AKC is the best pet insurance company for Akitas due to its comprehensive coverage and strong customer service. Other top-rated options are Lemonade, Rainwalk and Pets Best.
Akita Insurance
Updated: November 5, 2025
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Key Takeaways
AKC is the best pet insurance company for Akitas, offering comprehensive coverage and strong customer service.
Pumpkin offers the cheapest pet insurance rates for Akitas, with an average monthly rate of around $39 for standard protection.
Pet insurance costs an average of $129 monthly for Akitas, making them the 51st most expensive dog breed to insure.
Best Akita Pet Insurance Companies
*Pet insurance coverage varies by state and provider. Rates shown are estimates; actual costs vary based on your pet's age, health and location. Coverage exclusions and waiting periods apply. Consult individual providers for specific terms.
The best pet insurance for your pet can vary across different situations. Our best guides help you understand the right option for your pet's specific health need.
AKC
Best for Akitas
MoneyGeek Rating
4.3/ 5
3.8/5Affordability
4.4/5Customer Experience
5/5Coverage Points
Average Monthly Rate
$61Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Akita Pet Insurance by State
AKC leads pet insurance for Akitas in 50 states, showing strong nationwide dominance. Lemonade and Rainwalk share runner-up status, each ranking best in Michigan where they offer competitive coverage options.
| Alabama | AKC | 4.20 |
| Alaska | AKC | 4.25 |
| Arizona | AKC | 4.20 |
| Arkansas | AKC | 4.35 |
| California | AKC | 4.25 |
| Colorado | AKC | 4.25 |
| Connecticut | AKC | 4.25 |
| Delaware | AKC | 4.20 |
| Florida | AKC | 4.30 |
| Georgia | AKC | 4.20 |
| Hawaii | AKC | 4.25 |
| Idaho | AKC | 4.20 |
| Illinois | AKC | 4.25 |
| Indiana | AKC | 4.30 |
| Iowa | AKC | 4.20 |
| Kansas | AKC | 4.20 |
| Kentucky | AKC | 4.30 |
| Louisiana | AKC | 4.20 |
| Maine | AKC | 4.25 |
| Maryland | AKC | 4.20 |
| Massachusetts | AKC | 4.20 |
| Michigan | AKC | 4.10 |
| Michigan | Lemonade | 4.10 |
| Michigan | Rainwalk | 4.10 |
| Minnesota | AKC | 4.20 |
| Mississippi | AKC | 4.25 |
| Missouri | AKC | 4.25 |
| Montana | AKC | 4.25 |
| Nebraska | AKC | 4.25 |
| Nevada | AKC | 4.25 |
| New Hampshire | AKC | 4.25 |
| New Jersey | AKC | 4.20 |
| New Mexico | AKC | 4.30 |
| New York | AKC | 4.25 |
| North Carolina | AKC | 4.20 |
| North Dakota | AKC | 4.35 |
| Ohio | AKC | 4.20 |
| Oklahoma | AKC | 4.35 |
| Oregon | AKC | 4.25 |
| Pennsylvania | AKC | 4.25 |
| Rhode Island | AKC | 4.30 |
| South Carolina | AKC | 4.35 |
| South Dakota | AKC | 4.30 |
| Tennessee | AKC | 4.25 |
| Texas | AKC | 4.25 |
| Utah | AKC | 4.15 |
| Vermont | AKC | 4.25 |
| Virginia | AKC | 4.15 |
| Washington | AKC | 4.35 |
| West Virginia | AKC | 4.25 |
| Wisconsin | AKC | 4.15 |
| Wyoming | AKC | 4.30 |
*Rates are based on a 6-year-old Akita with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Cheapest Akita Pet Insurance Companies
Pumpkin offers the lowest-priced pet insurance for Akitas at $39 per month or $464 annually. Other budget-friendly options include Lemonade, ASPCA, Figo and Pets Best.
