Best Pet Insurance for Dachshunds (2023)

by | 2/1/2023

Bred to chase badgers through underground tunnels, the Dachshund is a versatile hunter, tracker, and family dog. As of 2021, the Dachshund was the 10th most popular dog breed in the United States. These curious, spunky hounds are known for their long bodies, little legs, and big personalities.

Unfortunately, the Doxie’s many delightful qualities are accompanied by several health problems that could cost you a small fortune. Therefore, we’ve reviewed the best pet insurance for Dachshunds to help you take top-notch care of your little buddy without fretting about cost.

You should always be able to give your furry family member the medical care it deserves, and pet health insurance is a beneficial financial tool to help you do so. 

In this article, we’ll go over:

Continue reading to learn more about the following pet insurance providers so that you can choose the best one for your needs:

 

Our Top 3 Picks for Dachshund Pet Insurance

The pet insurance comparison table below shows different features of our top provider picks and how they stack up. Each company offers customizable policies, wellness plan add-ons, and multi-pet discounts.

Take a look at different pricing options and deductibles from each pet insurance provider:

Spot

Lemonade 

Embrace

Quote

Visit Site

Visit Site

Visit Site

Our Score

4.9/5

4.8/5

4.7/5

Deductible

$100 to $1,000

$100 to $500

$200 to $1,000

Average Monthly Cost for Dachshunds*

$40

$15

$50

Multi-pet Discount

10%

5%

10%

Wellness Add-on

Yes

Yes

Yes

BBB Rating

A

F

A+

*For these rates, we selected pet insurance plans with $10,000 annual limits, $500 annual deductibles, and 80% reimbursement rates for a 2-year-old Dachshund.

Why Is Pet Insurance for Dachshunds Important?

Dachshund health insurance is important because – like all other purebred dogs – the Doxie is prone to several health conditions that could leave you with hefty vet bills.

Here are some common health issues for Dachshunds:

  • Intervertebral disc disease (IVDD)
  • Hip and elbow dysplasia
  • Hemorrhagic gastroenteritis (HGE)
  • Patellar luxation
  • Legg-Calve-Perthes Disease
  • Dental illness
  • Cushing’s Disease
  • Diabetes 
  • Idiopathic epilepsy
  • Obesity
  • Cancer 
  • Cataracts and glaucoma

Injury/Illness

Estimated Expense

Intervertebral disc disease (IVDD)

  • $800-$1,200 for diagnostics and medical management
  • $3,000-$7,000 for surgery

Hip dysplasia

  • $100-$300 per month for medical maintenance
  • $3,500-$7,000 per hip for surgery

Cataracts

  • $3,000-$4,000 per eye for treatment

Cancer

  • $600-$10,000 depending on the type of cancer and required treatment

Diabetes

  • $200-$500 per month for insulin, special diets, and blood glucose monitoring
  • $200-$700 for follow-up testing

How Much Does Pet Insurance for Dachshunds Cost?

Pet insurance for Dachshunds typically costs $40-$60 per month. Remember, your monthly premiums will be higher if you enroll your dog at an older age or if you live in a high-cost area. 

We generated the pet insurance quotes below for a 1-year-old Dachshund with middle-tier coverage rates.

State

Estimated Cost

California

$40-$50

Florida

$30-$40

Indiana

$35-$45

New York

$50-$60

Best Pet Insurance for Dachshunds

In the next section, we’ll review some top pet insurance companies for Dachshunds. These providers cover many of the diagnostic services and treatments your Doxie might need if it gets sick or hurt.

While reading, look for plan exclusions, add-on packages, and price points that could benefit your weenie dog’s coverage – or cut it short.

If you’d like to retrieve a free quote from any of these providers, you can click the following links:

Spot for Dachshunds 

Spot offers highly customizable pet insurance policies and comprehensive wellness packages. We like that Spot offers an unlimited annual coverage option for uncapped reimbursements.

Take a look at Spot’s mix-and-match coverage rates:

Annual payout limit – $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited.

Reimbursement rate – 70%, 80%, 90%.

Annual deductible – $100, $250, $500, $750, $1,000.

