Americans love Siberian Huskies for their striking look and wolf-like appearance. They’re known to be a friendly and fun-loving breed that is healthier overall than many other purebred dogs. Still, Huskies are predisposed to several hereditary health conditions, such as hip dysplasia, irritable bowel syndrome, and multiple eye disorders.
However, due to their high energy, they’re also prone to accidents and some secondary health concerns if they don’t get the necessary exercise and mental stimulation they require. This can lead to anxiety, eating foreign objects, and behavioral problems. All of these health concerns can cause a lot of worries for you trying to financially plan for your pup’s future problems.
Having pet insurance can significantly reduce the financial burden of expensive health problems that might come up with a purebred Husky. With over a decade of experience in the pet insurance field, I’m ready to assist you in finding the best coverage options available. I can also provide valuable information about typical health issues and their costs, helping you make a well-informed decision for your beloved furry friend.
Best Pet Insurance For Siberian Huskies
Siberian Huskies, just like any other purebred dog, have specific insurance requirements. That’s why I’ve thoroughly researched the best pet insurance options for your pup’s breed. I chose these insurers by considering various factors such as the coverage options, particular health issues, a dog’s age, premium costs, and more.
Best Value:Pets Best
- Policy Options:Accident-Only,Accident &Illness,Wellness
- Annual Deductible Options:$50,$100,$200,$250,$500,$1,000
- Annual Payout Options:$5,000,Unlimited
- Reimbursement Options:70%,80%,90%
Why I Picked Pets Best
Huskies can get extensive protection from Pets Best at a reasonable cost.With the company’s flexible plans,you can customize your coverage,benefits,and premium pricing. Pets Best is also a fantastic option for individuals trying to cut costs because it’s one of the few pet insurance providers that offers an accident-only policy.
Particularly for accidents,hip dysplasia,and CCL tears,you can feel comfortable knowing that your insurance will begin protecting your pup quickly because Pets Best has faster waiting times than many other companies. Additionally,Pets Best offers a wellness plan add-on for your policy at a low monthly cost.
Expert Price Analysis
When I gathered price quotes for Huskies,I found Pets Best’s base policy to be among the most affordable options.Pets Best still offered very competitive rates when I analyzed quotes that factored in rehabilitation and vet exam fee coverage.
| Pros | Cons |
|---|---|
| Excellent value for both lower and higher coverage | Lengthy 18-30 day claim processing |
| One of few providers offering an accident-only policy | Must upgrade to a higher plan for vet exam fee coverage and complementary therapies* |
| Save 5% by insuring multiple pets | CCL injuries aren’t covered in accident-only plan and have a 6-month waiting period in accident and illness plan |
| Covers treatable pre-existing conditions once healed | |
| Budget-friendly wellness plan add-on | |
| Significantly shorter waiting period (14 days as opposed to 6 months) for hip dysplasia | |
| No age limits to insure an older dog |
In-Depth Review Of Pets Best
Take a look at my comprehensive review of Pets Best to discover details about its various plans,customization options,waiting periods,reimbursement process,and more.
Best All-Inclusive Policies:Fetch
- Policy Options:Accident &Illness,Wellness
- AnnualDeductible Options:$250,$300,$400,$500,$700
- Annual Payout Options:$5,000,$10,000,$15,000
- Reimbursement Options:70%,80%,90%
Why I Picked Fetch
Fetch’s policies are designed to be inclusive,offering comprehensive coverage that meets all your Husky’s needs without any additional costs. Each policy covers veterinary exam fees,dental care,complementary care,behavioral therapies,and C-sections. These are benefits other insurers often exclude or require expensive upgrades. Notably,Fetch also covers curable pre-existing conditions and injuries after a 12-month waiting period without any signs,symptoms,or treatment.
In addition to the comprehensive coverage,Fetch provides special perks that can help you save money. These perks include assistance for lost pets,trip cancellation coverage if your furry friend falls ill,and up to $1,000 annually for virtual vet consultations (no deductible required). Moreover,Fetch provides peace of mind by offering pre-approval for procedures and cost estimates before treatment.
