Staffordshire Terrier owners all across the United States understand that emergencies will inevitably strike at some point in their dogs’ lives, which is why so many opt for the protection pet insurance offers. With a solid pet insurance plan in place, it will help you afford exceptional care, treatment and procedures if and when your AmStaff may need them. Without the added money-related stress that usually comes with such dire situations, you will be able to channel your energy into ensuring your little pal gets well. And since we know how much you love your dog, we have researched the best pet insurance companies for American Staffordshire Terriers in order o save you time and money.

American staffie dog insurance
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5 Top Pet Insurance Companies Compared for American Staffordshire Terriers

  • 1

    Best overall

    Our score
    Average price for
    American Staffordshire Terriers
    Reimbursement amount 90%
    Annual benefit $20,000
    • Lemonade features the overall best American Staffordshire Terriers pet insurance plan at the most competitive rates

    • Claims can be paid in under 60 seconds via their world-class app. I was blown away by how quickly they approved my claim and how much they paid

    • Lemonade is a certified B-corp that donates a significant portion of their unclaimed premiums to pet parents’ preferred non-profit organizations

  • 2

    Best for wellness

    Our score
    Average price for
    American Staffordshire Terriers
    Reimbursement amount 90%
    Annual benefit $20,000
    • They are one of the few companies that reimburse up to 100% of veterinary costs and provide quick reimbursements

    • Wagmo’s top-notch wellness plans extend coverage to include your pet’s routine and preventative care

    • Wagmo offers instant coverage for cats and dogs in all 50 states, regardless of their age, breed, or any health conditions (with some limitations)

  • 3

    Best live vet support

    Our score
    Average price for
    American Staffordshire Terriers
    Reimbursement amount 90%
    Annual benefit $5,000
    • Figo provides free 24/7 telehealth services to American Staffordshire Terriers owners with licensed veterinarians and other essential professionals on call

    • Their pet records app and real-time claims tracker are easy and intuitive to use

    • Figo covers most ‘curable’ pre-existing conditions as long as the pet has been symptom-free for 12 months since their last treatment

  • 4

    Best for pre-existing conditions

    Our score
    Average price for
    American Staffordshire Terriers
    Reimbursement amount 100%
    Annual benefit $3,000
    • Pawp allows you to protect up to 6 pets under one membership regardless of age or pre-existing conditions

    • Pawp membership gives American Staffordshire Terriers pet parents access to an annual one-time use $3,000 Emergency Fund to cover unexpected accidents or illnesses

    • Pawp does not require copays, credit checks or deductibles

  • 5

    Best established brand

    Our score
    Average price for
    American Staffordshire Terriers
    Reimbursement amount 90%
    Annual benefit $5,000
    • With Embrace’s “Healthy Pet Deductible,” your annual deductible drops by $50 every year you do not get reimbursed for a claim

    • Embrace has an easy-to-use claims portal and paid 92% of claims in 2021

    • Their Wellness Rewards is one of the most flexible preventative care plans available, offering a whole host of benefits, including training and grooming

Based on our personal experience and countless hours of research, we’ve found Lemonade Pet Insurance offers the ideal balance between coverage and unbeatable prices.

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FAQs about American Staffordshire Terriers Pet Insurance

  • 1. How much does pet insurance cost for AmStaffs?

    Insurance rates for AmStaffs run anywhere from $34.83 to $67.31 each month. We give you a range because pet insurance providers use your dog’s age, breed, medical history and veterinary services costs in your state to calculate your monthly premiums.

  • 2. What does pet insurance typically cover for American Staffordshire Terriers?

    While every provider’s coverage differs, they all generally extend coverage to illnesses and accidents considered catastrophic and sudden. Should your AmStaff have such an experience, you can expect all related tests, exams, other diagnostic procedures, medications, and surgeries to be covered.

  • 3. Can I cancel my AmStaff’s insurance plan after I make a claim?

    Most insurance companies will let you cancel your AmStaff’s policy at any
    time. Be sure to verify with your provider whether you can cancel
    over the phone or if you need to do so in writing.

  • 4. Do pet insurance companies cover spaying and neutering?

    It is not typical for pet insurance companies to cover spaying and neutering with their standard health plans. However, Embrace has an optional wellness plan that will cover either of these operations if your AmStaff needs one.

  • 5. Does the cost of insurance increase as my American Staffordshire Terrier ages?

    Your AmStaff’s rates will increase as they get older, especially once they turn 4 to 5 years old. Raising premiums helps pet insurance companies offset the heightened risk that your dog may develop a chronic condition or become ill as they age.

  • 6. Which companies cover pre-existing conditions?

    Pawp is the best provider for dogs with pre-existing conditions, especially in emergencies. On a more limited basis, Embrace covers those that they consider ‘curable.’ If your dog has any chronic conditions, we suggest reaching out to both of these providers to determine which one best fits your circumstances. The good news is that even if your AmStaff has pre-existing conditions, it will not preclude them from being eligible for coverage.

