Best Akita Pet Insurance of September 2021

Lisa Scott

Pet insurance can help ensure that your pet receives the best care and finding the best pet insurance plan for your pet Akita can be difficult. We have put together the following information to help you make this decision.

Extensive coverage to help keep your pet healthy

$20,000

Annual Coverage

90%

Reimbursement Rate

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.

Customizable plan to fit your pet's needs

$10,000

Annual Coverage

90%

Reimbursement Rate

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Affordable prices with a fast reimbursement process

$100,000

Annual Coverage

90%

Reimbursement Rate

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

Pre-existing conditions and 6 pets covered for $19/m

$3,000

Annual Coverage

100%

Reimbursement Rate

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 $19, 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 $19
  • Allows coverage on 6 pets for $19 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

Is pet insurance worth it for an Akita?

Akitas are purebred dogs and therefore are prone to genetic health problems. Medical costs over your pet’s lifetime can cost you thousands of dollars. Very few people can afford to pay such high costs out of pocket.

Emergency visits to the vet can cost $200 to $500 and may require further treatment. Putting money aside to pay for such expenses can help you prepare to bear the financial burden of such expenses. However, a good pet insurance plan will lower your costs and get you up to 90 per cent in reimbursements.

Common Health conditions for an Akita

Akitas, like other purebred dogs, are prone to some genetic health issues. Some of the most common health issues in Akitas are:

  • Hip Dysplasia: This is a common skeletal condition among many dog breeds. It is a condition that is passed down genetically and causes misalignment of the hip joints with the hip sockets. Treatment may require surgery, physical therapy, etc. 
  • Von Willebrand Disease: This is a genetic condition that causes difficulties forming blood clots and can lead to excessive bleeding. Akitas is genetically prone to this disease and may require medication and extra care.
  • Myasthenia Gravis: Akitas are prone to developing this condition, but it is typically inherited. It is an autoimmune disease that causes a malfunction in the communication between nerves and muscles. Treatment would require your dog to be on medication and get regular checkups from the vet.

Akitas are predisposed to a few conditions that you should consider as a pet owner. However, with proper care and a good insurance plan, such issues can be well taken care of.

What does pet insurance cover for an Akita?

As a pet owner, it is almost essential to get pet insurance. This can save you a ton of stress and money over the long run. There are a few different types of insurance plans to choose from and the coverage you get can vary greatly depending on these plans.

  • Accident: Accidental coverage provides you cover for treatment in case of an emergency such as fracturing a leg or getting hit by a car.
  • Accident and illness: This type of insurance provides coverage for accidents and illnesses which may require treatment from medication to surgery, etc.
  • Optional add-ons: Many insurers allow you to get additional coverage as add-ons to your policy. You can get coverage for things such as acupuncture, third-party property damage, burial or cremation, etc.

Known chronic conditions that existed before applying for insurance are excluded from coverage by most insurance plans. Many insurers also exclude some breed-specific genetic issues. You must consider these exclusions before picking a plan.

How are premiums determined for Akitas?

As a pure breed, Akitas tend to be more at risk of certain genetic medical problems. Therefore, pet insurance for your Akita can be more expensive than other mixed breeds. Insurance premiums are decided based on a few different factors.

  • Insurance plan: Pet insurance plans can vary for different companies. The more coverage your plan provides, the more expensive it will be.
  • Pet’s Information: Your pet’s age, breed and gender will be taken into account when determining the insurance premium. Typically, these factors have an impact on your pet’s life expectancy and the health risks they face.
  • Location: Where you live determines what the medical costs for your pet would be like. Therefore, your premium is affected by your location.

How to choose the best pet insurance for an Akita?

Choosing a good insurance plan that provides you with the most relevant coverage for your Akita can be difficult. This is an important decision as your insurance plan will determine if your Akita will receive the care it needs. Here are a few things you should consider when making this decision:

  • Compare insurance providers: You should compare the plans and coverage different companies provide. Comparing things like price, deductibles, plan details, etc. side-by-side will help you make a better decision.
  • Research what is covered: Before you buy an insurance plan, you should look into what is covered by the policy. Many plans have certain exclusions and you don’t want to make a claim only to find out that your dog’s condition isn’t covered.
  • Know your needs: You should know exactly what you need to get a plan that works for you. This will require you to recognize your dog’s breed-specific needs, your financial circumstances, your surroundings, etc.