Best Pet Insurance Plans for Greyhounds (2023 Review)

by | 1/31/2023

Greyhound pet insurance is one of the best ways to provide good care for your Greyhound dog and ensure he or she will be kept as healthy as possible for as long as possible. Some pet owners feel pet insurance is an unnecessary expense because the policies don’t typically cover routine visits, and routine visits usually aren’t that costly. What they fail to realize is that it’s the unexpected accidents and illnesses we don’t see coming that can cost more than they can afford to pay. This is where Greyhound insurance can be a real lifesaver.

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

 

About the Greyhound

Originating in England, and formerly known as an English Greyhound, the Greyhound dog was originally bred for chasing game or greyhound racing. With the ability to run up to 45 miles per hour, Greyhound dogs make and made excellent racing dogs. As more Greyhound families chose to retire their Greyhounds and keep them as family pets, the Greyhound dog has risen in popularity as family pets.

Greyhounds are gentle, affectionate, intelligent, even-tempered, quiet, and athletic. Unlike many other large breed dogs, greyhounds seldom show signs of aggression. They have a life span of 10 to 24 years. They weigh from 57 to 88 pounds and stand from 27” to 30” tall.

Greyhound Health Conditions

As a general rule, Greyhounds are a relatively healthy breed that has the potential to live a long and healthy life, but like all other breeds, they are prone to certain health problems. Not all Greyhounds develop these health problems, but it’s just something to keep in mind when buying this breed or in choosing Greyhound pet insurance for your dog.

Some potential Greyhound buyers go so far as to ask for a health clearance from the breeder to determine if the dog has been tested for certain conditions. The types of things that the dog can be tested for include hip dysplasia, elbow dysplasia, hypothyroidism, von Willebrand’s disease, and thrombopathia.

The owner or breeder can also have the Greyhound’s eyes tested through the Canine Eye Registry Foundation. The most common health conditions to affect the Greyhound dog include:

  • Anesthesia sensitivity (due to their low body fat)
  • Hypothyroidism
  • Osteosarcoma
  • Gastric Torsion or bloat
  • Chronic kidney disease
  • Epilepsy
  • Cold sensitivity
  • Digestive problems

What is the Best Pet Insurance for a Greyhound?

Greyhound owners in search of pet insurance usually want to find the best pet insurance for Greyhounds. This is often not as easy as it sounds. Not all pet insurances are the same. They may all offer similar features, inclusions, and exclusions, but they’re still different, and they charge different rates.

Since Greyhounds are prone to developing certain health conditions, it’s a good idea to choose pet insurance that covers these things. For instance, will the company pay for bloat? Will they pay for chronic kidney disease or hypothyroidism? While most pet insurances won’t pay for pre-existing conditions, some will cover them if the animal has been treatment and symptom-free for six months or a year.

Many companies also offer wellness or preventative plans that cover things that basic illness/accident plans won’t cover like vaccinations, annual examinations, parasites, etc. An annual exam may not pay for the cost of a serious issue, but it can detect the problem in its early stages when it’s the most treatable.

As is the case with most illnesses, the earlier it’s detected the easier and cheaper it is to treat and/or cure. Wellness plans must be purchased with regular pet insurance. In summary, the best pet insurance for a Greyhound is a policy that will pay for the things a Greyhound is mostly like to get.

Greyhound Pet Insurance Cost

Choosing the most affordable pet insurance for your Greyhound will take some consideration on your part. Certain things will affect the rates or premiums you’ll pay. The deductible you choose will affect your rate.

Deductibles

The deductible is the amount you the pet owner will pay before the insurance company pays anything on the claim. Deductibles can range from $50 to $1,000 per year or per incident. The higher deductible you choose, the lower your premium is going to be, but the more you’ll have to pay. It’s important to check whether the deductible is per year or per incident.

If you take your Greyhound to the vet for a broken leg you may meet the deductible but only for issues related to the broken leg. If the dog needs to be seen for something different, you’ll have to meet the deductible all over again.