| Pumpkin | $39 | $464 | 29% |
| Lemonade | $45 | $541 | 18% |
| ASPCA | $51 | $610 | 7% |
| Figo | $54 | $649 | 1% |
| Pets Best | $54 | $659 | 0% |
*Rates are based on a 6-year-old Akita with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pumpkin
Cheapest Pet Insurance for Akitas
MoneyGeek Rating
3.9/ 5
4.4/5Affordability
4.4/5Customer Experience
1.7/5Coverage Points
Average Monthly Rate
$39Overall Customer Sentiment
79% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Preventive Essentials package
Cheapest Akita Pet Insurance by State
Pumpkin offers the most affordable pet insurance for Akitas nationwide, ranking lowest in 50 states. Monthly premiums range from $26 to $51, depending on your location.
| Alabama | Pumpkin | $29 | 33% |
| Alaska | Pumpkin | $38 | 30% |
| Arizona | Pumpkin | $48 | 27% |
| Arkansas | Pumpkin | $26 | 33% |
| California | Pumpkin | $50 | 24% |
| Colorado | Pumpkin | $49 | 28% |
| Connecticut | Pumpkin | $45 | 28% |
| Delaware | Pumpkin | $39 | 30% |
| Florida | Pumpkin | $44 | 29% |
| Georgia | Pumpkin | $35 | 28% |
| Hawaii | Pumpkin | $40 | 31% |
| Idaho | Pumpkin | $39 | 29% |
| Illinois | Pumpkin | $49 | 27% |
| Indiana | Pumpkin | $35 | 28% |
| Iowa | Pumpkin | $33 | 31% |
| Kansas | Pumpkin | $36 | 30% |
| Kentucky | Pumpkin | $31 | 33% |
| Louisiana | Pumpkin | $32 | 31% |
| Maine | Pumpkin | $48 | 29% |
| Maryland | Pumpkin | $38 | 35% |
| Massachusetts | Pumpkin | $51 | 28% |
| Michigan | Pumpkin | $39 | 29% |
| Minnesota | Pumpkin | $41 | 28% |
| Mississippi | Pumpkin | $33 | 31% |
| Missouri | Pumpkin | $31 | 31% |
| Montana | Pumpkin | $33 | 30% |
| Nebraska | Pumpkin | $35 | 30% |
| Nevada | Pumpkin | $41 | 28% |
| New Hampshire | Pumpkin | $46 | 28% |
| New Jersey | Pumpkin | $44 | 28% |
| New Mexico | Pumpkin | $35 | 30% |
| New York | Pumpkin | $43 | 28% |
| North Carolina | Pumpkin | $35 | 31% |
| North Dakota | Pumpkin | $30 | 30% |
| Ohio | Pumpkin | $36 | 31% |
| Oklahoma | Pumpkin | $33 | 30% |
| Oregon | Pumpkin | $49 | 27% |
| Pennsylvania | Pumpkin | $41 | 30% |
| Rhode Island | Pumpkin | $34 | 30% |
| South Carolina | Pumpkin | $37 | 28% |
| South Dakota | Pumpkin | $35 | 31% |
| Tennessee | Pumpkin | $36 | 29% |
| Texas | Pumpkin | $42 | 27% |
| Utah | Pumpkin | $37 | 30% |
| Vermont | Pumpkin | $37 | 30% |
| Virginia | Pumpkin | $42 | 31% |
| Washington | Pumpkin | $45 | 31% |
| West Virginia | Pumpkin | $34 | 29% |
| Wisconsin | Pumpkin | $42 | 31% |
| Wyoming | Pumpkin | $36 | 29% |
*Rates are based on a 6-year-old Akita with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
How Much Does Akita Insurance Cost?
Monthly pet insurance for Akitas ranges from $87 to $167 depending on your state. They rank as the 51st most expensive breed to insure nationwide, with a typical premium around $129. Your actual cost will vary based on your pet's age and the coverage you choose.
