If you have a Beagle Harrier, 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.
Extensive coverage to help keep your pet healthy
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
70% - 100%
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
70% - 90%
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
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 Beagle Harrier?
The Beagle Harrier is extremely active and needs daily exercise. For this reason, they could be more prone to injuries.
Medical treatment for your Beagle Harrier can become very expensive, especially if they encounter a more serious issue that requires invasive treatment. Medical bills for treating a sick Beagle Harrier 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 you focus 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 important and beneficial for your pet.
Common health conditions for a Beagle Harrier
Typically, a Beagle Harrier has a longer lifespan than the average dog. You can expect your dog to live somewhere between 12 – 13 years. However, like all dog breeds, there are certain medical conditions that your dog could develop such as:
- Cataracts: A cataract is a clouding of the lens in the eye which leads to a decrease in vision. It can occur at any age but seems to be more common as dogs get older. Cataracts most often occur in both eyes, although it is possible for the cloudiness to be in one eye only.
- Glaucoma: This disease causes increased pressure within the eyeball, which can lead to painful eyes and blindness. A veterinary exam will usually detect early signs of glaucoma. Fortunately, treatment with eye medications can prevent further damage to the retina and optic nerve.
- Intervertebral disc disease (IVDD): Because of their long backs and short legs, a Beagle Harrier is more prone than other breeds to this condition. The discs between this dog’s vertebrae are thinner than most dogs, making them more susceptible to herniation if they twist or jump incorrectly. Herniated discs can cause pain, paralysis, and even death if not treated immediately by a veterinarian.
- Hip dysplasia: This condition happens when the thighbone does not fit properly into the hip joint. It can be very painful and lead to arthritis, lameness, or leg deformity in some cases. Mild cases can be managed with exercise, weight control, and anti-inflammatory medication, while more serious cases may require surgery. This condition is particularly common in larger dogs.
- Hypothyroidism: Hypothyroidism happens when the thyroid gland does not produce enough hormones needed by the body for normal metabolism and growth. This condition can cause weight gain, lethargy, infertility, seizures, or even aggression in some cases.
What does pet insurance cover for a Beagle Harrier?
Pet insurance covers a range of diagnostics, treatments, and procedures for your dog. Depending on the pet insurance plan you get, you may be covered for injury-only, illness-only, or a combination of the two. Based on your plan, you are eligible for the following coverage:
- Diagnostic and blood tests: Pet insurance plans usually cover diagnostic and blood tests, including yearly check-ups to make sure your pooch is okay.
- Hereditary and genetic conditions: While not all pet insurance companies will cover hereditary or genetic conditions, some do, depending on your plan. Most policies do not cover pre-existing conditions, so if your pet has such a condition, you must consider the policy which covers it.
- X-rays and surgeries: Pet insurance plans usually also pay for x-rays and surgeries, which can be quite expensive if something goes wrong with your pet.
- Medication and hospital stays: If your pet needs medications or needs to stay at the hospital, pet insurance can help cover some of these costs and reduce the amount of money you have to pay.
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. For this type of coverage, you will need to take advantage of a separate wellness plan 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 that were established before you registered your pet for coverage. Be sure to 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 Beagle Harrier?
The average cost of pet insurance for a Beagle Harrier is $41.56 per month or $498 per year. Your monthly premium will vary based on multiple factors.
How are pet insurance premiums determined for a Beagle Harrier?
There are many factors that will determine the monthly premium rate for your Beagle Harrier (included but not limited to):
- Age: The older your pet, the more likely it is to have health problems. In general, the older your dog is, the higher your premiums will be.
- Location: Your location also plays a role, living in an area with high veterinary costs or high competition among veterinarians can drive up your premiums. If you live somewhere with low veterinary costs, your premiums will probably be lower too.
- Medical history: If your pet has already had major medical problems, those conditions will affect what you pay for pet insurance. For example, if the dog had surgery for a luxating patella when it was younger, pet insurers might raise your premium because there’s a higher likelihood your pet will need another surgery later in life.
- Gender: Males are generally more expensive to insure than females because males are heavier and larger than females, and they are also more playful. Therefore, they are more prone to accidents than females.
- Reimbursement rate: This is how much of your vet bill will be covered by insurance. A low rate like 70% means that you’ll have to pay more out-of-pocket costs than if you had a 90% reimbursement rate.
- Deductible: The deductible is the amount you pay towards vet bills each year before your policy kicks in. The higher the deductible, the lower your monthly premium payments will be.
How to choose the best pet insurance plan for a Beagle Harrier
There are many pet insurance options available for a Beagle Harrier, 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: You need to find a plan that fits your budget and works with your income, but you also want to be certain it will cover your pet if he gets sick or injured.
- Conditions covered: If your Beagle Harrier has any pre-existing conditions, try to see if they’re included in the coverage of a potential plan. Otherwise, they will not be covered at all. Additionally, some plans cover only accidents while others cover accidents and illnesses. If you want comprehensive coverage, make sure the plan you have chosen covers them.
- Reimbursement rate: This is the percentage of the cost covered by your provider, typically 80%, 90%, or 100%. If you’re concerned that you might have to pay out of pocket during an emergency, choosing a higher coverage might be a good option to consider.
- Customer feedback: Reputable pet insurance companies offer excellent customer service, and the claims process goes smoothly and quickly. You should ask for references from your friends who own pets and read online reviews before deciding which company to go with.
- Deductible: It’s important to set your deductible at an amount that suits you while taking into consideration any other expenses you may have to cover throughout the year (like routine check-ups). Consider how much money you’d be able to pay out-of-pocket before choosing a deductible amount.