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Best German Hunt Terrier Pet Insurance of 2024

Lisa Scott

If you have a German Hunt Terrier, 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.

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 German Hunt Terrier?

The German Hunt Terrier is a medium-sized dog that looks like a miniature Doberman Pinscher. The breed was initially developed for hunting in dense forests of Germany. They are popular with show dog owners who enjoy their easy-going temperament and trainability. They are brilliant and love their owner, making them an ideal family pet. 

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

Typically, a German Hunt Terrier has a longer lifespan than the average dog. 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:  

  • Von Willebrand’s disease (vWD): The most common blood-clotting disorder in dogs, vWD can affect German Hunt Terriers of all ages. This genetic disorder causes their blood to clot too quickly, leading to excessive bleeding after an injury or surgery.
  • Hip dysplasia: German Hunt Terriers are susceptible to hip dysplasia, which results in painful arthritis in the hip joints as they age. The disease often leads to lameness and decreased mobility as the dog ages. Hip dysplasia can also affect other breeds of dogs, including Beagles, Greyhounds, and Irish Setters.
  • Skin allergies: German Hunt Terriers are often affected by allergies that cause itching and inflammation around their eyes, ears, and paws, which may lead to secondary infections if not treated promptly by your veterinarian. German Hunt Terriers with skin allergies may also develop hot spots on their skin due to excessive scratching at the affected areas of their bodies.
  • Gastrointestinal Issues: German Hunt Terriers are prone to gastrointestinal diseases such as gastritis, colitis, and diarrhea. This is because they have a short digestive tract, so any foods that are not appropriately digested will pass through quickly and cause digestive issues. If you notice your dog has loose stools or frequently vomits, it may be time to take him to the vet.
  • Heart Disease: German Hunt Terriers are also prone to heart disease, especially mitral valve disease and dilated cardiomyopathy (DCM). Mitral valve disease occurs when there’s leakage from the left side of the heart; DCM affects both sides of the heart at once and may lead to congestive heart failure (CHF).  

What does pet insurance cover for a German Hunt Terrier?

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: These are used to diagnose a condition your pet has been diagnosed with by a veterinarian. For example, if your dog has an injury and needs blood work done to determine if he has an infection or other underlying medical issue that could affect his recovery time, this would be covered under vet care benefits.
  • Hereditary and genetic conditions: Some conditions, such as hip dysplasia in German Hunt Terriers, are more common in this breed than others. If your pet develops one of these conditions due to its breed or genetics, it will likely be covered under its policy.   
  • X-rays and surgeries: If your German Hunt Terrier has a severe injury or illness, you can use pet insurance to pay for diagnostic tests and procedures that help diagnose the problem and determine the best course of treatment. This could include X-rays, blood tests, urine tests, and biopsies.
  • Medication and hospital stays: If your German Hunt Terrier needs medication or surgery related to an injury or illness, some plans will reimburse you for these costs and any associated 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 German Hunt Terrier?

The average cost of pet insurance for a German Hunt Terrier is $25-40 per month. The average price of pet insurance for a German Hunt Terrier depends on several factors, including the breed’s age and health at the time of enrollment. In general, younger dogs tend to be less expensive to insure than older ones because they are less likely to develop chronic conditions during their lifetime. Dogs who are in good health when they’re enrolled typically cost less. 

How are pet insurance premiums determined for a German Hunt Terrier?

Many factors will determine the monthly premium rate for your German Hunt Terrier (included but not limited to):

  • Age: The older a pet is, the higher its premium will be. Older pets are more likely to develop chronic conditions such as arthritis or diabetes and may require regular veterinary care. 
  • Location: The cost of living in your area can also affect how much you pay for health insurance for your pet. For example, if you live in a place where the cost of living is higher than average, you may find that your premiums are also higher. 
  • Gender: Male dogs are more likely to get injured or sick and require medical care. On average, females have fewer health issues than males do. So if you have a male dog, expect to pay more for insurance. 
  • Medical history: The more diseases or illnesses your pet has had in the past, the higher your premium will be. For example, if your pet has had surgery before or has been on medication for allergies or seizures, expect to pay more for coverage than someone whose pet has never needed any treatment before. 
  • Deductible: A deductible is the amount of money you must pay out of pocket before your pet insurance policy kicks in. A higher deductible will lower your monthly payments but may increase your out-of-pocket expenses if you have an accident or illness. 
  • Reimbursement rate: A reimbursement rate is the percentage of a claim that an insurer will cover. For example, if the reimbursement rate is 80%, 80% of eligible expenses are covered by the policy, and the remaining 20% would be left for you to pay out of pocket. The higher this percentage is, the less money you’ll have to spend on veterinary care each year. 
  • Coverage amount refers to how much money you can claim from your insurer each year for a specific condition or illness. A policy with a high coverage limit may help prevent you from paying out of pocket if your pet is sick or injured, but it could also make your premiums more expensive. 

How to choose the best pet insurance plan for a German Hunt Terrier

Many pet insurance options are available for a German Hunt Terrier, 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: Make sure you consider your budget when choosing an insurance plan for your German Hunt Terrier. It might be tempting to go for the most comprehensive coverage possible, but this could cost you more than you bargained for.
  • Customer feedback: Talk to friends and family who have used pet insurance, and ask about their experiences. If you know someone who uses a particular company’s products, talk to them about what they like or dislike. You can also check Angie’s List for reviews of local companies. 
  • Conditions covered: After getting quotes from several providers, compare the plans’ coverage. Some provide coverage for all major illnesses, while others have restrictions such as age limits or breed-specific conditions. Ensure that your plan covers most of the common health issues that affect German Hunt Terriers.
  • Reimbursement rate: This is the percentage of veterinary bills covered by the insurance company. Most plans range between 70% and 90%. The higher the reimbursement rate, the more expensive your premiums will be. 
  • Coverage amount: This is the maximum amount that an insurer will pay over a year under each benefit category (e.g., outpatient care, prescription drugs). The higher your coverage amount, the more your premiums will cost each month or year. 
  • Deductible: The deductible is how much money you must pay before the insurance company starts paying its portion of the bill. The higher the deductible amount, the lower your monthly premiums will be — but if your pet gets sick often, this could cause problems since you’ll have to pay more out-of-pocket expenses each time your pet gets sick or injured.

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