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Best Bluetick Coonhound Pet Insurance of 2023

Lisa Scott

Bluetick Coonhound is prone to certain illnesses and injuries which can be expensive to treat at a vet. Pet insurance can help you pay for treatments and diagnostics from unexpected events. 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 Bluetick Coonhound?

Bluetick Coonhounds make great family pets, but like any other dog, they can get sick or suffer an injury. When this happens, it’s essential to be prepared for their treatment costs. 

Pet insurance is meant to help you afford the medical care your dog may need down the road which can provide peace of mind. It can cover from essential checkups to severe illnesses, chronic conditions, and emergency surgery.

Accidents can happen at any time, and serious illnesses can strike without warning. Pet health insurance helps protect against financial surprises, which means you don’t have to worry about whether you can afford treatment if your pet has an accident or falls ill.

While it’s true that paying a monthly premium might not seem like a great deal at first, pet health insurance can save on veterinary costs over time.

Common health conditions for a Bluetick Coonhound

While Bluetick Coonhounds are generally healthy dogs, they can be prone to some health conditions, especially as they get older. Here are the top health problems you should look out for in a Bluetick Coonhound:

  • Hip dysplasia: This genetic condition causes a dog’s hip joints to develop improperly. Signs include limping, difficulty rising and reluctance to exercise. There is no cure for hip dysplasia, but surgery can help manage it.
  • Autoimmune thyroiditis: If a Bluetick Coonhound has this condition, its immune system attacks its thyroid gland. Symptoms include lethargy and weight gain, among others, but the dog will seem otherwise normal. Treatment involves daily medication and regular testing.
  • Luxating patellas: In this condition, the kneecap slips out of place very quickly or even dislodges on its own. When this happens, you may notice your dog limping or skipping in its step, but it usually corrects itself speedily and with no medical intervention necessary. However, if the problem becomes chronic or severe, your veterinarian may recommend surgery to fix it.

What does pet insurance cover for a Bluetick Coonhound?

There are several different pet insurance companies, and all of them offer different coverage options. The following are some of the common options:

  • Accidents: All insurance companies cover accidents, but policies vary a lot. The best policies cover anything that happens to your dog, whether it’s a broken leg from running full speed into a tree or an emergency C-section from eating their poop.
  • Illness: This policy will cover many treatments for things that are not considered to be accidents. This may include medicines and therapies. A few insurers cover illness exclusively as add-ons or riders to their accident coverage, but most have standalone illness plans. Some policies will also payout for hereditary conditions if diagnosed early enough.
  • Routine care: If your dog is due for vaccinations, teeth cleaning, or anything else that’s part of their regular care, pet insurance can help pay for it.

How are pet insurance premiums determined for a Bluetick Coonhound?

  • Location: If you live in an area where there is veternairy costs are high, then your rates will be higher.
  • Age: The younger the dog, the lower the premium. Puppies are less likely to get sick because they are generally healthier than senior dogs. Older dogs have an increased risk of getting sick, which can result in expensive medical bills.
  • Deductible: You’ll need to decide how much of your medical expenses you’d like to pay out-of-pocket before your plan starts covering the costs. A higher deductible will lower your monthly premiums will be.
  • Gender: Male pets may cost more to insure than female pets because males tend to be more aggressive.

How to choose the best pet insurance plan for a Bluetick Coonhound

There’s no one-size-fits-all policy that’s right for everyone, so here are some other factors to consider when choosing a pet insurance plan:

  • Check out the company’s reputation: Before purchasing any plan, you’ll want to check out its reputation and how long they’ve been in business. The Better Business Bureau does not accredit most companies, but you can find reviews on other websites as well as comments from others who have purchased pet insurance.
  • Consider your budget: Some plans offer a low-cost option, but you might pay more if you need to use it. Other plans offer higher premiums with lower deductibles and reimbursements. Consider whether you can afford the premiums and would be willing to pay a higher deductible in the event of an emergency.
  • Consider pre-existing conditions:  If your dog or cat has a chronic issue like arthritis, make sure your plan covers it. Most policies don’t cover pre-existing conditions.
  • Define your needs: The best way to determine which pet insurance plan is right for your needs is to define those needs. For example, some policies only cover emergencies, while others cover both routine care and emergencies. Some policies are accident-only, while others cover both accidents and illnesses, so you will need to determine the need for your pet.

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