Best Alaskan Husky Pet Insurance of 2022

Lisa Scott

If you have an Alaskan Husky, they’ve already become a loved member of your family. Keep them healthy and safe by considering quality pet insurance for expensive veterinarian bills. To help you with this process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

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.

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

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

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.

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

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

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

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

$3,000

Coverage Up To

100%

Reimbursement Rates

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

Is pet insurance worth it for an Alaskan Husky?

When Alaskan Huskies are not pulling a sled or being walked by their owners, they’re running and generally getting plenty of exercise. This keeps them fit and healthy, but it also means they are more prone to get injured.

Medical treatment for your Alaskan Husky can become very expensive, especially if they encounter a more severe issue that requires invasive treatment. Medical bills for treating a sick Alaskan Husky can quickly add up, costing up to a few thousand dollars. In these situations, you don’t want to be in the middle of a crisis and have to choose between your beloved dog and the affordability of their medical treatment.

To prepare for these unexpected circumstances, consider investing in pet insurance. It can help you afford your dog’s medical treatments and procedures while focusing on your dog’s recovery. 

Pet insurance can also provide peace of mind that your dog can be covered for the necessary treatments when it has an accident, injury, or illness. This includes (but is not limited to) broken bones, cancer treatment, harm caused by another animal, and prescriptions for chronic conditions. Therefore, pet insurance can be essential and beneficial for your pet.

Common health conditions for an Alaskan Husky

Typically, an Alaskan Husky has a longer lifespan than the average dog. You can expect your dog to live somewhere between 12 – 16 years. However, like all dog breeds, there are certain medical conditions that your  dog could develop, such as:

  • Hip dysplasia: This genetic condition occurs when the hip socket doesn’t fully cover the ball portion of the upper femur. This causes a hip syndrome, which can cause pain, lameness, and arthritis.
  • Eye problems: Cataracts, glaucoma, progressive retinal atrophy (PRA), corneal dystrophy, and distichiasis are some eye problems that may happen to your Alaskan Husky. These eye problems might also cause blindness.
  • Collie eye anomaly (CEA): CEA is a genetic disorder characterized by various abnormalities affecting the eye’s choroid and retina. It is a congenital disease, but it doesn’t always affect eyesight. Many collies don’t ever show symptoms or signs of CEA, while others will have reduced vision or blindness at birth or during their first year of life.
  • Hypothyroidism: A disease in which the thyroid gland does not produce enough of certain important hormones. Alaskan Huskies are one of the breeds that can be affected by this condition. Symptoms include lethargy, weight gain, and intolerance to cold temperatures. 
  • Cryptorchidism: This occurs when a male puppy’s testicles do not descend into the scrotal sac, it usually resides at birth. This condition is generally treated surgically in dogs because it increases their risk of developing testicular cancer later in life if left untreated. 

What does pet insurance cover for an Alaskan Husky?

Pet insurance covers a range of diagnostics, treatments, and procedures for your dog. Depending on the pet insurance plan, you may be substituted for injury-only, illness-only, or a combination of the two. Based on your plan, you are eligible for the following coverage:

  • Diagnostic and blood tests: Diagnostics like X-rays, MRIs, and CT scans are common methods for diagnosing medical issues in pets. Blood tests are also often necessary to properly diagnose medical problems, including kidney failure and diabetes.
  • Hereditary and genetic conditions: Common hereditary conditions in dogs include hip dysplasia (a hip joint condition), elbow dysplasia (a condition that affects the elbow), and cataracts (cloudiness in the eye). Hereditary conditions are often present at birth or manifest early in life. Genetic disorders occur later in life or develop as pet ages.
  • X-rays and surgeries: If your dog gets hit by a car, you might need to take it for x-rays and maybe even surgery. If it has cancer and the vet needs to operate to remove it, you’ll want pet insurance coverage for that as well.
  • Medication and hospital stays: This is probably the most common expenses covered by pet insurance plans. For example, if your dog got sick from eating something poisonous (or started chewing on your shoes), you’d have to pay for medication and hospital stays that could cost thousands of dollars.

Pet insurance covers a range of treatments, but it does not cover preventative or wellness care. Regular check-ups with the veterinarian will not be covered under most pet insurance plans. For this type of coverage, you will need to take advantage of an individual wellness plan or see if the provider has any add-ons for wellness visits. Most providers usually do have it as an add-on.

Moreover, most insurance providers will not cover pre-existing conditions established before you registered your pet for coverage. Review everything your potential pet insurance plan covers and what types of pre-existing conditions they exclude to ensure your pet will be eligible for coverage.

How much does pet insurance cost for an Alaskan Husky?

Alaskan Huskies have moderate premiums because they are considered an active breed and may be more prone to injuries related to their activity level. The average cost of pet insurance for an Alaskan Husky is $41.47 per month or $496.64 per year. 

How are pet insurance premiums determined for an Alaskan Husky?

Many factors will determine the monthly premium rate for your Alaskan Husky (included but not limited to):

  • Age: The older your dog is, the more likely it will have health problems. The cost of insuring your dog will increase as they age.
  • Location: Your location influences your monthly pet insurance premium because it impacts what a veterinarian visit costs in your area. Parts of the country with a higher cost of living often have higher veterinary bills than areas with a lower cost of living.
  • Gender: Male dogs get into more fights than females, so their policies tend to be more expensive.
  • Medical history: If your Alaskan Husky has a pre-existing medical condition or has been diagnosed with an illness in the past, you may pay more for coverage. Some conditions aren’t covered, so it’s important to know what you’re buying.
  • Deductible:  The deductible is the amount you have to pay out-of-pocket before your insurance starts paying out on claims. A higher deductible will lower your monthly premium, while a lower deductible will increase your monthly premium.
  • Reimbursement rate: Your reimbursement rate is what percentage of covered costs you’ll be reimbursed after paying your deductible. A higher reimbursement means a higher premium and vice versa.
  • Coverage amount: Insurance companies also determine how much coverage you’re buying. If you choose a policy with high annual limits and unlimited lifetime benefits, it will cost more than one that caps yearly and lifetime benefits. 

How to choose the best pet insurance plan for an Alaskan Husky

Many pet insurance options are available for an Alaskan Husky, so how do you choose the best one? Here are some key factors to keep in mind as you are deciding on the right plan: 

  • Budget: You need to consider what you can afford each month before you start looking for a plan. Many plans have options that let you pay monthly or yearly, so you’ll want to find one that fits your budget.
  • Customer feedback: Ask for references from other Alaskan Husky owners who have taken out pet insurance policies. You can also speak to your vet about their experience.
  • Conditions covered: Some companies cover accidents only while others cover accidents and illnesses. Some cover major medical problems only, while others cover routine care, such as checkups, vaccinations, and teeth cleaning. Also, look at which treatments are covered and excluded from coverage.
  • Reimbursement rate: A 100% reimbursement rate plan means that you will get all your money back. A plan with an 80% reimbursement rate means that you will only get 80% of what you paid back. Many plans offer customizable reimbursement rates. Choosing a higher reimbursement rate will usually mean higher monthly payments.  
  • Coverage amount: Choose a coverage amount based on what you can afford each month and what you think your annual costs might be. Consider how often you expect to take your Alaskan Husky to the vet, whether young or elderly, and if any pre-existing conditions might require expensive treatment.
  • Deductible: The deductible is the amount of money you will pay out of pocket before the insurance company begins paying its bill. A higher deductible means lower monthly payments. Choose the deductible that makes sense for your budget, considering how often you visit the vet.