Best Beagle Pet Insurance: Is It Worth It, Costs, Quotes & Reasons To Get It

best beagle pet insurance

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This is the most comprehensive guide to finding the best pet insurance for Beagles.

Whether you are a new Beagle owner or have had your pup for years, it’s essential to know about pet insurance. You never know when an accident might happen, and the best way to keep your dog healthy is by having them insured. Pet Insurance can cover emergency care costs, routine care like vaccinations, dental cleanings, and more. But is it worth it?

Today you will learn breed-specific reasons why Beagle dogs need pet insurance, accident probability, predisposition to health issues, and other key information and statistics you need to know.

We also show you our top picks for the best pet insurance providers covering adult and puppy Beagles. Let’s get started!

The Best Pet Insurance For Beagles

Here are Canine Bible’s top picks for the best pet insurance for Beagles.

You can click this link to go to the reviews, but we encourage you to keep reading to make a more educated decision about getting pet insurance for your Beagle.

What Is Pet Insurance?

Getting pet insurance for your Beagle dog is equivalent to getting health insurance for yourself. Pet Insurance is designed to reimburse dog owners for unexpected veterinary expenses and related fees, giving them peace of mind and protecting their savings.

How Much Does Pet Insurance Cost For Beagles?

Beagle’s dog insurance prices will be based on your pet’s pre-existing health conditions, gender, age, location, and other factors.

Keep in mind rising vet costs due to technological advances and an increasing number of claims in your location, which can increase your monthly payment. For instance, if your Beagle is quoted at $45 per month today, that price is subject to change.

We compared quotes for plans for Beagles with three popular pet insurance providers to help you find the best fit for you in terms of monthly premiums and coverage. We chose three beagles at different stages in their life.

  • An adult Beagle (5 years old)
  • A young Beagle (1 year old)
  • A puppy Beagle (3 months old).

Check out our Pet Insurance Comparison table for Beagles below.

Pet Insurance Quotes For Beagles

How Much Can You Expect to Pay For Beagle Canine Insurance?

If you get Pet Insurance for your Beagle, you can expect to pay between $23 to $74 per month. Depending on where you live, what deductible, and the reimbursement percentage you choose, you may spend more or less.

NOTE: The quotes we ran were for dogs with no pre-existing conditions. All quotes are from November 2022

Is Pet insurance For Beagles Worth it?

Insuring your Beagle dog is both an economic and an emotional decision based on factors such as your breed’s predisposition to health problems, financial situation and other factors. Based on our experience and research, purchasing dog insurance for Beagle is worth it.

If your dog catches a severe disease or gets hurt in an accident, it could cost you thousands of dollars at the vet. When under pet insurance coverage, if an unexpected accident or illness strikes, you’ll be reimbursed 70% to 90% of the vet bill (depending on your plan).

It’s always better to invest in pet insurance for peace of mind and avoid hurting your finances while ensuring your pet receives the best medical treatment.

Please don’t take our word for it. Here are three main research-based reasons to consider getting pet insurance for your Beagle.

1. Avoid Deciding Between Your Wallet And Your Beagle

USA Today reports that many dog owners have made the terrible decision to euthanize their pups because they didn’t have the money to pay for surgery or treatment.[1]

Pet insurance allows you to seek medical care for your sick or injured Beagles without worrying about hurting your finances.

On average, the most common dog treatments cost $252.75, while a more severe and common condition in Beagles, like Beagle Pain Syndrome (Meningitis), can cost between $1,500 – $4,000 to diagnose and treat.[2]

2. Pet Insurance For Beagle Accidents

According to a survey conducted by the American Pet Products Association, nearly 70% of households in the U.S. own a pet, and it’s estimated that 1 in 3 will need emergency veterinary treatment every year. So, how does that translate to Beagle numbers?

A recent survey found that roughly 90 million dogs live in the United States.[3] So, unfortunately, 33% (1 in 3) of Beagles may need emergency care this year. This could lead to massive vet bills. In fact, the average cost of unexpected veterinary care for dogs is between $250 to $8,000, says Healthy Paws in a recent report.[4] Sadly, only 61 percent of Americans cannot cover a $1,000 emergency.[5]

3. Common Health Issues For Beagle

Don’t think your Beagle needs pet insurance?

Look at the health statistics below for this breed and learn how susceptible Beagles are to certain health conditions. You may change your mind about pet insurance.

