Best Pet Insurance For Dachshunds: Is The Cost Worth It?

Canine Bible is reader-supported. We receive affiliate commissions via some of our links. Learn more.
This is the most comprehensive guide to finding the best pet insurance for Dachshunds. Dachshunds are adorable but 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 to protect your finances and your dog’s safety if something goes wrong. But is it worth it and affordable? Whether you are looking pet insurance for a Standard or Miniature Dachshund, this blog post will discuss everything you need to know before purchasing coverage, including breed-specific statistics that may change your mind about insuring your Dachshunds. Let’s dive in!
Why you should trust us: Our writers, editors, and in-house veterinarians spend hours analyzing and reviewing products and services to help find what’s best for you. Read the product review methodology and editorial mission to find out how we test, analyze, and rate.
Best Dachshund Pet Insurance — At A Glance
What Is Dachshund Pet Insurance?
Pet insurance is a healthcare policy that provides coverage for your pet, offering reimbursement for specific veterinary expenses. This ensures that your savings remain secure despite unforeseen medical costs. Such a policy involves a monthly premium. Should your pet fall ill or sustain an injury, you would file a claim with the insurance company to recoup your expenses.
The monthly premium for Dachshund pet insurance
$29 to $50
How Much Does Pet Insurance Cost For Dachshunds?
The cost of pet insurance for a Dachshund dog will vary based on several factors, including the pet’s existing health conditions, sex, age, and the area you reside in. It’s important to remember that with the progression of veterinary technology and increased claims within your locality, your insurance premiums may rise. For example, even if your Dachshund is quoted at $55 per month, this rate is not fixed and could change.
According to our research, plans for Dachshund can range from $29 to $50. You may spend more or less depending on where you live, the deductible rate and the reimbursement percentage you choose. Dachshund owners can expect to pay an average $39 monthly premium.
Pet Insurance Quotes For Dachshunds
We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different life stages in Dachshunds.
Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
---|---|---|---|---|---|---|---|---|
Lemonade | $500 | 70% | $100,000 | $33.13 | SC, 29044 | Male | Dachshunds | 6 years |
Spot | $500 | 70% | Unlimited | $41.05 | SC, 29044 | Male | Dachshunds | 6 years |
Healthy Paws | $500 | 70% | Unlimited | $45.32 | SC, 29044 | Male | Dachshunds | 6 years |
Lemonade | $500 | 70% | $100,000 | $31.14 | CA, 95842 | Female | Dachshunds | 2 year |
Spot | $500 | 70% | Unlimited | $50.40 | CA, 95842 | Female | Dachshunds | 2 year |
Healthy Paws | $500 | 70% | Unlimited | $37.03 | CA, 95842 | Female | Dachshunds | 2 year |
Lemonade | $500 | 70% | $100,000 | $29.53 | TX, 75219 | Female | Dachshunds | 6 months |
Spot | $500 | 70% | Unlimited | $44.41 | TX, 75219 | Female | Dachshunds | 6 months |
Healthy Paws | $500 | 70% | Unlimited | $40.20 | TX, 75219 | Female | Dachshunds | 6 months |
Dachshund puppy monthly cost: $38
Adult Dachshund monthly cost: $40
Senior Dachshund monthly cost: $40
Is Pet Insurance For Dachshunds Worth it?
The decision to purchase pet insurance for your Dachshund depends on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.
Consider a scenario where your Dachshund falls seriously ill or suffers an injury from an accident, incurring veterinary bills in the thousands. On average, the most common dog treatments cost $254.[1] A more severe and common condition in Dachshunds, like Gastric Dilatation Volvulus (Bloat), can cost between $1,500 and $7,500 to diagnose and treat. Can you pay for an unexpected $7,500 veterinary bill out-of-pocket? Most people can’t. The Federal Reserve states that 40% of Americans don’t have enough savings to cover a $400 emergency and 57% of U.S. adults cannot afford a $1,000 emergency expense.[2]
Investing in pet insurance for your Dachshund is a wise choice to protect your finances and ensure your dog can receive the necessary care. With pet insurance, should an unexpected accident or illness occur, you could be reimbursed for 70% to 100% of the veterinary costs, depending on the details of your plan and provider. Pet insurance gives peace of mind, knowing your finances and pet’s health are covered.
Predict & Protect Your Dachshund’s Future Health
Canine Bible uses years of clinical health findings, pet insurance data points, trends, and surveys to identify common health conditions in dogs. By gaining insight into your Dachshund’s potential future health issues and risks, you can take preventive action today and ensure that your Dachshund does not become a part of these statistics.
1 in 3
dogs will need emergency veterinary treatment every year.
