Best Pet Insurance For Alaskan Malamutes In April, 2024

 In my professional opinion, Healthy Paws offers the best pet insurance for Alaskan Malamutes.

min read
Updated: 12 March 2024
Written by
Bob Phillips
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Because they are a pure breed, Alaskan Malamutes are more likely to have genetic health issues compared to mixed-breed dogs. Pet insurance can help manage these risks, as it covers unexpected veterinary bills. This review will help you find the best pet insurance for your Alaskan Malamute, offering better treatment options while keeping costs manageable.

Best Pet Insurance Companies For Alaskan Malamutes 2024

Different pet insurance companies for Alaskan Malamutes are the same in many ways in that they will help ensure your pet is cared for and that your financial risk is limited, but they’re also different in some ways. So while one company may be best for your neighbor’s pet, another may be better for yours.

Here’s our breakdown of the best pet insurance companies for Alaskan Malamutes:

healthy-paws
Best Overall - Healthy Paws
Lemonade
Best Cheap Coverage - Lemonade
manypetsicon-logo
Best for Puppies - ManyPets
Best Pet Insurance, Alaskan Malamutes 2024

Compare The Best Pet Insurance For Alaskan Malamutes

As you can see from our breakdown of the best pet insurance companies for Alaskan Malamutes shown above, many high-quality companies are vying for the top spots. You can also see that each has its own particular strengths. Here’s a snapshot to give you a glance into each insurer.

Overall Rating Best For Waiting Period Reimbursement % Benefit Limit Get A Quote
Healthy Paws
4.9

Overall

15 days accident/illness

70%,80%,90%

Unlimited annual and lifetime

Instant Quote
Lemonade
4.8

Cheap

2 days accidents, 14 illness

70%,80%,90%

$5,000 to $100,000 annually

Instant Quote
ManyPets
4.8

Puppies

15 days accident/illness

70% or 80% (most states)

Unlimited annual and lifetime

Instant Quote
Pumpkin
4.7

Older Dogs

14 days accident/illness

90%

$10,000, $20,000, or unlimited

Instant Quote
Spot
4.7

Multiple Pets

14 days accident/illness

70%,80%,90%

$2,500 to unlimited

Instant Quote
Scroll to see comparisons

Our Methodology

Opinions and subsequent ratings were based on reviewing each insurer's website, customer reviews, other review sites, and personal experience having purchased and used pet insurance in the past.

35

Quotes Analyzed

15+

Years Of Experience

21

Brands Reviewed

25+

Research Hours

Detailed Reviews Of The Best Alaskan Malamute Insurance Companies


Best Overall

Overall Rating
4.9

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
10/10 Claims
10/10 Coverage level

Why We Like Them

Healthy Paws is a top choice for pet insurance because it offers unlimited claim payouts, with no per-incident maximum or caps. While this might mean higher premiums, it’s beneficial because it prevents pet owners from having to consider euthanasia due to coverage limits.

Healthy Paws provides a straightforward policy without expensive add-ons and allows you to visit any licensed veterinarian. They also make it easy to submit claims through their mobile app or website, with most claims processed within two days.

Benefits & Drawbacks

Benefits
  • No maximum annual or lifetime payouts
  • Most claims processed within two day
  • 30-day money-back guarantee
  • Direct vet payments may be possible
Drawbacks
  • No routine wellness option

Runner-Up for Best Overall

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage level

Why We Like Them

We found Lemonade to offer the most affordable pet insurance for Alaskan Malamutes. While its coverage limits are similar to other companies we reviewed, they do not offer unlimited coverage like Healthy Paws. Lemonade’s coverage limits range from $5,000 to $100,000 per year, with premiums increasing based on the limit you choose.

Lemonade’s standard policy covers accidents and illnesses, including common issues like cancer, heart disease, skin conditions, broken bones, and hip dysplasia, which is common in older Alaskan Malamutes. However, like most insurers, Lemonade does not cover preexisting conditions, dental illnesses, behavioral issues, or elective procedures.

