The best pet insurance company for Siberian Huskies is AKC due to its excellent coverage options and strong customer satisfaction scores. Other top-rated options include Pets Best, Rainwalk and Lemonade for quality coverage.
Siberian Husky Insurance
Updated: August 31, 2025
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Key Takeaways
AKC is the best pet insurance company for Siberian Huskies, offering comprehensive coverage and strong customer service.
Pets Best and Pumpkin offer the cheapest pet insurance rates for Siberian Huskies, with average rates of around $32 monthly for standard protection.
The average monthly premium for Siberian Huskies is $95, ranking them as the 134th most expensive dog breed to insure.
Best Siberian Husky Pet Insurance Companies
| AKC | 4.40 | $49 | 3 | 1 |
| Pets Best | 4.30 | $32 | 5 | 2 |
| Rainwalk | 4.30 | $48 | 1 | 4 |
| Lemonade | 4.25 | $32 | 3 | 6 |
| Spot | 4.00 | $45 | 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 Siberian Huskies
MoneyGeek Rating
4.4/ of 5
4.2/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$49Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Siberian Husky Pet Insurance by State
AKC leads Siberian Husky insurance in 49 states, making it the clear national favorite. Rainwalk ranks highest in seven states, including Michigan, Virginia and Utah, offering strong regional coverage options.
| Alabama | AKC | 4.40 |
| Alaska | AKC | 4.40 |
| Arizona | AKC | 4.40 |
| Arkansas | AKC | 4.45 |
| California | AKC | 4.40 |
| Colorado | AKC | 4.40 |
| Connecticut | AKC | 4.40 |
| Delaware | AKC | 4.35 |
| Florida | AKC | 4.40 |
| Georgia | AKC | 4.35 |
| Hawaii | AKC | 4.40 |
| Idaho | AKC | 4.35 |
| Idaho | Rainwalk | 4.35 |
| Illinois | AKC | 4.40 |
| Illinois | Rainwalk | 4.40 |
| Indiana | AKC | 4.45 |
| Iowa | AKC | 4.40 |
| Kansas | AKC | 4.40 |
| Kentucky | AKC | 4.45 |
| Louisiana | AKC | 4.40 |
| Maine | AKC | 4.40 |
| Maryland | AKC | 4.35 |
| Massachusetts | AKC | 4.35 |
| Massachusetts | Rainwalk | 4.35 |
| Michigan | Rainwalk | 4.35 |
| Minnesota | AKC | 4.35 |
| Minnesota | Rainwalk | 4.35 |
| Mississippi | AKC | 4.40 |
| Missouri | AKC | 4.40 |
| Montana | AKC | 4.40 |
| Nebraska | AKC | 4.40 |
| Nevada | AKC | 4.40 |
| New Hampshire | AKC | 4.40 |
| New Jersey | AKC | 4.35 |
| New Mexico | AKC | 4.45 |
| New York | AKC | 4.40 |
| North Carolina | AKC | 4.40 |
| North Dakota | AKC | 4.45 |
| Ohio | AKC | 4.35 |
| Oklahoma | AKC | 4.45 |
| Oregon | AKC | 4.40 |
| Pennsylvania | AKC | 4.40 |
| Rhode Island | AKC | 4.45 |
| South Carolina | AKC | 4.40 |
| South Dakota | AKC | 4.45 |
| Tennessee | AKC | 4.40 |
| Texas | AKC | 4.40 |
| Utah | AKC | 4.35 |
| Utah | Rainwalk | 4.35 |
| Vermont | AKC | 4.40 |
| Virginia | Rainwalk | 4.35 |
| Virginia | AKC | 4.35 |
| Washington | AKC | 4.50 |
| West Virginia | AKC | 4.40 |
| Wisconsin | AKC | 4.35 |
| Wyoming | AKC | 4.40 |
*Rates are based on a 6-year-old Siberian Husky 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 Siberian Husky Pet Insurance Companies
Pets Best and Pumpkin offer the lowest rates for Siberian Husky pet insurance at $32 per month or $377 per year. Other affordable providers include Lemonade, ASPCA and Figo.
| Pumpkin | $32 | $377 | 43% |
| Pets Best | $32 | $377 | 43% |
| Lemonade | $32 | $385 | 41% |
| ASPCA | $38 | $458 | 30% |
| Figo | $43 | $514 | 22% |
*Rates are based on a 6-year-old Siberian Husky with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pets Best
Cheapest Pet Insurance for Siberian Huskies
MoneyGeek Rating
4.3/ of 5
4.6/5Affordability
4/5Customer Experience
4/5Coverage Options
Average Monthly Rate
$32Overall Customer Sentiment
70% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Direct veterinary payment option
Cheapest Siberian Husky Pet Insurance by State
Pets Best leads as the most affordable pet insurance provider for Siberian Huskies in the U.S., ranking lowest in 50 states. Monthly premiums range from $21 to $41, depending on location.