Expert Price Analysis
When I used the same deductible,reimbursement,and payout for the quotes I gathered for Huskies,Fetch’s pricing was sometimes average or even above average,but in other cases,it was very competitive.I found similar results when I compared the cost of Fetch’s policy to other insurers that included exam fee coverage.
| Pros | Cons |
|---|---|
| All-inclusive policies with few exclusions | Long 15-day accident waiting period |
| Covers treatable pre-existing conditions provided a dog is symptom-free for a year | 6-month waiting periods before hip dysplasia and CCL injuries are covered |
| Special advantages include virtual vet visits,pet boarding,trip cancellation,and more | No multi-pet discount |
| Optional wellness plan | |
| Preapproves procedures and estimates of treatment costs | |
| No age limits to insure an older dog |
In-Depth Review Of Fetch
Check out my in-depth review of Fetch,where I dive into its broad coverage,special features,customization options,waiting periods,and much more.
Best For Unlimited Payouts:Healthy Paws
- Policy Options:Accident &Illness
- Annual Deductible Options:$100,$250,$500,$750,$1,000
- Annual Payout Options:Unlimited
- Reimbursement Options:50%,60%,70%,80%,90%
Why I Picked Healthy Paws
Given the propensity of Huskies to develop costly health issues,it’s prudent for owners to consider pet insurance with unlimited annual payouts. This is where Healthy Paws shines. With Healthy Paws,you won’t ever have to worry about hitting a coverage limit,as every policy features an unlimited annual (and lifetime) cap.
Does this mean Healthy Paws is pricier than other options? Not necessarily. In fact,Healthy Paws plans are often more affordable than those from other companies that provide unlimited annual payouts with similar deductibles and reimbursement rates. For some Huskies,Healthy Paws could be a more budget-friendly choice than policies with lower payout limits.
Expert Price Analysis
Comparing Healthy Paws’ premium costs with those of other insurance providers can be challenging. However,I found that their policies for Huskies can be either more affordable or similarto those from other insurers with similar deductibles,reimbursements,and a $5,000 annual payout.
| Pros | Cons |
|---|---|
| No limits on annual or lifetime payouts | For older dogs,there are very few options for a deductible and reimbursement |
| Compared to others with unlimited payouts and the same deductible and reimbursement,premiums are frequently less expensive | Certain Huskies may not be eligible for insurance due to their age and where they live |
| Quick average of 2 days for processing claims | Inability to obtain coverage for veterinary examination costs and behavioral therapy |
| 15-day waiting period (many have 6 months) for CCL surgery | Dogs who enroll at the age of 6 or older aren’t eligible for hip dysplasia coverage |
| Complementary therapy coverage included | Much longer than average 12-month waiting period for hip dysplasia |
| A long-standing record of happy customers |
In-Depth Review Of Healthy Paws
In my comprehensive review of Healthy Paws,I explore the coverage,restrictions,customization choices,waiting periods,and more offered by this provider.
Best For Shortest Accident Waiting Period:Figo
- Policy Options:Accident &Illness,Wellness
- AnnualDeductible Options:$100,$250,$500,$750
- Annual Payout Options:$5,000,$10,000,Unlimited
- Reimbursement Options:70%,80%,90%,100%
Why I Picked Figo
Huskies can be susceptible to various injuries due to their energetic nature and endless curiosity. If your Husky tends to get into mishaps,you may want to consider Figo for itsimpressive one-day accident waiting period.Starting on day two after enrollment,your furry friend will be fully covered if they accidentally ingest something they shouldn’t,get hurt from their playful antics,or even suffer a bee sting.
Figo also stands out as a fantastic option because it offers a variety of customization choices,such as unlimited annual caps and 100% reimbursement. Additionally,their policies include coverage for complementary care,behavioral therapies,and gum disease. Figo also covers treatable pre-existing conditions,like skin infections,frequently seen in Huskies.
Expert Price Analysis
Comparing the quotes I ran,Figo’s lower coverage ($750 deductible,70% reimbursement,and a $5,000 payout) was competitively pricedfor Huskies in many locations. However,I found that premiums for higher coverage ($100 deductible,90% reimbursement,and unlimited payout) often fell above average.
| Pros | Cons |
|---|---|
| Industry-leading 1-day waiting period for accidents | Add-on required for vet exam fee coverage |
| Many customization options,such as 100% reimbursement and limitless payouts | Lengthy 6-month hip dysplasia and CCL waiting periods |
| Gum disease,complementary care,and behavioral therapy are all covered | |
| Covers treatable pre-existing conditions provided a dog is symptom-free for a year | |
| 2 wellness plan add-ons | |
| Lowers your deductible by $50 for every year you go without a claim payment | |
| Quick average of 3 days for processing claims | |
| Save 5% by insuring multiple pets | |
| No age limits to insure an older dog |
In-Depth Review Of Figo
Explore additional information about this provider’s offerings,personalization options,coverage details,reimbursement procedures,and my firsthand experience in my comprehensive review of Figo.