Reimbursement

The reimbursement rate you choose will also affect the rate you pay. This can range from 50 percent of the bill to 100 percent. The maximum payout amount, which is the most the company will pay each year or in the animal’s lifetime, also affects the premium.

Here is an example of how pet insurance works. The most commonly chosen insurance plans have a $10,000 maximum payout, a $500 deductible, and an 80 percent reimbursement rate. Say you have this policy, and your Greyhound needed veterinary care that resulted in a bill of $4,000. You would first have to pay the $500 deductible, which leaves a remaining $3,500.

The insurance company would pay $2800, which is 80 percent of the $3,500, and you would pay the remaining $700. The total amount you would pay on this claim is $1,200 ($500 + $700). Since the insurance company paid $2,800, you would still have $7,200 left on your maximum payout amount.

Finding the most affordable Greyhound pet insurance involves finding one that has not just affordable premiums but also offers the coverage that will best meet the needs of your Greyhound. Where you live can also affect the premiums. Below are a couple of different pet insurance companies as well as what the premiums would be in different cities.

SPOT Greyhound Dog Insurance

SPOT pet insurance is another good choice for Greyhound owners because they offer pet insurance that covers accidents and illnesses, including hereditary diseases, chronic illnesses, prescription medication, cancer, and more. SPOT also offers a wellness package.

The cost for a five-year-old male Greyhound in Seattle would be $52.61. The same policy would cost $69.98 in New York City; $44.88 in Dallas; $65.50 in Los Angeles; and $47.22 in Atlanta. These prices are for plans that offer 80 percent reimbursement rates, $500 deductibles, and an annual payout of $5,000.

Embrace’s Greyhound Insurance

Embrace is a very popular pet insurance company that has illness/accident plans that offer coverage on many things. They are a good choice for Greyhound dogs because they cover hereditary and congenital conditions, chronic conditions, cancer, and more. Greyhound owners can also purchase a Wellness Reward plan to cover all those little things they want to ensure their pet is as healthy as possible.

A basic accident/illness policy for a five-year-old male Greyhound in Seattle would cost $58.42. This policy has a $500 deductible, 80 percent reimbursement rate, and a $5,000 annual payout amount. This same plan would be $98.58 in New York City; $60.05 in Dallas; $51.60 in Los Angeles; and $46.89 in Atlanta.

FIGO’s Dog Insurance for Greyhounds

Figo has a new wellness add-on that you can add to any normal policy. A policy for the male five-year-old Greyhound would cost $42.62 in Seattle; $95.42 in New York City; $45.17 in Dallas; $81.71 in Los Angeles, and $56.97 in Atlanta. This policy has a $500 deductible, $5,000 maximum payout amount, and an 80 percent reimbursement rate.

Trupanion Greyhound Dog Insurance

Trupanion doesn’t offer the same variety in policies as Embrace, but they would make a good choice for Greyhounds. They cover congenital and hereditary conditions, as well as several breed-specific issues. A few things make them popular choices with pet owners.

They do not have a cap on what they will pay per year or lifetime, and they pay 90 percent on all claims after the deductible. They also have a wellness policy. A policy on a five-year male Greyhound would cost $109.24 in Seattle. This same policy would be $219.07 in New York City; $142.60 in Dallas; $158.01 in Los Angeles; and $76.66 in Atlanta.

Nationwide Greyhound Insurance

Nationwide pet insurance company is another good choice for Greyhound owners because it offers pet owners many options to get the coverage they want at an affordable price. Nationwide’s most affordable policy, which has a $250 deductible, 90 percent reimbursement, and $10,000 annual payout, would cost $103.00 in Seattle; $138.35 in New York City; $80.04 in Dallas; $63.90 in Los Angeles, and $78.11 in Atlanta.

Each of these pet insurance options offer excellent policies designed to protect your Greyhound from unexpected illnesses and accidents. The companies with the lowest premiums appear to be Embrace and SPOT, although, they’re all fairly affordable companies. Seattle and Atlanta are the most affordable cities for Greyhound pet insurance.

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.