We have to determine the meaning by context.
하고 when used immediately after a noun can have three meanings:
(1) The conjugation(활용) of the derived verb or adjective
noun + 하다.
This form indicates some sequential order in actions, or connection between two similar ideas. For example:
나는 온라인으로 지원서를 접수하고 인터넷 창을 닫았다.
I submitted the application online and closed the browser window.
그는 첫눈에 보기에 순수하고 정직했다.
He looked pure and honest at a first glance.
(2) Connecting or comparing two or more nouns, similar to
This is similar to the conjunction
and in English. However sometimes it can also mean
서진이하고 정우가 오늘 온대.
≈ 서진이랑 정우가 오늘 온대.
I have heard that Seojin and Jeongwoo is coming today.
커피하고 차 중에 뭐가 좋아?
≈ 커피랑 차 중에 뭐가 좋아?
Which do you prefer, coffee or tea?
(3) Indicating the object you did something with. (casual)
나는 신웅이하고 저녁을 먹었다. (casual)
≈ 나는 신웅이와 저녁을 먹었다. (formal)
I had supper with Shinung.
Now we look at the sentence
여자가 동물하고 한국어로 대화합니다.
Obviously (1) doesn't make sense in that there is no such word as
(2) also doesn't make sense since there we can't have a conversation in
Hence only (3) makes sense, so we can translate the sentence into "The woman has a conversation with an animal in Korean".
Also note that as written in the comment, often
하고 can be replaced with
~와/과 when used as meanings of (2) or (3). So you can try to substitute it when you want to determine if
하고 is used in those meanings.
Actually when writing formal documents, we have to substitute
서진이랑 정우가 오늘 온대 to
서진이와 정우가 오늘 온다고 합니다.