Attentive, energetic, and small, the German Spitz makes a great family pet. Keep your loyal companion safe and healthy by investing in quality pet insurance.
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
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.
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
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
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
Taking out pet insurance can be both a financial and emotional decision. While you can fund vet expenses out-of-pocket, at times the economic burden can become emotionally stressful.
Accidents and illnesses can arise unexpectedly and this can involve emergency vet visits that can easily run into thousands of dollars. Without a safety net, you could be left to choose between your dog’s health and your finances.
Pet insurance can help bridge the gap between your out-of-pocket expenses and your dog’s medical bills. This can alleviate the potential shock to your finances and give you the peace of mind you need to help your dog recover from its medical issues.
Common health conditions for a German Spitz
With an average long lifespan of 13 – 15 years and weighing approximately 21 to 29 pounds, the German Spitz can develop various health conditions throughout its life. Here are some common health conditions a German Spitz can experience:
Eye conditions: Common eye conditions can include progressive retinal atrophy (PRA) and retinal dysplasia. This can lead to blurry vision and in severe cases complete loss of sight.
Collapsing Trachea: An inherited disorder, this is where the windpipe collapses upon inhalation which can cause respiratory distress. Medication can be used to treat the dog and vet visits will be required.
Epilepsy: Seizures can be triggered in dogs but with the right treatments in place, your dog can lead a happy and normal life.
Patellar Luxation: Due to movement of the kneecap, this can cause dislocation in the knee and become very painful for the dog. Your dog may experience problems walking, standing, and keeping balance.
What does pet insurance cover for a German Spitz?
Pet insurance can help cover a range of diagnostics, medication, and treatments to help bring your dog back to good health when it falls sick or has an accident. Depending on your coverage, you could have the following costs reimbursed:
X-rays, ultrasounds, and scans: A visit to the vet could require several tests and diagnostics to determine the best treatment path for your dog. Pet insurance can cover you for x-rays, ultrasounds, MRI scans, CT scans, blood tests, and urinalysis.
Accidents and illness: If your dog gets injured or suddenly falls sick, pet insurance can help cover the cost of treatment and medication required to bring your dog back to good health.
Surgery & hospitalization: In severe cases, your dog may require surgery or have to stay overnight to recover. This can be expensive; pet insurance can help cover these costs so that you can focus on your dog getting better.
Alternative therapies: Some insurance plans include alternative therapies such as physical therapy, acupuncture, hydrotherapy, homeopathy, naturopathy, and chiropractic treatment. This can differ between policy providers, but it can be a useful addition if your dog requires alternative treatment to get better.
Depending on your budget, you can opt for accident-only coverage or accident and illness policies. Accident-only provides a more limited coverage but can be a cheaper option. You can also choose to purchase wellness coverage to help cover the cost of routine check-ups and preventative care.
How are insurance premiums determined for a German Spitz?
Many different factors determine the cost of your pet insurance coverage. Some of these factors include:
Age: With age, your dog can become more susceptible to developing genetic health conditions or illnesses. For older dogs, it can also take longer to recover from illness, potentially requiring longer treatment plans. This is likely to be reflected in higher premiums.
Breed: As certain breeds are more likely to develop hereditary health conditions, this can increase the cost of your insurance premium.
Location: Certain geographical locations where the cost of veterinary care is high can increase the premium of your policy.
Reimbursement level: After paying the deductible you will be reimbursed a percentage of your veterinary bills. This can be anywhere from 50 – 100%.
Deductible: The upfront amount that you will pay to cover the cost of your dog’s medical bills until your coverage will help you cover the costs. This can be a per-year amount or a per-incident amount. Typically, the higher the deductible you pay, the lower the premium.
As with any insurance policy, there will be exclusions. It’s important to read the terms and conditions so that you’re fully aware of the exclusions before taking out a policy. Some of these exclusions can include breeding costs, cosmetic surgery, behavior issues, dental disease, and pre-existing conditions.
How to choose the best German Spitz pet insurance?
When shopping around for the best pet insurance policy, there are many factors to look out for to make sure the policy and coverage will be suitable for your dog’s needs. Here are some of the key factors to keep in mind as you shop for a plan:
Look for relevant policy add-ons: Many policies have add-ons that can help keep your German Spitz in good health. Some of these policy add-ons include dental coverage, wellness check-ups, and behavioral therapies.
Adopt a long-term perspective: As your dog gets older it can become more difficult to change their pet insurance plan as some insurers won’t provide coverage for older dogs, especially if they have pre-existing conditions. It’s best to get started with a good plan from the start to avoid unexpected costs later on.
Read the terms and conditions: It’s always best to read the fine print before purchasing a policy so you are fully aware of the coverage provided, the waiting periods, and the exclusions of the policy.
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