From the time you brought your Dachshund home as a tiny puppy, you’ve wanted nothing but the best for him, from the food you feed him to the toys he plays with. Owning a pet can be expensive, and no matter what you do, accidents, illnesses, and the need for checkups will happen.
One of the best ways to prepare for any of the above is to have reliable, affordable pet insurance in place for your Dachshund from the beginning. Like any dog, Dachshunds need health insurance to guard against the rising costs of vet services in today’s chaotic and uncertain economy.
How do you find the best insurance plan for your Dachshund? There are so many pet insurance providers today that it can quickly get overwhelming. Never fear; we’ll give you our reviews and top picks of what we consider to be awesome pet insurance plans for Dachshunds out there in the guide below.
A Quick Look at the Winners for 2023
Image Product Details
Best Overall
Healthy Paws
Submit claims online or via the app
A+ BBB rating
Covered in Canada and the U.S.
Click to Get Quote
Lemonade Pet Insurance
Claims processing is super quick
Pay-in-full discounts available
Donates to non-profits
Click to Get Quote
Spot Pet Insurance
24/7 pet helpline
10% multi-pet discount
Covers prescription food, behavior therapy, and more
Click to Get Quote
Trupanion
Offers lifetime per-condition deductibles
No age restriction for hip dysplasia
30-day claim reimbursement
Click to Get Quote
Wagmo
Provides coverage for non-medical expenses
Claims are one day for wellness, 3 to 5 for accident and illness
5% multi-pet discount
Click to Get Quote
Our 10 Pet Insurance Reviews for Dachshunds
- Healthy Paws – Best Overall
Compare Healthy Paws Plans When it comes to the health of our Dachshunds, our best overall choice is Healthy Paws for pet insurance. The company was the number one customer-rated for pet insurance from 2010 to 2021 and is still going strong.
One of the best things about Healthy Paws is there’s no cap on claim limits or payouts.
Compare Healthy Paws Plans
When it comes to the health of our Dachshunds, our best overall choice is Healthy Paws for pet insurance. The company was the number one customer-rated for pet insurance from 2010 to 2021 and is still going strong.
You can easily file your claim online or via the company’s app.
Your pet will be covered anywhere in Canada and the U.S. for up to three months, which means you have no fear when taking your Dachshund with you on a trip. Furthermore, with an A+ BBB rating, you are assured that you’ll get excellent customer service when needed, and the rates are also affordable.
However, there is a 15-day waiting period for accidents and illness, the company offers no wellness plan, and there is a one-time enrollment fee of $25. There’s also no coverage for vet exam fees or if your Dachshund needs behavioral therapy. Deductibles are from $100 to $750 according to the health of the Dachshund, and reimbursement is 70% to 90%.
Pros
Submit claims online or via the app
A+ BBB rating
Covered in Canada and the U.S.
No claim limits
Great customer service
Cons
15-day waiting period
No coverage for vet exam fees or behavioral therapy
No wellness plan
One-time enrollment fee
- Lemonade Pet Insurance
Compare Lemonade Plans Lemonade pet insurance has a quick claims process. In addition, they have pay-in-full discounts and offer a 5% multi-pet discount, along with a 10% discount for existing customers.
The company also donates a portion of its proceeds to non-profit organizations, something no one else on our list does. Their deductibles vary as well.
Submit claims online or via the app
A+ BBB rating
Covered in Canada and the U.S.
No claim limits
Great customer service
- Submit claims online or via the app
- A+ BBB rating
- Covered in Canada and the U.S.
- No claim limits
- Great customer service
15-day waiting period
No coverage for vet exam fees or behavioral therapy
No wellness plan
One-time enrollment fee
- 15-day waiting period
- No coverage for vet exam fees or behavioral therapy
- No wellness plan
- One-time enrollment fee
Compare Lemonade Plans
Lemonade pet insurance has a quick claims process. In addition, they have pay-in-full discounts and offer a 5% multi-pet discount, along with a 10% discount for existing customers.
Lemonade doesn’t insure pets under two months of age, it isn’t available in every state, and bad credit or your claims history could affect how much your rates are with the company.
