If you have an Atlas Dog, chances are 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.
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
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
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
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
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
Pet insurance may be worth it if you have an Atlas Dog, a dog with an appetite for adventure.” Atlas Dogs” are often medium to large breeds like German shepherds and labradors. They’re high-energy and curious about the world around them, which means they’re more prone to injuries than other types of dogs.
Medical treatment for your Atlas Dog can become very expensive, especially if they encounter a more severe issue that requires invasive treatment. Medical bills for treating a sick Atlas Dog 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 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 Atlas Dog
Typically, an Atlas Dog has a longer lifespan than the average dog. You can expect your dog to live somewhere between 11 to 12 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:
Hip dysplasia: This is a genetic condition that causes inflammation of the joints in the hips. If your Atlas dog has hip dysplasia, he will have trouble standing up after sitting, lying down, or walking upstairs or on inclines. There are several types of treatment for this condition, including surgery.
Von Willebrand’s Disease: This is a genetic blood-clotting disorder. This disease can be challenging to diagnose because its symptoms are similar to other conditions such as hemophilia and immune system deficiencies. If your Atlas dog has Von Willebrand’s disease, he may have nosebleeds, prolonged bleeding from wounds, prolonged bleeding after surgery, or prolonged menstrual bleeding in female dogs. Your vet will test for this disease by drawing blood from your dog’s ear vein and analyzing it for the presence of the von Willebrand factor.
Elbow dysplasia: This condition also involves abnormal elbow joint development and causes lameness and arthritis, and inflammation. Take your dog to the vet if you suspect he has this condition, as surgery may be required.
Eye problems: The condition affects both eyes and causes them to water. There is no treatment as such, but the dog can be made comfortable with the help of anti-inflammatory drugs.
Thyroid issues: Hypothyroidism is common in many breeds of dogs, but especially so in the Atlas dog. While not life-threatening, it requires medication throughout your pet’s life. If you notice changes in your pet’s weight or eating habits, have them checked for thyroid issues as soon as possible.
Allergies: Allergies are one of the most common medical issues for dogs. They can manifest as skin irritation or respiratory issues. If your dog scratches a lot or has difficulty breathing, it might have allergies. The Atlas Dog has an allergy that causes itchy skin and hair loss.
Obesity: Obesity is a widespread health condition in dogs, especially in older dogs. It usually results when dogs are fed too much of the wrong foods and don’t get enough exercise. Obesity can lead to health complications, including diabetes, arthritis, and heart disease.
What does pet insurance cover for an Atlas Dog?
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: Most insurers cover the cost of veterinary exams, diagnostic testing, and medical procedures, such as X-rays.
Hereditary and genetic conditions: Hip dysplasia, cataracts, heart disease, etc.
X-rays and surgeries: Most pet insurers cover the cost of needed surgeries, including those related to a hereditary condition.
Medication and hospital stay: If your pet needs medication or a stay at an animal hospital, the pet insurance company can reimburse you for that expense.
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 a separate 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 Atlas Dog?
Pet Insurance protects your pet in the event of an unexpected illness or accident. It can save you thousands of dollars on vet bills, so you never have to worry about deciding between your pet’s life or paying medical bills. Typically, the average cost of insuring an Atlas Dog ranges between $20 to $50 per month.
How are pet insurance premiums determined for Atlas Dog?
Many factors will determine the monthly premium rate for your Atlas Dog (included but not limited to):
Age: The oldest pet you’ve insured is relevant to your premium because it will make the cost of re-insuring a more senior pet more expensive than a younger one.
Location: Insurance premiums tend to be high in areas that experience high vet costs; therefore, if you live in a room with a relatively higher price, then expect to pay more premiums.
Gender: Insurance companies will charge more for male dogs than female ones. This happens because male animals tend to be larger and have a longer life expectancy. Males also tend to have more healthcare needs and are more likely to get sick or injured than females are.
Medical history: Dogs with a history of cancer, for example, tend to have higher premiums than healthy dogs.
Deductible: This is the amount you must pay before we reimburse under your policy. Most Atlas plans come with a $100 deductible. Higher deductibles mean lower premiums, so if you’re looking to save money, this is one way to do it.
Reimbursement rate: This is the percentage of eligible vet bills that we will reimburse you for. A 90% reimbursement rate means we will refund you for 90% of the bill after the deductible.
Coverage amount: The higher the coverage, the more premium you will pay. You can choose your coverage limit, from $1,000 to $10,000 maximum per incident, regardless of the number of incidents. You can also add optional Wellness coverage.
How to choose the best pet insurance plan for an Atlas Dog
Many pet insurance options are available for an Atlas Dog, 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: How much can you afford to spend on pet insurance? There are plans available for all budgets, and some plans offer features that other plans don’t.
Customer feedback: What do other Atlas dog owners think about their pet insurance plan? Are they satisfied with the coverage amount and reimbursement rate? Do they think it’s a good value for the money? How does it compare to other plans? This information can help you determine whether or not an insurance company is worth considering when looking at pet insurance plans.
Conditions covered: Does the company cover a broad range of conditions? Some companies only cover life-threatening diseases, while others will cover more routine surgeries and other procedures. Be sure to read up on what each plan covers conditions before deciding which one to sign up for. Check to confirm if pre-existing conditions are covered.
Reimbursement rate: This is the percentage of your eligible vet bills covered. Standard rates are between 80% and 90%. The higher your reimbursement rate, the higher your premium will be.
Coverage amount: You can claim this maximum amount in one year. Make sure you choose a coverage amount that leaves enough room for medical emergencies.
Deductible: Most pet insurance companies will let you set a deductible, which is how much you’ll pay out of pocket before the insurer begins covering costs. You can choose to pay a higher premium with a lower deductible or vice versa.
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