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Best Alaskan Malamute Pet Insurance of 2022

Lisa Scott

A pet insurance plan for your Alaskan Malamute can be a great investment as it can ensure that your dog receives the best care possible. We have compiled a guide to help you select an insurance plan that is most suitable for your needs.

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.

Short waiting periods on accidental coverage

Unlimited

Coverage Up To

70% - 100%

Reimbursement Rates

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

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

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 Malamute?

An Alaskan Malamute is typically considered a healthy dog breed. However, they are known to have some hereditary health issues as they are a pure breed. Many veterinarians can charge up to $5000 to treat conditions like hip dysplasia, while other treatments can cost up to $20,000.

Paying these medical bills out-of-pocket can be extremely difficult for most people. With a good insurance plan, you could receive potentially 90 percent in reimbursement on these costs. It can be very beneficial to have pet insurance in case of an unexpected visit to the veterinarian’s office or for a medical emergency.

Common health conditions for an Alaskan Malamute

Alaskan Malamute’s can be susceptible to certain genetic health problems. Some of the most common health conditions among this breed are:

  • Chondrodysplasia: a rare condition that causes issues with cartilage growth and can often lead to dwarfism.
  • Diabetes mellitus: this causes an insulin deficiency that may require your dog to be on a special diet and exercise plan to keep things under control.
  • Inherited polyneuropathy: a genetic neuromuscular disorder that causes nerve damage. This results in muscle weakness and mass loss in affected dogs.
  • Eye problems: Alaskan Malamutes are prone to developing eye conditions like glaucoma, cataract and progressive retinal atrophy (PRA). These eye disorders can be very serious and result in loss of vision if left untreated.

What does pet insurance cover for an Alaskan Malamute?

Pet insurance typically covers medical costs to treat your Alaskan Malamute for an unexpected illness, injury, or accident. There are a few different types of pet insurance plans that you can choose from such as:

  • Accident-only plans: these plans provide coverage for accidents and injuries like poisoning, fractures, or getting hit by a car.
  • Accident and illness plans: this is the most commonly bought pet insurance plan and provides coverage for accidents as well as illnesses such as cancer, infections, etc.
  • Insurance with additional wellness: on top of accidents and illnesses, these plans provide additional coverage for vaccinations, burial, dental care etc.

Some insurance companies have an age limit for pets to be covered under an insurance plan. The age limit typically hovers around 14 years but can vary depending on the insurer. If your pet has been diagnosed with any pre-existing conditions, the condition will not be covered under the insurance plan. It is recommended that you insure your pet at a young age so should any conditions arise, they will be covered by your insurance provider. Pet owners should also be aware of exclusions before they decide on a policy.

How are premiums determined for an Alaskan Malamute?

The premium you pay for your Malamute’s insurance can vary depending on the following factors:

  • Insurance type: the type of coverage you get will greatly impact your premium. Typically, the more coverage you get the higher your premium will be.
  • Age, gender, and breed: these factors are taken into account when calculating your premium. Older dogs and male dogs are more expensive to insure in comparison to others. Your dog’s breed will also play a role in determining the premium as different breeds come with different health issues.
  • Location: depending on where you are located and your accessibility to a veterinarian, your premium cost for medical care can vary.

How to choose pet insurance for an Alaskan Malamute

When selecting an insurance plan that meets your pet’s needs, you will need to consider a few things. The following can be helpful tips to keep in mind:

  • Consider your pet’s needs: when you are shopping for an insurance policy, keep in mind your pet’s unique medical history. By comparing different policies, you will be able to find one that best fits your pet’s lifestyle and also meets your needs.
  • Compare insurers: it is in your best interest to compare different insurance providers before you pick a plan, as coverage may vary depending on the company. You must consider things like premiums, sample reimbursements, deductibles, etc.
  • Customer reviews: review the insurer’s customer service from current or past customers. Learn how they process their claims, how satisfied their clients are with their service, etc.

Medical expenditures for your pets can add up over time and put a lot of financial pressure on you. A good pet insurance plan will also take your financial situation into consideration so you don’t have to bargain for your pet’s care.