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Best Malamute Husky Pet Insurance of 2022

Lisa Scott

If you have a Malamute Husky, chances are 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.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

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.

Short waiting periods on accidental coverage

Unlimited

Coverage Up To

70% - 100%

Reimbursement Rates

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

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

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 Rates

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

Is pet insurance worth it for a Malamute Husky?

A Malamute Husky requires special care and attention because of their size and activity level. They have high energy levels, so they need a lot of exercise and stimulation to keep them happy and healthy. However, these activities may lead to accidents and injuries. They are also prone to various diseases.

Medical treatment for your Malamute Husky can become very expensive, especially if they encounter a more serious issue that requires invasive treatment. Medical bills for treating a sick Malamute Husk 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 pet’s medical treatments and procedures, while you focus 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 important and beneficial for your pet.

Common health conditions for a Malamute Husky

Typically, a Malamute Husky has a longer lifespan than the average dog. You can expect your dog to live somewhere between 10 – 15 years. However, like all dog breeds, there are certain medical conditions that your dog could develop. Some of the health conditions most commonly seen in a Malamute Husky are:

  • Hip dysplasia: This abnormal formation of the hip socket can lead to arthritis over time. Signs of hip dysplasia include limping, stiffness in the joints, and a decreased range of motion.
  • Degenerative myelopathy: This condition causes weakness in the dog’s back legs and can eventually lead to paralysis. While no treatments are available for degenerative myelopathy, physical therapy can help with mobility and muscle strength in an affected Malamute Husky. If you suspect degenerative myelopathy in your Malamute Husky, take it to the vet immediately for a proper diagnosis and treatment plan.
  • Hip dysplasia: This is a condition where the hip joints do not fit together. If your Malamute Husky has this condition, you will notice signs such as abnormal gait, lameness, and pain when moving. Most Malamute Huskies with this condition need surgery to repair the problem.
  • Inherited eye diseases: Some Malamute Huskies are born with poor eyesight or other eye problems. These dogs will show squinting, red eyes, and watery eyes. A veterinarian can diagnose these problems and make recommendations on treating them.
  • Gastric torsion or bloat: This condition occurs when the stomach becomes enlarged with gas while twisting on itself. This is a dangerous condition because it can cut off blood flow.

What does pet insurance cover for a Malamute Husky?

Pet insurance covers a range of diagnostics, treatments, and procedures for your dog. Based on your plan, you are eligible for the following coverage:

  • Accident-only: This plan covers injuries from accidents, such as when your pet gets hit by a car, falls from a high place, or swallows something poisonous or sharp. It doesn’t cover wellness visits, vaccinations, flea control, other routine care, or pre-existing conditions.
  • Accident and illness: This plan covers accidents and illnesses (such as cancer, diabetes, or dermatitis) that are not pre-existing. Like the accident-only plan, it doesn’t cover wellness visits or other routine care, or pre-existing conditions.
  • Routine care: This covers routine visits to the vet (for example, annual check-ups and vaccinations). This is usually an add-on to the standard plan.

In addition, most insurance providers will not cover pre-existing conditions that were established before you registered your pet for coverage. Be sure to 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 are pet insurance premiums determined for a Malamute Husky?

There are many factors that will determine the monthly premium rate for your Malamute Husky (included but not limited to):

  • Gender: Males dogs tend to be more aggressive and adventurous which could lead them to trouble (fightning with other dogs), so premiums are generally higher for male dogs.
  • Age: The older the dog, the more likely it is to have health issues. This means that older dogs will generally pay more for pet insurance than younger ones.
  • Deductible: This is the cost you pay out of pocket before coverage kicks in. If you choose a lower deductible, you will pay a higher premium.
  • Location: Costs can vary by state. Some states have higher rates of illness that can raise your premium. Another factor are veterinarian costs within the location. If the vet costs are high, your premiums will be higher.

How to choose the best pet insurance plan for a Malamute Husky

There are many pet insurance options available for a Malamute Husky, 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:

  • Consider your budget: Picking the most expensive policy on the market doesn’t mean that it’s the best choice for your Malamute Husky (unless you have a healthy budget to accommodate it). Look into the various coverages that fit your current situation with your pet.
  • Check out the company’s reputation: You can get a sense of an insurance company by looking at its track record. Do they pay claims in a timely manner? You can check with other pet owners and your vet if they have any experience with the insurance provider.
  • Define your needs: Explore the various types of coverage that pet insurance provides and tailor your plan to your Malamute Husky’s needs. Take into consideration of the various diseases that your dog could be susceptible to.
  • Consider pre-existing conditions: When you insure your pet, it’s essential to read carefully about coverage for pre-existing conditions, so you know what’s covered and what isn’t.