Best Danish-Swedish Farmdog Pet Insurance of 2022

Lisa Scott

If you have a Danish-Swedish Farmdog, they’ve already become a loved family member. 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.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

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.

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

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

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 Danish-Swedish Farmdog?

The Danish-Swedish Farmdog is known for being very intelligent, active, and agile, and they make excellent family pets because they are incredibly loyal and affectionate with their owners and enjoy being around other people and animals. However, these dogs can be prone to certain health conditions.

Medical treatment for your Danish-Swedish Farmdog can become very expensive, especially if they encounter a more severe issue that requires invasive treatment. Medical bills for treating a sick Danish-Swedish Farmdog can quickly add up, costing 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 Danish-Swedish Farmdog

Typically, a Danish-Swedish Farmdog has a longer lifespan than the average dog. You can expect your dog to live somewhere between 11 to 13 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

  • Portosystemic shunt (PSS): PSS is a congenital condition in which blood bypasses the liver and flows directly from the intestines to the heart or lungs. Dogs with this condition may develop symptoms of liver disease, such as vomiting, weight loss, diarrhea, and anemia. A PSS can be surgically corrected.
  • Hip dysplasia: A dog with hip dysplasia suffers from improper hip joint development, leading to arthritis, lameness, and pain. Hip dysplasia is a common cause of rear leg lameness in large breed dogs. The condition is not curable but can often be managed with medication and exercise restrictions.  
  • Allergies: This occurs when a dog’s immune system reacts negatively to seemingly harmless substances in its environment, such as pollen or dust mites. Dogs with allergies may develop skin irritations and hair loss, but these symptoms can be managed with antihistamines and other medications.
  • Bladder stones: This happens when there are small mineral deposits in the bladder because of poor diet or dehydration. Symptoms include difficulty urinating, blood in urine, and pain while urinating. Treatment includes surgery to remove the stones or an ultrasound machine to break up the stone, so it can pass through the urethra without causing damage to surrounding tissue.
  • Cataracts: These are small cloudy areas in your pet’s eye lens that cause vision impairment or blindness if left untreated. Treatment for cataracts involves removing them through surgery or replacing them with artificial lenses (intraocular lens implants).  

What does pet insurance cover for a Danish-Swedish Farmdog?

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: A diagnosis of cancer, diabetes, or heart disease typically requires multiple diagnostic tests like biopsies or ultrasounds. If your dog needs these tests, your vet will recommend them based on their symptoms and history. Pet insurance may cover these expenses. 
  • Hereditary and genetic conditions: Some congenital conditions are not apparent until the puppy is older. Hence, it’s essential to consider the risks of these conditions when purchasing insurance for your dog. A good pet insurance policy will include coverage for these health issues.
  • X-rays and surgeries: X-rays may be required in case of an accident or injury, while surgery can be necessary in case of any serious injury or health issue. An accident could cost you thousands of dollars, especially if the injury is severe enough and requires surgery. In such cases, pet insurance can help you save money on medical bills by covering a good part of them. 
  • Medication and hospital stay: Dogs are susceptible to many of the same illnesses as humans, so it’s not surprising that you may have to pay for veterinary care.  Pet insurance can help pay for visits or prescription medications, while some policies cover hospital stays. 

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 Danish-Swedish Farmdog?

The average pet insurance cost for a Danish-Swedish Farmdog is $36.27 per month. Depending on your plan selection, it can go as low as $18.44 per month or as high as $60.04 per month. If you look to save money with pet insurance, many factors will impact your premium. These include your deductible and coverage options and whether you choose to insure just injuries or illnesses and other conditions.

How are pet insurance premiums determined for a Danish-Swedish Farmdog?

Many factors will determine the monthly premium rate for your Danish-Swedish Farmdog (included but not limited to):

  • Age: The older the dog, the higher the premium. Older dogs tend to have more health problems than younger ones. 
  • Location: Your location can affect the premium you pay. Pet insurance companies will charge higher premiums for pets living in areas with higher living costs. 
  • Gender: Male dogs are more likely to get into fights and injure themselves than females, so they tend to have higher premiums than females. 
  • Medical history: A pet’s medical history also affects their premium rate, especially if they’ve had multiple treatments in the past year. In addition, pets with chronic conditions may have higher premiums than those without them. 
  • Deductible: A deductible amount you must pay before your insurance kicks in. The higher the deductible, the lower your premium.  
  • Reimbursement rate: The reimbursement rate is determined by the amount of money an insurer pays out in claims each year. The lower the reimbursement rate, the higher the premium. Typically, these rates range from 70% to 90%.
  • Coverage amount: The amount you would like to cover for your dog should be one of the primary considerations when buying pet insurance. The higher the coverage amount, the more you will pay for premiums. 

How to choose the best pet insurance plan for a Danish-Swedish Farmdog

Many pet insurance options are available for a Danish-Swedish Farmdog, 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: Choose an affordable plan that provides coverage for accidents and illnesses in dogs. If your budget is tight, look for a cheaper policy with fewer coverage requirements. 
  • Customer feedback: You should talk to other pet owners who have used different insurance plans and ask about their experiences with each company. This way, you can learn about the pros and cons of each company, which will help you make an informed decision when choosing a pet insurance plan for your dog.
  • Conditions covered: Some plans cover only certain conditions such as injuries or illnesses, while others offer full coverage no matter what happens to your dog. You should be aware of how much each plan covers so you don’t pay more than necessary for treatment when something happens.
  • Reimbursement rate: This refers to how much money will be paid out by the insurance company when they receive a claim from a veterinarian’s office or clinic for a medical procedure performed on your pet. The higher the reimbursement rate, the higher your premiums since the insurer has to pay more out-of-pocket expenses for your pets’ health care needs. Generally, most opt for a higher rate just in case bills come in higher.
  • Coverage amount: The coverage amount is the essential part of any pet insurance plan. The higher your coverage amount, the greater your peace of mind if the vet bill comes in very high. You’ll have to determine the trade-off between your risk appetite and monthly fees.
  • Deductible: The deductible is the amount of money you have to pay before your insurance company starts paying for your pet’s medical expenses. The higher the deductible, the lower your premium. However, this also means that you’ll be responsible for paying more out-of-pocket expenses when your pet needs care.