The best pet insurance company for Basset Hounds is AKC due to its comprehensive coverage options and strong customer satisfaction ratings. Other top-rated options include Lemonade, Rainwalk and Pets Best.
Basset Hound Insurance
Updated: September 5, 2025
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Key Takeaways
AKC is the best pet insurance company for Basset Hounds, offering strong coverage and service quality.
Lemonade provides the cheapest pet insurance rates for Basset Hounds, with average rates of around $46 monthly for standard protection.
The average monthly premium for Basset Hounds is $139, making them the 36th most expensive dog breed to insure.
Best Basset Hound Pet Insurance Companies
| AKC | 4.15 | $69 | 3 | 1 |
| Lemonade | 4.10 | $46 | 3 | 6 |
| Rainwalk | 4.05 | $70 | 1 | 4 |
| Pets Best | 4.00 | $56 | 5 | 2 |
| Spot | 3.75 | $67 | 2 | 8 |
*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.
AKC
Best for Basset Hounds
MoneyGeek Rating
4.2/ 5
3.6/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$69Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Basset Hound Pet Insurance by State
AKC leads Basset Hound insurance rankings in 46 states nationwide. Lemonade holds the second-highest position, ranking best in 18 states including Alabama, Virginia and Wisconsin.
| Alabama | AKC | 4.10 |
| Alabama | Rainwalk | 4.10 |
| Alabama | Lemonade | 4.10 |
| Alaska | AKC | 4.15 |
| Arizona | AKC | 4.10 |
| Arizona | Lemonade | 4.10 |
| Arkansas | AKC | 4.25 |
| California | AKC | 4.15 |
| Colorado | AKC | 4.15 |
| Connecticut | AKC | 4.15 |
| Delaware | AKC | 4.10 |
| Delaware | Lemonade | 4.10 |
| Florida | AKC | 4.20 |
| Georgia | AKC | 4.10 |
| Georgia | Lemonade | 4.10 |
| Hawaii | AKC | 4.15 |
| Idaho | AKC | 4.10 |
| Idaho | Lemonade | 4.10 |
| Illinois | Rainwalk | 4.15 |
| Illinois | AKC | 4.15 |
| Indiana | AKC | 4.20 |
| Iowa | AKC | 4.10 |
| Iowa | Lemonade | 4.10 |
| Kansas | AKC | 4.10 |
| Kansas | Rainwalk | 4.10 |
| Kansas | Lemonade | 4.10 |
| Kentucky | AKC | 4.20 |
| Louisiana | AKC | 4.10 |
| Louisiana | Lemonade | 4.10 |
| Maine | AKC | 4.10 |
| Maine | Lemonade | 4.10 |
| Maryland | Lemonade | 4.10 |
| Maryland | AKC | 4.10 |
| Massachusetts | AKC | 4.10 |
| Massachusetts | Lemonade | 4.10 |
| Michigan | Lemonade | 4.10 |
| Minnesota | AKC | 4.10 |
| Minnesota | Lemonade | 4.10 |
| Mississippi | AKC | 4.15 |
| Missouri | AKC | 4.15 |
| Montana | AKC | 4.15 |
| Nebraska | AKC | 4.15 |
| Nevada | AKC | 4.15 |
| New Hampshire | AKC | 4.15 |
| New Jersey | AKC | 4.10 |
| New Jersey | Lemonade | 4.10 |
| New Mexico | AKC | 4.25 |
| New York | AKC | 4.15 |
| North Carolina | AKC | 4.15 |
| North Dakota | AKC | 4.25 |
| Ohio | AKC | 4.10 |
| Ohio | Lemonade | 4.10 |
| Oklahoma | AKC | 4.25 |
| Oregon | AKC | 4.15 |
| Pennsylvania | AKC | 4.15 |
| Rhode Island | AKC | 4.20 |
| South Carolina | AKC | 4.20 |
| South Dakota | AKC | 4.20 |
| Tennessee | AKC | 4.15 |
| Texas | AKC | 4.15 |
| Utah | Lemonade | 4.10 |
| Vermont | AKC | 4.15 |
| Virginia | Rainwalk | 4.10 |
| Virginia | Lemonade | 4.10 |
| Washington | AKC | 4.30 |
| West Virginia | AKC | 4.15 |
| Wisconsin | Lemonade | 4.10 |
| Wyoming | AKC | 4.20 |
*Rates are based on a 6-year-old Basset Hound 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 Basset Hound Pet Insurance Companies
Lemonade provides the most affordable pet insurance for Basset Hounds at $46 per month or $551 per year. Other budget-friendly options include Pumpkin, ASPCA, Pets Best and Figo.
