Pet Insurance For Dachshunds: Cost, Quotes, Best Providers & FAQs

Pet Insurance For Dachshunds

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

Dachshunds are cute, but they can also be prone to back problems and other health issues. Not to mention accidents, which always happen. That’s why it’s essential to consider getting a pet insurance policy in place if something goes wrong, so your finances and dog’s safety are covered. But, do you truly need a plan?

This blog post will discuss pet insurance for Dachshunds and what you need to know before buying coverage, including breed-specific stats that may change your mind about getting your Dachshunds insured.

We’ll also provide quotes from the best providers in the industry so that you can find the right plan for your furry friend.

Read on and learn everything you need to know about pet insurance for Dachshunds! Let’s dive right in!

The Best Pet Insurance Companies For Dachshunds

Here are Canine Bible’s top 3 recommendations for pet insurance for your Dachshund.

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 to make a more informed decision about getting pet insurance for your Dachshund.

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

What Is Pet Insurance?

Pet insurance for Dachshunds is no different from health insurance for humans. Pet insurance aims 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 Dachshunds?

How much does insurance cost for a Dachshund? The cost of dog insurance for your Dachshund varies depending on your dog’s 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 Dachshund is quoted at $40 per month today, that price is subject to change.

We compared quotes for plans for Dachshunds 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 Dachshunds at different stages in their life. An adult Dachshund (5 years old), a young Dachshund (1-year-old), and a puppy Dachshund (3 months old).

Check out this Pet Insurance Comparison table for Dachshunds.

Pet Insurance Quotes For Dachshunds

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50080%Unlimited$51.36Omaha
(zip code: 68101)
MaleDachshunds5 years
(zip code: 68101)
MaleDachshunds5 years
Pets Best$50080%Unlimited$25.84Omaha
(zip code: 68101)
MaleDachshunds5 years
Healthy Paws$50070%Unlimited$28.40Las Vegas
(zip code: 89104)
FemaleDachshunds1 year
Embrace$50070%$30,000$57.42Las Vegas
(zip code: 89104)
FemaleDachshunds1 year
Pets Best$50070%Unlimited$21.31Las Vegas
(zip code: 89104)
FemaleDachshunds1 year
Healthy Paws$50090%Unlimited$41.77Charlotte NC
(zip code: 28201)
FemaleDachshunds3 months
Embrace$50090%$30,000$55.93Charlotte NC
(zip code: 28201)
FemaleDachshunds3 months
Pets Best$50090%Unlimited$22.37Charlotte NC
(zip code: 28201)
FemaleDachshunds3 months

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

If you get Pet Insurance for your Dachshund, you can expect to pay between $21 to $57 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 February 2022.

Is Pet insurance For Dachshunds Worth it?

If you want to keep your dog and your wallet safe, Dachshund pet insurance is a smart choice.

In an unfortunate event, you may have to spend a great deal of money on your pet’s emergency vet visit, but if you get Dachshunds insurance, depending on your plan, 70% to 90% of the vet bill will be reimbursed.

Here are three main reasons why you should consider getting pet insurance for your Dachshund.

1. Avoid Deciding Between Your Wallet & Your Dachshund

It has been reported by USA Today that many dog owners have had to euthanize their pups because they couldn’t afford medical treatment or surgery.1

In the event that your Dachshund becomes ill or injured, you shouldn’t have to fret about the cost of medical treatment with pet insurance.

On average, the most common dog treatments cost $252.75.2 While a more severe and common condition in Dachshunds, like Cushing’s disease, can cost ($3,000 – $10,000) 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 Dachshunds numbers?

According to the latest survey, there are roughly 90 million dogs in the U.S.3 So, unfortunately, 33% (1 in 3) of the Dachshunds population 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

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 Health Issues For Dachshunds

Still not sure you need Pet Insurance for your Dachshund?

The following table shows Dachshunds’ most common health conditions likely to develop. We also include the level of risk (susceptibility to each health condition) and how much you are expected to pay.

ConditionRiskCost to Diagnose and Treat
Patellar LuxationMedium$1,500-$3,000
Corneal DystrophyHigh$300-$3,000
Gastric Dilatation Volvulus (Bloat)Medium$1,500-$7,500
Cushing's DiseaseHigh$3,000-$10,000
Dental IssuesMedium$300-$700
Cardiac DisordersHigh$500-$1100
Liver DiseaseHighSurgery or medication $400-$3000
Skin DiseaseLow$500-$2500
Ear infectionsMedium$100-$250

Data Source: Embrace, Canna-pet, and Wagwalking.

