FurVerdict
Breed guide · financial context only

Boston Terrier pet insurance

Why insurance matters here

Boston Terriers come out high risk, mostly because of how they breathe. The modeled premium is $68 to $106 a month over ten metros, median around $80. The flat face is the whole story. Brachycephalic airway syndrome, the surgery that helps a Boston breathe normally, costs $500 to $1,500 for soft palate surgery. A modeled $80-a-month plan exists to make that an easy yes instead of a hard one.

Typical monthly premium

$68 – $106/mo

Boston Terrier modeled monthly premium, accident-and-illness. Modeled for budgeting, not a live insurer quote.

Cost outlook for the breed

Conditions, exclusions & premiums

Common condition cost ranges

Estimated out-of-pocket cost ranges for budgeting context only, not medical guidance.

Brachycephalic Obstructive Airway Syndrome (BOAS)$500 to $1,500 for soft palate surgery [Embrace]
Patellar Luxation$1,500 to $3,000 per knee [Embrace]
Cherry Eye$431 to $991 [CareCredit]

Policy exclusions to watch

  • Pre-existing conditions, including any sign or symptom noted in the records before the policy start date
  • Breed-linked conditions already documented at enrollment, which most insurers treat as pre-existing
  • Orthopedic waiting periods that apply with some insurers before hip, elbow, or cruciate claims are eligible
Cost and premium sources
  1. Embrace: Brachycephalic Syndrome (2026-09-23) Condition cost figure shown next to the condition on this page.
  2. Embrace: Patellar Luxation (2026-09-23) Condition cost figure shown next to the condition on this page.
  3. CareCredit: Cherry Eye Surgery Cost (2026-09-23) Condition cost figure shown next to the condition on this page.
  4. NAPHIA 2025 State of the Industry Report Highlights (modeled-premium baseline) (2026-09-23) Section 4 US accident-and-illness averages ($749.29 dog, $386.47 cat, 2024) behind the modeled per-state figures.
Cost and premium data last reviewed . How we model these figures.