| Lemonade | $46 | $551 | 16% |
| Pumpkin | $49 | $587 | 11% |
| Pets Best | $56 | $674 | 3% |
| ASPCA | $56 | $674 | 3% |
| Figo | $58 | $698 | 6% |
*Rates are based on a 6-year-old Basset Hound with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Lemonade
Cheapest Pet Insurance for Basset Hounds
MoneyGeek Rating
4.1/ 5
4.2/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$46Overall Customer Sentiment
65% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical Therapy For New Accidents and Illness
Cheapest Basset Hound Pet Insurance by State
Lemonade leads as the most budget-friendly pet insurance choice for Basset Hounds, offering the lowest rates in 50 states. Monthly premiums range from $31 to $59, depending on your location.
| Alabama | Lemonade | $34 | 20% |
| Alaska | Lemonade | $45 | 17% |
| Arizona | Lemonade | $56 | 13% |
| Arkansas | Lemonade | $31 | 20% |
| California | Lemonade | $58 | 10% |
| Colorado | Lemonade | $58 | 14% |
| Connecticut | Lemonade | $53 | 15% |
| Delaware | Lemonade | $46 | 17% |
| Florida | Lemonade | $52 | 15% |
| Georgia | Lemonade | $42 | 15% |
| Hawaii | Lemonade | $46 | 18% |
| Idaho | Lemonade | $46 | 15% |
| Illinois | Lemonade | $57 | 13% |
| Indiana | Lemonade | $42 | 14% |
| Iowa | Lemonade | $39 | 18% |
| Kansas | Lemonade | $42 | 17% |
| Kentucky | Lemonade | $36 | 20% |
| Louisiana | Lemonade | $37 | 18% |
| Maine | Lemonade | $56 | 16% |
| Maryland | Lemonade | $45 | 23% |
| Massachusetts | Lemonade | $59 | 14% |
| Michigan | Lemonade | $46 | 16% |
| Minnesota | Lemonade | $48 | 14% |
| Mississippi | Lemonade | $39 | 18% |
| Missouri | Lemonade | $36 | 18% |
| Montana | Lemonade | $39 | 17% |
| Nebraska | Lemonade | $42 | 17% |
| Nevada | Lemonade | $48 | 15% |
| New Hampshire | Lemonade | $53 | 14% |
| New Jersey | Lemonade | $52 | 14% |
| New Mexico | Lemonade | $41 | 17% |
| New York | Lemonade | $50 | 15% |
| North Carolina | Lemonade | $41 | 19% |
| North Dakota | Lemonade | $35 | 17% |
| Ohio | Lemonade | $42 | 18% |
| Oklahoma | Lemonade | $39 | 17% |
| Oregon | Lemonade | $57 | 14% |
| Pennsylvania | Lemonade | $48 | 17% |
| Rhode Island | Lemonade | $40 | 17% |
| South Carolina | Lemonade | $44 | 15% |
| South Dakota | Lemonade | $41 | 19% |
| Tennessee | Lemonade | $43 | 15% |
| Texas | Lemonade | $49 | 14% |
| Utah | Lemonade | $44 | 17% |
| Vermont | Lemonade | $43 | 17% |
| Virginia | Lemonade | $49 | 18% |
| Washington | Lemonade | $53 | 19% |
| West Virginia | Lemonade | $40 | 16% |
| Wisconsin | Lemonade | $49 | 18% |
| Wyoming | Lemonade | $43 | 15% |
*Rates are based on a 6-year-old Basset Hound 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 Basset Hound Insurance Cost?
