Best Pet Insurance For Basset Hounds In 2024

Basset Hounds, adored for their charming demeanor and exceptional scenting abilities, are popular scent hound breeds. Originating from France, they excel in tracking and hunting due to their keen olfactory senses. With a distinctive long, droopy ear and a short coat, Basset Hounds display a classic appearance.

Gentle and sociable, Basset Hounds thrive in homes with affectionate companions and enjoy engaging in activities that stimulate their sense of smell. Their exceptional scenting capabilities make them superb tracking partners. As devoted companions, Basset Hounds form strong bonds with their families, displaying affectionate and endearing behavior. Renowned for their amiable nature and versatility, Basset Hounds continue to be cherished by dog enthusiasts worldwide.

If you own a Basset Hound, you’re undoubtedly concerned about its health and well-being. As a pure breed, a Basset Hound is more likely to suffer from genetic health issues than mixed-breed dogs. Unfortunately, 4 out of 5 pet parents can’t pay for an unexpected $500 veterinary bill out-of-pocket. However, pet insurance will help you reduce your financial risk.

In this review, we’ll look at some of the top pet insurers for Basset Hounds and help you pick the policy that best meets your needs. You’ll find that pet insurance is much like personal health insurance; it provides better treatment options and limits out-of-pocket costs. But unlike private health insurance, it won’t cost you an arm and a leg.

Common Health Issues For Basset Hounds

Purebred dogs, including Basset Hounds, often experience specific health challenges. Unfortunately, breeding practices for Basset Hounds have at times overlooked genetic considerations, resulting in health issues within the breed. Generally, Basset Hounds are more susceptible to genetic health problems compared to some other breeds.

These are some of the most common health issues for Basset Hounds:

• Ear Infections
• Intervertebral Disc Disease (IVDD)
• Obesity
• Hypothyroidism
• Gastric Dilatation-Volvulus (Bloat)
• Entropion

Ear Infections:

Basset Hounds are prone to ear infections, primarily due to their floppy ears that limit air circulation and retain moisture. Signs include scratching, head shaking, and foul odor. Routine ear cleaning and keeping ears dry are crucial preventive measures. Timely veterinary intervention is necessary to treat infections, preventing chronic issues and maintaining optimal ear health. Regular monitoring and proper care ensure that Basset Hounds enjoy good hearing and a comfortable, infection-free experience.

The cost of treating ear infections in dogs can range from $100 to $500, depending on the severity and the type of treatment required.

Intervertebral Disc Disease (IVDD):

Intervertebral Disc Disease (IVDD) is a common spinal issue in Basset Hounds, affecting the discs between vertebrae. The disease can cause pain, paralysis, and loss of bladder control. It’s often managed through medication, rest, or in severe cases, surgery. Careful monitoring, weight management, and preventive measures like proper exercise can significantly reduce the risk. Early detection and appropriate treatment are essential to maintain a good quality of life for Basset Hounds affected by IVDD.

The cost of treating IVDD in dogs can vary depending on the severity and the type of treatment required. Surgical options may range from $3,000 to $9,000 or more, while non-surgical management may cost $1,000 to $4,000.

Obesity:

Basset Hounds are susceptible to obesity due to their love for food and a tendency to have a sedentary lifestyle. Obesity can lead to various health problems, including joint issues, diabetes, and heart disease. Maintaining a balanced diet, portion control, and regular exercise are vital for weight management. Responsible feeding habits and regular check-ups with the veterinarian help in preventing and addressing obesity, ensuring Basset Hounds lead healthy, active lives.

The cost of managing obesity in dogs can vary depending on the specific needs of the dog and the type of treatment required. This may include dietary changes, exercise programs, and regular veterinary check-ups. The cost can range from $200 to $1,000 or more per year.

Hypothyroidism:

Hypothyroidism, a common endocrine disorder in Basset Hounds, involves an underactive thyroid gland, disrupting metabolism and bodily functions. This condition may cause weight gain, lethargy, skin problems, and behavior changes. Regular veterinary screenings and lifelong medication management are essential to regulate thyroid levels, enhancing the affected dog’s overall health and vitality. With proper care and treatment, Basset Hounds with hypothyroidism can maintain a healthy weight and enjoy an active, fulfilling life.

The cost of treating hypothyroidism in dogs can range from $500 to $1,000 per year, depending on the severity and the type of treatment required.

Gastric Dilatation-Volvulus (Bloat):

Gastric Dilatation-Volvulus (Bloat) is a severe and life-threatening condition that can affect Basset Hounds. It involves the stomach filling with gas and twisting, leading to reduced blood flow and potential organ damage. Immediate veterinary intervention is crucial. Prevention includes feeding smaller, more frequent meals, avoiding exercise after meals, and slowing down water consumption. Awareness and quick action are essential in managing and preventing this critical health issue in Basset Hounds.

The cost of treating bloat in dogs can vary depending on the severity and the type of treatment required. Surgical options may range from $1,500 to $7,500 or more, while non-surgical management may cost $500 to $2,000.

Entropion:

Entropion is a common eye condition in Basset Hounds, where the eyelid rolls inward, causing irritation and discomfort. It may lead to corneal damage if left untreated. Surgical correction is often necessary to alleviate the condition and prevent further complications. Regular eye check-ups and prompt veterinary care are vital for early detection and appropriate management. By addressing entropion, owners can ensure their Basset Hounds have clear, healthy vision and a comfortable, pain-free experience.