They also charge extra for services such as physical therapy, chiropractic care, or acupuncture instead of it coming with your policy.
Pros
Claims processing is super quick
Pay-in-full discounts available
Donates to non-profits
Cons
Not available in all states
- Spot Pet Insurance
Compare Spot Plans The various deductibles, which are $100, $250, $500, $750, and $1,000, make Spot the most affordable pet insurance for deductible choices on our list. They also offer 70%, 80%, and 90% reimbursement rates, which is impressive as well.
Available in all 50 states and Washington, DC, Spot covers some things that most insurances don’t cover, such as prescription food, behavior therapy, and more. The insurance company also offers a 10% multi-pet discount, which is more than other insurers on the list.
Claims processing is super quick
Pay-in-full discounts available
Donates to non-profits
- Claims processing is super quick
- Pay-in-full discounts available
- Donates to non-profits
Not available in all states
- Not available in all states
Compare Spot Plans
The various deductibles, which are $100, $250, $500, $750, and $1,000, make Spot the most affordable pet insurance for deductible choices on our list. They also offer 70%, 80%, and 90% reimbursement rates, which is impressive as well.
Spot also has unlimited annual coverage options available. The only drawback we saw to Spot Pet Insurance is that it won’t pay the vet directly for services.
Pros
24/7 pet helpline
10% multi-pet discount
Covers prescription food, behavior therapy, and more
Unlimited annual coverage available
Cons
Won’t pay the vet directly
- Trupanion
Compare Trupanion Plans The great thing about Trupanion is that they offer lifetime pers-condition deductibles. Also, they have no age restriction for coverage due to hip dysplasia and 30-day claim reimbursement.
While they don’t have a multi-pet discount, they offer a refer-a-friend program where you can get $50 for referring someone to their insurance company.
24/7 pet helpline
10% multi-pet discount
Covers prescription food, behavior therapy, and more
Unlimited annual coverage available
- 24/7 pet helpline
- 10% multi-pet discount
- Covers prescription food, behavior therapy, and more
- Unlimited annual coverage available
Won’t pay the vet directly
- Won’t pay the vet directly
Compare Trupanion Plans
The great thing about Trupanion is that they offer lifetime pers-condition deductibles. Also, they have no age restriction for coverage due to hip dysplasia and 30-day claim reimbursement.
Drawbacks include not offering preventative care or wellness plans and the fact that they only offer one plan with no customization options. They also have a $35 registration fee, which is higher than many of the insurance options on the list.
Pros
Offers lifetime per-condition deductibles
No age restriction for hip dysplasia
30-day claim reimbursement
Cons
No preventative care or wellness plan
Offers only one plan
No multi-pet discount
Charges $35 registration fee
- Wagmo
Compare Wagmo Plans Wagmo started as an insurance company that only offered wellness plans but then moved into traditional pet insurance plans. However, they offer coverage for non-medical expenses such as training and grooming, which is uncommon today.
Their claims are 1 day for wellness and 3 to 5 days for accident and illness claims. They offer a 5% multi-pet discount and have wellness coverage plans, but they are not required. Deductibles are decided by the breed and health of the dog and usually start at $500.
Offers lifetime per-condition deductibles
No age restriction for hip dysplasia
30-day claim reimbursement
- Offers lifetime per-condition deductibles
- No age restriction for hip dysplasia
- 30-day claim reimbursement
No preventative care or wellness plan
Offers only one plan
No multi-pet discount
Charges $35 registration fee
- No preventative care or wellness plan
- Offers only one plan
- No multi-pet discount
- Charges $35 registration fee
Compare Wagmo Plans
Wagmo started as an insurance company that only offered wellness plans but then moved into traditional pet insurance plans. However, they offer coverage for non-medical expenses such as training and grooming, which is uncommon today.
The traditional pet insurance is only available in 45 states, but the wellness plans are available in all 50 states. Pets over 15 years of age are only eligible for the wellness plans, and there is a per-incident deductible, as well as pets not being covered anywhere but in the U.S.
Pros
Provides coverage for non-medical expenses
Claims are one day for wellness, 3 to 5 for accident and illness
5% multi-pet discount
Wellness coverage available
Cons
Available in 40, not 50 states
15+ pets only eligible for wellness plans
Per incident deductible
Pet isn’t covered outside of the U.S.