$250 to $8K
is the average cost of unexpected veterinary care for dogs.[3]
1100
Dachshund dog owners seek health advice every month.
10 to 12 times
are at higher risk of IVDD than other breeds and 19–24 % show signs.[4]
If you know your dog’s breed is predisposed to certain health issues, we strongly advise getting a pet insurance policy while your dog is still healthy. Chronic health conditions, emergencies, and vet visits can increase costs throughout your Dachshund’s life. Pet Insurance can spare you a lot of financial trouble.
Dogs that develop chronic conditions under pet insurance coverage are guaranteed reimbursement for these issues for the duration of their life.Most Common Health Conditions In Dachshunds
Cost to treat cardiomyopathy
Cancer in dogs is the abnormal growth of cells in their body, often leading to tumors. It can affect any organ, showing varied symptoms, and requires veterinary diagnosis and treatment.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat ear infections
Ear infections in Dachshunds are common due to their floppy ears, which trap moisture and debris, creating a breeding ground for bacteria and yeast. Symptoms include scratching, redness, and odor. Regular cleaning and veterinary care are essential for prevention and treatment.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat bloat
Bloat also known as gastric dilatation-volvulus, is a rapid stomach expansion with gas and often a twist, obstructing blood flow. It’s a life-threatening emergency causing distress, drooling, and a swollen belly.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat congenital heart defect
Congenital heart defects in Dachshunds are hereditary conditions where the heart develops abnormally from birth. These can include valve malformations or holes in the heart, leading to symptoms like fatigue and coughing.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat skin disease
Dogs can suffer from various skin diseases, often manifested as itchiness, rashes, or hair loss. Causes range from allergies, parasites, and hormonal imbalances, to infections. Effective treatment requires identifying the underlying cause, which may involve dietary changes, medications, or topical treatments, depending on the specific condition. Regular skin care can help prevent recurrences.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat patellar luxation
Patellar luxation in Dachshunds involves the dislocation of the kneecap from its normal position. This condition, often genetic, can cause lameness or an abnormal gait. Factors like trauma or congenital defects contribute to its development. Severity varies, potentially leading to arthritis or reduced mobility in affected dogs.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat obesity
Obesity is a significant concern in Dachshunds, primarily caused by overfeeding and lack of exercise. This excess weight puts strain on the dog’s body, leading to joint problems, diabetes, and reduced lifespan. Proper diet and regular exercise are crucial for prevention.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat cushing’s disease
Also known as hyperadrenocorticism, Cushing’s Disease occurs when the body produces too much cortisol, often due to a tumor in the pituitary or adrenal gland. Symptoms include increased thirst, hunger, urination, and hair loss. Treatment options depend on the underlying cause and can range from medication to surgery.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat corneal dystrophy
This genetic condition involves the deposition of opaque material in the cornea, leading to visual impairment. It’s usually bilateral and non-inflammatory. Symptoms may include cloudy or opaque areas in the cornea. Treatment is symptomatic and aims to manage any secondary complications like ulcers.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat dental disease
Poor dental hygiene in Dachshunds leads to plaque build-up, gingivitis, and periodontitis. This results in tooth loss and bad breath and can affect overall health.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat intervertebral disc disease
Dachshunds often suffer from IVDD due to their unique spinal structure. This condition leads to the degeneration of intervertebral discs, causing pain, weakness, and sometimes paralysis. The breed’s genetics and compact physique contribute to this risk.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Why Get Pet Insurance For Dachshunds?
Benefits For Dachshunds
Benefits For Owners
How to Pick The Best Dachshunds Pet Insurance
Best Pet Insurance For Dachshunds
1. Best Overall Dachshund Pet Insurance
Why we picked and recommended it: We named Lemonade our best overall pet insurance for Dachshunds for its comprehensive coverage, pricing, availability, and customer service. Lemonade premiums usually start at just $10 monthly, the lowest in the industry. We ran a few quotes for a healthy Dachshund at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $29 and $33 monthly. 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.
2. Best Personalized Dachshund Pet Insurance
Why we picked and recommended it: Spot Pet Insurance 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 Dachshund gets sick, you pay less upfront before your plan starts paying. With so many customization options, this company is 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. We ran a few quotes for a healthy Dachshund at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $41 and $50, but prices may vary depending on your location, Dachshund’s age, and other factors. Spot covers you when your Dachshund gets hurt unexpectedly, from tooth extractions and torn ligaments to surgery and hospitalizations.