Best For Siberian Husky Puppies:Embrace
- Policy Options:Accident-Only,Accident &Illness,Wellness
- AnnualDeductible Options:$100,$250,$500,$750,$1,000
- Annual Payout Options:$5,000,$8,000,$10,000,$15,000,Unlimited
- Reimbursement Options:70%,80%,90%
Why I Picked Embrace
Embrace allows you to enroll your puppy as young as six weeks,earlier than many other insurers that typically require pets to be at least eight weeks old. With a quick two-day waiting period for accidents,you can feel secure knowing your little Husky is protected,especially if they get injured during playtime or swallow something harmful.
Embrace provides some of the most thorough accident and illness policies available. Each policy covers behavioral and complementary therapy and includes $1,000 for annual dental illness care.You can also enhance your coverage with options for prescription medications and veterinary exam fees. Plus,with a diminishing deductible,Embrace is an excellent choice for enrolling your puppy for a lifetime of care.
Expert Price Analysis
When I analyzed quotes,I found that Embrace consistently provided some of the most affordable pricing for Husky puppies.Older Huskies’ premiums across various locations often landed in the mid-range,especially when using the same deductible,reimbursement level,and annual payout. This trend continued when I included coverage for exam fees and prescription medications.
| Pros | Cons |
|---|---|
| Excellent value for Husky puppies | Add-ons required for coverage for prescription drugs and vet exam fees |
| Impressive 10% discount for multiple pets | Certain Huskies may not be eligible for insurance due to their age and where they live |
| Lowers your deductible by $50 for every year you go without a claim payment | Lengthy 6-month hip dysplasia and CCL waiting periods |
| Every policy covers $1,000 for dental care,complementary care,and behavioral therapy | |
| Covers treatable pre-existing conditions provided a dog is symptom-free for a year | |
| Offers 3 tiers of wellness plan add-ons |
In-Depth Review Of Embrace
Check out my detailed review of Embrace,where you’ll find extensive information about this provider’s benefits,multiple customization choices,reimbursement procedures,and more.
Best For Customizable Plans:Lemonade
- Policy Options:Accident &Illness,Wellness
- Annual Deductible Options:$100,$250,$500
- Annual Payout Options:$5,000,$10,000,$20,000,$50,000,$100,000
- Reimbursement Options:70%,80%,90%
Lemonade Pet Insurance Is NOT Available In:AK,AZ,DE,HI,ID,KS,KY,LA,ME,MN,MT,WV,WY
Why I Picked Lemonade
Lemonade offers a flexible à-la-carte style for pet insurance,allowing Husky owners to customize their coverage to fit any budget.Their basic plan is often one of the most cost-effective options available. For those seeking more comprehensive benefits,Lemonade provides the opportunity to enhance your plan with various add-ons. These options cover vet exam fees,dental sustenance,physical therapy,behavioral therapy,and end-of-life services. You can also select from two budget-friendly wellness plans.
Lemonade also offers a good selection of options for your annual payout,reimbursement,and deductible to further personalize your benefits. It’s worth mentioning that Lemonade introduced its pet insurance product in 2020. Even though this insurer is relatively new compared to others I recommend in this article,it has quickly built a strong reputation.