- Pumpkin Pet Insurance
Compare Pumpkin Plans Pumpkin Pet Insurance is billed as one of the highest-quality pet insurance companies. They have exclusive plans for cats and dogs instead of grouping them into one category. Not only can you visit any vet in the U.S. and Canada, but they also have a 30-day guarantee. The waiting periods are relatively short, with 14 days for all conditions.
Advance treatment coverage for things like arthritis treatment, stem cell treatment, and even behavioral therapy are all covered by Pumpkin. One of the best things about Pumpkin is that they offer 90% coverage for all pets, regardless of age, including your beloved Dachshund.
Provides coverage for non-medical expenses
Claims are one day for wellness, 3 to 5 for accident and illness
5% multi-pet discount
Wellness coverage available
- Provides coverage for non-medical expenses
- Claims are one day for wellness, 3 to 5 for accident and illness
- 5% multi-pet discount
- Wellness coverage available
Available in 40, not 50 states
15+ pets only eligible for wellness plans
Per incident deductible
Pet isn’t covered outside of the U.S.
- Available in 40, not 50 states
- 15+ pets only eligible for wellness plans
- Per incident deductible
- Pet isn’t covered outside of the U.S.
Compare Pumpkin Plans
Pumpkin Pet Insurance is billed as one of the highest-quality pet insurance companies. They have exclusive plans for cats and dogs instead of grouping them into one category. Not only can you visit any vet in the U.S. and Canada, but they also have a 30-day guarantee. The waiting periods are relatively short, with 14 days for all conditions.
Pumpkin only has one plan option to choose from, so it isn’t customizable, and they have no mobile app, which sometimes makes it a little inconvenient. Deductibles range from $100 to $250 and $500 to meet any budget.
Pros
30-day guarantee
Short waiting periods
Advanced treatment coverage
Senior care plans
Cons
Only one plan option
No mobile app
7. Embrace Pet Insurance
Compare Embrace Plans Sometimes when you go to get pet insurance, your little Dachshund may be suffering from a pre-existing yet curable condition. That’s what puts Embrace Pet Insurance at number three on our list. They cover many curable pre-existing conditions when most other pet insurance plans don’t.
The company also offers reimbursements on preventive vet care, training, grooming, and more with no per-item limits as long as you have their Wellness Rewards plan, which is optional.
30-day guarantee
Short waiting periods
Advanced treatment coverage
Senior care plans
- 30-day guarantee
- Short waiting periods
- Advanced treatment coverage
- Senior care plans
Only one plan option
No mobile app
- Only one plan option
- No mobile app
Compare Embrace Plans
Sometimes when you go to get pet insurance, your little Dachshund may be suffering from a pre-existing yet curable condition. That’s what puts Embrace Pet Insurance at number three on our list. They cover many curable pre-existing conditions when most other pet insurance plans don’t.
Your pup will be covered outside of the U.S., and the company has a 10% multi-pet discount and exam fee coverage.
Embrace has a $25 enrollment fee, and they have a two-day waiting period for accidents, plus a $1 monthly transaction fee.
Pros
Covers curable pre-existing conditions
Reimbursements on many conditions and fees
Exam fee coverage
Outside of the U.S. coverage
10% multi-pet discount
Cons
$25 enrollment fee
Have to call for unlimited plan
Monthly transaction fee of $1
2 day waiting period for accidents
- ASPCA Pet Insurance
Compare ASPCA Plans The ASPCA has a 90% reimbursement rate on vet bills and average deductibles. They also provide a 10% multi-pet discount, let you choose your own reimbursement rate, have an annual limit and copay, and a 30-day money-back guarantee.
ASPCA covers many hereditary and congenital diseases, have microchipping as a standard feature, and cover many curable pre-existing conditions. There is no upper age limit for pets to be covered, meaning your little furry friend is covered for good.
