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Best Basset Hound Pet Insurance of October 2022

Lisa Scott

Basset Hounds are typically a healthy breed of dogs but all dogs can develop critical illnesses. As a pet owner, it is recommended to consider pet insurance to ensure that in case of emergencies your pet will receive the required treatment. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

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.

Short waiting periods on accidental coverage

Unlimited

Coverage Up To

70% - 100%

Reimbursement Rates

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

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

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 $24/m

$3,000

Coverage Up To

100%

Reimbursement Rates

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

Is pet insurance worth it for a Basset Hound?

Proper exercise and good nutrition can help your Basset hound live a healthy life. However, you never know when your dog develops an illness or gets into an accident. Treatment for certain conditions and injuries for your pet can cost you thousands of dollars. 4 out of 5 pet owners are not prepared to pay for such expenses out of their pocket.

A good pet insurance plan will help you get reimbursed for medical bills. If you do your research and buy a good insurance plan, you can be at peace knowing that your pet will receive good care in case of an emergency and it won’t cost you a fortune.

How are pet insurance premiums determine for a Basset Hound?

Insurance premiums are the monthly fees you pay to get your pet insurance coverage. This premium can vary based on these factors.

  • Breed: Different dog breeds are susceptible to different conditions with varying complexities and severity. Breeds that are more prone to develop critical illnesses are more expensive to cover.
  • Age: Older dogs are more at risk of health problems which results in a higher premium.
  • Gender: Female dogs tend to run into fewer health problems compared to males. Male dogs are also more boisterous, which can result in more accidents. Therefore, premiums for male dogs are higher.
  • Location: The costs of treatment varies depending on where you are located and plays a factor in determining your insurance costs.

Common health conditions for a Basset Hound

Basset hounds are typically healthy but certain health conditions can arise throughout their lifetime. Some of the most common conditions in Basset hounds are: 

  • Wobbler syndrome: This is a condition that consists of different chronic degenerative diseases that affect the vertebrae and discs of the neck. It is a neurological disease that causes dogs to walk with a wobbly gait and can result in the displacement of intervertebral discs.
  • Thrombopathia: This is a condition that is comprised of many inherited or acquired disorders that affect the blood platelets in the body. It affects the blood’s ability to coagulate and as a result, lowers the body’s ability to heal.
  • Glaucoma: This is a hereditary eye condition that can result in partial or complete blindness in the affected eye. 

What does pet insurance cover for a Basset Hound?

Some of the most common insurance plans are: 

  • Accident-only plans: Accidental coverage will cover medical expenses that are caused by an accident.
  • Accident and illness plans: Medical costs that are incurred due to an illness or as a result of an accident are covered by this plan.
  • Optional add-ons: Insurance companies allow you to purchase additional coverage for welnness, routine check-ups, burial or cremation, etc.

If your pet has a pre-existing condition, pet insurance will not provide coverage for this condition. Some insurers may also exclude certain breed-specific health problems. You should talk to your insurance company to understand the coverage before you buy a policy.

How to choose the best pet insurance plan for a Basset Hound?

Buying a good insurance plan requires you to consider many factors because not all policies will give you the coverage that you’re looking for. The following pointers will help you choose the right pet insurance for your Basset Hound.

  • Recognize your dog’s needs: Different age groups have different needs and as a pet owner knowing what medical conditions your dog may be susceptible to, will help you a ton when buying an insurance plan.
  • Understand the coverage: Insurance companies have certain exclusions in their policies for pre-existing conditions and even some hereditary issues. You should ask your insurer about these exclusions before making a decision.
  • Get your pet covered early: As your Basset hound grows old, it may develop some health issues and if you wait until then you will likely get limited coverage. It is always a good idea to get your pet insured while they are young.