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Best Lurcher Pet Insurance of 2023

Lisa Scott

Lurchers can be pretty sensitive animals, requiring plenty of love and attention from their owners. As with any dog breed, Lurchers can suffer from several different health problems, and the effect of these can be costly, especially if you’re not insured. Pet insurance can help you cover veterinarian costs. 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

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

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

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

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

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

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

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

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 Lurcher?

A lurcher is prone to various diseases and considering pet insurance can protect against unexpected vet bills which would be difficult to pay out of pocket for most. You’ll have peace of mind knowing that if your Lurcher gets sick or injured, you can provide them with the best care.

Depending on the policy you choose, it can include annual checkups plus vaccinations and treatments for illness or injury. This can be particularly useful if your pet needs surgery or becomes ill. Most insurance companies offer annual plans which renew every year and increase the amount of coverage available each year. This allows you to make sure that as your pet ages, its coverage rises. 

In general, pet health insurance can help reduce financial risks and provide the necessary coverage for covered conditions when your pet gets sick or ill.

Common health conditions for a Lurcher

Like any other dog breed, Lurchers are not immune to health problems. The most common health issues are:

  • Gastric torsion: This is also known as bloat, and it’s caused by the stomach filling with air. It’s severe and requires veterinary treatment immediately. If you suspect your dog has bloat, you should get them to the vet straight away. Signs include retching without bringing anything up, pacing or restlessness, drooling, pale or white gums or tongue and a distended stomach.
  • Torn toenails: Lurchers can have very long nails that may catch things and be torn off. This can cause a great deal of pain and infection, so if it happens to your dog, you’ll need to take them to the vet. If the nails get caught often, you may need to have them clipped regularly by the vet or groomer.
  • Heatstroke or heat exhaustion: These pets have short coats and love to be outdoors, so they are prone to overheating. If you notice that your dog is panting excessively, has red gums, or displays signs of weakness, get them into a cool place immediately. Apply wet towels to their body and call your vet right away.
  • Foot or muscle injuries: Common in any dog that runs a lot. Foot or muscle injuries can be caused by running on rough ground or simply overexertion. These types of injuries can be prevented by keeping your dog fit and not over-exercising them until they are fully grown. A foot or muscle injury signs include limping or dragging a paw, refusal to put weight on a leg, or lying down more than usual. 

What does pet insurance cover for a Lurcher?

Pet insurance for your dog is designed to cover the cost of treatment if your dog develops an illness or injury. There are three levels of coverage available, and the level you choose will determine what treatments are covered by your policy:

  • Accidents: This covers your dog if they have an accident. It doesn’t include illnesses that may develop over time, such as arthritis.
  • Illness: Illness cover includes accidents and the cost of treating any diseases that may develop over time.
  • Routine care includes accidents and illnesses and covers costs associated with preventative treatments, such as flea treatments or worming tablets.

How are pet insurance premiums determined for a Lurcher?

Here are some factors that affect annual premium:

  • Location:  Your premium will be determined by your zip code. The cost of living varies by area, and so does the cost of veterinary care. Premiums are generally higher in urban areas and rural areas tend to have lower premiums. 
  • Age: Older pets usually require more visits to the veterinarian than younger pets do. The older your dog, the higher your premium will likely be due to this increased likelihood of vet visits.
  • Deductible: The deductible is the amount of money you must spend before the insurance company begins reimbursing you for eligible expenses. Premiums typically decrease as the size of your deductible increases because you are responsible for paying a portion of your vet bill before the insurance company begins contributing.
  • Gender: Male dogs tend to cost higher for insurance since they are more aggressive; hence they are prone to injuries.

How to choose the best pet insurance plan for a Lurcher

Before investing any money into insurance, there are some steps you should consider to make sure you’re making the right choice. Here’s are a few tips to choose the best pet insurance for a Lurcher:

  • Check out the company’s reputation: The first thing you should do when researching different options is check out the company’s reputation. An excellent way to do this is by checking out their reviews online. You can also ask family and friends whether they have used any particular companies and if they liked them or not.
  • Consider your budget: Before you start, think about what you can afford and decide on a maximum monthly premium. This will help narrow down the options available to you.
  • Consider pre-existing conditions: Veterinary costs can be high if your dog develops ongoing health problems, but it’s worth remembering that most pet insurers won’t cover pre-existing medical conditions. So it’s essential to take out insurance early in your pet’s life when they are still healthy. This will provide them with protection for any new illnesses or injuries they develop throughout their life, and it could save you the headache of having to foot the bill for expensive veterinary care yourself.
  • Define your needs: Decide which level of cover you need – basic, complete, or somewhere between. This will largely depend on your budget and how much risk you’re willing to take.

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