Other Reasons To Get Dog Insurance For Your Dachshund

  • 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 Dachshund can spare you a lot of financial trouble. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Dachshund’s life.

Best Pet Insurance For Dachshunds

The following companies are Canine Bible’s picks for the best pet insurance for Dachshunds.

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 Dachshund.

Best Overall: Healthy Paws

Why is Healthy Paws a good choice for your Dachshund?

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 Dachshund at a $500 deductible, with 70%-90% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $28 and $51.

With Healthy Paws, you can start protecting your Dachshund at just 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 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

If your Dachshund 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 symptom and are treatment-free.

Based on our research, if you sign up with Embrace, you can expect to pay between $46 and $57, but prices may vary depending on your location, Dachshund’s age, and other factors.

From tooth extractions to torn ligaments, Embrace has you covered when your Dachshund gets hurt unexpectedly. They can also cover Patellar Luxation treatment, which Dachshunds are prone to, as long as they were diagnosed after coverage.

Claims are addressed fairly quickly (averages 10 to 15 business days), and centers for after-hour treatment are included in emergency care coverage. 

Also, your Dachshund’s annual deductible goes down $50 each year you don’t receive an accident or illness claim reimbursement.

  • 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
  • $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 great pet insurance coverage for your Dachshund, but that’s also affordable.

To give you an estimate of your monthly premium, we ran a few quotes for a healthy Dachshund at a $500 deductible and a 70%, 80% and 90% coverage. Based on our research, you can expect to pay between $22 and $26, depending on your location, pet’s age, gender, and other factors.

This company has no upper age limit so that you can enroll your aging Dachshund in a plan no matter their age. Keep in mind that rates go up depending on your pet’s age.

Their plans cover emergencies, cancer, illnesses, and other situations your senior dog may encounter. It even includes access to a 24/7 Pet Helpline so you can speak with a veterinarian any time.

It typically has a reasonable claim repayment time of 2 days if you have a direct deposit. If you don’t, it will take between 5-7 days.

  • 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
  • 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 Dachshunds Vet Bills (Healthy Vet Visit vs Emergencies)

If it is an emergency visit or a healthy visit, vet visits differ considerably in cost. With or without a pet insurance Dachshund, you can expect to pay the following amount for either type of 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

Sources: Emergency Vets USA & Rover

Pet Insurance For Dachshunds Puppy

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

  • Lower Premiums. The cost of insuring younger pets is lower than that of older ones. Due to the fact that pet insurance rates are based on age, breed, and location, puppies will have a lower premium.
  • Covering Future Conditions. The best time to insure your puppy is before he or she shows any signs of illness or is diagnosed. If you know that your dog breed is inherently prone to certain health issues, you’ll want to do it sooner rather than later. Most pet insurance provides won’t cover pre-existing conditions. However, if your puppy develops one (i.e. cancer, allergies, diabetis) when insured, your pet insurance company will cover the cost and any future expenses.
  • Puppies Get In Trouble. Almost anything is edible, chewable, and licked by German Shorthaired Pointer puppies. This makes them more prone to accidents and bacterial and viral infections.
  • Puppy Vet Bills. When you get a puppy for the first time, there are a lot of expenses associated with rasing a puppy. From toys, food to vet-related expenses. In fact, 81% of pet parents spend up to $500 on vet visits in the first year of having a puppy.11 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 Dachshund 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 Dachshund needs and finances. Most pet insurance companies nowadays offer a single plan that includes accident 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.

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
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!

You should carefully review the different plans before selecting Pet Insurance for your Rottweiler to determine what is and 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 Dachshund 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 Dachshund?

Choosing the right pet insurance policy for your Dachshund can be a complicated process. The following tips can help.

  1. Compare the coverage under each plan with your Dachshund’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 Dachshunds 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 Dachshund’s age, health, gender, and needs.
  6. The earlier you sign your Dachshunds 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 Dachshund Pet Insurance?

So, is pet insurance worth it for a dachshund? The short answer is, it depends on your finances.

Pet insurance can be a great way to protect your furry friend from expensive vet bills, but it’s important to do your research and find the policy that’s best for you and your dog. Dachshunds are prone to certain health problems, so make sure you choose a policy that covers those issues.

And don’t forget to factor in your own budget when deciding whether or not pet insurance is right for you. Remember, no one can predict when an accident or illness might occur, so even if you think your dog is healthy, pet insurance may be a good idea.

Ultimately, only you can decide if getting coverage is worth it for your Dachshund. But with the right policy in place, you can rest assured knowing that your pup is taken care of.

Resources & References: [1] USA Today, [2] Value Penguin, [3] Washington Post

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