Basset Hound insurance in Colorado: cost and what to look for
Long back and long ears: disc disease and ear infections are the claims to expect.
- $47–$79/mo est.Typical monthly premium in Colorado (2 yrs, 80%, $250 deductible)
- $720/yr est.Estimated yearly cost at the midpoint
- 5Breed-linked conditions to check coverage for
Which insurer fits a Basset Hound? See our top picks by priority →
Insurers for a Basset Hound in Colorado
Estimated monthly price for a 2-year-old at 80% reimbursement and a $250 deductible. These are BreedSure estimates, not quotes from the insurers; each insurer sets its own price.
Odie
Lowest est.14-day illness wait Limits $10,000 or $40,000 Exam fees extra Deductibles $250 or $500
$53/mo est.Plan details for OdieLemonade
14-day illness wait Limits $5,000 to $100,000 Exam fees extra Deductibles $100 / $250 / $500 / $750
$55/mo est.Plan details for LemonadePets Best
14-day illness wait Limits $5,000 to unlimited Exam fees included Deductibles $100 to $1,000
$57/mo est.Plan details for Pets BestEmbrace
14-day illness wait Limits $2,000 to unlimited Exam fees extra Deductibles $200 to $1,000
$60/mo est.Plan details for EmbraceSpot
14-day illness wait Limits $2,500 to unlimited Exam fees included Deductibles $100 to $1,000
$61/mo est.Plan details for Spot
Show 3 more insurersShow fewer insurers
Fetch
15-day illness wait Limits $5,000 to $15,000 Exam fees included Deductibles $250 to $2,500
$63/mo est.Plan details for FetchHealthy Paws
15-day illness wait Limits $5,000, $7,000 or unlimited Exam fees extra Deductibles $100 to $1,000
$66/mo est.Plan details for Healthy PawsTrupanion
30-day illness wait Limits Unlimited Exam fees extra Deductibles $0 to $1,000 per condition
$75/mo est.Plan details for Trupanion
Estimates updated Sep 2026 · How we estimate
Waiting period. How long after the policy starts before accidents, and then illnesses, are covered. Anything that begins during the wait is excluded. More in the glossaryAnnual limit. The most the policy pays in one policy year. "Unlimited" means there is no yearly cap. More in the glossaryExam fees. The vet's charge for the visit itself, usually $50 to $150, separate from tests and treatment. Some insurers include it; others sell it as an add-on. More in the glossaryDeductible. What you pay yourself before the insurer starts paying. Most reset every policy year; some insurers charge it once per condition. More in the glossaryWhat Basset Hound owners claim for
- Intervertebral disc disease (IVDD)[1]very commonSpinal disc herniation, common in long-backed breeds; may require emergency neurosurgery.$2,000–$12,000[2]
- $150–$800[4]
- $2,000–$7,500[6]
- Eye conditions (cataracts, PRA, cherry eye)[7]commonHereditary eye problems; cataract surgery is the expensive end.$300–$6,700[8][9]
- Elbow dysplasia[10]occasionalDevelopmental elbow joint disease common in large breeds, often needs arthroscopic surgery.$1,500–$4,000[11]
What a Basset Hound costs to insure by age in Colorado
Insured as a puppy, a Basset Hound costs about 44% less per month than one enrolled at 8 (modeled). Conditions diagnosed before enrollment are excluded as pre-existing.
Low, typical and high estimates by age
| Age | Low | Typical | High |
|---|---|---|---|
| Puppy (under 1) | $42/mo est. | $54/mo est. | $71/mo est. |
| 2 years | $47/mo est. | $60/mo est. | $79/mo est. |
| 5 years | $57/mo est. | $73/mo est. | $94/mo est. |
| 8 years | $75/mo est. | $97/mo est. | $126/mo est. |
| 11 years | $104/mo est. | $133/mo est. | $173/mo est. |
Pet insurance in Colorado
Colorado Division of Insurance (DORA) handles insurance complaints and consumer questions in Colorado, including about pet insurance.
The average routine vet visit for a dog in Colorado costs about $72.
Source: CareCredit
Colorado State University's College of Veterinary Medicine and Biomedical Sciences is AVMA-accredited and operates the CSU Veterinary Teaching Hospital, a major referral center offering emergency and specialty veterinary care.
Source: Colorado State University College of Veterinary Medicine and Biomedical Sciences
Basset Hound insurance in other states
Questions people ask about insuring a Basset Hound
How much does pet insurance cost for a Basset Hound?
About $47 to $79 a month in Colorado for a 2-year-old at 80% reimbursement and a $250 deductible, in our model. Older dogs, lower deductibles and higher reimbursement cost more; each insurer sets its own price. How we estimate.
Does pet insurance cover Basset Hound health problems like intervertebral disc disease?
Yes, as long as they are not pre-existing. Accident-and-illness plans cover hereditary and congenital conditions, including the ones Basset Hounds are known for: intervertebral disc disease, chronic ear infections and bloat. All 8 insurers we compare cover hereditary conditions.
At what age should I insure a Basset Hound?
As young as you can. A puppy has no pre-existing conditions yet, and premiums rise with age: in our model about $60 a month at 2 years and $97 at 8. When to insure, by age.
Is pet insurance worth it for a Basset Hound?
For breeds with known expensive conditions, it usually is if you enroll young and keep the policy. One intervertebral disc disease bill can run $2,000 to $12,000, several years of premiums. The full math.
Why is the estimate different in Colorado?
Our model scales premiums by a state index built from each state's published average dog insurance premium. Insurers set their own prices, so this is an estimate, not a quote.
Questions owners of Basset Hounds ask
Sources
- How Long and Low Can You Go? Effect of Conformation on the Risk of Thoracolumbar Intervertebral Disc Extrusion in Domestic Dogs. PLOS One, 2013.
- 11 Most Expensive Dog Health Problems. MetLife Pet Insurance, 2025.
- Frequency and predisposing factors for canine otitis externa in the UK - a primary veterinary care epidemiological view (VetCompass). Canine Medicine and Genetics (full text via Europe PMC), 2021.
- Does Pet Insurance Cover Ear Infections?. Embrace Pet Insurance.
- Bloat: Gastric Dilatation and Volvulus in Dogs. VCA Animal Hospitals.
- Bloat in Dogs: What Pet Parents Need to Know. MetLife Pet Insurance.
- Glaucoma in Dogs. VCA Animal Hospitals.
- Cherry Eye. Embrace Pet Insurance, 2024.
- Cataracts: What to Expect. University of Missouri Veterinary Health Center, 2025.
- Radiographic Diagnosis of Developmental Orthopedic Disease of the Canine Elbow. Today's Veterinary Practice, 2023.
- Elbow Dysplasia. Embrace Pet Insurance, 2021.
How we choose and check sources: Sources we use.
Get an estimate alert for your breed
We update our estimates monthly. We will email you when the estimate for your dog changes, and nothing else.