Best Pet Insurance Plans for Afghan Hounds (2023 Review)
Afghan Hound insurance is the best thing you can do for your new pet. Whether you bought a puppy or a full-grown dog, there is still always the chance that it may need some sort of veterinary care for either an accident or illness. This type of situation can be extremely stressful and costly if you don’t have pet insurance.
Originating in Afghanistan, the Afghan Hound is a medium to large dog known for its ability to do well in the cold mountains of Afghanistan, where it’s referred to as Tazi Spay. Despite having a thick silky coat, the Afghan Hound is said to be hypoallergenic, making it a great indoor dog. It also makes a great family dog due to its happy, independent, funny, and dignified personality. Its coat may be red, cream, or black. The Afghan Hound weighs from 57 pounds to 75 pounds and stands from 24” to 29” tall.
Continue reading to learn more about the following pet insurance providers so that you can choose the best one for your needs:
- Spot: Best overall
- Lemonade: Most affordable
- ASPCA: Most experienced
- Embrace: Best for deductibles
- Healthy Paws: Best for chronic conditions
- Figo: Most flexible reimbursement rates
- Wagmo: Best for immediate reimbursement
- Trupanion: Most flexible deductible
- Prudent Pet: Best for dog and cat parents who want basic options
Afghan Hound Health Conditions
Afghan Hounds are a breed of dog with a lifespan of 12 to 14 years old. Predicted life spans are based on keeping the dog as healthy as possible, which is more possible when you have pet insurance. Although they have a good life expectancy, the Afghan Hound is still prone to certain health conditions.
- Laryngeal paralysis
- Juvenile Cataracts
- Elbow dysplasia
- Hip dysplasia
- von Willebrand disease
Many Afghan Hound owners have their dogs tested and evaluated for thyroid problems, eye problems, and dysplasia. Having them tested won’t prevent or eliminate the problems, but it can alert the owner to certain potential problems. With this knowledge, pew owners can have the dog seen by their veterinarian.
The earlier the treatment, the better chance of few symptoms, quicker treatment, and better prognosis. Some of these tests can be very expensive, but if you have Afghan Hound insurance in place for day one, you won’t be drained by high vet bills.
What is the Best Pet Insurance for an Afghan Hound?
Deciding to purchase pet insurance for your Afghan Hound is easy enough. You want to be in a position to provide your dog with the medical care it needs when and if it needs it. Choosing a pet insurance company can be a bigger task because there are so many good insurance companies out there. You’ll need to research all of them to see which one is the best for your dog.
Your neighbor may have an excellent policy for his poodle, but that doesn’t mean it’s the best insurance for your Afghan Hound. You want one that best meets the needs of Afghan Hounds. What is meant by “meets the needs” is that it covers many of the issues known to Afghan Hounds. Since Afghan Hounds are prone to things like von Willebrand, junior cataracts, and dysplasia (both hip and elbow), you’ll want to be sure the pet insurance you’re considering covers these health problems.
There are several very good pet insurance companies, including Pets Best, Embrace, Nationwide, Figo, and SPOT, to name just a few. They all offer similar coverage, but one may offer something the other one won’t, so it’s important to research them, ask questions and compare the company’s coverage and premiums. You may also be interested in purchasing a wellness plan.
Basic illness/accident policies cover vet services for accidents and illnesses. However, they do not cover wellness exams, vaccinations, parasite removal, dental care, or similar services. This is where wellness plans come in handy because they cover those small items or at least cover a portion of them. Wellness plans cannot be purchased alone but must be purchased with a basic accident/illness plan.
Wellness or preventative plans cost a lot less than the basic insurance policy. When choosing Afghan Hound insurance, make a checklist and get the answers to these questions.
- How do the premiums compare with other companies offering similar coverage?
- How much coverage do you feel your Afghan Hound really needs? Does the company offer the amount you want?
- Do they offer a wellness plan?
- How long does it take to be reimbursed?
- Does the company allow you to customize a plan to what you feel you need and can afford?
- Does it cover the services you feel your Afghan Hound might need throughout its life?
- Are there age limitations?
