Best Basenji Pet Insurance of October 2021

Lisa Scott

If you are a Basenji owner, getting a good pet insurance plan can prove to be critical because it can help with covering your pet’s medical cost in case of an emergency.

Customizable plan to fit your pet's needs

$10,000

Annual Coverage

90%

Reimbursement Rate

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Extensive coverage to help keep your pet healthy

$20,000

Annual Coverage

90%

Reimbursement Rate

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.

Affordable prices with a fast reimbursement process

$100,000

Annual Coverage

90%

Reimbursement Rate

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 $19/m

$3,000

Annual Coverage

100%

Reimbursement Rate

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 $19, 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 $19
  • Allows coverage on 6 pets for $19 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 a Basenji?

A survey conducted by the Kennel Club in 2004 showed that Basenjis can be susceptible to certain health complications like bladder infections, dermatitis, etc. Treatment for such issues can cost pet owners a fortune and keeping up with such costs can prove to be difficult for most.

Saving up cash to be able to pay for these medical bills may sound like a good idea but if you have an insurance plan it can help you lower these costs significantly. Most insurance policies will get you 70% to 90% reimbursements on these expenses.

Common health conditions for a Basenji

Basenjis are typically a healthy dog breed but they can be susceptible to genetic health problems. Some of the most commonly occurring health issues in Basenjis are:

  • Hypothyroidism: This is a common condition in Basenjis which affects the thyroid gland and can result in slowed bodily functions. Some of the common signs of hyperthyroidism are weight gain, lethargy, skin problems, etc.
  • Fanconi syndrome: This is a kidney disease that affects the processing of certain substances. This results in some sugars that should be absorbed into the bloodstream, but are instead being released into the urine.
  • Coloboma: This is a genetic disorder in which some areas in or around the eye fails to develop normal tissue. It can affect the iris, the lens, the optic nerve or even eyelids.

What does pet insurance cover for a Basenji?

There are a few different types of insurance plans you can choose from, depending on the coverage you are looking for.

  • Accident only: These plans will cover your expenses only if the medical costs are a result of an accident.
  • Accident and illness: This is the most commonly purchased pet insurance. It provides good all-around care as it covers medical costs for accidents and illnesses. 
  • Wellness add on: Certain insurers allow their clients to buy additional coverage on top of their insurance policies to cover expenses like routine vet visits, burial or cremation, dental care, etc.

Pre-existing conditions are excluded from coverage by most insurers. Typically, pregnancy, death, or theft are also not covered. It is a good idea to inquire about these exclusions before you make a decision.

How are pet insurance premiums determined for a Basenji?

The insurance premiums for your Basenji can vary greatly depending on a few factors. Some of the factors that play a role in deciding your insurance costs are: 

  • Insurance plan: The insurance type you choose will affect the insurance premium since the more coverage you opt for, the more expensive it will be.
  • Pet’s information: Your dog’s breed, age and gender are taken into account when determining your insurance premium. Dog breeds that are more prone to health complications have higher premiums. Male and older dogs have higher premiums as well.
  • Your location: Where you are located will affect the insurance premium you pay. Typically, medical care for pets are more expensive in bigger cities which results in higher premiums.

How to choose the best pet Insurance for a Basenji?

Searching for the best insurance plan for your Basenji can be a difficult task. Picking a plan that will meet your and your pet’s needs will require you to do some homework but can be a life-saver in the long run. Some factors you should consider before you buy an insurance plan for your pet are:

  • Comparing insurance providers: A side-by-side comparison of different insurance providers can be very beneficial. This will give you the relevant information you need to find a plan and provider that will give you the coverage you need for the best price.
  • Your dog’s needs: Different dog breeds are known to be susceptible to different health issues and learning about your pet’s potential health problems will help you make a more educated decision. 
  • The coverage: You should talk to your insurance provider and clarify what is covered and what is excluded from coverage. You do not want to end up in a situation where you make a claim only to get denied because that condition is not covered.