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Best Brazilian Tracker Pet Insurance of 2024

Lisa Scott

If you have a Brazilian Tracker, 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 Brazilian Tracker?

Brazilian Trackers are active and energetic dogs, making them more susceptible to injuries than pups who prefer to stay indoors. They also have a trend when they see something they want; these pups will do whatever they can to get it! Their height and athleticism make them great at this task, but it may result in broken bones or other injuries throughout their lifespan. Pet insurance can reimburse you for some of the costs associated with those incidents.

Medical treatment for your Brazilian Tracker can become very expensive, especially if they encounter a more severe issue that requires invasive treatment. Medical bills for treating a sick Brazilian Tracker 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 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 essential and beneficial for your pet.

Common health conditions for a Brazilian Tracker

Typically, a Brazilian Tracker has a [longer/shorter] lifespan than the [average/?] dog. You can expect your dog to live somewhere between [# of years] years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

  • Collie eye anomaly (CEA): CEA is a common congenital disease in herding breeds like the Brazilian Tracker. It’s an inherited abnormality of the eye structure, which varies from individual to individual, so the symptoms differ. The most severe cases result in blindness; the dog’s owners often do not notice the least powerful. Sometimes, though, it’s possible to see an abnormality by looking inside your dog’s eye with an ophthalmoscope or noticing that one eye seems slightly different (this is typically how vets diagnose it).
  • Hip dysplasia: This condition causes the hip joint to become loose and painful. It is genetic, so it can be prevented by purchasing a Brazilian Tracker puppy from a reputable breeder who has tested their dogs for this condition.
  • Heart problems: This breed is predisposed to several heart conditions, including cardiomyopathy (a disease that causes the heart’s left ventricle to weaken and enlarge) and pulmonic stenosis (in which the right ventricle has trouble pumping blood through one of the heart valves). Look for a vet who has experience with this breed, so they can screen your pet for heart issues and treat them early on.
  • Hypothyroidism: Hypothyroidism occurs when the thyroid gland doesn’t produce enough of certain hormones. This condition can cause weight gain, skin problems, and other changes in your pet’s health. Fortunately, it is easily treated with medication.
  • Patellar luxation: This is the medical term to describe dislocated knee caps, a prevalent problem in this breed. It may vary in severity from a slight “pop” or click of the knee out of place to the kneecap being out of place at all times. The kneecap will often go back into place or with manipulation. This condition can be treated with surgery, but it does not always correct the problem. Some dogs can also benefit from physical therapy or braces for their legs.

What does pet insurance cover for a Brazilian Tracker?

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 and blood tests: When your pet gets sick, your vet will need to do diagnostic tests to figure out what’s wrong with them. This could include x-rays, ultrasounds, and blood tests. Your vet may also need to run other tests if the dog has a skin condition or infection in its eyes. Pet insurance will cover these costs, so you don’t have to pay upfront!
  • Hereditary and genetic conditions: Many breeds of dogs have hereditary or congenital conditions that can lead them to become ill later in life. This includes hip dysplasia and heart disease in the Brazilian tracker breed. Pet insurance covers these conditions so long as they aren’t pre-existing conditions—meaning they weren’t present before you got your policy started!
  • X-rays and surgeries: The cost of x-rays and surgeries would be covered up to the limits of your plan. The costs and frequency of these for a Brazilian Tracker can vary depending on whether or not you’re breeding your dog, but it’s still something to consider when budgeting for pet expenses.
  • Medication and hospital stay: If your dog needs medication to treat [illness], your plan will cover the cost up to its limits. Your plan would also cover the cost of hospital stays up to its coverage limits.

Pet insurance covers a range of treatments, but not 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 an individual wellness plan or see if the provider has any add-ons for wellness visits. Most providers 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 Brazilian Tracker?

The average cost of pet insurance for a Brazilian Tracker is around $70 per month. However, the actual cost varies depending on your dog’s age and geographic location. The price can also be affected by any pre-existing conditions your dog has and any specific breed-related conditions that your dog might be prone to.

How are pet insurance premiums determined for a Brazilian Tracker?

Many factors will determine the monthly premium rate for your Brazilian Tracker (included but not limited to):

  • Age: The older your dog is, the more expensive the policy. Older dogs have a higher potential for medical issues and are more costly to insure.
  • Location: Location is another major factor in determining pet insurance rates for your Brazilian Tracker. Some areas have higher veterinary costs than others. If you live in a rural area and your animal needs to be taken to an emergency clinic or specialist far away, your bills will be higher than those near a clinic that can handle basic medical care. 
  • Gender: Gender is another important factor in pet insurance rates. Male pets are generally more aggressive and will therefore have higher rates than females. 
  • Medical history: If your pet has been diagnosed with an illness or injury before, it could affect the price of their insurance. For example, if your pet has had cancer, they may not be eligible for cover, and if they are, this could mean an increased premium or exclusion on their policy.
  • Deductible: The deductible is the amount you pay upfront before the insurance company starts to cover costs. The higher the deductible, the lower your premium will be. However, you should weigh up what’s best for you and your finances​; you don’t want to take out a policy with a high deductible if you can’t afford to pay it when your pet needs treatment.
  • Reimbursement rate: How much of each vet bill the insurer will payout. The higher the reimbursement rate, the more expensive the policy will be.
  • Coverage amount: The coverage you want for your pet will also affect your monthly premium. The more coverage you buy for your pet, the higher your premium. Premiums will also vary between accident-only coverage and comprehensive policies that cover both accidents and illnesses.

How to choose the best pet insurance plan for a Brazilian Tracker

Many pet insurance options are available for a Brazilian Tracker, 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 cost of pet insurance will likely be an essential factor for most people. Don’t automatically go for the cheapest option, though; while you might save some money now, a low-premium plan that doesn’t cover all the services you need may cost you more in the long run. The key is to find a plan that fits your budget while also providing the right coverage for your pet.
  • Customer feedback: It’s always good to seek referrals from other pet owners who’ve purchased insurance plans. But just because a specific company had good results with someone else’s dog doesn’t mean they’ll be right for yours, ask around and do your research!
  • Conditions covered: Next, consider what conditions are covered by your plan. This is the essential part of any pet insurance, so make certain you understand what’s offered before committing to anything. Some plans are particular about what’s covered; others will cover anything from minor injuries to major accidents and illnesses. There may also be some pre-existing conditions that aren’t covered, so check into that.
  • Reimbursement rate: This percentage of your vet bills is covered by your insurance plan. The higher the reimbursement rate, the more covered you’ll be in an emergency. However, this is also one of the most expensive aspects of a policy, so if you’re on a budget, you might consider choosing a plan with a lower reimbursement rate.
  • Coverage amount: This will tell you how much money per year will be available for your pet’s medical treatments and emergencies. If there’s no limit, then anything goes! You shouldn’t worry about maxing out coverage; it’s just good practice to keep track of how much money goes toward pet-related expenses each month and make sure those costs don’t exceed what you’ve set aside for them annually.
  • Deductible: The deductible is another critical factor in deciding on a pet insurance plan. Deductible means the amount of money you have to pay before the insurance company pays for your claims. In other words, higher deductibles mean lower monthly payments, but you’ll have more out-of-pocket expenses if your dog becomes sick or injured.

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