What’s Covered

What’s Not Covered

  • Accidents and illnesses
  • Hereditary conditions
  • Congenital conditions 
  • Chronic conditions
  • Behavioral issues
  • Alternative therapies
  • MRIs, CT scans, X-rays
  • Tooth extractions
  • Surgery and hospitalization
  • Emergency care
  • Prescription medications

You can purchase a Preventive Care package for coverage of:

 

  • Dental cleanings
  • Wellness checkups
  • Parasite tests and prevention
  • Vaccinations
  • Routine blood work
  • Health certificates
  • Deworming
  • Cosmetic procedures
  • Pre-existing conditions
  • Breeding costs
  • Boarding 
  • Grooming fees

Pros:

  • Highly customizable plans
  • Unlimited annual coverage option
  • Dental illness coverage

Cons:

  • No prescription pet food coverage
  • Higher monthly premiums

Find out more in our Spot pet insurance review.

Lemonade for Dachshunds

Lemonade is an excellent option for dog owners seeking comprehensive accident and illness coverage at competitively affordable prices.

Along with its low rates, Lemonade allows you to choose from the following coverage options when building your Dachshund’s plan:

Annual payout limit – $5,000, $10,000, $20,000, $50,000, $100,000.

Reimbursement rate – 70%, 80%, 90%.

Annual deductible – $100, $250, $500.

What’s Covered

What’s Not Covered

  • Unexpected injuries and sickness
  • Diagnostic testing
  • MRIs, CT scans, ultrasounds, and X-rays
  • Outpatient care and hospitalization
  • Surgery
  • Emergency care
  • Injections and prescription medications
  • Chronic conditions
  • Hereditary conditions

You can purchase add-on packages for coverage of:

 

  • Physical therapy needs 
  • Exam fees
  • Preventive care services
  • Pre-existing conditions
  • Dental illness
  • Spay/neuter procedures for dogs over two
  • Elective or cosmetic procedures
  • Behavioral conditions

Pros:

  • Competitively affordable prices
  • Wellness plan for Dachshund puppies
  • User-friendly mobile app and online portal

Cons:

  • No dental illness coverage
  • Low BBB rating

Check out our Lemonade pet insurance review to learn more.

ASPCA for Dachshunds 

ASPCA Pet Health Insurance is an excellent choice for pet parents seeking accident and illness coverage with low deductible options, no upper age limits, and exam fee coverage. The provider caps annual coverage at $10,000, so it’s not the best choice for pets needing unlimited reimbursements.

You can choose from the rate options below when building your buddy’s ASPCA plan:

Annual payout limits – $3,000, $4,000, $5,000, $7,000, $10,000.

Reimbursement percentages – 70%, 80%, 90%.

Annual deductibles – $100, $250, $500.

What’s Covered

What’s Not Covered

  • Illnesses and injuries
  • Dental disease
  • Behavioral issues
  • Hereditary conditions
  • Cancer treatment
  • Emergency care
  • Congenital conditions
  • Behavioral issues
  • Orthopedic conditions
  • IVDD
  • Chronic issues
  • Microchipping 
  • Exam fees

You can buy a Preventive Care plan for coverage of:

 

  • Dental cleanings
  • Wellness exams
  • Deworming
  • Heartworm tests
  • Vaccinations
  • Fecal tests
  • Urinalysis
  • Health certificates
  • Breeding costs
  • Cosmetic procedures
  • Pre-existing conditions
  • Boarding fees
  • Grooming 

Pros:

  • Partner of the American Society for the Prevention of Cruelty to Animals
  • Low deductible options
  • Microchip implantation coverage

Cons:

  • $10,000 annual coverage cap
  • Poor customer ratings

Read more in our ASPCA pet insurance review.

Embrace for Dachshunds 

Embrace is yet another top provider that offers customizable deductibles, annual limits, and reimbursement rates. We like Embrace’s exclusive Healthy Pet Deductible program, which reduces your annual deductible by $50 for every year you don’t submit a claim.

With any Embrace policy, you can combine the rates below for personalized coverage:

Annual payout limit – $5,000, $8,000, $10,000, $15,000, $30,000.

Reimbursement rate – 70%, 80%, 90%.

Annual deductible – $200, $300, $500, $750, $1,000.

