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Best American Allaunt Pet Insurance of 2025

Lisa Scott

If you have an American Allaunt, 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.

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 an American Allaunt?

The American Alaunt is a beautiful and powerful dog that has been traditionally used for hunting, guarding, herding and fighting. It is the only dog from ancient times that has remained in its original form throughout the years. This proves that this breed is unique and extremely intelligent.

Medical treatment for your American Alluant can become very expensive, especially if they encounter a more severe issue that requires invasive treatment. Medical bills for treating a sick American Alluant 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 American Allaunt

Typically, an American Allaunt has a longer lifespan than the average dog. You can expect your dog to live somewhere between 10 to 12 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

Hip dysplasia: The hips of many American Alluants are not properly aligned and fit into their sockets. This condition is called hip dysplasia, making it difficult for them to walk or play. If your dog has hip dysplasia, you should take him in for regular checkups at the vet so that you can monitor the condition and take necessary action if needed.

Hypothyroidism: Some American Alluants develop an underactive thyroid gland which causes lethargy, weight gain, hair loss, and dull skin. The veterinarian will recommend medication to help treat this condition. Hypothyroidism can lead to other severe conditions such as diabetes mellitus or Cushing’s disease if left untreated.

Allergies: Alluants have been known to have skin allergies. Skin allergies are usually caused by an allergic reaction to flea saliva or food ingredients. If your dog is scratching excessively or shaking its head more than usual, it may have some food allergies or flea allergies. You should consult your veterinarian for testing if your dog is experiencing these symptoms. 

Epilepsy: This is a condition where a dog experiences recurrent seizures. It can be controlled with medication and a healthy lifestyle. A dog with two or more episodes should not be bred, as the condition is hereditary.

Progressive retinal atrophy (PRA): PRA is an inherited disease that affects the retina. The first symptom is usually night blindness, followed by vision loss during the day. It is not painful and does not affect a dog’s ability to be a loving companion. 

What does pet insurance cover for an American Allaunt?

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

  • Diagnostic and blood tests: If your American Alsatian is diagnosed with a condition like cancer or diabetes, diagnostic tests like ultrasounds and MRIs may be covered to determine the best course of treatment. Blood tests can also help vets diagnose conditions such as thyroid disease.
  • Hereditary and genetic conditions: Your dog’s breed could make him vulnerable to certain hereditary conditions. For example, large breeds like German Shepherds are more susceptible to hip dysplasia (a hip joint malformation). If your dog develops one of these conditions, insurance could help cover some of the treatment costs.
  • X-rays and surgeries: Some pet insurance plans cover X-rays and other imaging tests that can diagnose health problems in dogs. They may also help pay for surgeries like neuterings, spayings, and emergency procedures.
  • Medication and hospital stays: Pet insurance may not cover certain drugs or treatments, such as prescription diet food or pet supplements. Most policies also limit how much an insurer will pay for a hospital stay per visit.

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. You will need to take advantage of an individual wellness plan for this type of coverage 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 American Allaunt?

Pet insurance can give you peace of mind that you’ll be able to afford the best medical care for your pup if they ever get sick or injured. The average cost of pet insurance for an American Alluant dog ranges from $47.34 to $71.49 per month, depending on the deductible and reimbursement level.

How are pet insurance premiums determined for an American Allaunt?

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

  • Age: As your pet ages, their risk for specific health conditions increases. Younger dogs and cats tend to have lower premiums because they generally have fewer health issues than their older counterparts.
  • Location: Where you live can also impact your premium. Even if you live in an area with a high cost of living or where veterinary practices are more expensive, the more expensive, it is to insure pets.
  • Gender: Male dogs are more expensive to insure than female dogs because males tend to be more aggressive than females.
  • Medical history: Pet insurance companies may look at your pet’s medical history before approving or denying coverage for your pet. If your pet has had any pre-existing conditions that occurred before the effective date on their policy, there will be no coverage for those conditions under their policy.
  • Deductible:  This is the amount you pay out-of-pocket before your insurance company begins to reimburse you for covered expenses—a higher deductible results in lower monthly premiums.
  • Reimbursement rate: Reimbursement rates range from 70% to 90% of total covered costs. The reimbursement rate is an essential factor in calculating the difference between your overall monthly premium and what you could reasonably expect to spend on vet bills over time.
  • Coverage amount: This is the maximum amount you can claim per year or incident for covered services. A lower coverage amount means a lower monthly premium.

How to choose the best pet insurance plan for an American Alaunt

Many pet insurance options are available for an American Allaunt, 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: Your budget will most likely play a significant role in determining which plan you select. Some health insurance plans even allow you to change your premium amount during the year. Take some time to think about how much you are willing to pay each month and what kind of coverage you want before deciding on a plan.
  • Customer feedback: As with any service provider, it is always helpful to ask people who had used the service before what their experience was like. Ask friends, family members, and colleagues about their experiences with different health insurance providers and plans. A good reputation is one of the essential attributes of a suitable pet carrier; after all, no one wants to continue to drive around in a car that doesn’t work!
  • Conditions covered: Each pet insurance policy is different, so it’s essential to check what is included in your coverage. For example, some policies include hereditary or congenital conditions but exclude behavioral issues such as a fear of thunderstorms; others may exclude those who have behavioral problems. Always check what’s covered and not covered before you sign up for a policy.
  • Reimbursement rate: How much money you will receive from your insurer when you claim any medical expenses incurred while caring for your pet. The higher the reimbursement rate, the more money you will receive when making a claim. If you choose a low reimbursement rate, then it means lower cash-backs. 
  • Coverage amount: Basic pet insurance covers accidents and illnesses. You can also add other conditions like cancer care or even routine vet visits to your plan. The more coverage you purchase, the higher your premium will be.
  • Deductible: You can choose between annual or per-incident deductibles. A yearly deductible means that you’ll pay nothing for the rest of the year once you hit your deductible. With a per-incident deductible, you’ll have to pay again if your pet gets sick or injured during the year. 

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