Expert Price Analysis
After analyzing insurance quotes for Huskies of different ages and locations,it became clear that Lemonade consistently stood out for its affordability.This was the case even when considering the same deductible,reimbursement,and annual payout. Even with vet exam fee coverage included,Lemonade continued to offer highly competitive pricescompared to leading insurers.
| Pros | Cons |
|---|---|
| Competitively priced premiums | Unavailable in over a dozen states |
| Offers a lot of flexibility to design a policy that best suits your needs | Additional fees for veterinary exam costs,enhanced dental care,physical therapy,behavioral therapy,and end-of-life care |
| Save 5% with multiple pets | Long waiting period for CCL injury coverage of 6 months |
| Quick average of 2 days for processing claims | |
| Covers treatable pre-existing conditions provided a dog is symptom-free for a year | |
| Offers 2 wellness plan add-ons | |
| 30-day waiting period for hip dysplasia is shorter than average |
In-Depth Review Of Lemonade
For more information on this insurer’s customization options,add-ons,wellness plans,reimbursement process,and other features,see my in-depth review of Lemonade.
Best For Pre-Existing Bilateral Conditions:Trupanion
- Policy Options:Accident &Illness
- Per-IncidentDeductible Options:$0 – $1,000 (in $5 increments)
- Annual Payout Options:Unlimited
- Reimbursement Options:50%,60%,70%,80%,90%,100%
Why I Picked Trupanion
Trupanion is different from many other pet insurance companies because it offers coverage for pre-existing bilateral conditions. This means that if a condition is diagnosed on one side of the body before enrollment,it won’t be excluded from the other side. Huskies are known to experience bilateral issues such as multiple eye disorders,CCL tears,and hip dysplasia.This can be a huge advantage,particularly given the potentially high expenses associated with many bilateral health issues. Also,all of Trupanion’s policies feature unlimited annual payouts.
Expert Price Analysis
Comparing quotes for various ages and locations,I found that Trupanion’s Husky premiums were substantially more than those of other providers.In older dogs,this difference can sometimes be hundreds of dollars more.
| Pros | Cons |
|---|---|
| No limit on annual payouts in every policy | Higher pricing for Huskies than other insurers |
| Instead of having to wait for reimbursement,Trupanion might be able to pay your veterinarian directly | Inability to obtain coverage for veterinary examination costs |
| Provides coverage for pre-existing bilateral conditions | Long waiting period for illnesses of 30 days |
| Covers treatable pre-existing conditions provided a dog is symptom-free for a year | |
| Quick average of 2 days for processing claims | |
| 30-day waiting periods for CCL injuries and hip dysplasia are shorter than average |
In-Depth Review Of Trupanion
For additional details on this provider’s coverage,customization choices,waiting periods,vet direct pay,and other features,read my thorough review of Trupanion.
What Type Of Pet Insurance Plan Is Best For Siberian Huskies?
Pet insurance plans generally fall into two categories:accident-only and accident and illness coverage. Moreover,some companies offer optional wellness or preventative plans. While these aren’t insurance products,they can be a great way to budget for routine and preventive care,helping to ensure your Husky stays as healthy as possible.
| Accident-Only | Accident &Illness | Wellness | |
|---|---|---|---|
| Injuries(CCL injuries,accidental poisoning,broken bones,wounds,etc.) |  | | |
| Diseases(hip dysplasia,skin infections,eye disorders,IBD,laryngeal paralysis,etc.) | | ||
| Preventative(yearly checkups,vaccinations,professional dental cleaning,etc.) | |
What Are Accident-Only Pet Insurance Plans?
Accident-only plans are designed to help with emergency care costs for pets that have experienced unavoidable accidents and injuries. This includes situations like foreign object ingestion,eye trauma,fractures,wounds,and CCL injuries.
These plans are not just an excellent option for budget-conscious pet owners,but also for pets with several pre-existing conditions that wouldn’t be eligible under a more comprehensive accident and illness policy. Remember that,as the name implies,these plans do not cover illnesses or hereditary diseases.Furthermore,only a limited number of providers offer accident-only plans.
Pricing Tip– Compared to accident and illness plans,accident-only plan premiums are typically much lower.
What Are Accident &Illness Pet Insurance Plans?
Accident and illness policies offer extensive coverage for various health conditions,not just injuries. They include protection against issues like cataracts,glaucoma,kidney disease,hypothyroidism,skin infections,irritable bowel disease,hip dysplasia,and other ailments common to this breed. This ensures you’re well-equipped to handle almost any health challenge that might come your pup’s way.
What Are Wellness Plans?
Incorporating a wellness plan into your pet insurance policy is a smart move to take charge of your pet’s health. These plans help cover the expenses of regular preventive care,including yearly checkups,vaccinations,professional dental cleanings,and additional services.By planning for your pet’s health with a wellness plan,you can ease financial concerns and promote your pet’s well-being.
