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Best Savannah Pet Insurance of 2024

Lisa Scott

Veterinary costs can be extremely high for a Savannah, particularly if you encounter any health problems early on. Fortunately, 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 Savannah?

Having a healthy pet is the most important thing, whether you have a cat, dog, or other pet. But an emergency visit to the vet can be expensive! How much is too much, and is insurance worth it? Here are some reasons why you should consider having pet insurance cover for your Savannah cat:

Accident and injury cover: Accidents can happen, and when they do, it’s best to be prepared for them. We all know that cats are curious creatures, so even if you think you’ve made everything safe and sound for them, they’ll find a way of getting into trouble. They might get hit by a car or fall from a height. The consequences can be costly. For example, if your cat needs surgery, you’ll have to pay for it. This is where insurance will come in handy. You’ll also receive help with treatments, including scans, X-rays, and medications.

Illness cover: A good policy will offer illness cover and accident and injury cover. You don’t want to be worrying about money when your beloved pet is ill. It’s best to leave those things to the experts, who know what they’re doing!

Peace of mind: You can rest assured that your cat will be covered by an insurer who will take care of it no matter what happens. If something happens to your cat, you won’t struggle to pay for its medical bills.

Common health conditions for a Savannah

Savannahs are generally healthy, hardy cats who can live for 12-18 years. Some of the common health conditions that affect Savannahs include:

  • Hypertrophic cardiomyopathy (HCM): a heart disease that can cause sudden death. HCM is found in many cat breeds, and responsible breeders will have their breeders tested for it before they breed them.
  • Polycystic kidney disease (PKD) is a genetic disease that causes cysts to form on the kidneys. Affected cats usually don’t show symptoms until late in life, when the cysts cause kidney function problems. PKD is found in many cat breeds, and responsible breeders will test for it before breeding their cats.
  • Feline immunodeficiency virus (FIV): like human HIV, FIV attacks the immune system and makes cats susceptible to opportunistic infections. FIV is spread through bite wounds. It’s impossible to tell whether a cat has FIV just by looking at them, so if you acquire an adult Savannah, you should ask your vet to test them for FIV before introducing them to your other pets.
  • Feline panleukopenia (FP): Panleukopenia is a highly contagious disease characterized by vomiting, fever and dehydration. It’s often fatal, particularly in kittens. Even if the cat survives, it will have an impaired immune system for the rest of its life.
  • Calicivirus: This virus can cause acute respiratory illness, leading to oral ulcers and pneumonia. Cats with the virus become lethargic, develop a fever and lose their appetites. Most cats recover on their own within two weeks, but antibiotics may be needed to treat secondary infections.
  • Periodontal disease: This bacterial infection affects the gums and teeth. If left untreated, periodontal disease can cause tooth loss. More importantly, it can lead to kidney or heart failure in Savannah cats, as bacteria from the mouth travel through the body and damage other organs.

What does pet insurance cover for a Savannah?

Pet insurance is often purchased for dogs and cats, but it’s not just limited to those species. You can buy pet insurance for animals ranging from birds and reptiles to equines and livestock. Here are the three main things offered by most pet insurance companies:

  • Accidents are sudden, unexpected events that cause injury, such as a cat eating a sock and needing surgery to remove it. Accident insurance can help with the cost of emergency visits, treatments, and surgeries.
  • Illness: These are ongoing condition that requires ongoing treatment, such as cancer. This type of coverage can help with the costs of medication and other treatments but is often more limited than accident-only coverage.
  • Routine care: Also referred to as preventative or non-emergency care. It includes physical exams and vaccinations, amongst other things. Most companies offer optional add-ons for recurring care costs.

How are pet insurance premiums determined for a Savannah?

This breed is not as common as other cats, but many people own them and require pet insurance to keep them healthy. Several factors affect the cost of pet insurance for a Savannah cat, including:

  • Location:  If your area is prone to extreme weather and natural disasters, like hurricanes and tornados, you can expect to pay more for your policy. In addition, if you live in an area with a large concentration of wildlife, like coyotes or raccoons, you’re likely to pay more. Your neighborhood also plays a role in determining your premiums — rural areas tend to be less expensive than urban ones.
  • Age: Generally, the older they are, the more expensive their coverage is. As they age, they become more prone to diabetes and kidney disease illnesses. Costs typically increase as much as 10% with each year of age.
  • Deductible: This is the amount you pay out of pocket before coverage kicks in. The lower the deductible, the higher your premium. You want to find a deductible that you can afford to pay if your cat experiences an emergency but will still allow you to save money over time by helping cover other veterinary costs. 
  • Gender: Female pets tend to be less expensive than males because they have fewer health issues and rarely engage in risky behavior. Male pets may cost more because they have more medical problems and engage in more dangerous behaviors, such as fighting with other pets or getting themselves into trouble (like trying to escape from their home).

How to choose the best pet insurance plan for a Savannah

There are several factors to consider when shopping for the best pet insurance plan for your Savannah:

  • Check out the company’s reputation: Plenty of pet insurance companies are out there, but not all of them are created equal. Before committing to a plan, do some research on the company. What do other pet owners say about them? Do they offer good customer service? Take the time to read through their reviews and learn about the services they provide.
  • Consider your budget: Pet premiums can vary depending on several factors, including your dog’s breed, age and where you live. Before settling on a policy, make sure it fits within your budget. If you’re not sure how much premium you can afford, use our pet insurance calculator to get an estimate.
  • Consider pre-existing conditions: Some plans won’t cover pre-existing conditions, period. Others will only pay for genetic conditions (like hip dysplasia) if they were diagnosed after your policy took effect. Make sure you understand how each provider treats pre-existing conditions before signing up.
  • Define your needs: No two pet owners are alike, and what works for some people may not work for others. Pet owners should consider their circumstances and decide how much they’re willing to pay out of pocket for veterinary care, then look at pet insurance policies to determine how much coverage they want.

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