Beagles can be prone to multiple health conditions. Beagles are Chondrodystrophoid dog breeds, meaning (dwarfed) breeds of dogs whose normal cartilage development has been altered genetically for the purpose of a short, stout appearance.[6]

Unfortunately, chondrodystrophy leads to the premature degeneration of intervertebral discs leading to susceptibility to IVDD (Intervertebral disc disease and herniation.[7] Chondrodystrophoid dog breeds account for the vast majority of all disc ruptures, according to the American College of Veterinary Surgeons.[8] IVDD is an age-related disease that affects the spinal cord and can go undetected without proper yearly visits, and can be fatal if not detected early.[9]  IVDD symptoms range from mild pain to paralysis. 

Another major joint and bone disease that this breed is predisposed to is Patellar luxation, states the AKC. Patellar luxation affects the knees, can occur partly due to sudden injury to the knee or could be a developmental issue.

One of the largest inherited diseases in Beagles is a genetic health condition known as Musladin-Lueke Syndrome (MLS). MLS can be identified in puppies as young as two weeks. This congenital disease affects the development and structure of connective tissue, causing stiff, contracted joints, which can affect movement. Many dogs also display multiple organ problems, including heart, skin, bones, and muscles. It can affect their toes and even cause seizures in some puppies.[10],[11]

Some Beagles can develop a liver disorder called Copper Hepatopathy.[12] This disease causes toxic levels of copper to build up in your dog’s liver, leading to failure if not treated early.

Beagles can also develop glaucoma, an eye-related illness that causes a buildup of fluid in the eyes and can be very painful and result in blindness. Open-angle glaucoma is the only type of primary glaucoma reported in Beagles.[13] According to PetMD, Beagles can also develop other eye disorders such as progressive renal atrophy, cherry eye, distichiasis and cataracts.[14]

Other issues to watch out for include hip dysplasia (deformity of bones and joints), hypothyroidism (low concentrations of thyroid hormones), epilepsy, diabetes, and Cushing’s disease.

According to Garden Animal Care Center, 23% of beagles develop cancer. They can be affected by different cancers, such as lymphoma, osteosarcoma, and bladder cancer.

Lastly, BBeagle’s ears should be checked weekly as their long and floppy ears make them more likely to get ear infections.

The following table shows the most common health conditions Beagle will likely develop.

We also include the level of risk (susceptibility to each health condition) and how much you are expected to pay.

ConditionRisk ProfileCost to Diagnose and Treat
Patellar LuxationMedium$1,500-$3,000
Demodectic MangeMedium$200-$1,000
IgA DeficiencyMedium$2,000-$5,000
Beagle Pain Syndrome (Meningitis)High$1,500-$4,000
Hip DysplasiaMedium$1500-$6000

Data Source: Embrace Pet Insurance

Other Reasons To Get Dog Insurance For Your Beagles

  • Delivers peace of mind
  • Can cover your pet’s hereditary condition
  • Avoid veterinary rising cost
  • Can help you find your missing/stolen pet
  • Can cover third-party liabilities
  • Helps you save money

Pro Tip: If you know your dog breed is prone to develop certain health issues, we highly recommend getting a pet insurance policy when your dog is still healthy. If your dog does develop chronic conditions down the road, you’re guaranteed reimbursement for these issues throughout your dog’s life.

Pet Insurance for your Beagle can spare you financial trouble. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Beagle’s life.

Best Pet Insurance For Beagles

Here are Canine Bible’s top picks for the best pet insurance for Beagles.

We’ve reviewed each company based on specific breed needs, customer reviews, affordability, and other factors to help you choose the right company and coverage for your Beagle.

Best Overall — Healthy Paws

Our rating: 4.8

We named Healthy Paws our best overall pet insurance for your Beagle for its comprehensive coverage, pricing, availability, and customer service. There are no caps on payouts when you file a claim under a Healthy Paws insurance plan. A Healthy Paws insurance plan may cover accidents, illnesses, cancer, emergency care, genetic conditions, and alternative care.

They have competitive premium prices. We ran a quote for a healthy Beagle at a $500 deductible with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $33 and $45.

With Healthy Paws, you can start protecting your Beagle at 8 weeks old. You can protect them from anything like a pesky bee sting to parvo.

Once you pay your deductible, there is no limit on the amount your policy can reimburse you. It also has fewer coverage exclusions compared to many competitors. Healthy Paws states that they pay 99% of claims in two days.


  • You can submit your claim online or via their app
  • Pet are eligible for coverage when they travel with you in the U.S. or Canada (up to 3 months)
  • BBB Rating: A+
  • Great email response time
  • Direct deposit or check reimbursement
  • No limit to how many claims you can make


  • 15-day waiting period for accident and illness
  • Doesn’t cover veterinary exam fees and behavioral therapies
  • No wellness plan
  • There is a one-time enrollment fee of $25
  • Can’t enroll pets over 4 years old in NY

Best Value — Lemonade Pet Insurance

Our rating: 4.7

Lemonade offers excellent pet insurance coverage for your Beagle at the most affordable price. While your monthly premium cost will vary by location, pet’s age, gender, and other factors, Lemonade premiums usually start at just $10 a month, the lowest in the industry.

To estimate your monthly premium, we ran a few quotes for a healthy Beagle at a $500 deductible and 70%, 80%, and 90% coverage. Based on our research, you can expect to pay between $23 and $35.

We love that Lemonade is tech-forward, making it easy to manage your policy and file claims through an app. Their plans cover accidents and illnesses, including injuries, poisonings, broken bones, sprains, infections, general sicknesses, cancer, heart disease, hip dysplasia, hernias, skin conditions and more.

They also offer several add-ons to help pet owners pay for exam fees, physical therapy, and preventive care costs.


  • Coverage starts at $5 per month
  • Provides a mobile app and website chat function
  • Giveback program donates unused policy money to charities
  • Waiting period of 2 days for accidents, which is shorter than many competitors
  • Preventive care treatments for puppies and kittens under 2 years old
  • 10% discount for bundling your policy with Lemonade home insurance or renters insurance


  • Doesn’t offer coverage for pets over 14 years old

Most Customizable Plans — Spot Insurance

Our rating: 4.7

Spot Pet Insurance is ideal for Beagle dog owners who want a variety of ways to customize their policy. Spot offers seven annual limit options, three reimbursement levels, and five annual deductibles. They offer the lowest deductible in the industry ($100), meaning that when your Beagle gets sick, you pay less upfront before your plan starts paying. With so many customization options, this company it’s our top pick for finding a plan for meeting your specific financial needs and those of your pet.

Spot’s policies also cover some items, such as exam fees and microchipping, that many other pet insurance providers don’t offer. They also have one of the cheapest plans for accident-only coverage, making it perfect for pet owners who only need minimal coverage.

If you sign up with Spot Pet Insurance, based on our research, you can expect to pay between $52 and $74, but prices may vary depending on your location, your Beagle’s age, and other factors.

Spot covers you when your Beagle gets hurt unexpectedly from tooth extractions to torn ligaments. They can also cover Beagle Pain Syndrome (Meningitis) treatment, which Beagles are prone to, as long as they were diagnosed after coverage.


  • Low $100 deductible is available
  • Has seven options for coverage limits
  • Multipet discount of 10%
  • Two optional wellness plans are available
  • Has a 24/7 pet telehealth line


  • The waiting period for accident coverage is 14 days
  • Does not cover prescription pet food
  • Limited knee and ligament coverage (bilateral condition policies)

Great For Pre-Existing Conditions

If your Beagle suffers from a curable pre-existing condition Embrace Pet Insurance is your best choice! Most pet insurance companies do not cover pre-existing conditions, but Embrace distinguishes between curable and incurable pre-existing conditions. They can cover curable conditions after 12 months of symptoms and are treatment-free.

Beagle Average Vet Bill Cost (Healthy Vet Visits vs Emergencies)

Are you wondering how much you would have to pay out of pocket for regular vet visits and emergencies? Here is a breakdown of the average price for both.

If you don’t have insurance, you will likely pay similar amounts for either visit.

Healthy Vet Visits

  • Puppy vaccinations: $75-100
  • Flea & tick prevention: $40-200
  • Heartworm prevention: $24-120
  • Spay or neuter surgery: $200-800
  • Annual exam: $240-600
  • Teeth cleaning: $200-500
  • Microchip: $40

Emergency Vet Visits

  • General consultation/exam: $100-$150
  • General bloodwork: $80-200
  • X-rays: $150-$250
  • Ultrasound: $300-$600
  • 1-2 day hospitalization: $600-$1,700
  • 3-5 day hospitalization: $1,500-$3,500
  • Wound treatment & repair: $800-$1,500
  • Emergency surgery: $800-$2,500
  • Oxygen therapy: $500

Pet Insurance For Beagle Puppy

Should you get pet insurance for your Beagle puppy? Here are the top reasons you should consider Beagle puppy insurance.

  • Lower Premiums. Younger pets are cheaper to insure than their older counterparts. Because pet insurance rates are based on age, breed and location, your premium is lower with puppies.
  • Covering Future Conditions. If you know your dog breed is predisposed to certain health issues, it’s best to insure your puppy before he shows any symptoms or is diagnosed with an illness or issue. Most pet insurance providers won’t cover pre-existing conditions. However, if your puppy develops one (i.e., cancer, allergies, diabetes) when insured, your pet insurance company will cover the cost and any future expenses.
  • Puppies Get In Trouble. Beagle puppies eat, chew, and lick almost anything. They are more prone to suffer from accidents and bacteria and virus infections.
  • Puppy Vet Bills. When you get a puppy for the first time, there are a lot of expenses associated with raising a puppy — from toys and food to vet-related costs. In fact, 81% of pet parents spend up to $500 on vet visits in the first year of having a puppy. While the upfront costs for first-year pet ownership typically cost over $1,000, says the ASPCA.

Types of Pet Insurance Coverage

What does pet insurance cover? It depends on your plan. There are two main types of pet insurance plans.

  • Accident Plans: Covers accident-related medical care such as ingestion of foreign objects, poisoning, or if your Beagle was hit by a car.
  • Illness Plans: Coves unexpected sickness, disease, and any changes to your dog’s normal healthy state (i.e., allergies and cancer)

You can sign up for 1 or 2 (or both), but this will mostly depend on your Beagle’s needs and finances. Most pet insurance companies nowadays offer a single plan that includes accidents and illness.

In addition to that, pet insurance providers also offer wellness plans, also known as “routine” or “preventative.” care plans. It covers most routine vet visits, such as vaccinations. A wellness plan is not pet insurance.

The Most Common Items Covered Per Type of Pet Insurance

Accident CoverageIllness CoverageWellness Coverage
Broken bonesObesityFlea, tick and worm treatments
Torn ligamentsUTIsRabies
Bite woundsCancerMicrochip
InjuriesDigestive Issues
teeth cleaning
Routine testing
Eye InjuriesVomiting and diarrheaAnnual exams
Snake BiteArthritisSpay and neuter
Toxin food ingestionParasitesUrinalysis (ERD)

*i. Not all pet insurance companies offer wellness plans. ii. Coverage items will depend and vary depending on the company and plan you choose.

What Does Pet Insurance Not Cover?

Pet insurance doesn’t cover it all!

When buying Pet Insurance for your Beagle, you’ll need to carefully review the different plans to see what isn’t covered.

Most pet insurance policies exclude the following:

  • Grooming
  • Pre-existing conditions
  • Unrelated veterinary services
  • Behavioral training, therapy, or treatment 
  • Breeding and pregnancy
  • Dog food or dietary or nutritional supplements
  • Boarding and transportation

This exclusion will vary depending on your pet insurance company and plan.

Tip: Please always read your policy! Request the complete list of exclusions before getting pet insurance. This will ensure your Beagle is fully covered by the plan you pick and help you avoid running into surprises down the road.

How Do I Pick The Right Dog Insurance For My Beagle?

Here are eight tips to help you choose the best pet insurance policy for your Beagle.

  • Compare the coverage under each plan with your Beagle’s specific health concerns.
  • Research what illnesses are prevalent in your dog’s breed and pick your plan accordingly (Use our table above for the most common Beagle health issues).
  • Speak with your veterinarian about your dog’s aging health concerns.
  • Pick a plan based on the right cost and coverage benefits, not price alone.
  • Obtain at least three quotes based on the information you provide about your Beagle’s age, health, gender, and needs.
  • The earlier you sign your Beagle for pet insurance, typically means lower the monthly premiums.
  •  Evaluate and pick the monthly premium, deductibles, and reimbursement amount that best fits your needs.
  • Narrow down your choices with our recommended top 3 providers.

Should I Get Beagle Pet Insurance?

Dogs are family members, and they deserve to be treated as such.

Beagle pet insurance is worth it for any dog owner who wants to protect their four-legged companion with financial security beyond food and shelter. You don’t want your furry friend turning into an expensive burden after all! The peace of mind you get from knowing that you’re covered financially might make up for the monthly cost if anything happens to them.

Whether you have one or multiple pets, it’s the best way to access medical care whenever required without worrying about expenses. Before purchasing pet insurance, always read the policy carefully and understand the terms and conditions. 

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Canine Bible uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.

[1] USA Today [2] Value Penguin [3] Washington Post [4] Healthy Paws Report [5] CNBC [6] AKCCHF, [7] UC Davis [8] ACVS, [9] CVSM, [10] Paw Print Genetics, [11] UC Davis: MLS, [12] Hepactic Copper, [13] PubMed, [14] PetMD, [15] GACC

Editorial Team at Canine Bible | + posts

Canine Bible authorship represents the unified voice of our entire editorial team and our in-house veterinarians rather than a single author. Each article, blog post, and review published under the Canine Bible name undergoes a rigorous review process, involving all team members to guarantee accuracy and up-to-date in accordance with the latest veterinarian research. This collaborative effort is an integral part of our editorial process and aligns with our four pillars of content creation. This approach ensures our content is backed by expert knowledge and factual information, offering our readers reliable, actionable, and trustworthy content.

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