| Alabama | $97 | $1,164 | -24% |
| Alaska | $127 | $1,524 | -1% |
| Arizona | $154 | $1,839 | 19% |
| Arkansas | $87 | $1,045 | -32% |
| California | $160 | $1,911 | 24% |
| Colorado | $161 | $1,931 | 25% |
| Connecticut | $147 | $1,763 | 14% |
| Delaware | $130 | $1,562 | 1% |
| Florida | $147 | $1,756 | 14% |
| Georgia | $115 | $1,371 | -11% |
| Hawaii | $132 | $1,576 | 2% |
| Idaho | $128 | $1,539 | -0% |
| Illinois | $158 | $1,889 | 23% |
| Indiana | $116 | $1,392 | -10% |
| Iowa | $107 | $1,278 | -17% |
| Kansas | $117 | $1,403 | -9% |
| Kentucky | $103 | $1,234 | -20% |
| Louisiana | $104 | $1,247 | -19% |
| Maine | $155 | $1,861 | 21% |
| Maryland | $135 | $1,611 | 5% |
| Massachusetts | $167 | $1,999 | 30% |
| Michigan | $130 | $1,552 | 1% |
| Minnesota | $132 | $1,580 | 3% |
| Mississippi | $111 | $1,329 | -14% |
| Missouri | $102 | $1,222 | -21% |
| Montana | $109 | $1,309 | -15% |
| Nebraska | $116 | $1,383 | -10% |
| Nevada | $131 | $1,572 | 2% |
| New Hampshire | $148 | $1,771 | 15% |
| New Jersey | $144 | $1,725 | 12% |
| New Mexico | $113 | $1,358 | -12% |
| New York | $141 | $1,686 | 9% |
| North Carolina | $117 | $1,397 | -9% |
| North Dakota | $99 | $1,191 | -23% |
| Ohio | $120 | $1,436 | -7% |
| Oklahoma | $108 | $1,292 | -16% |
| Oregon | $160 | $1,915 | 24% |
| Pennsylvania | $136 | $1,621 | 5% |
| Rhode Island | $114 | $1,363 | -12% |
| South Carolina | $124 | $1,481 | -4% |
| South Dakota | $116 | $1,383 | -10% |
| Tennessee | $119 | $1,421 | -8% |
| Texas | $133 | $1,590 | 3% |
| Utah | $125 | $1,496 | -3% |
| Vermont | $120 | $1,436 | -7% |
| Virginia | $141 | $1,684 | 9% |
| Washington | $149 | $1,785 | 16% |
| West Virginia | $111 | $1,324 | -14% |
| Wisconsin | $139 | $1,664 | 8% |
| Wyoming | $118 | $1,418 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Akita. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Akita Insurance Costs?
Akitas rank as the 51st most expensive dog breed to insure, with average premiums of $129 per month. Several breed-specific health and behavioral factors drive these higher costs, but understanding these risks helps owners find more affordable coverage options.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Akitas face several breed-specific health challenges that insurers consider high-risk conditions. Hip dysplasia commonly requires costly surgical intervention in this breed. They also frequently develop thyroid disorders, progressive retinal atrophy, and autoimmune conditions. These hereditary health issues often require ongoing treatment and monitoring, substantially increasing lifetime veterinary expenses.
Size-Related Factors
Potential Vet Cost Increase: 40% to 60% higher vet costs
As a large breed weighing between 70 to 130 pounds, Akitas require significantly more resources for medical care. Their size necessitates larger medication doses, additional anesthesia during procedures, and specialized equipment. Post-surgical recovery often involves extended care periods and support equipment like mobility harnesses or reinforced crates, contributing to higher overall treatment costs.
Lifespan Considerations
Annual Vet Costs By Age: $500 to $1,000 (Young) to $2,000 to $4,500 (Senior)
Akitas typically live 10 to 13 years, which is relatively short for dogs. This compressed lifespan often means age-related health issues develop earlier than in smaller breeds. Senior Akitas frequently require more intensive medical care, including regular blood work, joint supplements, and management of chronic conditions, leading to substantially higher veterinary expenses in their later years.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Originally bred as working dogs, Akitas maintain high energy levels and strong protective instincts. Their powerful build and active nature increase their risk of activity-related injuries such as cruciate ligament tears and muscle strains. Their territorial temperament can also affect insurance coverage options, particularly regarding liability protection, though this usually impacts eligibility more than premium costs.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Increased demand has led to questionable breeding practices, elevating the risk of genetic health problems in Akitas. Insurance providers often consider this breed higher risk due to inherited conditions, potentially affecting coverage terms and exclusions. Selecting an Akita from health-tested parents with proper breeding documentation can significantly reduce future medical expenses and improve insurance options.