| Alabama | Pets Best | $23 | 45% |
| Alabama | Pumpkin | $23 | 45% |
| Alaska | Pets Best | $31 | 44% |
| Alaska | Pumpkin | $31 | 44% |
| Arizona | Pets Best | $38 | 41% |
| Arizona | Pumpkin | $38 | 41% |
| Arkansas | Pets Best | $21 | 45% |
| Arkansas | Pumpkin | $21 | 45% |
| California | Pets Best | $40 | 39% |
| California | Pumpkin | $40 | 39% |
| Colorado | Pets Best | $40 | 42% |
| Colorado | Pumpkin | $40 | 42% |
| Connecticut | Pets Best | $36 | 42% |
| Connecticut | Pumpkin | $36 | 42% |
| Delaware | Pets Best | $32 | 43% |
| Delaware | Pumpkin | $32 | 43% |
| Florida | Pets Best | $36 | 42% |
| Florida | Pumpkin | $36 | 42% |
| Georgia | Pets Best | $28 | 42% |
| Georgia | Pumpkin | $28 | 42% |
| Hawaii | Pets Best | $32 | 44% |
| Hawaii | Pumpkin | $32 | 44% |
| Idaho | Pets Best | $32 | 42% |
| Idaho | Pumpkin | $32 | 42% |
| Illinois | Pets Best | $39 | 41% |
| Illinois | Pumpkin | $39 | 41% |
| Indiana | Pets Best | $29 | 41% |
| Indiana | Pumpkin | $29 | 41% |
| Iowa | Pets Best | $27 | 44% |
| Iowa | Pumpkin | $27 | 44% |
| Kansas | Pets Best | $29 | 43% |
| Kansas | Pumpkin | $29 | 43% |
| Kentucky | Pets Best | $25 | 46% |
| Kentucky | Pumpkin | $25 | 46% |
| Louisiana | Pets Best | $25 | 44% |
| Louisiana | Pumpkin | $25 | 44% |
| Maine | Pets Best | $38 | 42% |
| Maine | Pumpkin | $38 | 42% |
| Maryland | Pets Best | $31 | 47% |
| Maryland | Pumpkin | $31 | 47% |
| Massachusetts | Pets Best | $41 | 41% |
| Massachusetts | Pumpkin | $41 | 41% |
| Michigan | Pets Best | $32 | 43% |
| Michigan | Pumpkin | $32 | 43% |
| Minnesota | Pets Best | $33 | 41% |
| Minnesota | Pumpkin | $33 | 41% |
| Mississippi | Pets Best | $27 | 44% |
| Mississippi | Pumpkin | $27 | 44% |
| Missouri | Pets Best | $25 | 44% |
| Missouri | Pumpkin | $25 | 44% |
| Montana | Pets Best | $26 | 44% |
| Montana | Pumpkin | $26 | 44% |
| Nebraska | Pets Best | $29 | 43% |
| Nebraska | Pumpkin | $29 | 43% |
| Nevada | Pets Best | $33 | 42% |
| Nevada | Pumpkin | $33 | 42% |
| New Hampshire | Pets Best | $37 | 41% |
| New Hampshire | Pumpkin | $37 | 41% |
| New Jersey | Pets Best | $36 | 41% |
| New Jersey | Pumpkin | $36 | 41% |
| New Mexico | Pets Best | $28 | 44% |
| New Mexico | Pumpkin | $28 | 44% |
| New York | Pets Best | $34 | 42% |
| New York | Pumpkin | $34 | 42% |
| North Carolina | Pets Best | $28 | 44% |
| North Carolina | Pumpkin | $28 | 44% |
| North Dakota | Pets Best | $24 | 44% |
| North Dakota | Pumpkin | $24 | 44% |
| Ohio | Pets Best | $29 | 44% |
| Ohio | Pumpkin | $29 | 44% |
| Oklahoma | Pets Best | $26 | 44% |
| Oklahoma | Pumpkin | $26 | 44% |
| Oregon | Pets Best | $39 | 41% |
| Oregon | Pumpkin | $39 | 41% |
| Pennsylvania | Pets Best | $33 | 43% |
| Pennsylvania | Pumpkin | $33 | 43% |
| Rhode Island | Pets Best | $27 | 43% |
| Rhode Island | Pumpkin | $27 | 43% |
| South Carolina | Pets Best | $30 | 42% |
| South Carolina | Pumpkin | $30 | 42% |
| South Dakota | Pets Best | $28 | 44% |
| South Dakota | Pumpkin | $28 | 44% |
| Tennessee | Pets Best | $29 | 42% |
| Tennessee | Pumpkin | $29 | 42% |
| Texas | Pets Best | $33 | 41% |
| Texas | Pumpkin | $33 | 41% |
| Utah | Pets Best | $30 | 43% |
| Utah | Pumpkin | $30 | 43% |
| Vermont | Pets Best | $29 | 43% |
| Vermont | Pumpkin | $29 | 43% |
| Virginia | Pets Best | $34 | 44% |
| Virginia | Pumpkin | $34 | 44% |
| Washington | Pets Best | $36 | 44% |
| Washington | Pumpkin | $36 | 44% |
| West Virginia | Pets Best | $27 | 42% |
| West Virginia | Pumpkin | $27 | 42% |
| Wisconsin | Pets Best | $34 | 44% |
| Wisconsin | Pumpkin | $34 | 44% |
| Wyoming | Pets Best | $29 | 42% |
| Wyoming | Pumpkin | $29 | 42% |
*Rates are based on a 6-year-old Siberian Husky 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 Siberian Husky Insurance Cost?
