A popular purebred dog, the Havanese make an ideal loyal and caring family pet. Keep your 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
Pet insurance can be a financial and emotional decision. Pets can get unexpectedly sick and without the financial means to help them recover, it can become a stressful and anxious situation.
The Havanese can be susceptible to various genetic health conditions throughout their life. This may require visits to the vet and medical costs that can quickly spiral into thousands of dollars.
Pet insurance can help alleviate the financial burden of medical bills for your dog. With the right plan, you can have peace of mind that your dog will receive the medical care and treatment it needs to get better.
Common health conditions for the Havanese
While the Havanese is generally a healthy breed, purebred dogs can be susceptible to various illnesses and genetic health conditions throughout their life. Here are some common health issues the Havanese can experience:
Hip Dysplasia: A genetic deformity in the hip, your dog can have trouble standing and it can lead to arthritis later in life. Surgery may be required to treat the dog.
Eye conditions: Cataracts and ‘cherry eye’ are common and severe cases can lead to blurred vision and blindness.
Patella Luxation: A common problem in small dogs, the kneecap can slide out of position leaving the dog unable to walk.
Deafness: Common for the Havanese breed, deafness can occur with age.
What does pet insurance cover for the Havanese?
Pet insurance can cover a range of diagnostics and treatments for the Havanese. Based on your plan, you are eligible for the following coverage:
Emergency care: Accidents can happen unexpectedly and your dog may require an emergency vet examination. Pet insurance can take care of the costs related to exam fees, diagnostics, vet labor, and treatment.
Illness: Pet insurance can help pay for a range of illnesses, including chronic illnesses such as diabetes, mild illnesses such as vomiting, and severe illnesses such as cancer.
Alternative therapies: Many insurance policies can include alternative therapies such as physical therapy, acupuncture, hydrotherapy, chiropractic, homeopathy, and naturopathy. This can vary between insurers, and it’s best to read the fine print before you buy a policy.
Surgery, procedures, and hospitalization: If your dog requires surgery or needs to stay overnight in the hospital, pet insurance can help cover the costs.
When shopping around for your pet insurance policy, there are typically three different kinds of policies you can buy. These are accident-only, accident and illness, and wellness coverage. Accident-only coverage is generally more limited than accident and illness and is normally the cheaper option.
How are insurance premiums determined for the Havanese?
Many different factors determine the cost of your pet insurance coverage. Some of these factors include:
Age: As your dog gets older, insurance premiums are likely to increase as older dogs are more susceptible to getting ill or having health issues. In addition, it can be harder to change insurers as many will not insure pre-existing medical conditions.
Payment of policy: When you opt to pay annually instead of monthly, the majority of insurers will provide a policy discount.
Breed: Certain breeds have a larger risk of genetic health conditions. Depending on the cost of treatment, if this is high, this can increase your premium.
Add-ons: Many policies come with the option of policy add-ons where you can add coverage such as dental care, behavioral therapy, and wellness check-ups.
Location: If the cost of veterinary services is high in your area, this will increase your insurance premium.
Vet labor: Examinations and consultations with your vet can be covered by pet insurance.
Carefully read your policy’s terms and conditions before you purchase so that you can avoid any surprises when you go to make a claim.
How to choose the best Havanese pet insurance?
When looking for the best pet insurance plan for your dog, it’s important to get started while they’re young, as premiums can become more expensive with age. In addition, it can become difficult to change insurers as many refuse to insure older dogs due to pre-existing medical conditions. Here are some key factors to look for when shopping for pet insurance:
Exclusions: Pet insurance can come with many exclusions. Some of these can include cosmetic treatment, pre-existing medical conditions, teeth cleaning, microchipping, pregnancy or birth, preventable diseases, grooming services, and death. It’s important to read the terms and conditions before you take out a policy so that you’re aware of exactly what is covered and not covered.
Waiting period: When you take out a policy, typically the effective date of the policy will occur a few days or sometimes months after the start date. If you submit a claim during the waiting period or your dog has an accident, it’s unlikely that it’ll be covered by your insurer. In addition, some policies may have separate waiting periods depending on the type of claim. For instance, accidents may have a waiting period of 3-days and knee injury 180-days under the same policy.
Consider wellness coverage: Policy add-ons may seem unnecessary, but adding wellness coverage can ensure that your dog is in good health. Plus, wellness coverage often reimburses you for the cost of preventative care, which can ensure that your dog gets the vaccinations and treatments needed to stay healthy.
Ultimate Guide to Keep Your Pet Happy and Healthy
Learn how to provide the best care for your furry friend with practical tips and expert advice in this FREE comprehensive e-book.
