Dog Breeds / Pembroke Welsh Corgi
Best Pet Insurance for Pembroke Welsh Corgis (2026)
Pembroke Welsh Corgis are charming, intelligent herding dogs with a distinctive long body and short legs. That build puts them at high risk for intervertebral disc disease (IVDD) and back problems. Insurance is important for managing these spinal issues.
See Top Picks →🏆 Our Top Picks for Pembroke Welsh Corgis
Embrace
Best for spinal conditions
Healthy Paws
Best unlimited coverage
Pets Best
Best value option
Why Pembroke Welsh Corgis Need Insurance
Corgis face IVDD (back surgery can cost $5,000+), hip dysplasia, and degenerative myelopathy. Their long backs and short legs make them vulnerable to spinal injuries. Insurance helps cover these significant expenses.
Common Health Issues & Costs
| Condition | What It Is | Typical Cost |
|---|---|---|
| Intervertebral Disc Disease | Spinal disc problems | $3,000 - $8,000 |
| Hip Dysplasia | Joint malformation | $3,500 - $7,000 |
| Degenerative Myelopathy | Progressive spinal cord disease | $500 - $2,000 |
| Progressive Retinal Atrophy | Degenerative blindness | $500 - $2,000 |
| Von Willebrand Disease | Blood clotting disorder | $500 - $3,000 |
| Obesity | Weight-related complications | $200 - $500/year |
What to Look For in Pembroke Welsh Corgi Insurance
✓ Must-Have Coverage
- IVDD/spinal coverage — Back problems are very common
- Orthopedic coverage — Hip dysplasia occurs in Corgis
- Hereditary condition coverage — Multiple genetic conditions
- High annual limits — Back surgery is expensive
✗ Red Flags to Avoid
- IVDD or spinal exclusions
- Long orthopedic waiting periods
- Bilateral exclusions
- Low annual limits
Best Insurance Providers for Pembroke Welsh Corgis
Embrace
Best for Spinal Conditions
$35-55/mo
estimated monthly
Embrace offers strong coverage for IVDD and other spinal conditions. Their 6-month orthopedic wait is shorter than competitors—valuable for a breed prone to back issues.
Pros
- Good IVDD coverage
- 6-month orthopedic wait
- Covers hereditary conditions
- Prescription coverage
Cons
- Annual limits apply
- Wellness costs extra
Healthy Paws
Best Unlimited Coverage
$38-58/mo
estimated monthly
No caps mean your Corgi's back surgery, hip treatment, or any other condition is fully covered. Important for expensive spinal procedures.
Pros
- No annual or lifetime limits
- Covers hereditary conditions
- Fast claims processing
- No per-incident caps
Cons
- No wellness coverage
- 12-month orthopedic wait
Pets Best
Best Value Option
$30-50/mo
estimated monthly
Good coverage at competitive prices for Corgi owners. Covers hereditary conditions while keeping premiums affordable.
Pros
- Competitive pricing
- Covers hereditary conditions
- Multiple plan options
- Unlimited options available
Cons
- Some claim delays reported
- Customer service varies
How Much Does Pembroke Welsh Corgi Insurance Cost?
Pembroke Welsh Corgis have moderate insurance costs. Here's what to expect:
Puppy (8 weeks - 1 year)
$28 - $45/month
Adult (1-8 years)
$35 - $60/month
Senior (9+ years)
$55 - $95+/month
* Estimates based on average rates. Actual cost depends on your location, chosen deductible, reimbursement level, and coverage limits.
Frequently Asked Questions
Is pet insurance worth it for a Corgi?
Yes. Corgis are prone to IVDD (back surgery costs $5,000-8,000) and hip dysplasia. Their long-backed build makes spinal issues likely. Insurance helps manage these significant costs.
What is IVDD in Corgis?
Intervertebral Disc Disease occurs when spinal discs degenerate or herniate, causing pain, weakness, or paralysis. Corgis are at high risk due to their body shape. Treatment ranges from rest to emergency surgery.
Should I limit my Corgi's jumping?
Yes. Jumping on/off furniture stresses their spine and can trigger IVDD. Use ramps, keep them at healthy weight, and avoid activities that strain their back. This helps but doesn't eliminate risk.
What is degenerative myelopathy?
DM is a progressive disease affecting the spinal cord, causing hind leg weakness and eventual paralysis. There's no cure, but physical therapy helps maintain quality of life. Genetic testing can identify carriers.
Do Corgis have weight problems?
Yes—they love food and gain weight easily. Extra weight stresses their back and joints, increasing IVDD and dysplasia risk. Keeping your Corgi lean is one of the best things you can do for their health.
Protect Your Pembroke Welsh Corgi
Protect your Corgi from unexpected back problems and health costs. Compare quotes today.
Compare Top Providers →