Monthly insurance costs for Basset Hounds range from $94 to $180 across the U.S., ranking as the 36th most expensive breed to insure. Your actual premium will vary based on your location and chosen coverage options.
| Alabama | $105 | $1,257 | -24% |
| Alaska | $137 | $1,646 | -1% |
| Arizona | $166 | $1,986 | 19% |
| Arkansas | $94 | $1,129 | -32% |
| California | $172 | $2,064 | 24% |
| Colorado | $174 | $2,085 | 25% |
| Connecticut | $159 | $1,905 | 14% |
| Delaware | $141 | $1,688 | 1% |
| Florida | $158 | $1,896 | 14% |
| Georgia | $124 | $1,481 | -11% |
| Hawaii | $142 | $1,702 | 2% |
| Idaho | $139 | $1,662 | -0% |
| Illinois | $170 | $2,040 | 23% |
| Indiana | $125 | $1,504 | -10% |
| Iowa | $115 | $1,380 | -17% |
| Kansas | $126 | $1,515 | -9% |
| Kentucky | $111 | $1,333 | -20% |
| Louisiana | $112 | $1,346 | -19% |
| Maine | $168 | $2,011 | 21% |
| Maryland | $145 | $1,739 | 4% |
| Massachusetts | $180 | $2,159 | 30% |
| Michigan | $140 | $1,676 | 1% |
| Minnesota | $142 | $1,707 | 3% |
| Mississippi | $120 | $1,436 | -14% |
| Missouri | $110 | $1,320 | -21% |
| Montana | $118 | $1,415 | -15% |
| Nebraska | $125 | $1,494 | -10% |
| Nevada | $142 | $1,698 | 2% |
| New Hampshire | $160 | $1,914 | 15% |
| New Jersey | $155 | $1,864 | 12% |
| New Mexico | $122 | $1,467 | -12% |
| New York | $152 | $1,821 | 9% |
| North Carolina | $126 | $1,509 | -9% |
| North Dakota | $107 | $1,287 | -23% |
| Ohio | $129 | $1,551 | -7% |
| Oklahoma | $117 | $1,395 | -16% |
| Oregon | $173 | $2,069 | 24% |
| Pennsylvania | $146 | $1,750 | 5% |
| Rhode Island | $123 | $1,472 | -12% |
| South Carolina | $134 | $1,606 | -3% |
| South Dakota | $125 | $1,494 | -10% |
| Tennessee | $128 | $1,535 | -8% |
| Texas | $143 | $1,718 | 3% |
| Utah | $135 | $1,615 | -3% |
| Vermont | $129 | $1,552 | -7% |
| Virginia | $152 | $1,819 | 9% |
| Washington | $161 | $1,927 | 16% |
| West Virginia | $119 | $1,431 | -14% |
| Wisconsin | $150 | $1,797 | 8% |
| Wyoming | $128 | $1,532 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Basset Hound. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Basset Hound Insurance Costs?
Basset Hounds are the 36th most expensive breed to insure, with monthly premiums averaging $139. Several breed-specific health factors drive these higher insurance costs, but there are ways to keep coverage affordable.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Basset Hounds face several breed-specific health challenges that insurers consider high-risk conditions. Intervertebral disk disease (IVDD) frequently requires costly surgery and ongoing care. These dogs are also prone to glaucoma, hip dysplasia, and thrombopathia (a blood clotting disorder). Their unique body structure makes them susceptible to obesity-related complications, which can significantly increase lifetime veterinary expenses.
Size-Related Factors
Potential Vet Cost Increase: 30% to 45% higher vet costs
Basset Hounds have a unique body structure with short legs and a long spine, requiring specialized medical considerations. Their substantial weight (40-65 pounds) means they need larger medication doses and additional anesthesia during procedures. Their distinctive build also necessitates special equipment for mobility support and recovery, particularly for back or joint issues.