It’s essential to keep in mind that wellness plans are distinct from pet insurance. They do not provide coverage for expenses associated with illnesses or accidents.
What Does Pet Insurance Cover &Exclude?
When determined medically required,various providers’ insurance plans for illnesses and accidents usually cover the conditions below. It’s crucial to thoroughly review your policy,as different insurers may have specific restrictions in certain circumstances.
| Covered | Excluded |
|---|---|
| Blood tests | Boarding |
| Cancer (chemo &radiation) | Cremation &burial costs |
| CT scans | Elective procedures (e.g.,declawing,ear cropping,spaying/neutering,tail docking,etc.) |
| Chronic conditions | Food &supplements |
| Congenital conditions | Grooming |
| Emergency care | Pre-existing conditions* |
| Euthanasia | Pregnancy &breeding |
| Hereditary conditions | Vaccines |
| MRIs | |
| Non-routine dental treatment | |
| Prescription medications | |
| Rehabilitation | |
| Specialized exams &care | |
| Surgery &hospitalization | |
| Ultrasounds | |
| X-rays |
Learn More About Pet Insurance Coverage
Understanding coverage and exclusions can be tricky,so I recommend checking out my detailed guide on what pet insurance covers and doesn’t.
What Determines The Cost Of Pet Insurance For Siberian Huskies?
The location and age of your Husky,the underwriting requirements of each insurer,and other variables can all have an impact on the cost of pet insurance. Here’s a quick summary to help you understand.
- The age of your puphas a significant impact on how much pet insurance costs. Because they pose less of a health risk,younger dogs have lower insurance premiums than older dogs.
- Premium pricing is directly impacted by the cost of living in your area.It’s important to keep in mind that price fluctuations affect you and veterinarians in the same manner. Therefore,your veterinary bills and pet insurance premiums will be more expensive if the cost of living in your area is high.
- The type of breedplays a significant role in determining the cost of pet insurance. Certain breeds are more prone to health issues than others. Furthermore,purebred dogs such as Huskies tend to face more health challenges,which can lead to higher insurance premiums.
- Male Huskies can be more expensive to insurecompared to female Huskies. Due to their larger size,male dogs may require larger doses of medications,larger medical equipment,and more medical supplies. However,not all insurance companies base their premium prices on the gender of the dog.
The factors mentioned above that influence your policy’s cost may be out of your hands,but there are multiple ways to tailor your pet insurance plan to suit your requirements and budget. Let’s delve into how this can work for you.
Customization Options Affect Cost &Benefits
Did you know that you have a lot of control over the cost of a pet insurance policy? Most pet insurance providers offer a variety of customizable options to suit your financial needs. You can choose between a policy that covers only accidents or one that includes both accidents and illnesses. You also have the flexibility to adjust the deductible,reimbursement rate,and maximum payout. It’s important to understand how each change will affect your coverage.
What Is The Maximum Payout?
In the pet insurance market,there are two kinds of payouts:annual and lifetime. Annual maximum payouts indicate the highest amount the insurance company will reimburse you for your pet’s medical expenses in one policy year. On the other hand,a lifetime cap is the total amount the insurer will pay for your pet’s care over their entire life while they are insured. The providers mentioned in this article all offer annual payouts,with common options of $5,000,$10,000,and unlimited.
Pricing Tip– While choosing a higher payout increases your monthly premium,you’ll benefit from less out-of-pocket expenses should your pup require costly treatment.
Is The Deductible Annual Or Per-Incident?
The deductible refers to the amount you must pay yourself before your insurance provider covers the rest of your veterinary expenses.Most pet insurers I suggest in this article and many others feature an annual deductible that usually falls between $100 and $1,000. However,companies like Trupanion implement a per-incident (sometimes called per-condition) deductible. So,what sets these two types of deductibles apart?
- Annual deductible:This is a fixed amount you pay once per policy year,regardless of how many health problems your pup may have or treatments they require. This consistency helps you plan and manage your pet’s healthcare expenses more easily.
- Per-incident deductible:You are responsible for paying a per-condition deductible each time your pet experiences a new medical issue or emergency.This can add up quickly if your dog has multiple health concerns in a single year. However,for ongoing chronic issues like inflammatory bowel disease,arthritis,glaucoma,and kidney disease,this type of deductible can be beneficial,as you only need to pay it once for that specific condition throughout your pet’s insured lifetime.