What’s Covered

What’s Not Covered

  • Unexpected illnesses and injuries
  • Cancer treatment
  • Diagnostic testing
  • Dental injuries
  • Exam fees
  • Prescription medications
  • Congenital conditions
  • Chronic conditions
  • Allergy testing
  • Complementary treatment
  • CT scans, X-rays, ultrasounds, and MRIs
  • Hospitalization and surgery
  • Emergency care
  • Physical therapy

You can purchase one of Embrace’s Wellness Rewards packages for coverage of:

 

  • Checkups
  • Parasite prevention
  • Microchipping
  • Prescription diet food
  • Vaccinations
  • Grooming
  • Chiropractic care
  • Dental cleaning
  • Training classes
  • Massage and acupuncture 
  • Pre-existing conditions
  • Nutritional counseling
  • Boarding fees
  • Elective procedures

Pros:

  • Healthy Pet Deductible feature
  • Flexible pre-existing condition policy
  • Wellness Rewards packages for routine care

Cons:

  • Higher monthly insurance premiums
  • No unlimited annual coverage option

For more information, read our Embrace pet insurance review.

Healthy Paws for Dachshunds

Healthy Paws provides comprehensive pet insurance coverage with one straightforward plan. The provider includes unlimited per-item, annual, and lifetime payouts on every plan so that you’ll never run out of reimbursements.

However, Healthy Paws limits plan customizability by your pet’s age at enrollment, so be sure to get a quote before purchasing.

Here are the customizable rates for 1- to 5-year-old Dachshunds: 

Annual payout limits – Always unlimited.

Reimbursement percentages – 70% and 80%.

Annual deductibles – $250 and $500.

What’s Covered

What’s Not Covered

  • Accidents and illnesses
  • Hereditary conditions
  • Congenital conditions
  • Chronic illnesses
  • Cancer
  • Diagnostic testing
  • Surgery and hospitalization
  • Scans
  • Prescription medications
  • Emergency care
  • Alternative treatments
  • Specialty care
  • Pre-existing conditions
  • Preventive care
  • Exam fees
  • Spay/neuter surgery
  • Cosmetic procedures 

Pros:

  • Unlimited lifetime payout on all plans
  • Dedication to animal welfare charities
  • Quick claims payout

Cons:

  • No preventive care packages
  • Coverage and plan customization limited by age

Read our Healthy Paws pet insurance review for more information.

Is Pet Insurance for Dachshunds Worth it?

You’ve read about different companies, plans, and premiums, but you still might be wondering – is pet insurance worth it?

We think pet insurance is absolutely worth the cost. You’ll get coverage for emergencies and the peace of mind to choose the best healthcare for your pet without panicking about large vet bills.

Some pet parents might want to self-insure for their animals’ medical needs, and that’s okay too. However, emergency vet visits can cost thousands of dollars. Paying monthly premiums for a pet insurance policy is a responsible way to make sure you have enough financial wiggle room for your pet’s care.

Let’s consider a hypothetical situation to show you the worth of a pet insurance policy.

Imagine your 6-year-old Dachshund develops severe IVDD. Your buddy starts struggling to walk, so you rush it to the emergency animal hospital.

The veterinarian performs surgery, and your vet bill comes to $5,000. Luckily, you have a Lemonade pet insurance policy with a $10,000 annual limit, $250 deductible, and 90% reimbursement rate. Your plan costs $32 a month.

Once your reimbursement percentage and annual deductible have been satisfied, Lemonade reimburses you $4,250 for the visit. 

$5,000 x 90% = $4,500

$4,500 – $250 deductible = $4,250

In just that one emergency visit, your yearly premium total of $384 has paid for itself. You also satisfied your deductible, so the rest of your reimbursements will be the full 90%. With the $10,000 annual payout limit, you still have nearly $6,000 of reimbursements left for the year.

In conclusion: You buy your pet insurance plan with the hope you’ll never have to use it, but it will be incredibly worth it in the event of an astronomical vet bill.

Final Thoughts

Now that you’ve learned about the best pet insurance for Dachshunds, you’ll be able to choose an option that suits your precious pal’s needs. With the right plan, you’ll pay a predictable monthly premium for financial coverage of veterinary emergencies. 

We have no doubt you’ll find a policy that covers your Doxie from sniffing snout to wagging tail. However, if you’re still curious about any of the top providers we discussed, check out our in-depth pet insurance reviews for more information on pricing, exclusions, and add-on package availability.

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.