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Top 9 Pet Insurance Plans For Samoyeds (2022)

Written by: Kelli Brinegar
For more than five years, Kelli Brinegar has been using her ability to write and her passion for research to tell the tale of what cats are thinking and why. She has provided care to more than 30 cats in her lifetime.Read more
| Published on June 8, 2022
iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.

What’s snowy white, fluffy like a cloud, and a doggy lovebug all the way through? That’s right; it’s your Samoyed! In a long-ago age, these smiley dogs ran the harsh and freezing Siberian tundra, hauling sleds and guarding the nomads who piloted them. Now, these beautiful working dogs have become pampered floofs who love their families. And when one of these impish angel dogs rules your heart, you’ll do anything and everything to keep your smiley dog happy and healthy!

And part of that ‘anything and everything’ is annual checkups with the vet to keep your pup fit and healthy. But no matter how diligent of a dog parent you are, illness and injury can still happen. Samoyeds are prone to diabetes, hip dysplasia, bloat, hypothyroidism, and eye problems. Treating any of these problems can get expensive, but you can be financially prepared to fend off whatever comes with pet insurance. To help you find peace of mind and the best pet insurance plan for your Samoyeds, we’ve created a free and easy-to-use comparison tool to simplify the insurance quest.

Compare The Top 9 Pet Insurance Plans for Your Samoyed Using our Free No-Obligation Quote Tool below

The simplest way to compare pet insurance prices is to use our tool below. The comparison tool will show you quotes from the top 9 pet insurance carriers, including Trupanion, Pets Best, Lemonade, ManyPets, FIGO, HealthyPaws, Prudent Pet, Spot, and Embrace pet insurance.

How Much Does Pet Insurance for a Samoyed Cost?

Below are some sample pet insurance plans for a 1-year-old male Samoyed using the zip code 75001 (Texas) as an example.

Ultimately, your plan’s premium will depend on several factors, including your dog’s age, size, and breed, as well as where you live. You also want to know what type of coverage your plan has and if it will help with Samoyed-specific health problems. Let’s get more into those medical conditions and how much you can expect to pay to treat them.

pet insurance for Samoyeds

Common Health Problems Associated With Samoyeds

Obesity and Diabetes

While being chubby itself won’t put your dog in the vet’s office, complications of obesity, like diabetes, heart disease, and joint problems, can. And due to genetics and weight gain tendencies, Samoyeds run a higher risk for diabetes than other breeds. But keeping your Sammy trim with diet and exercise could help keep diabetes at bay. If your dog is showing any symptoms of diabetes, make an appointment with the vet as untreated diabetes can lead to poor life quality and eventually death.

Hip Dysplasia

Hip dysplasia occurs when the ball-and-socket joint in a dog’s hip doesn’t form correctly, leaving the joint to dislocate or the femur head to sit wrong in the socket. The issue could eventually lead to pain, decreased mobility, and arthritis. Once diagnosed, your smiley dog will require lifelong care and management by a veterinarian to ensure your pup keeps walking without discomfort.

RELATED: What You Need To Know About Hip Dysplasia


The Samoyed is a larger dog with a deep chest and a trim waist, making the breed more susceptible to Gastric dilatation-volvulus. Known more commonly as “bloat,” Gastric dilatation-volvulus happens when food, gas, and liquid painfully distend a dog’s belly and then twist the stomach. This twisting traps the stomach contents and compresses the abdomen’s blood vessels. Gastric dilatation-volvulus is a life-threatening situation for dogs and must be treated immediately.


Hypothyroidism is another common health problem in Samoyeds and occurs when the thyroid doesn’t produce enough hormones to regulate metabolism. This condition often presents with fatigue, weight gain, coat problems, and flaky skin. Once diagnosed, Sammys will need lifelong veterinary management as there is currently no cure for hypothyroidism in dogs. Left untreated, your dog’s entire quality of life will decline. 

Eye Problems

Eye problems plague many dog breeds, but the Samoyed experiences more than their fair share. And without proper treatment, these eye diseases and conditions could lead to permanent damage and blindness. Some of the common eye problems in Sams are:

  • Glaucoma – Dogs with glaucoma experience discomfort and even pain due to the fluid increase in the eyeball. The pressure from rising fluid levels can also cause damage to the optic nerve and retina.
  • Cataracts – From juvenile cataracts to “blue dot” cataracts, Sams runs a higher risk of developing this lens clouding issue that leads to eventual blindness.
  • Distichiasis – This abnormal growth of eyelashes from eye ducts can cause errant lashes to poke and scratch the eye, leading to irritation or even ulcers depending on severity.
  • Progressive Retinal Atrophy (PRA) – Actually a group of diseases, PRA destroys the eye’s retina and begins with night blindness before progressing to total vision loss over time.

