FROM OUR PARTNERS

Best Armant Pet Insurance of 2024

Lisa Scott

If you have an Armant, 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 Armant?

Amant dogs are known for their beautiful, long coats. They also have a double coat which sheds heavily twice per year and less often throughout the rest of the year. Grooming your Armant regularly will prevent matting and knots. The breed has a high energy level and needs regular exercise. Amant dogs need at least an hour of activity every day to stay healthy and prevent boredom and destructive behavior.

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

Typically, an Armant has a longer lifespan than the average dog. You can expect your dog to live somewhere between 13 to 15 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

  • Dwarfism & skeletal malformations: The most common malformation in Armants is achondroplasia, more commonly known as dwarfism. Pups with this condition have abnormally short legs and abnormal growth plates. The condition gets worse as the dog ages, causing lameness and pain. Dwarfism is usually diagnosed by the time the dog is one year old.
  • Hip dysplasia: Skeletal malformations can also cause hip dysplasia, a common condition in which the hip socket and leg bones don’t fit properly, resulting in pain and difficulty walking. Nutritional deficiencies can also cause this during growth and development, so it’s essential to make sure your Armant gets high-quality puppy food during the first year of life if you want to avoid this painful condition.
  • Progressive retinal atrophy (PRA): PRA is an eye disease that causes blindness in older dogs. It occurs when the retina begins to deteriorate. Many different breeds are affected by PRA, and there is no cure, although some forms of the disease can be treated with medication and surgery. 
  • Patellar luxation: The patella is a small bone that serves as a shield for your dog’s knee joint. Patellar luxation occurs when one or both kneecaps slide out of place. This is a genetic condition that can be exacerbated by injury or obesity. Symptoms include lameness or an unusual gait in one or both hind legs. If it’s not caught early enough, it could result in arthritis later.
  • Cataracts: This condition clouds the eyes’ lenses, leading to impaired vision and eventual blindness if untreated. Cataracts are evaluated by having your veterinarian evaluate your dog’s eyes and assign them a corresponding grade based on their severity. 

What does pet insurance cover for an Armant?

Pet insurance covers a range of diagnostics, treatments, and procedures for your dog. Depending on the pet insurance plan, 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: The vet can perform several tests to determine what’s wrong with your dog, including blood tests, urinalysis and ultrasounds. Each test has a price tag, which can add up quickly.
  • Hereditary and genetic conditions: Some breeds, such as German Shepherds and Golden Retrievers, are more likely to develop certain conditions like hip dysplasia. Pet insurance will cover the cost of getting a diagnosis and treatment for the condition.
  • X-rays and surgeries: If your Armant needs surgery or X-rays to get better, you won’t have to worry about how much it’ll cost at the vet. After your deductible, your insurance will take care of most of it (or all of it, with reimbursement).
  • Medication and hospital stays: Depending on how ill or injured your dog is, you may need to bring it to the vet for medication or a hospital stay. This can be expensive in addition to care like surgery or X-rays. Your pet insurance will help cover this cost as well.

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 before registering 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 Armant?

The average cost of pet insurance for an Armant dog is about $88 per month or $1,050 per year. Keep in mind that this is just an average cost based on research. Your actual costs will depend on your dog’s age, breed and any pre-existing conditions they may have.

How are pet insurance premiums determined for an Armant?

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

  • Age: The younger the dog, the cheaper the insurance policy. Premiums will increase every year, so it’s best to get a policy while your pet is still young and healthy.
  • Location: Premiums for Armant dog insurance can vary depending on where you live — if you live in a city with a high cost of living, you may pay more for pet insurance.
  • Gender: For many insurers, the male dog is considered a higher risk to insure because of the higher incidence of fights and aggression.
  • Medical history: Vets can assess the medical history of your Armant with a thorough exam and any existing medical records. If this shows that you need to place a lot of claims, your premiums will be higher than someone who places fewer claims.
  • Deductible: The deductible is the amount you pay out-of-pocket before your pet insurance covers the rest. Higher deductibles lower your monthly premiums, while lower deductibles raise your monthly premiums.
  • Reimbursement rate: The reimbursement rate is how much you’ll get back after filing a claim. Higher reimbursement rates mean higher monthly premiums, while lower rates mean lower monthly premiums.
  • Coverage amount: The maximum amount paid per incident is called the coverage amount. Higher coverage means higher premiums, but you’ll have more protection if a significant event occurs for your dog.

How to choose the best pet insurance plan for an Armant

Many pet insurance options are available for an Armant, 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: What can you realistically afford every month? If you’re on a budget, you may want to think about getting coverage with a lower premium and higher deductible. As long as you can cover your pet’s veterinary costs, you’ll be able to save money while still providing excellent medical care. 
  • Customer feedback: Ask your veterinarian and recent clients for recommendations. There are two types of pet insurance: traditional plans with annual premium payments and pay-as-you-go plans, where you pay premiums on an as-needed basis. The second option typically provides better value than the former because you pay less if you only pay when you need coverage.
  • Conditions covered: It’s essential to read through the fine print to understand what is covered under each plan and what isn’t. For example, some plans won’t cover pre-existing conditions, while others will cover hereditary conditions like hip dysplasia.
  • Reimbursement rate: This is how much of your vet bills you’ll be reimbursed for. Most plans are set up to pay 80% or 90%, but it varies widely. Some policies will refund you 100% after you meet a deductible amount. Get as high a reimbursement rate as you can because it will save you money in the long run.
  • Coverage amount: The maximum annual payout amount covered by the policy is roughly based on the dog’s weight and how much it costs to take care of a dog in its specific age group in your area. Consider what kind of coverage you need and choose a policy that allows you to customize it with options such as additional doctors or hospitals.
  • Deductible: Make sure this is set at a comfortable level for you, as the deductible is something you’ll have to pay all at once if your pet needs treatment. Each incident may require a new deductible payment, so if your pet has multiple health issues, you won’t necessarily have to pay only one deductible.

Ultimate Guide to Keep Your Pet Happy and Healthy
Learn how to provide the best care for your furry friend with practical tips and expert advice in this FREE comprehensive e-book.
GET THE EBOOK