While Akitas share common health traits, your dog's needs are unique. Consider both your budget and your pet's specific health history when choosing coverage. A conversation with your vet can help identify your Akita's individual risk factors.
INSURANCE RISK PREVENTION
Protect your Akita's health by maintaining a healthy weight through measured meals and daily walks. Choose a breeder who screens for hip dysplasia and eye problems. Feed two smaller meals instead of one large meal to reduce bloat risk, and schedule regular thyroid screenings with your vet. Early detection and prevention of common breed issues can save thousands in medical costs.
How to Get the Best Cheap Akita Pet Insurance
While getting pet insurance for your Akita takes some research, these practical steps can help lower your premium costs.
- 1Understand Your Coverage Options
Akitas face specific health risks like hip dysplasia and thyroid issues that can lead to expensive vet bills. Determine if pet insurance is worth it and whether accident-only or comprehensive coverage better suits your needs. Also, check what options for deductibles, annual limits and reimbursement rates are available for your pet's profile.
- 2Compare Insurance Providers
Get familiar with top pet insurance companies that cover Akitas. Look at customer reviews, as well as claim processing speeds and denial rates to find reliable providers.
- 3Review Policy Details
Check waiting periods as most providers have require 14 to 30 days before illness coverage starts. Also, look out for reimbursement timelines and pre-existing condition exclusions before signing up.
- 4Get Multiple Price Quotes
Request quotes from at least three different insurance providers. Prices can vary by hundreds of dollars for the same deductible, annual limit and reimbursement rate. Check whether pet insurance discounts are available to lower premiums.
- 5Review Annual Coverage
Check your policy details and pricing each year before renewal. Your Akita's age and health needs change, so comparing new quotes annually helps ensure you maintain the best rate.
Akita Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Akitas, while Pumpkin offers the lowest monthly premiums at $39. Compare both insurers, along with other trusted options, to find coverage that matches your pet's needs and your budget. The right policy ensures your Akita gets quality care when health issues arise.
Learn more about the best pet insurance providers for Akitas:
Pet Insurance for Akitas: FAQ
Our insurance experts answer common questions about protecting your Akita.
What is the best pet insurance provider for Akitas overall?
AKC offers the best pet insurance for Akitas, delivering comprehensive coverage and exceptional customer service. Though premiums run higher than average, their extensive protection and specialized breed knowledge make the cost worthwhile.
Who offers the cheapest pet insurance for Akitas?
Pumpkin provides the most affordable pet insurance for Akitas, with plans starting at $39 per month for standard coverage. Keep in mind that actual rates will vary based on your location and pet's specific circumstances.
How much does Akita insurance cost?
With a monthly premium of $129, Akitas rank as the 51st most expensive breed to insure. Monthly rates vary significantly across states, ranging from $87 to $167 depending on location.
What are the most common accident and illness risks for Akitas?
Akitas commonly face hip dysplasia (joint malformation causing pain and lameness), gastric dilatation-volvulus (life-threatening stomach bloating and twisting), and hypothyroidism (hormone deficiency affecting metabolism and coat health). These conditions are largely linked to the breed's large size and genetic predisposition.
How We Found the Best and Cheapest Akita Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Akitas. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Akitas.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Akita
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs provided were based on aggregated pricing for the breed for all coverage selections and all ages insured on the market within reasonable life expectancy limits.
How We Rated Each Provider
We analyzed online sources for comprehensive ratings based on the following basic metrics:
- Affordability (50% of score): This score aggregates ratings based on the relative affordability compared to competition for all profiles and all factor combinations. We also factored in discounts as a minor component to the rating, as there's only slight variation between companies.
- Customer Experience (30% of score): We used ratings derived from a general sentiment rating aggregated from all internet sources, determining positive, neutral and negative sentiment proportions for each company to get this score. More positive sentiment means a higher rating.
- Coverage (20% of score): We read all contract details for every provider in every state, considering add-on options, inclusions, exclusions and restrictions to derive this score. Pet insurance regulations vary widely by state, and coverage options may differ based on your location.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.