Typical Costs Of Treating Health Issues In Samoyeds and How Pet Insurance Can Help

Taking your dog to the vet for annual visits is a bill you expect. But when the vet discovers a problem or emergency strikes, medical bills can stack up fast. With the right pet insurance plan for your Samoyed, you’ll be financially ready to deal with any bills, leaving you to concentrate on your best friend’s recovery.

Take a look at what it costs to treat the Samoyed health problems mentioned above:

  • Diabetes Treatment Costs: If your Sam develops an obesity complication like diabetes, your pup might need insulin injections. The average cost of an insulin prescription for a large dog can range from $900 to almost $1,800 per year. But with the extensive array of choices in pet insurance plans for your Samoyed, you can find one that helps cover the cost of prescriptions, allowing you to save on that all-important insulin.
  • Hip Dysplasia Costs: Severe cases of hip dysplasia could require expensive surgery with costs ranging between $2,000 – $7,000. And even if your Samoyed doesn’t need surgery, treatment could involve oral medications, injections, and even physical therapy, which can create bills of $500 or more yearly. Treating hip dysplasia can wear away at your wallet, but having pet insurance before diagnosis offers financial protection against the high costs of orthopedic problems in dogs by helping with vet bills and prescription medications.
  • Bloat Costs: The only way to correct GDV is an emergency surgery in which the stomach is corrected and tacked to the abdominal wall. The estimated surgery costs to repair GDV average between $2,000 and $5,000, but complications could inflate bills further. And Sams who experience bloat run a higher risk of having it happen again. But with the right pet insurance plan for your Samoyed, you’ll be saved from the sudden and staggering bills bloat can create and never be forced to make heartbreaking choices because you can’t afford care.
  • Hypothyroidism Costs: Hypothyroidism is typically treated with medication and monitoring. Depending on the severity of the issue, you’re looking at $20 – $50 a month to fill your Samoyed’s script. That might not sound like much to start, but month after month, year after year, prescriptions for hypothyroidism can add up over time. Getting an insurance plan that offers drug coverage or discounts before your dog develops hypothyroidism can help offset costs for this lifelong issue.
  • Eye Problems Costs: With all the eye problems in Samoyeds, those smiling eyes can get expensive. Glaucoma can be treated with medications, but your dog will need surgery to reduce the fluid when it reaches a certain point. Glaucoma surgery averages $1,500. Surgery for cataracts isn’t cheap either, costing somewhere between $3,000 and $4,000. The average cost for eye surgeries to fix distichiasis can range from $400 to $2,000. While there is no treatment for Progressive Retinal Atrophy, diagnosing PRA involves an electroretinogram (ERG), a test that measures the electrical impulses of the eye. The average cost of an ERG is $400. The final price of eye surgery or diagnostic tests will depend on the severity of your Sam’s eye issues and your location. But, one thing is sure, having pet insurance for your Samoyed before an eye problem occurs is a smart foresight that will protect your finances from high vet bills.

What Is Pet Health Insurance, And Why Do I Need It For My Samoyed?

Pet health insurance works very similarly to human health insurance. Your policy quote will range in monthly price, depending on your dog’s breed, age, and where you live. Typically, you’ll spend around $15-$77 per month as a pet parent.

Pet insurance is mainly about peace of mind, knowing you won’t be totally overwhelmed in case of an emergency. Enrolling even when your dog is young and healthy will ensure you have plenty of coverage when they need expensive medical care later. If you choose a plan more suited to your dog’s particular breed, you’ll be more prepared when something happens later on in their life.

pet insurance for Samoyeds

Some plans cover accidents and illnesses, while others only cover accidents. Certain plans do cover breed-specific illnesses, and others do not. It all depends on what type of coverage you choose. With our free pet insurance comparison tool, you can get quotes from multiple insurance companies with no obligation to commit.

Whatever plan you choose, you’ll feel better knowing you can take care of your dog when they need you most. Plus, you won’t have to suddenly shell out thousands of dollars. Learn more about how pet insurance works here.

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