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Best Finnish Hound Pet Insurance of 2025

Lisa Scott

If you have a Finnish Hound, 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 Finnish Hound?

The Finnish Hound is a medium-sized breed of dog. They are long, slender dogs with a curved tails. Their ears are long and hang down beside their head. The Finnish Hound has a short, double coat that comes in shades of grey, black or brown, and tan. The coat is easy to groom and sheds very little hair. The Finnish Hound was bred for hunting hare and small game. They have excellent endurance, which makes them suitable for long hunts. They are also very intelligent and can be trained easily. 

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

Typically, a Finnish Hound has a longer lifespan than the average dog, and you can expect your dog to live somewhere between 10 to 12 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

  • Epilepsy: This seizure disorder affects about one in every four dogs. It usually occurs between 3 months and three years old, but any age dog can have seizures. A seizure may be caused by many things, including low blood sugar, brain infections, or trauma.
  • Patellar luxation:  This is when the kneecap (patella) slips out of place, causing pain and lameness. The condition can be congenital (present at birth), in which no treatment is necessary because it will correct itself over time. However, if it’s acquired later in life, surgery may be needed to correct the problem.
  • Hip dysplasia: Hip dysplasia occurs when the hip joint doesn’t develop properly during growth, which causes laxity in the joint capsule or ligaments around the hip joint that leads to arthritis as the dog ages. It’s one of the dogs’ most common orthopedic diseases affecting large and giant breeds such as Labradors and Newfoundlands.  
  • Osteochondrosis (OCD): OCD is a bone disease that affects the cartilage in the joints of growing dogs. It’s most common in large breed puppies and adolescent dogs but can also affect older dogs. The condition causes lameness, stiffness, or pain in the joints, particularly after exercise.
  • Canine degenerative myelopathy (DM): DM is a neurological disorder that affects the spinal cord and hindquarters, causing them to lose control over their bladder and bowels and their ability to walk correctly. The condition is progressive and eventually fatal for many dogs.

What does pet insurance cover for a Finnish Hound?

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: Diagnostic testing is used to identify the cause of your pet’s illness or injury. Tests may include complete blood count (CBC), biochemistry profile, urinalysis, and fecal exam.
  • Hereditary and genetic conditions: Hereditary and congenital disorders can be expensive and sometimes require lifelong treatment. Some hereditary conditions are hip dysplasia, elbow dysplasia, allergies, and cataracts.
  • X-rays and surgeries allow veterinarians to see inside your pet’s body and determine the extent of an injury or illness. Surgical procedures can vary significantly in cost, depending on what part of the body is being operated on and how long the surgery takes.
  • Medication and hospital stays: Medications prescribed by your veterinarian are an essential part of treating your pet’s illness or injury. The cost varies based on the medication prescribed and whether your pet needs to be hospitalized while taking the medication or recovering from surgery.

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 Finnish Hound?

The average cost of pet insurance for a Finnish Hound is $300 per year. This is based on the average policy cost for all breeds, so you can use this as a starting point for comparing coverage and costs. Keep in mind that other factors can affect pet insurance prices for your Finnish Hound. 

How are pet insurance premiums determined for a Finnish Hound?

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

  • Age: Ensuring that your dog or cat stays healthy is one way to keep costs down on veterinary bills. That’s why younger pets have fewer health problems than older ones. The younger pet is, when you buy pet insurance for them; the lower premiums will be. For example, if you accept a policy for your puppy when he’s just a few months old, his premium will be lower than if you waited until he’s ten years old. 
  • Location: The cost of living plays an essential role in determining pet insurance premiums. The higher the cost of living in a specific place, the more expensive it is to live there. Therefore, people who live in areas with high living costs have to pay more for their pet insurance premiums than people who live somewhere with lower costs of living. 
  • Gender: male dogs tend to get into more fights and need more medical care than female dogs. Male dogs are also more likely to suffer from hip dysplasia, heart disease, and cancer than female dogs are. On average, male dogs have twice as many health problems as female dogs do and require more veterinary care throughout their lives than females do.
  • Medical history: Your pet’s medical history will also affect its coverage and premium. Suppose your pet has suffered from a chronic condition or been hospitalized. This will be considered when determining the premium amount and coverage offered by your policy.
  • Deductible: A deductible amount you pay before your insurance coverage kicks in. Higher deductibles mean lower premiums because you pay less out of pocket when your pet has medical expenses. 
  • Reimbursement rate: The reimbursement rate is the amount paid out by an insurer after a claim has been validated. This can vary greatly depending on which insurer you choose. In general, larger insurers offer better reimbursement rates than smaller ones. 
  • Coverage amount: The more comprehensive coverage you choose, the higher your premium. For example, a policy covering 80 percent of eligible expenses might cost more than one covering 50 percent. 

How to choose the best pet insurance plan for a Finnish Hound

Many pet insurance options are available for a Finnish Hound, 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: If you have a budget in mind, it will be easier to decide on a reasonable amount for your family and still covers your breed’s most significant health risks. Ensure the plan offers coverage for all conditions that could affect your dog’s health, including preventative care and routine vaccinations. 
  • Customer feedback: Get referrals from friends or family who have used pet insurance before or talk to an insurance company’s customer service department if possible. If they offer home visits or phone consultations, take advantage of these opportunities to learn more about their policies and concerns first-hand from someone who works there daily. 
  • Conditions covered: Ensure that the policy covers all conditions that your breed might suffer from in its lifetime — mainly hereditary diseases such as hip dysplasia or arthritis. Some policies will cover hip dysplasia only for dogs up to six months; others will cover it for all breeds until they reach ten years old. You should also check whether any pre-existing conditions are excluded from coverage.
  • Reimbursement rate: The reimbursement rate is how much money the company will pay if your dog becomes sick or injured. This can vary from company to company and policy to policy, and the higher reimbursement rate will be more expensive. You should also consider how frequently your pet will need reimbursements. 
  • Coverage amount:  This is the maximum amount your insurance company will pay out for anyone’s condition. Some plans have a lifetime cap on how much money they will pay out for conditions contracted over a pet’s lifetime, so it’s important to check this before signing up for an insurance policy. 
  • Deductible: This is a set amount of money you’ll have to pay out of pocket before any reimbursement from your insurer kicks in. Some policies may also apply a deductible on each claim paid out by your insurer over a given year or two. 

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