Affordable Afghan Hound Insurance
Once you’ve finished your research and have found an insurance company you feel might be right for you and your Afghan Hound, your next step is to find the one that’s the most affordable. Remember that cheaper is not always better; it’s just cheaper. It’s what you get for the money that’s important.
Your premiums are determined by several factors. The breed of dog, age of the dog, gender, and geographic location all play a part in determining premiums. However, these factors affect the price even more.
- Deductible – This is the amount you will pay before the insurance company pays. This typically ranges from $0 to $5,000 or more.
- The reimbursement rate – This is the percentage the insurance company will pay after the deductible is met. This may range from 50 percent to 100 percent.
- Maximum annual payout – This is most the insurance company will pay on a claim in one calendar year. It can range from $1,000 to $20,000, or more. Some companies do not set a cap on what they’ll pay.
When insurance companies say you can customize the policy, they mean you can adjust these factors until the premium is at an affordable rate while still offering the coverage you need.
Below you will find some sample rates from different companies and in different cities in the U.S. These samples are based on a policy for a one-year-old female Afghan Hound. The policy offers a $500 deductible, an 80 percent reimbursement rate, and a $5,000 maximum annual payout amount.
SPOT Pet Insurance for Afghan Hounds
SPOT pet insurance advertise that their pet insurance is one of the most affordable. They also offer different types of pet insurance. Their basic accident/illness policy covers chronic illnesses, elbow and hip dysplasia, and congenital illnesses. They offer a couple of different wellness plans, and also offer a multi-pet discount. Here are their sample rates.
- New York City – $57.63
- Los Angeles – $53.94
- Seattle – $40.23
- Dallas – $36.96
- Atlanta – $32.83
Embrace Afghan Hound Insurance
Embrace is probably the most used pet insurance company, and this is because they cover so many things. They cover many things your Afghan Hound might develop like hip dysplasia, chronic illnesses, autoimmune disease, and congenital conditions. Their wellness comes in three different reimbursement levels. Here are the possible premiums for the Afghan Hound in five different cities.
- New York City – $96.36
- Dallas – $51.24
- Seattle – $48.57
- Los Angeles – $44.03
- Atlanta – $40.24
Pets Best Afghan Hound Insurance
Afghan Hound owners generally find Pets Best to be a great choice. They not only offer several different policy types but also have a very fast claims process. Pets Best’s basic accident/illness plan covers hip dysplasia, chronic conditions, and congenital issues. Their wellness plan also covers many services. Here are the potential premium quotes.
- Los Angeles $43.68
- New York City $40.53
- Dallas $33.76
- Seattle $27.44
- Atlanta $20.09
Figo Afghan Hound Insurance
Afghan Hound owners often prefer Figo because they cover almost anything you could imagine their dog needing. In addition to offering a very comprehensive plan, they also offer a wellness plan and a prescription plan. Below are some possible premiums in the five cities.
- New York City – $63.96
- Los Angeles – $54.79
- Seattle – $45.45
- Atlanta – $31.71
- Dallas – $30.28
All of these pet insurance companies offer excellent coverage and affordable premiums regardless of the city. Pets Best and SPOT appear to offer the lowest premiums of the five companies. In most cases, it’s cheapest to insure an Afghan Hound in Atlanta and Seattle, while New York City offers the highest premiums.
If you are looking to insure your Afghan Hound, then finding the right pet insurance is an important part of being a responsible pet owner. Get a free quote today and get started.
Nationwide Afghan Hound Insurance
The one thing pet owners love about Nationwide pet insurance is that it allows them to customize the policy to meet their dog’s needs. Their policy is huge and covers many things common to Afghan Hounds. Their most affordable plan has a $250 deductible, 70 percent reimbursement, and a maximum payout of $10,000. They also offer a wellness plan. The sample premiums are listed below.
- New York City – $83.89
- Dallas – $62.51
- Atlanta – $55.37
- Seattle – $48.03
- Los Angeles – $35.15
Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:
- Plan options
- Customer service
- Species available
- Wellness benefits
We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations.
Each factor is weighted differently based on the following factors:
- Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
- Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points. Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
- Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
- Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
- Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
- Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
- Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.
Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.