Pricing Tip – A higher deductible will result in a lower monthly premium,but you will have to pay more out of pocket for treatment.
What’s The Reimbursement Percentage?
The reimbursement rate you select determines the amount of your vet bills that the insurance company will cover after you pay your deductible.For example,if you choose a 90% reimbursement rate with a $500 deductible,you would pay the first $500 plus 10% of the total vet bills. The insurance would cover the remaining amount. Typical reimbursement options are 70%,80%,and 90%.
Pricing Tip– Choosing a lower reimbursement percentage reduces the cost of your monthly premium but results in higher out-of-pocket costs for treatment.
Learn More About Pet Insurance Costs
For additional details on how these customization choices impact the price and benefits of your policy,see my in-depth article on pet insurance costs.
How Much Is Pet Insurance For A Siberian Husky?
Enter your zip code and Husky’s information in the form below to get customized pet insurance quotes from several leading companies. This provides you with the most precise information regarding the cost of dog insurance for you. I’ve also run a few quotes for Huskies to get a general sense of how costs compare.
According to NAPHIA (North American Pet Health Insurance Association),the average monthly premium for an accident and illness dog insurance policy in the U.S. is $56.30 ($31.94 for cats).
I gathered several insurance quotes for Huskies,considering different locations and ages,to give you a general sense of premium pricing. These quotes feature comparable customization options sourced from the top insurance providers I’ve selected for this breed.
*80% reimbursement;†50% reimbursement and $1,000 deductible (no other options);‡$0 deductible;§Unlimited annual payouts
Siberian Husky Insurance Cost:Lowest &Highest Amounts
I also gathered quotes for the lowest and highest premiums from the same providers to give you an additional cost comparison. These quotes take into account the annual payout,reimbursement,deductible,and optional add-ons (excluding wellness plans). I considered two different ages of Huskies to illustrate how premiums change depending on the dog’s age at enrollment.
| Company | 2mo old 95818 (Sacramento,CA) | 5yr old 95818 (Sacramento,CA) | 2mo old 14211 (Buffalo,NY) | 5yr old 14211 (Buffalo,NY) | 2mo old 33604 (Tampa,FL) | 5yr old 33604 (Tampa,FL) | 2mo old 78731 (Austin,TX) | 5yr old 78731 (Austin,TX) | 2mo old 07305 (Jersey City,NJ) | 5yr old 07305 (Jersey City,NJ) |
|---|---|---|---|---|---|---|---|---|---|---|
| $17-$104 | $23-$140 | $11-$70 | $15-$95 | $12-$79 | $15-$97 | $15-$84 | $18-$104 | $20-$117 | $25-$144 |
| $30-$76 | $56-$144 | $26-$56 | $45-$100 | $30-$66 | $52-$118 | $32-$70 | $55-$123 | $31-$59 | $53-$103 |
 | $24-$60 | $34-$68 | $22-$46 | Uninsurable | $26-$59 | $40-$102 | $29-$73 | $42-$66 | $24-$49 | $35-$56 |
| $26-$150 | $33-$195 | $20-152 | $26-$200 | $16-$122 | $23-$178 | $18-$134 | $26-$194 | $32-$207 | $42-$269 |
 | $17-$131 | Uninsurable | $20-$122 | $20-$125 | $15-$70 | $19-$91 | $21-$100 | $28-$131 | $22-$105 | $29-$138 |
| $18-$117 | $21-$151 | $18-$105 | $21-$118 | $13-$92 | $18-$124 | $27-$119 | $23-$108 | $22-$116 | $25-$132 |
| $48-$199 | $98-$427 | $42-$170 | $71-$302 | $85-$157 | $181-$336 | $43-$173 | $82-$356 | $51-$210 | $101-$444 |
What Are Waiting Periods For Siberian Husky Pet Insurance?
Waiting periods for pet insurance,which is the time between enrolling and the start of coverage,vary depending on the insurance provider. Typically,waiting periods range from 0 to 15 days for accidents and an average of 14 days for illnesses. In addition,some insurers impose longer waiting periods specifically for orthopedic conditions such as hip dysplasia and CCL injuries,which are more common in breeds like Huskies.