Lifespan Considerations
Annual Vet Costs By Age: $700 to $1,500 (Young) to $2,000 to $4,500 (Senior)
Basset Hounds typically live 10 to 12 years, which is slightly shorter than average for medium-sized breeds. Their compressed lifespan often means age-related health issues develop earlier. Senior Basset Hounds frequently need more intensive medical care for arthritis, vision problems, and spinal conditions, leading to substantially higher veterinary costs in their later years.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Originally bred as hunting dogs, Basset Hounds have strong tracking instincts that can lead them into dangerous situations. Their low-set body structure and determination to follow scents makes them prone to back injuries and joint strains. While not typically aggressive, their stubborn nature can make them resistant to recall commands, potentially increasing accident risks during outdoor activities.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Increased demand for Basset Hounds has led to concerning breeding practices that amplify genetic health risks. This trend has made insurers more cautious about coverage for hereditary conditions like cherry eye, elbow dysplasia, and von Willebrand disease. Selecting a puppy from health-tested parents with OFA certifications can significantly reduce your risk of facing denied claims and expensive treatments.
While Basset Hounds share common health traits, your dog's needs are unique. Consider your pet's health history and your budget when choosing insurance coverage. A conversation with your vet can help identify specific health risks that might affect your insurance decision.
INSURANCE RISK PREVENTION
Protect your Basset Hound's health by establishing a daily routine of gentle ear cleaning and inspection to prevent infections. Keep your dog at a healthy weight through measured portions and regular low-impact walks, as excess weight strains their unique body structure. Schedule regular vet checkups to monitor eye health and spine condition, common concerns in the breed. When exercising, stick to short walks rather than high-impact activities that could stress their long back. For new Basset Hound owners, choose breeders who perform health testing on their breeding dogs to reduce the risk of hereditary conditions.
How to Get the Best Cheap Basset Hound Pet Insurance
Finding affordable Basset Hound insurance takes some research, but these simple steps make it easier.
- 1
Evaluate Your Coverage Needs
Basset Hounds face health challenges like ear infections and joint problems. Review pet insurance coverage options to match your dog's needs and your budget.
- 2
Compare Insurance Providers
Research different insurance companies and their coverage costs. Look for providers with positive customer reviews and clear policies about covering breed-specific conditions.
- 3
Review Policy Details
Check waiting periods and pre-existing condition rules before signing up. Many providers have different rules about when coverage starts and what health issues they'll cover.
- 4
Get Multiple Price Quotes
Request quotes from at least three different providers. Prices can vary by hundreds of dollars for the same coverage level.
- 5
Check Rates Yearly
Mark your calendar to review your policy at renewal time. Your dog's needs change with age, and new providers may offer better rates.
Basset Hound Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Basset Hounds, while Lemonade offers the lowest monthly premiums. Compare providers to find coverage that matches your pet's needs and your budget. The right policy brings peace of mind and ensures quality care when health issues arise.
Pet Insurance for Basset Hound: FAQ
Below are answers to frequently asked questions about Basset Hound insurance:
What is the best pet insurance provider for Basset Hounds overall?
AKC offers the best insurance coverage for Basset Hounds, offering comprehensive protection and exceptional customer service with a perfect coverage score. While premiums run higher than average, the extensive benefits justify the investment.
Who offers the cheapest pet insurance for Basset Hounds?
Lemonade provides the most affordable pet insurance for Basset Hounds at $46 per month for standard coverage. Premiums will vary based on your location, pet's age, and other individual factors.
How much does Basset Hound insurance cost?
Basset Hounds rank as the 36th most expensive breed to insure, with average premiums of $139 per month. Monthly insurance costs vary significantly by location, ranging from $94 to $180.
What are the most common accident and illness risks for Basset Hounds?
Basset Hounds commonly suffer from bloat (a life-threatening stomach condition causing rapid swelling), hip dysplasia (joint malformation leading to arthritis and mobility issues) and glaucoma (eye pressure causing vision loss and pain). These health risks are largely attributed to the breed's long body structure and genetic predisposition.
How We Found the Best and Cheapest Basset Hound Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Basset Hounds. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Basset Hounds.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Basset Hound
- $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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.