Covers curable pre-existing conditions
Reimbursements on many conditions and fees
Exam fee coverage
Outside of the U.S. coverage
10% multi-pet discount
- Covers curable pre-existing conditions
- Reimbursements on many conditions and fees
- Exam fee coverage
- Outside of the U.S. coverage
- 10% multi-pet discount
$25 enrollment fee
Have to call for unlimited plan
Monthly transaction fee of $1
2 day waiting period for accidents
- $25 enrollment fee
- Have to call for unlimited plan
- Monthly transaction fee of $1
- 2 day waiting period for accidents
Compare ASPCA Plans
The ASPCA has a 90% reimbursement rate on vet bills and average deductibles. They also provide a 10% multi-pet discount, let you choose your own reimbursement rate, have an annual limit and copay, and a 30-day money-back guarantee.
They have a transaction fee if you pay monthly, and their website is very difficult to navigate. However, ASPCA made it onto our list due to the services they cover.
Pros
10% multi-pet discount
Covers some pre-existing conditions
Covers hereditary and congenital diseases
Microchipping is a standard feature
No upper age limit
Cons
Has a transaction fee
Website can be difficult to navigate
9. Pets Best
Compare Pets Best Plans Pets Best is another good budget choice for insurance for its value.
The deductibles range from $50 to $1,000, with a 70% to 90% reimbursement rate.
10% multi-pet discount
Covers some pre-existing conditions
Covers hereditary and congenital diseases
Microchipping is a standard feature
No upper age limit
- 10% multi-pet discount
- Covers some pre-existing conditions
- Covers hereditary and congenital diseases
- Microchipping is a standard feature
- No upper age limit
Has a transaction fee
Website can be difficult to navigate
- Has a transaction fee
- Website can be difficult to navigate
Compare Pets Best Plans
Pets Best is another good budget choice for insurance for its value.
The company offers a 24/7 pet helpline, and coverage extends to the US, Canada, and Puerto Rico so you can travel with your furry friend. There are no age limits to coverage. However, the company does increase premiums as your pet gets older.
They provide a 30-day money-back guarantee, and accident and illness exam fees are covered. They also have a 5% discount for purchasing insurance for multiple pets.
Drawbacks are a 14-day waiting period for illness and a 3-day waiting period for accidents. They also have a 6-month waiting period for any CCL injuries your dog might suffer. However, for the money, we feel this pet insurance is well worth checking into.
Pros
Most affordable
24/7 pet helpline
Covers US, Canada, and Puerto Rico
5% multi-pet discount
30-day money-back guarantee
No age limits
Accident and illness exam fees covered
Cons
14-day waiting period for illness, 3 days for accident
Increased premiums as pet gets older
6-month waiting period for CCL injuries
- Progressive Pet Insurance
Compare Progressive Plans Progressive provides a 5% multi-pet discount and flexible options for their policies, so you can find something that fits your pet and your budget. They also offer direct vet payments, which many companies on our list do not.
Their annual limit choices are very few, and their website is almost empty. The company also doesn’t offer burial or cremation when your pet Dachshund moves on. However, they cover up to 90% of vet bills and have a 24/7 vet pet line available for customers.
Most affordable
24/7 pet helpline
Covers US, Canada, and Puerto Rico
5% multi-pet discount
30-day money-back guarantee
No age limits
Accident and illness exam fees covered
- Most affordable
- 24/7 pet helpline
- Covers US, Canada, and Puerto Rico
- 5% multi-pet discount
- 30-day money-back guarantee
- No age limits
- Accident and illness exam fees covered
14-day waiting period for illness, 3 days for accident
Increased premiums as pet gets older
6-month waiting period for CCL injuries
- 14-day waiting period for illness, 3 days for accident
- Increased premiums as pet gets older
- 6-month waiting period for CCL injuries
Compare Progressive Plans
Progressive provides a 5% multi-pet discount and flexible options for their policies, so you can find something that fits your pet and your budget. They also offer direct vet payments, which many companies on our list do not.
Pros
5% multi-pet discount
Flexible options
Offers direct vet payments
Cons
Sparse website
Annual limit choices are few
Doesn’t offer burial or cremation
Buyer’s Guide: Choosing the Right Pet Insurance Plan for Your Dachshund
What to Look for in Pet Insurance for Dachshunds
When it comes to finding pet insurance for your Dachshund, there are a few aspects you should take into consideration. These include policy coverage, customer service and reputation, claim repayment, the price of the policy, and the plan customization options.