*States are slowly adopting a Model Law for pet insurance. This Model Law attempts to standardize each state’s regulations,which includes a standard for waiting periods that all companies must follow. Waiting periods for California,Delaware,Louisiana,Maine,Mississippi,Nebraska,New Hampshire,and Washington are as follows:
- Accidents – 0 days
- Illnesses – 14 days
- Cruciate Ligament Conditions – 30 days
- Routine Care – 0 days
How Does Pet Insurance For Siberian Huskies Work?
Using your pet insurance is a very simple process once the waiting periods under your policy have ended.
- Pay your veterinarian’s bill at the time of service.
- Be sure to submit a claim form along with a detailed receiptto your insurance provider. It might be necessary to take a copy of your claim form to your vet visit,as some insurance companies ask for your vet’s signature.
- After your claim is approved by the insurance company,you’ll get reimbursed* through your preferred payment method,whether that’s a check,direct deposit,or another option.
* The length of the reimbursement period can range from a few minutes to several weeks.This depends on the company’s stated processing time and the complexity of your claim.
12 Common Health Issues In Siberian Huskies
On average,Siberian Huskies have a lifespan of 12-14 years. Although Huskies tend to be in better health compared to many other purebred dogs,they are not immune to specific costly health problems. As a Husky owner,it’s essential to be aware of the possible health concerns and the financial implications of owning this breed.
- Huskies are prone to developing hip dysplasia,a disorder caused by the femur’s improper alignment with the hip socket. In many cases,a dog’s quality of life cannot be improved without surgery. The cost of surgery for each hip can range from $1,700 to $4,500 or more.
- Huskies are particularly susceptible to a variety of ocular disorders. These include juvenile cataracts,corneal dystrophy,uveodermatologic syndrome,entropion,and progressive retinal atrophy (PRA). Some of these eye conditions are treatable,but costs vary. For example,cataract surgery can range in price from $2,600 to $3,800. Treatment for corneal dystrophy may start at $300 for basic care and exceed $3,000 if surgical intervention is required.
- Huskies have a high energy level,which makes them prone to cranial cruciate ligament (CCL) injuries.The knee joint can rip,deteriorate,or,in rare circumstances,completely rupture as a result of these injuries. Orthopedic surgery is usually necessary,and the cost can range from $1,600 to $6,000 or more.
- Degenerative myelopathy (DM)is a progressive neurological condition in older dogs that leads to weakness and eventual loss of hind leg mobility. Although there is no cure,consistent physical therapy and dietary supplements,which can cost $500 or more each month,may help to slow down the progression.
- Laryngeal paralysisis a condition in which the arytenoid cartilage on one or both sides of the larynx cannot open and close properly,resulting in breathing problems. In moderate to severe cases,surgery is required,ranging from $2,600-$5,200.
- Inflammatory bowel disease (IBD)is a chronic condition caused by inflammation in the gastrointestinal tract. Diagnostic testing can cost up to $1,000. Managing IBD often requires a special diet and medication for a dog’s lifetime. Depending on the severity,costs can run up to $300 per month or more.
- Huskies require a ton of exercise and mental stimulation. If they don’t get what they need,they can develop anxiety and negative behavioral problems,including Pica — a condition where dogs develop a habit of eating foreign objects. Often,this can result in a serious intestinal blockage,requiring emergency care. Diagnosis and treatment costs run from $800 to $7,000,depending on how extensive the damage is.
- As Huskies age,they’re susceptible to several forms of cancer,including skin cancer,sebaceous gland tumors,anal sac tumors,and hemangiopericytomas. Depending on the type,treatment typically involves surgery and chemotherapy,both of which can be extremely costly,ranging anywhere from $1,500 to $10,000 or more.
- Skin problems,such as follicular dysplasia,pemphigus foliaceus,and zinc-responsive dermatosis,are also quite common in Huskies. All of these diseases can lead to recurring skin infections,which can cost $200 to $400 or more to treat in each case.
- Chronic kidney disease (CKD)is a progressive condition that affects typically affects older Huskies. Diagnostics can range from $200 to $750. The cost of a prescription diet,drugs,and fluid therapy for the long-term management of chronic kidney disease (CKD) can range from $100 to $500 per month.