Benefits & Drawbacks

Benefits
  • Optional wellness plan available
  • Accident waiting coverage period of only two days
  • You get a 10% discount by bundling pet insurance with home, renters, or car insurance you have with Lemonade
Drawbacks
  • No 24/7 pet telehealth line
  • Coverage for vet exam fees has to be added for an extra cost
  • No coverage for prescription food or microchipping

Best for Puppies

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage level

Why We Like Them

ManyPets offers excellent coverage for puppies, with rates unaffected by pre-existing conditions. Cured conditions may be covered after 18 months, and unrelated conditions remain eligible for coverage.

Puppies, including young Alaskan Malamutes, can be prone to illnesses and accidents due to their energetic nature. Insuring them when they are young reduces the likelihood of exclusions for pre-existing conditions as they age.

Benefits & Drawbacks

Benefits
  • Available in more than 40 states
  • Covers vet exam fees for illness and accident visits
  • Offers optional wellness plans
Drawbacks
  • No 24/7 pet telehealth line
  • Doesn’t cover pet behavioral therapy
  • No coverage for alternative therapies

Best for Older Dogs

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage level

Why We Like Them

As Alaskan Malamutes get older, they are more susceptible to genetic illnesses like cruciate ligament issues and hip dysplasia, which can require expensive treatments. Pumpkin pet insurance has no special waiting period for these conditions and covers veterinarian exam fees if you need to take your older Alaskan Malamute in for treatment.

Pumpkin offers a variety of coverage options for a range of issues that Alaskan Malamutes may face, including surgeries and dental illnesses. You can choose from three different deductibles, and the standard reimbursement rate is 90%.

Benefits & Drawbacks

Benefits
  • Optional wellness plan available
  • Discounts for insuring multiple pets
  • 90% reimbursement for dogs and cats 8 weeks and older
Drawbacks
  • No 24/7 pet telehealth line
  • No accident-only plan is available

Best for Multiple Pets

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
8/10 Claims
10/10 Coverage level

Why We Like Them

Many owners of Alaskan Malamutes have multiple pets due to their friendly nature. Spot offers a 10% discount for insuring more than one pet with them, leading to significant savings.

Spot’s optional preventive care plan covers wellness care, including one annual vet visit, one fecal test, and one teeth cleaning. Some vaccinations are also included.

If you’re not satisfied with the coverage or service, Spot offers a 30-day money-back guarantee. They reimburse up to 90% on eligible vet bills and provide access to a 24/7 vet helpline. Additionally, you can visit any U.S.-licensed veterinarian or specialist.

Benefits & Drawbacks

Benefits
  • Covers microchipping
  • Low $100 deductible is available
  • Has a 24/7 pet telehealth line
Drawbacks
  • Accidents have a 14-day waiting period, compared to 2 days with some top competitors

How to choose the best pet insurance company

Check eligibility

Ensure your pet meets the age requirements. Some companies may not enroll senior pets or may limit coverage for older pets to accidents only.

Research coverage

Understand what each plan covers. Some may include surgery, hospitalization, and medication, while others may charge extra for or exclude certain treatments like exam fees, alternative therapies, behavioral treatments, prescription food, and dental care.

Decide on coverage amount

Determine how much coverage you want. Most plans have an annual limit, but some offer unlimited coverage. Choose an amount that gives you peace of mind for vet bills.

Understand reimbursements and deductibles

Most plans reimburse a percentage of your vet bill, with options like 70%, 80%, or 90%. Plans also have deductibles, which you pay out of pocket before the policy pays. Choose a deductible and reimbursement level that suit your budget and needs.

Check waiting periods

Be aware of waiting periods after purchasing the policy, especially for specific conditions like cruciate ligament injuries, which may have longer waiting periods.

Examine extra costs

Some companies offer coverage for routine services like wellness visits and vaccinations. Compare the cost of the wellness plan with what you’d pay out of pocket for these services to determine if it’s worth it.

Compare quotes

Get quotes from several companies to compare costs and coverage. Consider discounts for insuring multiple pets, but ensure you’re comparing similar coverage amounts, deductibles, and reimbursement limits.

Choosing the best pet insurance involves understanding your pet’s needs, comparing coverage options, and finding a plan that fits your budget and provides peace of mind.