5% multi-pet discount
Flexible options
Offers direct vet payments
- 5% multi-pet discount
- Flexible options
- Offers direct vet payments
Sparse website
Annual limit choices are few
Doesn’t offer burial or cremation
- Sparse website
- Annual limit choices are few
- Doesn’t offer burial or cremation
Policy Coverage
As you can see on our list of ten pet insurance plans for Dachshunds, you should look for the policy that has the best coverage for your pet. In addition, it’s best to go for policies that cover the conditions your pet could have in the future.
As you can see, there are a few that offer coverage for pre-existing conditions that are curable. If your Dachshund has a pre-existing condition that’s curable, you’ll want to look for a policy that covers its medical issues.
There are also quite a few of these policies that cover dogs as they age. If your Dachshund is older, then this is the plan you’ll want to go with as well.
Customer Service & Reputation
Regarding customer service and reputation, almost every insurance company on our list meets the bill. However, a few had websites that were hard to navigate. It’s best to read the reviews and do your research to determine which one has the best reputation for customer service.
Claim Repayment
You want to go with the company that offers the highest reimbursement and the lowest waiting periods, but you have to factor in the deductible and monthly premiums. Most pet insurance companies on our list have a wide range of waiting periods and claim repayment reimbursement options. It’s best to choose the one that’s right for you and offers the most while still being tailored to your budget.
Price Of Policy
Just as with everything else in the world, the pet insurance policy’s price for your Dachshund will differ from one company to the other. Not only in terms of monthly premiums but in what they offer for that premium.
It’s best to look at the premiums, reimbursement, waiting times, and how much coverage you get for your buck. Make sure to do your research, and check for discounts as well. There are quite a few plans on our list that have discounts for multi-pet households and even some that have discounts for existing customers and referrals.
Plan Customization
There are a few companies on our list that have only one type of plan, which means there’s no customization allowed. While there’s nothing wrong with these plans if they have what you’re looking for, it’s still best to look for a policy that you can customize to meet the needs of your Dachshund.
For example, if your Dachshund is perfectly healthy, then you want the ability to customize your plan so that you just pay for accidents or wellness checkups. You’ll also want to be able to choose your deductible, rates, and policy coverage.
Can I Get Pet Insurance Outside the U.S.?
Quite a few companies on our list offer pet insurance outside of the U.S. Also, some insurers will cover your pet in the US, Canada, and one that even covers Puerto Rico.
What If My Insurance Company Isn’t Listed in the Reviews?
These are the insurance companies that we feel are the best, in our opinion, for securing pet insurance for your Dachshund. This in no way means that your insurance company isn’t good. You can do your research, read the list above, and decide if you want to change insurance companies based on what you find.
What Is the Best and Most Affordable Pet Insurance Company?
What the best and most affordable pet insurance company is for you will depend on the coverage you need, the health and age of your Dachshund, and your budget. However, any of the companies on our list will work if they have what you’re looking for at an affordable price.
What the Users Say
Users and customers of the above pet insurance companies are generally happy with the coverage provided to them. However, as with all reviews, you have to take the reviews with a grain of salt.
Which Dachshund Insurance Plan Is Best For You?
The ten options on our list have their pros and cons, but all of them are solid choices for the pet insurance you need for your Dachshund.
We believe Healthy Paws, Pets Best, and Embrace have the best coverage options, discounts, and value for a pet owner. Pumpkin and the others run close seconds, however.
Make sure that you choose a policy that offers the most for your money, but the quality of the coverage should be more essential than the price. You don’t want to pay for insurance that won’t do you any good if something were to happen to your Dachshund because the plan doesn’t cover its medical condition.
Conclusion
Pet insurance is becoming more attractive to concerned pet owners, and the trend has convinced several traditional insurers to introduce policies for pets. Make sure to do your research and compare all the insurers we listed above before making a final decision. Although pet insurance can be complex, we hope our analysis helps you select the ideal policy for your lovable Dachshund.
Featured Image Credit: JeebyJeeby, Pixabay