Monthly pet insurance premiums for Siberian Huskies range from $65 to $124 across the U.S., ranking as the 134th most expensive breed to insure. Your actual premium will vary based on your location, coverage choices and pet's specific needs.
| Alabama | $72 | $862 | -24% |
| Alaska | $94 | $1,129 | -1% |
| Arizona | $114 | $1,363 | 19% |
| Arkansas | $65 | $775 | -32% |
| California | $118 | $1,416 | 24% |
| Colorado | $119 | $1,431 | 25% |
| Connecticut | $109 | $1,306 | 14% |
| Delaware | $96 | $1,158 | 1% |
| Florida | $108 | $1,301 | 14% |
| Georgia | $85 | $1,016 | -11% |
| Hawaii | $97 | $1,168 | 2% |
| Idaho | $95 | $1,140 | -0% |
| Illinois | $117 | $1,399 | 23% |
| Indiana | $86 | $1,032 | -10% |
| Iowa | $79 | $947 | -17% |
| Kansas | $87 | $1,039 | -9% |
| Kentucky | $76 | $915 | -20% |
| Louisiana | $77 | $924 | -19% |
| Maine | $115 | $1,379 | 21% |
| Maryland | $100 | $1,194 | 5% |
| Massachusetts | $124 | $1,482 | 30% |
| Michigan | $96 | $1,150 | 1% |
| Minnesota | $98 | $1,171 | 3% |
| Mississippi | $82 | $985 | -14% |
| Missouri | $76 | $906 | -21% |
| Montana | $81 | $970 | -15% |
| Nebraska | $85 | $1,025 | -10% |
| Nevada | $97 | $1,165 | 2% |
| New Hampshire | $109 | $1,313 | 15% |
| New Jersey | $107 | $1,278 | 12% |
| New Mexico | $84 | $1,007 | -12% |
| New York | $104 | $1,250 | 9% |
| North Carolina | $86 | $1,035 | -9% |
| North Dakota | $74 | $883 | -23% |
| Ohio | $89 | $1,064 | -7% |
| Oklahoma | $80 | $957 | -16% |
| Oregon | $118 | $1,419 | 24% |
| Pennsylvania | $100 | $1,201 | 5% |
| Rhode Island | $84 | $1,010 | -12% |
| South Carolina | $92 | $1,098 | -4% |
| South Dakota | $86 | $1,025 | -10% |
| Tennessee | $88 | $1,053 | -8% |
| Texas | $98 | $1,179 | 3% |
| Utah | $93 | $1,108 | -3% |
| Vermont | $89 | $1,064 | -7% |
| Virginia | $104 | $1,248 | 9% |
| Washington | $110 | $1,322 | 16% |
| West Virginia | $82 | $981 | -14% |
| Wisconsin | $103 | $1,233 | 8% |
| Wyoming | $88 | $1,051 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Siberian Husky. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect Siberian Husky Insurance Costs?
Siberian Huskies rank 134th in pet insurance costs, making them one of the more expensive breeds to insure. Breed-specific health and behavioral factors drive these higher premiums, but you can manage coverage costs.
Health Predispositions
Potential Vet Costs: $2,000 to $15,000
Siberian Huskies face breed-specific health challenges that insurers consider high-risk. Hip dysplasia commonly requires costly corrective surgery in this breed. They are prone to eye conditions like cataracts and corneal dystrophy, as well as autoimmune disorders. These genetic predispositions require complex treatments and ongoing care that impact insurance costs.