- Hypothyroidismoccurs when the thyroid gland doesn’t produce enough hormones,and it necessitates ongoing medication and regular testing for life. The monthly cost of drugs typically falls between $20 and $50. You can expect to pay anywhere from $50 to $150 for initial diagnostic tests. Annual retesting usually costs between $50 and $100.
- Epilepsyis a hereditary condition that leads to seizures in dogs. The annual cost for medication can be approximately $500,depending on the specific medication selected. Additionally,it’s important to factor in the costs associated with initial diagnostic testing.
Is Pet Insurance Worth It For Siberian Huskies?
A report by the American College of Veterinary Ophthalmologists (ACV) found that nearly 20% of Huskies had at least one eye disorder. According to the Orthopedic Foundation of America (OFA) 2023 testing statistics,over 14% of Huskies had kidney problems,7.7% had eye disorders,and 2.4% had hip dysplasia.
As you can see,Siberian Huskies can encounter health problems that may lead to significant expenses if you don’t have pet insurance. With pet insurance,you can ensure your Husky receives top-notch care without worrying about the costs. It’s important to get your dog insured before any medical emergencies or inherited health issues come up. The sooner you secure insurance for your dog,the better,as pre-existing conditions might not be eligible for coverage.
Determine If Your Siberian Husky Needs Insurance
If you’re still unsure about obtaining dog health insurance,check out my in-depth guide on whether pet insurance is worth it for your Husky. It will help you evaluate all the advantages and disadvantages.
5 Steps To Find The Best Pet Insurance For Siberian Huskies
When choosing the right insurance policy for your Siberian Husky,there are several key factors to keep in mind.
- First,research the reputations of different insurance companies.Established insurers with a long history tend to be more reliable than newer ones.
- Next,be aware of the common health issues that Huskies may encounter and understand the terminology related to coverage for those specific conditions.
- Think about whether you prefer accident-only coverage or a plan that includes both accidents and illnesses.
- Understand how claim reimbursements work and the average time each provider takes to process claims.
- Finally,make sure to obtain pet insurance quotes from at least three different companies to effectively compare their pricing.
Methodology
To determine the best pet insurance for Siberian Huskies,we analyzed more than 40 U.S. pet insurance companies to provide an unbiased breakdown of how providers compare against one another. Our in-depth research includes:
- Running thousands of price quotes
- Reading hundreds of customer reviews
- Scrutinizing every policy from top to bottom and reading all the fine print
- Scoping out the purchase process
- Speaking with customer service representatives
- Having firsthand experience submitting claims with companies
- Comparing plan customization details
- Examining how long it takes to receive reimbursement
- Factoring in company history and years in the pet insurance marketplace
- Meeting with company representatives to discuss changes related to the industry,their company,and their offerings
- Requiring national experience for companies
Unlike many other review sites,we refuse to let pet insurance companies pay for the top spot in our rankings. Companies must earn their position in our comparisons by performing well in the marketplace. We also point out each company’s pros and cons in light of their competitor’s strengths. In doing so for over a decade,we’ve helped pet parents make more educated decisions among the top pet insurance options. Pet insurance providers read our reviews,regularly check them for accuracy,and value our input to help create positive industry changes and better protect your pets. We only recommend the best of the best because it’s what our readers deserve.
Additional Pet Insurance Resources
Why Trust Canine Journal?
Canine Journal has been covering the topic of pet insurance since 2012,well before other conglomerates discovered the rising popularity of health care for our pets. Many of our authors have personal experience with pet insurance,including Kimberly Alt,who has been Canine Journal’s go-to writer for pet insurance for over a decade,having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head,she can find it within minutes due to her vast list of resources. Kimberly also has extensive knowledge of dog health conditions,which can help her recommend pet insurance providers to pet owners with specific breeds.
Kimberly collaborated with Sally Jones,a seasoned health sciences communications professional with decades of experience. Sally specializes in dog health and is adept at producing content on technical topics such as pet insurance. Her wealth of knowledge and insight played a crucial role in this article’s thorough research and composition.
Kimberly also consulted with Michelle Schenker,Canine Journal’s in-house licensed insurance agent,for additional expertise to ensure accuracy and give Canine Journal the authority to write about and assist readers in purchasing policies that are accurately represented.
