With prices rising for everything around us, it’s not unexpected that health care for our pets is also higher. Have you been to the veterinarian lately? It can take quite a hit on the budget. These rising costs are why more and more pet parents are turning to pet insurance to help cover the costs they incur. This is especially true for dog breeds like Dachshunds who may need more attention than others. While pet insurance won’t pay for everything at the veterinarian, a helping hand is always welcoming. Let’s take a look at some of the best pet insurance plans for Dachshunds this year to help you find the one that is best suited for you and your Dottie.
A Quick Look at Our Favorites in 2023
Image Product Details
Best Overall
Lemonade Pet Insurance
Affordable
Offers lots of discounts
Donates a portion of profits
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Best Value
Embrace Pet Insurance
Good coverage
Affordable monthly costs
May cover pre-existing conditions
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Healthy Paws Pet Insurance
No caps on claims or payouts
Great customer service and ratings
Offers affordable deductibles and high reimbursements
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Spot Pet Insurance
Great coverage
High reimbursement rates
Wide range of deductibles to choose from
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Pumpkin Pet Insurance
90% coverage no matter your pet’s age
Short wait periods for coverage and reimbursements
Allows you to visit any licensed veterinarian in the US
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Comparing 7 Pet Insurance Plans for Dachshunds
- Lemonade Pet Insurance – Best Overall
Compare Lemonade PlansLemonade Pet Insurance is a great plan for a Dachshund. You’ll find that they have one of the quickest claims processes around. They also offer discounts for multiple pets which is ideal if you have other pets in your home. Lemonade also offers a paid-in-full discount to take advantage of. You can purchase coverage for your Dachshund once they turn 2 months old. Another thing we love about Lemonade is that they donate a portion of their proceeds to nonprofits.
When it comes to pricing, coverage options and rates vary but are mostly affordable. You’ll also find that there are extra costs for coverages like acupuncture and physical therapy. Unfortunately, Lemonade Pet Insurance isn’t available in every state and may take your credit history into account when setting your rates.
Compare Lemonade Plans
Lemonade Pet Insurance is a great plan for a Dachshund. You’ll find that they have one of the quickest claims processes around. They also offer discounts for multiple pets which is ideal if you have other pets in your home. Lemonade also offers a paid-in-full discount to take advantage of. You can purchase coverage for your Dachshund once they turn 2 months old. Another thing we love about Lemonade is that they donate a portion of their proceeds to nonprofits.
Pros
Affordable
Offers lots of discounts
Donates a portion of profits
Cons
Isn’t available in every state
Considers credit history when setting rates
Pros
Affordable
Offers lots of discounts
Donates a portion of profits
Cons
Isn’t available in every state
Considers credit history when setting rates
Affordable
Offers lots of discounts
Donates a portion of profits
- Affordable
- Offers lots of discounts
- Donates a portion of profits
Isn’t available in every state
Considers credit history when setting rates
- Isn’t available in every state
- Considers credit history when setting rates
- Embrace Pet Insurance – Best Value
Compare Embrace PlansEmbrace is our choice for the best value when it comes to pet insurance. We love that this company offers affordable rates. What’s even better is if your Dachshund suffers from a pre-existing condition but hasn’t had symptoms in 12 months, Embrace may cover that condition. You’ll also find that Embrace offers reimbursements on lots of conditions and fees that other companies may not cover, but you do need to wait 2 days on accidents. If you have multiple pets in your home, they even offer a 10% discount to help keep them all covered.
Embrace does charge a one-time enrollment fee of $25. You’ll also need to contact them directly if you’re interested in the company’s unlimited plan.
Compare Embrace Plans
Embrace is our choice for the best value when it comes to pet insurance. We love that this company offers affordable rates. What’s even better is if your Dachshund suffers from a pre-existing condition but hasn’t had symptoms in 12 months, Embrace may cover that condition. You’ll also find that Embrace offers reimbursements on lots of conditions and fees that other companies may not cover, but you do need to wait 2 days on accidents. If you have multiple pets in your home, they even offer a 10% discount to help keep them all covered.
Pros
Affordable monthly costs
Good coverage
May cover pre-existing conditions
Cons
Charges an enrollment fee
The waiting period for accidents is 2 days
Pros
Affordable monthly costs
Good coverage
May cover pre-existing conditions
Cons
Charges an enrollment fee
The waiting period for accidents is 2 days
Affordable monthly costs
Good coverage
May cover pre-existing conditions
- Affordable monthly costs
- Good coverage
- May cover pre-existing conditions
Charges an enrollment fee
The waiting period for accidents is 2 days
- Charges an enrollment fee
- The waiting period for accidents is 2 days
- Healthy Paws Pet Insurance
Compare Healthy Paws PlansHealthy Paws Pet Insurance is a great all-around provider. They were even the top-rated company by customers from 2010 through 2021 and have an A+ rating with the BBB. What we like about Healthy Paws is that they don’t have caps on claim limits or payouts. They also make filing claims easy with their app or website. The customer service experience with this company is top-notch and one of the main reasons pet owners choose them as their favorite option.
While Healthy Paws offers great coverage, they do not cover exam fees or offer a wellness option for your pets. They also charge a $25 enrollment fee when you sign up. However, their deductibles range from $100 to $750 making them affordable, and reimbursements are set for 70% and 90% which is great for pet owners.
Compare Healthy Paws Plans
Healthy Paws Pet Insurance is a great all-around provider. They were even the top-rated company by customers from 2010 through 2021 and have an A+ rating with the BBB. What we like about Healthy Paws is that they don’t have caps on claim limits or payouts. They also make filing claims easy with their app or website. The customer service experience with this company is top-notch and one of the main reasons pet owners choose them as their favorite option.
Pros
Great customer service and ratings
No caps on claims or payouts
Offers affordable deductibles and high reimbursements
Cons
Charges a $25 enrollment fee
Doesn’t offer wellness options
Pros
Great customer service and ratings
No caps on claims or payouts
Offers affordable deductibles and high reimbursements
Cons
Charges a $25 enrollment fee
Doesn’t offer wellness options
Great customer service and ratings
No caps on claims or payouts
Offers affordable deductibles and high reimbursements
- Great customer service and ratings
- No caps on claims or payouts
- Offers affordable deductibles and high reimbursements
Charges a $25 enrollment fee
Doesn’t offer wellness options
- Charges a $25 enrollment fee
- Doesn’t offer wellness options
- Spot Pet Insurance
Compare Spot PlansIf you’re worried about meeting your deductible when purchasing pet insurance, then Spot may be the choice for you. They offer deductibles that range from $100 to $1,000. While having lower deductibles often means paying more monthly, if you’re worried about what you need to meet before the company starts paying, Spot is a great choice. You’ll also enjoy their reimbursement rates of 70%, 80%, and 90% which is impressive. