Best Beagle Pet Insurance [2022]: Is It Worth It, Costs, Quotes & Reasons To Get It

best beagle pet insurance

Canine Bible is reader-supported. We receive affiliate commissions via some of our links. This doesn’t affect rankings. Learn more.


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 Companies For Beagles

Here are Canine Bible’s top 3 picks for the best pet insurance for Beagles

healthy paws pet insurance
Top Pick

Best Overall

embrace pet insurance
Top Pick

Curable Pre-Existing Conditions

pets best pet insurance
Top Pick

Best Value

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

  1. Healthy Paws: Best overall pet insurance for your
  2. Embrace Pet Insurance: Great for curable pre-existing conditions.
  3. Pets Best: Best value for your wallet.

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 peace of mind and protecting your savings.

How Much Does Pet Insurance Cost For Beagles?

How much does insurance cost for a Beagle? Beagles’ 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 advances in technology and an increasing number of claims in the location where you live can make your monthly payment increase. For instance, if your Beagle is quoted at $40 per month today, that price is subject to change.

We compared quotes for plans for Beagle 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), and a puppy Beagle (3 months old).


Check out this Pet Insurance Comparison table for Beagle.

Pet Insurance Quotes For Beagles

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50080%Unlimited$49.40Arizona
(zip code: 89015)
MaleBeagle5 years
Embrace$50080%$30,000$70.57Arizona
(zip code: 89015)
MaleBeagle5 years
Pets Best$50090%Unlimited$40.72Arizona
(zip code: 89015)
MaleBeagle5 years
Healthy Paws$50090%Unlimited$40.20Iowa
(zip code:50613)
FemaleBeagle1 year
Embrace$50090%$30,000$50.15Iowa
(zip code:50613)
FemaleBeagle1 year
Pet Best$50090%Unlimited$26.51Iowa
(zip code:50613)
FemaleBeagle1 year
Healthy Paws$50080%Unlimited$38.11Maryland
(zip code: 20850)
FemaleBeagle3 months
Embrace$50080%$30,000$66.48Maryland
(zip code: 20850)
FemaleBeagle3 months
Pet Best$50080%Unlimited$34.00Maryland
(zip code: 20850)
FemaleBeagle3 months

So, how much are you expected to pay for canine insurance for your Beagle?

If you get Pet Insurance for your Beagle, you can expect to pay between $26 to $71 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 October 2021.

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 were to catch a severe disease or got hurt in an accident, it could end up costing 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 3 main research-based reasons why you should consider getting pet insurance for your Beagle

1. Avoid Deciding Between Your Wallet & Your Beagle

USA Today reports that many dog owners have had to make the terrible decision to euthanize their pup because they didn’t have the money to pay for surgery or treatment.1

With pet insurance, you are to seek out medical care for your sick or injured Beagle without having to worry about financial difficulties.

On average, the most common dog treatments cost $252.75.2 While a more severe and common condition in Beagles, like elbow dysplasia, can cost $1,500 – $4,000 to diagnose and treat.

2. 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?

According to the latest survey, there are roughly 90 million dogs in the U.S., out of which 3.2% are Beagles.3,4 This gives over 2.88 million Beagles dogs in the U.S. alone. So, unfortunately, about 33% of the beagle population (1 in 3) will end up needing emergency care.

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.5

Having a good pet insurance plan will cover the majority of the vet costs as most pet insurance policies reimburse up to 80% (some go up to 90%) of total vet expenses after deductibles.

3. Common Beagle Health Issues

Don’t think your Beagle needs pet insurance?

Take a 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 is this 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, and as a result, it can affect movement. Many dogs also display multiple organ problems, including heart, skin, bones, and muscle. 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 its 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 cataracs.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 Gardern Animal Care Center, 23% of beagles develop cancer. They can be affected by different cancers such as lymphoma, osteosarcoma, and bladder cancer.

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

These are some of the most common health problems Beagle dogs are prone to develop.


ConditionRisk ProfileCost to Diagnose and Treat
Patellar LuxationMedium$1,500-$3,000
Demodectic MangeMedium$200-$1,000
IgA DeficiencyMedium$2,000-$5,000
IVDDHigh$2,500-$7,000
Beagle Pain Syndrome (Meningitis)High$1,500-$4,000
Hip DysplasiaMedium$1500-$6000
GlaucomaHigh$1400-$1800

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 a lot of 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

Why is Healthy Paws the best choice for your Beagle?

There are no caps on payouts when you file a claim under a Healthy Paws insurance plan. 

They have competitive premium prices. We ran a quote for a healthy Beagle at a $500 deductible, with 80% and 90% coverage. You can expect to pay between $38 and $49, respectively, depending on your location, pet’s age, and other factors.

Healthy paws insurance plan offers a range of benefits as they provide coverage if your Beagle in case an accident occurs. They also cover expenses of treatment of major and minor illnesses, emergency care, and hereditary health conditions.  

With Healthy Paws, you can start protecting your Beagle puppy at just 8-weeks old. You can protect them from anything from a pesky bee sting to a more severe health condition like Hip Dysplasia.

Once you have paid your maximum deductible, there are unlimited reimbursements, and they pay in as little as two days. It also has fewer coverage exclusions compared to many competitors. Healthy Paws states that they pay 99% of claims in two days.


PROS
  • 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
CONS
  • 15-day waiting period for accident and illness
  • Doesn’t cover veterinary exam fee 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

Embrace Pet Insurance Review: Great For Curable Pre-Existing Conditions

The best choice for Beagles suffering from a curable pre-existing condition is Embrace Pet Insurance.

Most pet insurance companies do not cover pre-existing conditions, but Embrace differentiates between curable and incurable pre-existing conditions. They may cover curable diseases after 12 months of symptom and are treatment-free.

From eye to dental care and accidents, Embrace covers your pup if he gets hurt unexpectedly. They can even cover expenses for treating major illnesses like cancer if diagnosed after the policy date starts. They also provide after-office hours emergency care.

Based on our research, you can expect to pay between $50 and $70 when you sign up for any of their plans, but prices may vary depending on your location, Beagle’s age, and other factors.

All the claims are handled and processed in a timely manner, no longer than two weeks. Additionally, your Beagle’s annual deductible goes down $50 each year you don’t receive an accident or illness claim reimbursement.


PROS
  • Curable pre-existing conditions eligible for coverage
  • Reimburses for preventative veterinary care, grooming, training, and more with no per-item limits payout caps under their optional Wellness Rewards* plan
  • Coverage for exam fees
  • 24/7 PawSupport Pet Health Line to speak with a pet professional
  • BBB rating is A+
  • 10% multiple pet discounts
  • Coverage when traveling outside of the U.S. with your pet
CONS
  • $25 enrollment fee
  • $1.00 monthly transaction fee
  • Requires a 2-day waiting period for accidents
  • Must call for unlimited claim option

*Wellness Rewards not available in Rhode Island.


Best Value: Pets Best Review

Pets Best offers excellent pet insurance coverage for your Beagle at the most affordable price.

To give you an estimate of your monthly premium, we ran a few quotes for a healthy Beagle at a $500 deductible and an 80% and 90% coverage. Based on our research, you can expect to pay between $26 and $40, depending on your location, pet’s age, gender, and other factors.

Beagles of any age can enroll with Pets Best since the company doesn’t have an upper age limit. Please keep in mind that rates rise as your dog gets older.

Their plans cover almost all emergencies, accidents, and diseases. Moreover, you get access to a 24/7 Pet Helpline, so you can speak with a veterinarian any time.

Claims are usually processed quickly within days, especially if you choose the direct deposit option.


PROS
  • Most affordable coverage pricing
  • BBB Rating: A+
  • 24/7 Pet Helpline to speak with a vet expert
  • Pet travel is covered in the U.S., Canada, and Puerto Rico
  • 30-day money-back guarantee
  • Routine care coverage
  • 5% multi-pet discount
  • No age limits
  • Accident and illness exam fee coverage
CONS
  • 14-day waiting period for illness and 3 days for Accident
  • Premiums increase as pet ages
  • 6-month waiting period for CCL injuries
  • Average claim repayment is longer than the competition

Average Cost of Beagle Vet Bills (Healthy Vet Visit vs Emergencies)

If you are a Beagle Pet owner, vet visit costs and emergency visit costs are something you should be mindful of.

The information provided below will give you a better idea of some expenses you might have to pay out of pocket if you don’t have pet insurance.

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

Sources: Emergency Vets USA & Rover

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. Usually, it’s less expensive to get your younger pets insured compared to adult dogs. This difference in policy rates is based on several factors based on age, breed and location, as a rule of the thumb your premium mostly is lower with puppies.
  • Covering Future Conditions. Own a breed predisposed to certain health conditions? It’s always wise to insure your pup before he or she devleops an illness or starts exhibiting symptoms. Most pet insurance provides won’t cover pre-existing conditions. However, if your puppy develops one (i.e., cancer, allergies, diabetes) when insured, your pet insurance company is responsible the cost and any future expenses.
  • Puppies Get in Trouble. Beagle puppies will eat, chew and lick pretty much anything. As a result, they can suffer from any food related allergy or bacterial/ viral infection. They might injure or hurt themselves as well.
  • Puppy Vet Bills. Being a pet owner for the first time comes with a lot of expenses. It is really costly to raise a puppy keeping in mind the rising costs of food, toys and Vet costs. It is believed that pet owners can spend up to $500 alone on vet visits in the first year. 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? There are three main types of pet insurance plans are:

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)

Wellness Plans: It’s also called “routine” or “preventative.” It covers most routine vet visits, such as vaccinations.

You can sign up for 1, 2, or all 3 of these types of coverages, but it will mostly depend on your Beagle’s needs and your finances.

Take a look at the table below to see the most common items covered by each type of pet insurance plan.


Accident CoverageIllness CoverageWellness Coverage
Broken bonesObesityFlea, tick and worm treatments
Torn ligamentsUTIsRabies
Bite woundsCancerMicrochip
PoisoningHypothyroidism
De-worming
InjuriesDigestive Issues
teeth cleaning
EmergenciesIVDD
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?

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 which pet insurance company and plan you choose.

Pro Tip: Please always READ your policy! Request the full 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 ?

The following tips can assist you in choosing the best pet insurance policy for your Beagle.

  1. Compare the coverage under each plan with your Beagle’s specific health concerns.
  2. 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).
  3. Speak with your veterinarian about your dog’s aging health concerns.
  4. Pick a plan based on the right cost and coverage benefits, not price alone.
  5. Obtain at least three quotes based on the information you provide about your Beagle’s age, health, gender, and needs.
  6. The earlier you sign your Beagle for pet insurance, typically means lower the monthly premiums 
  7. Evaluate and pick the monthly premium, deductibles, and reimbursement amount that best fits your needs.
  8. 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 that goes beyond just 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 pet 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. 


Resources & References: [1] USA today [2] Value Penguin [3] Washington Post [4] Animals 24-7 [5] Pet Health report [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


Similar Posts