Size-Related Factors
Potential Vet Cost Increase: 30% to 45% higher vet costs
Medium to large-sized Siberian Huskies require more extensive medical care than smaller breeds. Their size means higher medication doses and increased anesthesia during procedures. Recovery from surgeries requires specialized equipment like mobility supports and larger crates, while their muscular build can complicate healing times and rehabilitation needs.
Lifespan Considerations
Annual Vet Costs By Age: $700 to $1,500 (Young) to $2,000 to $4,500 (Senior)
Siberian Huskies live 12 to 14 years, an average for their size. Senior Huskies commonly develop joint problems, vision issues, and endocrine disorders that require ongoing management. They also need more frequent veterinary care and specialized treatments, leading to higher medical expenses in later years.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Siberian Huskies are highly energetic working dogs with strong exercise needs. Their athletic nature and high activity level increase sports-related injury risk, such as cruciate ligament tears and muscle strains. Their strong prey drive and escape tendencies can lead to accidents requiring emergency care, influencing coverage options and potential claims.
Breeding-Related Issues
Potential Vet Costs: $2,500 to $12,000
Increased popularity has led to concerning breeding practices in Siberian Huskies, resulting in more genetic health issues. Selecting a puppy from health-tested parents with proper breeding documentation helps reduce future medical expenses and insurance complications.
While Siberian Huskies share some common health traits, your dog's unique health profile matters most when choosing insurance. Consider both your budget and your pet's specific needs. A conversation with your vet can help identify your Husky's individual risk factors.
INSURANCE RISK PREVENTION
Protect your Siberian Husky's health by focusing on prevention and breed-specific care. Schedule regular vet checkups to monitor hip and eye health, and ask about genetic testing for common breed issues. Keep your Husky fit with two hours of daily exercise, split between walks and active play. Brush their double coat weekly and maintain dental hygiene with regular teeth cleaning. Choose food appropriate for active breeds, and work with breeders who screen parent dogs for hereditary conditions.
How to Get the Best Cheap Siberian Husky Pet Insurance
While Siberian Husky insurance costs can be high, you'll find significant savings with these strategies.
- 1
Evaluate Your Coverage Needs
Siberian Huskies have specific health risks that can affect insurance costs. Review pet insurance coverage options to understand what protection level fits your budget and your pet's needs.
- 2
Compare Insurance Providers
Look up several insurance companies that cover Siberian Huskies. Check their customer reviews, claim payment speed, and coverage options to find reliable providers.
- 3
Review Policy Details
Carefully examine waiting periods and coverage exclusions before choosing a plan. Request sample policies from your top choices to understand exactly what's covered.
- 4
Get Multiple Price Quotes
Request quotes from at least three different insurance providers. Prices can vary by hundreds of dollars for the same coverage level.
- 5
Check Rates Yearly
Review your policy and get new quotes each year before renewal. Your Husky's needs may change, and new providers might offer better rates.
Siberian Husky Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Siberian Huskies, while Pets Best and Pumpkin offer the lowest monthly premiums at $32. Compare both insurers, along with other trusted options, to find coverage matching your pet's health needs and your budget. The right policy brings peace of mind and ensures quality care when health issues arise.
Pet Insurance for Siberian Husky: FAQ
Below are our expert answers to frequently asked questions about Siberian Husky insurance:
What is the best pet insurance provider for Siberian Huskies overall?
AKC provides the best insurance for Siberian Huskies, offering comprehensive coverage and outstanding customer service. Despite higher-than-average premiums, their extensive benefits and specialized coverage make them a valuable choice for Husky owners.
Who offers the cheapest pet insurance for Siberian Huskies?
Pets Best provides the most affordable pet insurance for Siberian Huskies, with plans starting at $32 monthly for standard coverage. Note that actual rates will vary depending on your location and pet's specific circumstances.
How much does Siberian Husky insurance cost?
Siberian Huskies cost an average of $95 per month to insure, ranking 134th among dog breeds for insurance expenses. Monthly premiums vary significantly by location, ranging from $65 to $124.
What are the most common accident and illness risks for Siberian Huskies?
Siberian Huskies commonly face hip dysplasia (a joint condition causing pain and limited mobility), cataracts (clouding of the eye lens leading to vision problems) and progressive retinal atrophy (degenerative eye disease causing blindness). These health risks are primarily linked to the breed's genetic makeup and physical characteristics.
How We Found the Best and Cheapest Siberian Husky Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Siberian Huskies. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Siberian Huskies.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Siberian Husky
- $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.