Best Pet Insurance Plans for Akitas (2023 Reviews)

by | 2/1/2023

Akita insurance is a great way to provide coverage and peace of mind for your pet. Originating in the mountains of Northern Japan, the Akita is a large and very muscular double-coated dog known for its loyalty, courage, and dignity. There are two types of Akita. The American variety comes in a variety of colors while the Japanese variety only comes in a couple of different color variations. In some areas of the U.S., the Akita is referred to as the Great Japanese Dog.

Continue reading to learn more about the following pet insurance providers so that you can choose the best one for your needs:


Their coat is usually short, but some may have long coats as well. In Japan, the Akita is valued highly as a family protector and is said to be a symbol of happiness, good health, and long life. Their alertness is noticed most by their dark, shining eyes and erect ears. Despite their protectiveness, Akita dogs are also very lovable and playful, especially with family members.

The Akita is a large dog that can stand between 23” and 27” and weigh from 55 to 95 pounds. Akita dogs are a relatively healthy breed of dog with a lifespan of 12 to 15 years. Keeping them healthy requires good medical care, which is one reason why many Akita owners choose to purchase Akita pet insurance.

Akita Health Conditions

Most breeds of dogs are susceptible to certain health issues. Despite being a healthy dog breed, the Akita is prone to developing certain health conditions. Two areas that may cause the most health issues to Akita dogs are skin problems and eye issues. They’re prone to developing skin problems like sebaceous adenitis, pemphigus, and hypothyroidism.

The Akita may also develop eye issues like progressive retinal atrophy, uveodermatological syndrome, retinal dysplasia, glaucoma, cataracts, and microphthalmia. Other possible health conditions common with the Akita include:

  • Acquired Myasthenia Gravis
  • Hip Dysplasia
  • Gastric Volvulous
  • Von Willebrand’s Disease

Symptoms of many of these diseases cannot be seen in puppies. Many don’t manifest until the dog is older. Regular checkups and wellness exams can often catch these problems in their stages, which makes treatment and prognosis much easier, quicker, and better. Akita insurance can help cover the cost of veterinary care, which can also add to the good health of the dog.

What is the Best Pet Insurance for an Akita?

Choosing pet insurance for your Akita isn’t much different from choosing health insurance for you and your family. You want a policy that’s not only affordable but also one that best meets your needs. You may be wondering what “meets your needs” means in terms of Akita insurance. The Akita dog doesn’t have a lot of health issues compared to other dog breeds, but they do have some.

If these health issues do arise with your Akita dog, you want to have a pet insurance plan that covers those issues. Hip dysplasia is a disease that can cripple your Akita if not treated in its early stages. It’s also a disease that can be very costly. Does the insurance you’re considering cover hip dysplasia?

What about the skin and eye issues common with Akita dogs? Which of these issues, if any, will the pet insurance company cover? There are other issues you may want to research prior to purchasing a policy. Some insurance companies allow you to see any vet, but others will only pay if you see certain vets. Are they known for good and fast claims processing?

Some of the most common pet insurance include Embrace, Pets Best, Nationwide, SPOT, and Figo to name just a few. Most of these pet insurance companies offer a basic pet insurance plan that covers both accidents and illnesses. The basic plans don’t cover things like vaccinations, parasite control, or wellness exams.

However, most of the companies offer a wellness policy that will cover those extra little things not covered under a basic plan. Wellness plans can be very beneficial because they cover the type of visits pet owners might eliminate because of the cost. Wellness checks are important because they can often find a health issue in its early stages while it’s still treatable.

Where is the Most Affordable Akita Insurance?

Finding good pet insurance for your Akita can be time-consuming because you want to find the one that will benefit you the most if your dog does get sick. Finding the most affordable pet insurance is not as easy as it sounds. Many pet owners purchase the cheapest policy they can find only to discover that it doesn’t cover the things you needed the most when you actually need it.

Cheaper is not always better; it’s just cheaper. The same can be said for the most expensive policy. It may not be better; it’s just more expensive. The premium on your policy depends on many things.

  • Breed of dog
  • Age of dog
  • Gender of dog
  • Geographic location
  • Deductible
  • Maximum annual premium
  • Reimbursement rate

Although all of the above factors help to determine the rates, geographic location probably is the biggest factor. The city in which the dog lives plays a big part in determining the premium. Some cities are more costly than others. To give you an example, I am giving you some sample rates for the cities of Seattle, New York City, Dallas, Los Angeles, and Atlanta.

These premiums are based on the two-year-old female Akita. The policy offers a $500 deductible, $5,000 annual payout, and 80 percent reimbursement rate.

Embrace Akita Insurance

Embrace is a well-known and very popular pet insurance company that offers coverage on many of the serious issues that can affect your Akita, including hip dysplasia, chronic conditions, and many breed-specific issues. Their wellness plan is offered with different reimbursement levels. They are also known for their fast and hassle-free claims processing. Embrace also has a wellness plan that offers you a few different reimbursement levels. Here are the potential premiums for the Akita dog living in the five different cities.

  • Seattle – $54.10
  • New York City – $91.29
  • Dallas – $57.07
  • Los Angeles – $49.04
  • Atlanta – $44.57

SPOT Akita Insurance

SPOT pet insurance is another good choice for insurance because they offer insurance for accidents and illnesses as well as an accident-only plan. They also cover a variety of health issues, including many of the things that can affect your Akita. Akita owners can also choose from several different preventative care plans. You can check out the possible premiums for your Akita based on different cities.

  • Seattle – $30.49
  • New York City – $37.34
  • Dallas – $31.06
  • Los Angeles – $37.34
  • Atlanta – $32.25

    Figo Akita Insurance

    Figo pet insurance is a very good option for Akita owners. They offer not just an accident/illness plan but also a prescription drug plan and a wellness plan. Figo offers digital service and is known for its fast claims process. They offer great coverage that includes many things an Akita might need, including hip dysplasia, diagnostic testing, hereditary conditions, chronic conditions, and more. Below are the sample premium costs for the different.

    • Seattle – $32.99
    • New York City – $42.09
    • Dallas – $19.93
    • Los Angeles – $36.05
    • Atlanta – $25.28

    Pets Best Akita Pet Insurance

    Pets Best is another company that offers good choices for Akita owners. In addition to offering coverage for most of the issues that may affect Akita dogs, they have a wellness plan that covers exams, vaccinations, dental treatments, and even sterilization. Pets Best also offers discounts for military members. Here are some possible premiums for coverage on the Akita in the five different cities. These premiums are based on their most popular plan.

    • Seattle 36.88
    • New York City $50.90
    • Dallas $25.12
    • Los Angeles $54.86
    • Atlanta $24.05

    Akita owners have various choices in excellent pet insurance from any of these companies. Akita owners in New York City and Los Angeles typically pay the highest premiums, and the lowest can be found in Atlanta and Seattle. Choosing between the companies can be difficult because they all offer very good coverage, and their premiums are all competitive.

    Nationwide Akita Insurance

    If there is one thing pet owners want, it’s choices and options, and Nationwide offers many choices. They not only have a pet insurance policy that covers most of the Akita’s health needs, but they also allow the pet owner to customize their policy to the one that best meets their needs. Their most affordable policy offers a $250 deductible, 70 percent reimbursement, and a $10,000 annual payout amount. A wellness plan is also available. The monthly cost for five different cities are:

    • Seattle – $56.69
    • New York City – $76.14
    • Dallas – $44.05
    • Los Angeles – $35.15
    • Atlanta – $42.99

    Our Methodology

    ​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

    • Coverage
    • Plan options
    • Cost 
    • Reputation
    • 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.