3. Best No-Cap Payout Dachshund Pet Insurance
Why we picked and recommended it: Healthy Paws offers the benefit of no cap payout, meaning there’s no maximum limit on the amount they will pay, which is particularly advantageous for severe conditions or chronic diseases that require ongoing, expensive treatments. With no financial cap, you can choose the best treatments for your pet. This can include access to advanced medical procedures, specialized surgeries, or cutting-edge treatments that might otherwise be prohibitively expensive. Additionally, Healthy Paws stands out for its quick claim processing, typically paying 99% of claims in two days, notably faster than many competitors. We ran a quote for a healthy Dachshund at a $500 deductible with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $37 and $45. Healthy Paws insurance plans cover accidents and illnesses, cancer, emergency care, genetic conditions, alternative care, etc. They have competitive premium prices and fewer coverage exclusions.
Types of Pet Insurance Coverage For Dachshunds
There are two main types of pet insurance plans.
What Does Pet Insurance Not Cover?
When choosing pet insurance for your Dachshund, reviewing and understanding your policy’s exclusions is important.
Exclusions vary based on the pet insurance company and the policy you choose. Be sure to review the list of exclusions before purchasing pet insurance to confirm that your Dachshund is adequately covered by the plan you select and help prevent surprises in the future.
Pet Insurance For Dachshund Puppies
Should you get pet insurance for your Dachshund puppy? Here are the top reasons you should consider Dachshund puppy insurance.
Average Cost of Dachshund Vet Bills
This is what you will pay out-of-pocket on average if you don’t have pet insurance or a wellness plan.
Average Cost of Typical Vet Procedures
Typical Vet Procedure | Average Cost of Procedure |
---|---|
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 |
Average Cost of Emergency Vet Procedures
Typical Vet Procedure | Average Cost Of Procedure |
---|---|
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 days holspitalization | $1,500 - $3,500 |
Wound treatment & repair | $800 - $1,500 |
Emergency surgery | $800 - $2,500 |
Oxygen therapy | 500 |
Sources: 5 & 6
Factors That Impact the Cost of Your Dachshund Pet Insurance Policy
Deductibles, co-pays & coverage limits
The lower the amount you pay out of pocket for your pet’s care, the higher your insurance premium will be. For instance, selecting a deductible of $300 instead of $800 means you’ll get reimbursed quicker for your pet’s care, but it also leads to higher premium payments.
Breed
Certain breeds are prone to congenital health issues. For example, breeds such as Dachshund often struggle with Cancer and bloat. These breed tendencies could influence your pet insurance expenses.
Location
Local veterinary care expenses are taken into account by pet insurance companies when setting the price of your policy.
Pet’s Age
Older pets generally face more health problems, which results in higher insurance premiums because there is a higher risk for the insurance company.
Understand Insurance Policy Basics
How Does Dachshund Pet Insurance Work?
Imagine your Dachshund’s pet insurance policy has the following terms:
Now, let’s say your Dachshund incurs a veterinary bill of $1,000 for medical treatment.
This example assumes you haven’t yet met your deductible for the year. If you’ve already met your annual deductible, you won’t have to pay again for this or any new claims within the same policy year. And, since every claim you make contributes to your annual payout limit after the insurance company pays $560 for this claim, the remaining yearly payout limit is $50,000 – $560 = $49,440.
Frequently Asked Question
Dachshunds Pet Insurance — Conclusion
So, is pet insurance worth it for a dachshund? We recommend getting pet insurance, it can be a great way to protect your furry friend from expensive vet bills, but it’s essential to research and find the best policy for you and your dog. Dachshunds are prone to certain health problems, so choose a policy that covers those issues. And don’t forget to factor in your 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.
Like It? Subscribe & Share!
Disclaimer: The details about insurance company offerings, including prices, availability, and contract specifics, can change at any time and are at the discretion of the insurance company. This website does not control these changes. The information provided here is for reference only. It is important to thoroughly read and understand your policy before signing up for a new insurance contract, as your situation may differ from the examples used in this article.
Sources
Canine Bible uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process and product review methodology to learn more about how we fact-check, test products, and keep our content accurate, reliable, and trustworthy.
- Breiner, B. (2023). Average Cost of Pet Insurance: 2023 Quotes. ValuePenguin.
- Gillespie, L. (2023, February 23). Bankrate’s Annual Emergency Fund Report. Bankrate.
- Healthy Paws Pet Insurance. (2019). 2019 Cost of Pet Health Care Report.
- Packer, R. M. A., Seath, I. J., O’Neill, D. G., De Decker, S., & Volk, H. A. (2016). DachsLife 2015: an investigation of lifestyle associations with the risk of intervertebral disc disease in Dachshunds. Canine Genetics and Epidemiology, 3(1).
- Average Cost Of Emergency Vet Visits | Find Out What You Will Pay. (2020, March 19). Emergency Vets USA.
- Cost of Owning a Dog: From Initial Cost to Annual Essentials. (n.d.). The Dog People.
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.