  • 7. Is pet insurance worth it for American Staffordshire Terriers?

    Pet insurance is worthwhile for American Staffordshire Terriers because
    they are just as vulnerable as other breeds to have a medical emergency or develop an ailment throughout their lives. And since urgent care fees can be costly, pet insurance can safeguard you financially so you can get your dog the finest care available, regardless of price.

    AmStaffs are prone to developing several conditions that can be quite costly to treat or heal. One such degenerative condition is hip dysplasia, which often leads to crippling osteo-arthritic pain and can even hinder your dog’s ability to walk. The most effective remedy is hip replacement surgery, which can cost as much as $7,000. Another condition that plagues American Staffordshire Terriers is cataracts. Cataracts are milky film-like substances that form over the eyeball and prevent light from entering the eye. Should this go untreated for too long, your AmStaff may end up blind. Cataract surgery is a routine procedure that tends to be quite successful but can easily cost $4,000. Pet insurance could help ease much of the financial strain of such emergencies.

More Details About Pet Insurance for American Staffordshire Terriers

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade provides dog parents with a number of advantages, such as affordable premiums, multiple pet discounts and comprehensive illness and accident coverage. They also feature a straightforward and user-friendly claim-filing system on their impressive mobile app. Another benefit is that they have an incredibly short 2-day accident waiting period. And those who purchase either homeowners’ or renters’ insurance alongside their dog’s insurance will receive a discount.

    Keep in mind: Should your AmStaff have a pre-existing condition, Lemonade may require you to submit documentation from your veterinarian attesting to your dog’s medical history.

    Good for: The majority of AmStaffs, especially those that are healthy and young.  

    Average price for American Staffordshire Terriers: $34.83/month 

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo promotes pet wellbeing by reimbursing up to 10% of vet fees for the rest of your policy year once your annual deductible has been met. They also issue super-fast reimbursements via direct deposit, Venmo or PayPal. AmStaff parents will be pleased to know that they can take their dogs to any veterinarian of their choice, and they will get a discount each time they renew their policies without any claim reimbursements in the year prior.

    Keep in mind: Wagmo limits lifetime benefits to $100,000. If your AmStaff’s care exceeds this threshold at any time, they will no longer be eligible for coverage.

    Good for: American Staffordshire owners who seek a well-balanced mix of emergency and preventative care coverage from their pet insurance provider.  

    Average price for American Staffordshire Terriers: $61.26/month 

  • 3. Figo

    (Best live vet support)

    Why it’s great: AmStaff parents will love Figo’s free 24/7 telehealth services, which are available via the mobile app. Another bonus is that all pets get uncapped lifetime benefits, which means they will retain coverage throughout their lives, regardless of the cumulative cost. Figo also has optional wellness packages that cater to various needs, including one that covers up to $250 in prescription food. What’s more, Figo fast tracks their claim review process, ensuring that it takes an average 3 days or less.

    Keep in mind: Figo does not cover pre-existing conditions.

    Good for: AmStaff owners who value having 24/7 televet services included with their insurance at no extra charge.  

    Average price for American Staffordshire Terriers: $66.26/month 

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp’s emergency fund protects up to 6 animals of any age, breed or health condition within your household for only $24 per month. AmStaff owners will also value the free pet expert consultations and 24/7 telehealth support. A major difference between Pawp and other providers is that Pawp has no credit checks, copays or deductibles. They also promise to pay your bills for any approved emergencies before you and your AmStaff leave the pet hospital.

    Keep in mind: The fund only provides for qualified emergencies as determined by Pawp’s virtual team of vets. More specifically, it only covers a single vet bill under $3,000 for one of your pets over the course of a year.

    Good for: American Staffordshire Terriers that are older or have pre-existing conditions. Makes for a solid supplement to a traditional pet insurance policy. 

    Price: $24/month 

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace gives AmStaff owners a panoply of advantages such as unlimited lifetime benefits, multiple pet discounts and diminishing deductibles. With a diminishing deductible, it will decrease by $50 each time you renew your policy and did not have any reimbursements in the year prior. Embrace also has a wellness package add-on covering new-age veterinary care, including reiki, chiropractic, massage therapy and acupuncture.

    Keep in mind: The total spend limit for the wellness plan is $650. Be aware that if you do not use all of the funds, they will not be refunded at the end of the year.

    Good for: AmStaff parents who want alternative veterinary care covered by their pet insurance provider.  

    Average price for American Staffordshire Terriers: $67.31/month 

Best Overall

Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider for American Staffordshire Terriers and they also offer the best value.


After reading this article, we hope that you now have a clearer understanding of the best pet insurance providers for your American Staffordshire Terrier. Purchasing the right insurance policy can help mitigate the financial burdens that inevitably come with medical emergencies so your best buddy can access the finest treatments and procedures whenever necessary. It will also give your dog extra support for wellness and preventative care. Ultimately, the healthier your dog, the higher the chance that they will get to share with you a long, happy and fun-filled life.