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Best Black and Tan Coonhound Pet Insurance of 2023

Lisa Scott

If you have a Black and Tan Coonhound, 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 Black and Tan Coonhound?

The Black and Tan Coonhound is a sturdy, compact dog with a short, smooth coat. This dog should be checked regularly for any signs of infection, which might require medical attention.

Medical treatment for your Black and Tan Coonhound can become very expensive, especially if they encounter a more severe issue that requires invasive treatment. Medical bills for treating a sick Black and Tan Coonhound 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 a Black and Tan Coonhound

Typically, a Black and Tan Coonhound has an average lifespan. You can expect your dog to live somewhere between 10 – 12  years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

  • Hip dysplasia: This common condition occurs when the hip joints don’t form properly. A dog with hip dysplasia might have difficulty exercising, or you might notice it limping.
  • Autoimmune thyroiditis: This disorder causes the thyroid gland to underproduce hormones that help regulate metabolism and other body processes. It can be treated with medication, but you’ll need to talk to your vet about whether your dog is a good candidate for treatment.
  • Ectropion and entropion: Many hounds have droopy eyes, and this can lead to two different conditions, ectropion, where the eyelid rolls outward, and entropion, where it rolls inward. Both of these issues can severely damage the eye itself, so it’s essential to catch them early and treat them through surgery or other methods recommended by your vet.
  • Dental Problems: The Black and Tan Coonhound is prone to dental problems. You can help minimize this by regularly brushing your dog’s teeth. It’s also good to schedule regular dental cleanings with your veterinarian. If you notice injuries or changes in your dog’s behavior (such as reluctance to eat), see your vet as soon as possible.
  • Cancer: Like all dogs, the Black and Tan Coonhound is susceptible to cancer. Signs of cancer include lumps or bumps on the skin, weight loss, lethargy, difficulty breathing, and bleeding from any body part. If you suspect that your dog has cancer, get them checked out by a veterinarian right away.

What does pet insurance cover for a Black and Tan Coonhound?

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 tests: Pet insurance typically covers only some of the diagnostic test costs associated with standard veterinary work. Some insurers will cover only one or two types of tests, while others will cover a greater number of procedures. You should speak with your provider about which tests are covered, so you can plan ahead for any procedures you may need.
  • Hereditary and genetic conditions: Some plans offer coverage for specific common congenital conditions in certain breeds. Many providers won’t cover pre-existing.
  • X-rays and surgeries: If your Black and Tan Coonhound needs surgery due to an accident or illness, most plans will cover the cost. This includes x-rays taken before the surgery to determine whether surgery is necessary.
  • Medication and hospital stay: Medications prescribed by the veterinarian usually require you to visit their office and pay for the meds. Also, hospitalization can run into hundreds or thousands of dollars per day, depending on how sick your pet is. Most plans will pay for these costs.

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 a Black and Tan Coonhound?

Black and Tan Coonhound dog insurance averages $44.05 per month, ranging from $36.00 to $52.10. Pet insurance rates can vary significantly depending on where you live and what kinds of coverage are available.

How are pet insurance premiums determined for a Black and Tan Coonhound?

Many factors will determine the monthly premium rate for your Black and Tan Coonhound (included but not limited to):

  • Age: Older dogs are more likely to develop health conditions and may have higher premiums.
  • Location: Premiums may be lower in areas with a lower average cost of veterinary care than in areas with a higher average cost of veterinary care. 
  • Gender: Some male pets are more prone to injuries and accidents than female dogs since male dogs are very interactive and hence can get injured frequently.
  • Medical history: A pet with a pre-existing condition may cost more to insure than a healthy pet because the insurance company assumes the risk is more significant.
  • Deductible: The higher your deductible, the lower your monthly premium. However, you’ll have to pay more out-of-pocket costs before your claim is covered when something happens to your pet.
  • Reimbursement rate: You’ll choose a reimbursement rate for your vet bills when signing up for a policy. The reimbursement rate determines how much you’ll be reimbursed for your claims (usually 80%, 90%, or 100%)
  • Coverage amount: The higher your coverage amount, the more protection you have for your pet’s medical expenses. If you choose a plan with a higher coverage amount, you’ll pay a higher premium each month.

How to choose the best pet insurance plan for a Black and Tan Coonhound

There are many pet insurance options available for a Black and Tan Coonhound, 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: The first thing to consider when choosing pet insurance is how much you can afford to pay for coverage. There are many companies out there and plans that differ in various ways. Some are more expensive than others, and some offer less coverage.
  • Customer feedback: Take note of customers’ feedback about the company you’re considering. Complaints may provide insight into the types of problems past clients have experienced with the insurer. Consider seeking references from other furry friend owners.
  • Conditions covered: Not all policies provide coverage for pre-existing conditions. If your pet has a pre-existing condition, make sure it’s covered by any policy you’re considering before moving forward with enrollment.
  • Reimbursement rate: This is the percentage you’ll be reimbursed for medical expenses. Most pet insurance companies pay between 70% and 90% of your veterinary expenses once your deductible has been met. Consider a higher reimbursement rate if you want to pay less out of pocket.
  • Coverage amount: The amount of coverage you select will depend on your ability to pay for treatment if something should happen to your pet. In general, it’s best to opt for higher coverage limits when possible.
  • Deductible: Pet insurance deductibles are often annual, but they can also be per-incident or condition. A higher deductible can lower your premiums, but if you aren’t able to pay the deductible quickly, it could put you in a difficult financial spot.

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