The cost of treating entropion in dogs can range from $300 to $1,500 per eye, depending on the severity and the type of treatment required.

Average Cost Of Pet Insurance For Basset Hounds

Average Cost Of Typical Vet Procedures

Average Cost Of Emergency Vet Procedures

Is Pet Insurance Worth It For Basset Hounds?

Pet insurance 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 literally be a lifesaver. Having coverage will give you the freedom to make medical decisions for your furry family member based on the quality of life, not finances.

The value of pet insurance is largely based on your expectations. If your pet is currently undergoing treatment for a chronic condition and you would like help with the cost of the treatment, you will likely be disappointed as no company in our review covers preexisting conditions.

But, if you understand your policy and what it does and doesn’t cover and have a policy that fits your budget and needs, you are far more likely to consider the policy worth it.

How To Find The Best Bet Insurance Company For You

The costs and types of pet insurance plans available on the market vary by company, making choosing one over the others challenging. To find the best plan for your pet, consider these tips before applying for coverage:

Check Whether Your Pet Is Eligible

Puppies and kittens often must be a minimum of 6 to 10 weeks old to be insured, depending on the company. Senior pets may not be eligible for first-time enrollment with some companies, or they may qualify for accident coverage only. Once the pet is enrolled, though, most plans will offer coverage for life as long as you continue paying the premiums.

Research What’s Covered

Pet insurance plans typically cover expenses like surgery, hospitalization and medication if your pet gets sick or hurt. However, there are certain things that some companies charge extra for or won’t cover at all. Here are a few examples:

• Exam fees. Say your dog breaks her leg. Some plans will reimburse expenses like X-rays,  surgery and pain medication, but not the vet’s exam fee.
• Alternative treatments and rehabilitation. Some companies include coverage for things like acupuncture and physical therapy in their standard plans. Others charge extra.
• Behavioral therapies. Not all policies cover veterinary treatment for aggression or other behavioral issues.
• Prescription food. Certain plans won’t cover food or supplements at all, even if your vet prescribes them for a covered condition.
• Dental care. Pet insurance plans vary widely when it comes to caring for your pet’s teeth. For example, your policy may not cover dental illnesses such as gingivitis or periodontal disease. Alternatively, it may cover them only if your pet has had a recent tooth cleaning. Some add-on wellness plans pay for cleanings.

Note that pet insurance policies usually won’t cover pre-existing conditions, cosmetic procedures, or breeding expenses.

Decide How Much Coverage You Want

Most pet insurance plans cap the amount they pay out per year, although some have no annual limit. Only you can decide the amount that gives you reasonable peace of mind for paying vet bills.

If your dog or cat is relatively healthy, you might go years without paying for anything but routine care. But an unexpected surgery or serious illness could add up to thousands of dollars in expenses.

Understand Reimbursements And Deductibles

Most pet insurance plans reimburse you for a percentage of your vet bill. You can generally choose a reimbursement level — such as 70%, 80% or 90% — when you buy the plan.

Other plans pay what the insurance company deems a standard fee for a given treatment, which might be less than what your vet charges. You’d be responsible for the remainder.

Most plans also have a deductible — the dollar amount you pay out of pocket before the policy pays. You can usually choose from a range of deductibles, such as $100, $250, or more. Some plans apply deductibles to each injury or illness that’s treated. Most have you pay the deductible every year.

Generally, the lower your out-of-pocket costs are, the more you’ll pay for coverage. Alower deductible and higher reimbursement rate can lead to a higher premium, while a higher deductible and lower reimbursement rate can mean a lower premium.

Check Waiting Periods

Most plans include short waiting periods after you purchase the policy for general accident and illness coverage, such as 14 days. Your plan won’t pay for any treatment during the waiting period.

Some plans include longer waiting periods for coverage of certain conditions, such as cruciate ligament injuries — a common orthopedic problem for dogs. The cruciate ligaments help stabilize the knee; when injured, it can make it difficult for a dog to walk.

Examine Extra Costs

Some pet insurance companies offer coverage for routine services such as well visits and vaccinations. While this may sound tempting, do the math to determine whether it’s worth the extra cost. Compare the annual price of the wellness insurance plan with the amount you’d pay each year on your own for services the plan covers. Read the details because the items covered for “wellness” vary by pet insurance company.

Compare Quotes

The cost of insurance varies by carrier and the amount of coverage. Some pet insurers offer discounts; you might be able to save money by insuring more than one pet, for example. But a discount doesn’t guarantee the plan is the best deal.

The only way to find the best insurance for your pet is to dig into the details and get quotes for several plans. Make sure you’re making a fair comparison with similar coverage amounts, deductibles, and reimbursement limits.

Factors That Impact Cost Of Your Pet Insurance Policy

Similar to your health insurance plan, your pet insurance price is going to vary depending on certain factors, such as:

• Where you live. Pet insurance companies take the cost of vet care in your area into account when pricing your policy.
• Your pet’s age. Because older animals are more likely to have health problems, their premiums are generally higher.
• Your pet’s breed. Certain breeds are more prone to health issues. For example, bulldogs and Boston terriers often develop breathing problems, while German Shepherds and other large breeds are more likely than others to get hip dysplasia. These potential problems may be reflected in the cost of your pet insurance plan.
• Your deductibles, coinsurance and coverage limits. The less you’re willing to pay out of pocket for your pet’s care, the higher your pet insurance premium will be. For instance, choosing a $100 deductible instead of a $500 one means your plan will start reimbursing you sooner for your pet’s care — but it’ll cost you more in premiums.