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Best Basset Artesien Normand Pet Insurance of 2024

Lisa Scott

If you have a Basset Artesien Normand, 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 a Basset Artesien Normand?

Barset Artesien Normand is one of the most popular small dog breeds. They live long lives and are generally healthy, but they are prone to a few health issues that you will want to watch out for.

Medical treatment for your Basset Artesien Normand can become very expensive, especially if they encounter a more severe issue that requires invasive treatment. Medical bills for treating a sick Basset Artesien Normand can quickly add up, costing 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 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. It 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 a Basset Artesien Normand

Typically, a Basset Artesien Normand has a longer lifespan than the average dog. You can expect your dog to live somewhere between 12 to 15 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

  • Bloating: is a common problem with Basset Hounds due to their deep chest. A Basset’s temperament can contribute to the issue by causing them to eat too fast or gulp air when they eat. Bloating can be corrected, but it can be fatal for the dog if left untreated.
  •  Intervertebral disc disease: a condition where the discs between the vertebrae in the spine bulge outward and compress the spinal cord. This condition can cause pain, nerve damage, or paralysis below the point of compression and potentially lead to incontinence and loss of sensation in their hind legs. Dogs who show signs of this disease should be taken to a vet as soon as possible for treatment.
  • Ear infections: Their long ears hang down and block air circulation in the ear canal. This allows bacteria and yeast to grow unchecked and cause painful conditions. Ear infections can be treated with antibiotics and cleaning solutions, but prevention is often the best option. Make sure you clean your dog’s ears regularly with a veterinarian-approved solution.
  • Hip dysplasia: Hip replacement surgeries have become increasingly common as hip dysplasia has been diagnosed more frequently. Your veterinarian can perform X-rays to diagnose whether your Basset Artesien Normand has hip dysplasia or a torn cruciate ligament, another common joint issue.
  • Eye problem: so it’s essential to watch for any signs of discomfort or redness. Expect your dog to be sensitive to sunlight and wear a hat when you’re out on long walks. If you notice your dog squinting or holding an eye closed, contact your veterinarian immediately, as these can be symptoms of a serious condition.

What does pet insurance cover for a Basset Artesien Normand?

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

  • Diagnostic and blood tests: Most conditions start with diagnostic tests, including X-rays, blood work, and urinalysis. Both accident-only and comprehensive plans usually cover these.
  • Hereditary and genetic conditions: Hereditary conditions are passed down through generations of pets, whereas genetic diseases happen due to a mutation in their DNA. Not all plans cover these conditions, but many will at least offer them as an add-on rider or optional coverage.
  • X-rays and surgeries: X-rays are ordinary in diagnosing injuries or illnesses, so most plans will cover this type of test and surgeries performed to treat a condition.
  • Medication and hospital stay: Most plans will pay for these costs if your pet is prescribed medication for a chronic condition or an emergency.

Pet insurance covers a range of treatments, but it does not cover preventative or wellness care. A regular check-up will not be covered under most pet insurance plans. You will need to take advantage of a different 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 a Basset Artesien Normand?

The average cost of pet insurance for a Basset Artesien Normand is $45.42 per month and $544.04 yearly. 

How are pet insurance premiums determined for a Basset Artesien Normand?

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

  • Age: Younger dogs have fewer medical conditions and are less likely to develop them in the future than older dogs.
  • Location: Where you live also affects your premiums. Dogs in densely populated areas with higher veterinary costs will pay more for insurance than those in rural areas with lower veterinary costs.
  • Gender: Intact males are typically more expensive to insure than neutered males or females because they have a higher risk of developing prostate cancer. Females who aren’t spayed could develop mammary tumors that require costly treatment.
  • Medical history: A Basset Artesien Normand with no previous health conditions will have lower premiums than one that has had surgery or another serious illness. Your pet’s current health can also affect the cost of your premium; if your dog has certain conditions, you might be charged more for insurance based on their condition and the potential for future treatments.
  • Deductible: This is how much you’ll spend out of pocket before your pet insurance company reimburses you for a covered service or procedure. The higher the deductible, the lower your monthly premium will be.
  • Reimbursement rate: The higher your reimbursement rate, the more you’ll pay in premiums.
  • Coverage amount: Your monthly premium will be lower if you choose a plan with a smaller coverage amount.

How to choose the best pet insurance plan for a Basset Artesien Normand

Many pet insurance options are available for a Basset Artesien Normand, 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: 

  • Customer feedback: Check out what other pet owners say about their insurance companies’ experiences. How was their claims process? How did customer service treat them? Did they receive the compensation they expected? It’s also good to learn about previous customers’ issues to know what to expect.
  • Budget: How much can you afford to pay for insurance each month? This should be the first thing you determine. It will choose the type of coverage you can afford and how much risk your pet faces.
  • Conditions covered: Some policies cover only accidents and injuries, while others may also cover illnesses, such as cancer. It’s also essential to understand any limits on coverage of pre-existing conditions.
  • Reimbursement rate: Some plans pay a percentage of your vet bill after you meet your deductible, while others reimburse your costs after discounting for things like age, breed, and other factors.
  • Deductible: Some plans require paying a fixed amount before the insurer kicks in any money. Others need you to meet an annual deductible, which means you’ll pay twice as much if your pet gets sick in January and July. (Some plans allow you to choose between these options.)
  • Coverage amount: Some policies have a maximum annual amount they’ll cover each year, while others have lifetime limits.

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