Maltese insurance in Washington: cost and what to look for
Tiny white companion; teeth, knees and liver shunts are the known issues.
What a Maltese costs to insure by age in Washington
| Age | Low | Typical | High |
|---|---|---|---|
| Puppy (under 1) | $31/mo | $40/mo | $52/mo |
| 2 years | $35/mo | $45/mo | $58/mo |
| 5 years | $42/mo | $54/mo | $70/mo |
| 8 years | $56/mo | $72/mo | $93/mo |
| 11 years | $77/mo | $99/mo | $128/mo |
Estimates are modeled from published insurer rates and claims data, not quotes. Enrolling early matters: a Maltese insured as a puppy pays about 44% less per month than one enrolled at 8, and anything diagnosed before enrollment is excluded as pre-existing.
Conditions Malteses are known for, and what they cost
These are the claims that make or break a policy for this breed. Check that the insurer covers hereditary and congenital conditions, and mind the annual limit.
| Condition | How common | Typical treatment cost | Notes |
|---|---|---|---|
| Dental disease | very common | $400 to $2,000 | Periodontal disease and extractions, very common in small breeds. |
| Collapsing trachea | common | $500 to $5,000 | Weak windpipe cartilage in toy breeds; medication, stent surgery in severe cases. |
| Patellar luxation | common | $1,500 to $4,000 | Dislocating kneecap, common in small breeds; surgical correction in moderate to severe cases. |
| Eye conditions (cataracts, PRA, cherry eye) | common | $500 to $4,000 | Hereditary eye problems; cataract surgery is the expensive end. |
| Heart disease (DCM / MVD) | occasional | $1,000 to $5,000 | Cardiomyopathy or valve disease; diagnostics and lifelong medication. |
Insurers for a Maltese in Washington
Estimated monthly price for a 2-year-old at 80% reimbursement and a $250 deductible. Click through to get a real quote from the insurer.
Maltese insurance in other states
Questions people ask about insuring a Maltese
Is pet insurance worth it for a Maltese?
For breeds with a known list of expensive hereditary conditions, the math usually works if you enroll young and keep the policy. One dental disease claim ($400 to $2,000) can exceed several years of premiums.
What reimbursement and deductible should I pick?
80% and a $250 to $500 deductible is the common middle ground. A higher deductible cuts the premium about 15% but you carry more of each bill.
Does insurance cover conditions my dog already has?
No. Anything diagnosed or showing symptoms before enrollment (or during the waiting period) is excluded as pre-existing. Some insurers, like Embrace, reconsider curable conditions after a symptom-free year.
Why is the price different in Washington?
Premiums track local vet costs. Urban coastal states run 20 to 30% above the national average; parts of the Midwest and South run below it.
Get a price alert for your breed
We track premiums monthly. We will email you when prices move for your dog, and nothing else.