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Best Siberian Husky Pet Insurance of 2022

Lisa Scott

If you have a Siberian 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 Siberian Husky?

A Siberian Husky is prone to various health conditions from eye issues to Addison’s disease, which requires regular monitoring and medication.

Medical treatment for your Siberian Husky can become very expensive, especially if they encounter a more serious issue that requires invasive treatment. If your Siberian Husky requires extensive diagnostic testing or surgery, you could be faced with a bill of thousands of 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 Siberian Husky

Siberian Huskies are generally healthy and have a long lifespan than the average dog. You can expect your dog to live somewhere between 12 – 15 years. However, like all dog breeds, there are certain medical conditions that your dog could develop. Not all Siberian Huskies will get any or all of these diseases, but it’s important to be aware of them:

  • Progressive retinal atrophy (PRA): This degenerative eye disorder eventually causes blindness from the loss of photoreceptors at the back of the eye. PRA is detectable years before the dog shows any signs of blindness.
  • Corneal dystrophy: An inherited condition in which the cornea becomes cloudy due to abnormal lipid deposits. The cornea may stay cloudy for months or even years at a time. The dog’s vision isn’t affected unless there is an ulcer on the cornea (which sometimes occurs). Treatment involves surgery to remove the ulcer and antibiotics to control infection, and treatment with artificial tears and ointments.
  • Hip dysplasia: In hip dysplasia, the femur does not properly fit into the hip joint. This can lead to lameness and arthritis.
  • Uveodermatologic syndrome: This autoimmune disease affects Siberian Huskies, Alaskan Malamutes, and Akitas. It causes inflammation of a part of the eye called the uvea, leading to blindness. The symptoms include redness of the eyes (pink eye), squinting and light sensitivity.
  • Follicular dysplasia: Follicular dysplasia is a hereditary condition that affects the hair follicles causing permanent hair loss and bald areas on the dog’s skin. It often starts during the puppy stage, specifically up to six months. The bald spot is commonly at the top of the head, but it can spread throughout the body as the dog ages.

What does pet insurance cover for a Siberian 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:

  • Accidents: If your dog gets hit by a car or breaks a leg in an accident, pet insurance will typically cover this type of injury.
  • Illness: Pet insurance covers health problems caused by illness or disease. This includes diabetes, inflammatory bowel disease and cancer.
  • Routine care: Some insurers offer routine care coverage as an add-on to your standard plan. It covers common procedures like vaccinations, spaying/neutering, dental cleaning and flea prevention treatments.

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 Siberian Husky?

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

  • Location: Areas where vets charge more for their services will lead to higher premiums.
  • Age: Older pets are more likely to have health problems and are at a higher risk for the insurance company. This leads to higher premiums for older pets.
  • Deductible: The deductible is the amount you will pay out of pocket before coverage kicks in. The lower the deductible, the higher the premium. And vice versa, the higher your deductible, the less you’ll pay per month or year for coverage.
  • Gender: Male dogs are statistically more prone to injuries than female dogs, making them a bigger risk for an insurance company. If you have a male Siberian Husky, expect to pay more for pet insurance than if you had a female dog.

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

There are many pet insurance options available for a Siberian 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:

  • Check out the company’s reputation: Read up on reviews and consider looking into Better Business Bureau to determine whether the company has any customer complaints.
  • Consider your budget: It’s also important to consider how much money you can afford to spend on pet insurance. Monthly premiums vary from one provider to another. You may be able to customize your plan by opting for fewer coverage options to lower your premium. Some programs also require that you pay a deductible before coverage kicks in.
  • Consider pre-existing conditions: If your dog already has medical issues, most pet insurance providers will not cover it.
  • Define your needs: It’s also important to think about what kind of coverage would be best for your dog based on their lifestyle. This way, you can compare quotes across insurers to find the right plan for your particular dog.