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Best Afghan Hound Pet Insurance of 2024

Lisa Scott

Afghan Hounds are prone to some health issues that could be costly to pay. Pet insurance can help with expensive vet visits when your pet gets sick or injured. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

Overview

MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.

What we like

  • Older cats and dogs are covered
  • Customize your plan to fit your pet's needs and financial situation
  • Customers from US can get covered in Canada as well
  • Unlimited live vet chat if an issue occurs with your pet
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Is pet insurance worth it for the Afghan Hound?

The Afghan Hound breed is prone to health issues such as hip dysplasia, elbow dysplasia, hypothyroidism, epilepsy, and eye problems such as cataracts and cherry eye. So pet insurance can help you pay for vet bills if these hereditary illnesses or accidents occur.

For the average purebred Afghan Hound, pet insurance’s common medical conditions include cancers and eye problems. The most common dog health problem for Afghan Hounds is bladder & urinary tract infections which can cause more without pet insurance.

The Afghan Hound is more than just their looks, though: They are also very active and friendly, but they can be challenging to train. Since the Afghan Hound needs regular grooming and has a strong prey drive, you’ll want to get him ready for any unexpected illnesses, injuries, or accidents with pet insurance.

 What’s unique about Afghan Hounds? These dogs are high-energy, hound-dog types that need at least 20 minutes of vigorous exercise every day. They can also be stubborn and hard to train, so if injured, pet insurance might be required.

Common health conditions for Afghan Hound

Some of the health conditions most commonly seen in Afghan Hound are :

  • Hip dysplasia: Hip dysplasia is a hereditary condition in which the thigh bone doesn’t fit snugly into the hip joint. Some Afghan Hounds show pain and lameness on one or both rear legs, but others don’t display outward signs of discomfort.
  • Von Willebrand’s disease: Von Willebrand’s disease is a bleeding disorder. It’s similar to hemophilia in people. The breed tends to show a mild form of the disease, but some are more severely affected. Symptoms include nosebleeds; bleeding from the mouth, vagina, or other mucous membranes. 
  • PRA blindness: This is an inherited disease that causes gradual vision loss and eventually blindness. PRA is caused by a mutation in the rod-or cone-specific guanylate cyclase gene (GNAT1). 
  • Hypothyroidism: Hypothyroidism is a common condition in Afghan Hounds. It’s caused by the immune system attacking the thyroid gland. The thyroid is an organ located near the throat, and its job is to store and release hormones that control metabolism. If the thyroid becomes damaged, it cannot make enough hormones to keep your body functioning well.
  • Allergies: Food allergies are one of the most common causes of skin conditions in Afghan Hounds. Signs of a food allergy may include itchy skin and ears, paw chewing, redness, and hair loss. Food allergies can pose enough of a problem to make your Hound’s life miserable. They should not be ignored.

What does pet insurance cover for an Afghan Hound?

Here’s what pet insurance generally covers:

  • Accident: The accident pet insurance policy provides coverage for accidents such as if your dog is hit by a car, eats something poisonous, or gets bitten by another animal.
  • Illness: illness plans cover ongoing conditions like cancer, allergies, and diabetes. 
  • Routine care:  This includes vaccinations recommended by your vet, parasite control, wellness exams, teeth and gums cleaning, spay/neuter surgeries, and prescription or therapeutic diets.

How are pet insurance premiums determined for Afghan Hound?

Here are the factors that affect Afghan Hound insurance premiums:

  • Age: A one-year-old is less likely to have health problems than an elderly dog, so premiums are higher for older dogs.
  • Deductible: The deductible is the amount of money you pay towards a claim before the insurance company contributes. Deductibles play a role in determining how much you will pay when you share the cost of your care with your insurance company. You can lower your insurance premium by increasing your out-of-pocket deductible. This means that you will pay more of the costs for pet care before any insurance coverage is offered for these services.
  • Gender:  Male dogs are typically more expensive to insure than female dogs. This is because males are more are likely to develop testicular or prostate cancer, which can be costly to treat if they are not insured.
  • Location: Location will affect the annual cost of your Afghan Hound insurance policy the most. Areas with a higher cost of living and more expensive veterinary care will result in higher premiums.

How to choose the best pet insurance plan for Afghan Hound

Here are some tips on how to choose the best pet insurance plan for your Afghan Hound:

  • Define your needs: The cheapest pet insurance plan may not be the best, so it’s essential to consider your needs and compare coverage from a few different providers..
  • Consider the budget: How much can you afford to spend? What type of monthly payment will fit into your budget? If you have a smaller budget, it’s best to get a high deductible plan. This way, if an emergency happens, you’re not paying out of pocket for something that could have been covered by pet insurance.
  • Consider pre-existing conditions: Many pet insurance plans do not cover pre-existing health conditions, and some offer limited coverage. Ask yourself what kind of coverage you’re looking for. If it’s just accidents, you may need less coverage. Still, if your dog has diabetes, you will want to cover unexpected things like a trip to the emergency room or additional medication.
  • Consider the company: Consider the company. Both your dog’s health and your finances are in their hands, so be sure you can trust them. Research the history of a company before buying a policy from them. How long have they been around? What is their track record of making claims payments? Do they have good reviews online? Check with the Better Business Bureau and the Department of Insurance in your state.

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