Common health problems for Alaskan Malamutes include:

Hip dysplasia

A genetic condition where the hip joint doesn’t fit properly, causing pain and reduced mobility. Treatment involves weight management, exercise modification, medication, and sometimes surgery, which can be costly.

Progressive retinal atrophy (PRA)

A degenerative eye disorder that can lead to blindness. Regular eye check-ups are essential for managing the condition.

Hypothyroidism

A disorder where the thyroid gland doesn’t produce enough hormone, leading to weight gain and lethargy. Lifelong medication is necessary for management.

Polyneuropathy

A neurological disorder causing weakness and mobility issues due to nerve damage. Supportive care and physical therapy can help manage symptoms.

Cataracts

Clouding of the eye’s lens, leading to impaired vision. Surgery may be required to remove cataracts and prevent vision loss.

Regular vet check-ups and responsible breeding practices are crucial for managing these health issues in Alaskan Malamutes. Treatment costs can vary widely depending on the specific condition and the dog’s needs.

Average cost of pet insurance for Alaskan Malamutes 

Company Deductible Annual Reimbursement % Monthly Price Age of Dog
Healthy Paws $500 70% $73.30 5 year old
Lemonade $500 70% $44.00 5 year old
Spot $500 70% $75.34 5 year old
Healthy Paws $500 80% $39.52 1 year old
Lemonade $500 80% $24.67 1 year old
Spot $500 80% $56.80 1 year old
Healthy Paws $500 70% $38.64 3 month old
Lemonade $500 70% $31.13 3 month old
Spot $500 70% $84.12 3 month old

Average cost of typical vet procedures

Typical Vet Procedure Average Cost Of Procedure
Puppy vaccinations $75-100
Flea & tick prevention $40-200
Heartworm prevention $24-120
Spay or neuter surgery $200-800
Annual exam $240-600
Teeth cleaning $200-500
Microchip $40

Average cost of emergency vet procedures  

Emergency Pet Procedure Average Cost Of Procedure
General consultation/exam $100-$150
General bloodwork $80-200
X-rays $150-$250
Ultrasound $300-$600
1-2 day hospitalization $600-$1,700
3-5 day hospitalization $1,500-$3,500
Wound treatment & repair $800-$1,500
Emergency surgery $800-$2,500
Oxygen therapy $500

Is pet insurance worth it for Alaskan Malamutes?

Pet insurance can be worth it for Alaskan Malamutes, as it protects against unexpected veterinary bills. Many pet owners pay out of pocket for their pet’s medical expenses, but most Americans can’t afford a $1500 emergency vet bill. The right pet insurance can be a lifesaver, giving you the freedom to make medical decisions based on your pet’s quality of life, not finances.

The value of pet insurance depends on your expectations. If your pet is currently undergoing treatment for a chronic condition and you want help with the cost, you may be disappointed, as most policies do not cover preexisting conditions.

However, if you understand your policy and its coverage limitations, and have a policy that fits your budget and needs, you are more likely to consider it worth it.

Factors that affect the cost of your pet insurance policy

Location

The cost of veterinary care varies by region, so your location can impact your policy price.

Age of your pet

Older pets are more likely to have health issues, so premiums for older animals are generally higher.

Breed

Some breeds are more prone to health problems. For example, bulldogs and Boston terriers often have breathing issues, while large breeds like German Shepherds are more susceptible to hip dysplasia. The potential for these problems may affect the cost of your insurance.

Deductibles, coinsurance, and coverage limits

Lower deductibles and higher coverage limits result in higher premiums. Choosing a lower deductible means your plan starts reimbursing you sooner, but you’ll pay more in premiums.

FAQs

Is pet insurance cheaper for purebred dogs?

Purebred dogs are often more expensive to insure than mixed-breed dogs because they are more likely to have genetic predispositions to costly diseases and conditions.

What is the average cost of owning a Alaskan Malamute?

In the first year, costs for vaccinations, food, grooming, and insurance for an Alaskan Malamute are approximately $3,000. However, in subsequent years, the cost drops to around $1,900 per year.

What insurance do you need for a dog?

It’s advisable for dog owners to have some level of pet insurance to ensure they can afford veterinary bills and keep their dog healthy and secure.

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