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Best American Eskimo Dog Insurance of 2025

Lisa Scott

American Eskimo dogs 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 an American Eskimo dog

If you’re the proud parent of an American Eskimo dog, you want to make sure your pooch has the best possible care. That’s where pet insurance comes in.

The best American Eskimo Dog insurance will cover most of the expenses and give you peace of mind. Buying it is a great investment.

The pets are highly energetic and intelligent, and they’re usually eager to please their owners. However, despite their happy-go-lucky nature, American Eskimo dogs come with some health problems that can be expensive to treat. This means that a pet insurance policy can help you save money on your dog’s veterinary care.

Pet insurance for these dogs will cover accidents and illnesses, as well as preventive care like vaccines and check-ups. Some plans even provide coverage for grooming and boarding. Pet insurance is a good idea for any pet owner, but it’s especially important for owners of American Eskimo dogs.

Common health conditions for an American Eskimo dog

It is important to be aware of the most common health concerns that could affect your dog. The more you know and understand about the breed, the better you will be able to care for your Eskie. Here are some of the most common health problems in American Eskimos:

  • Hip Dysplasia: This is a very common condition that affects large breeds of dogs, including the American Eskimo. It can be quite painful for your dog and potentially crippling if it is not treated properly. With hip dysplasia, the hip joint does not develop properly and will eventually deteriorate over time. This can lead to pain, limping, lack of activity, and other signs that something is wrong with your dog.
  • Knee Problems: Both patellar luxation (knee cap dislocation) and cruciate ligament tears are two common knee problems that are seen in American Eskimos. These conditions can cause pain and lameness in one or both legs and require medical attention.
  • Progressive Retinal Atrophy (PRA): This is a degenerative condition that affects the retina, causing dogs to become progressively

What does pet insurance cover for an American Eskimo dog

These breeds are generally healthy, but like all dogs, they’re susceptible to complications like parvovirus, infectious hepatitis, and rabies. As a responsible pet parent, you know that regular checkups and preventive care can help catch potential health issues before they become major problems. That’s why pet insurance from Nationwide could be a smart investment for your American Eskimo dog. It covers the following:

  • Accidents: An accident can happen anywhere and at any time. Pet insurance helps to protect your dog against the financial risk of an unexpected accident or injury. Accident coverage is typically included in most pet insurance plans.
  • Illness: Illnesses are another common problem that may be covered by some pet insurance plans. Common illnesses like hip dysplasia and knee problems can be very costly to treat and pet health insurance can help cover those costs.
  • Routine care: Routine care is recommended by veterinarians to keep your dog healthy and happy, but it can get expensive over time. Routine care may include things like teeth cleanings and annual check-ups. Some pet insurance companies also offer wellness plans that specifically cover routine care expenses for a small monthly premium.

How are pet insurance premiums determined for an American Eskimo dog

Each pet insurance company determines its premium using different factors. It’s important to compare premiums based on the same pet,  address, and deductible. American Eskimo dog’s pet insurance premiums are determined based on these factors.

  • Your location: premiums vary depending on where you live and how much veterinary care costs in that area. This is because veterinary bills can vary by region.
  • Your dog’s age: as your dog gets older, premiums will increase each year because he or she is more likely to get sick or have an accident or injury.
  • Your deductible: this is the amount you pay out-of-pocket before your insurance coverage kicks in each year. The higher your deductible, the lower your insurance premium will be.
  • Your dog’s gender: this isn’t a major factor, but female Eskimo dogs are generally healthier than male dogs and therefore may receive lower premiums.

How to choose the best pet insurance plan for an American Eskimo dog

 There are lots of insurance companies out there, all offering different packages for your American Eskimo dog. Here are some things to consider when looking for pet insurance for your American Eskimo:

  • Check out the company’s reputation: Before signing on with any pet insurance company, look into what their customer service is like and how their customers feel about them. You can do this by checking review sites like Yelp and Google Reviews or by asking around to friends and family who use pet insurance.
  • Consider your budget: There is a wide range of pet insurance options available, so you’ll want to find something that fits into your budget. If you’re on a tight budget, consider a plan that covers accidents only (instead of both accidents and illnesses). Or if you’re trying to keep costs down, look into plans with larger deductibles.
  • Consider pre-existing conditions: Not all pet insurance companies cover pre-existing conditions. If your dog has any pre-existing issues, read up on the policy to see if it will be covered by the plan you’re considering.

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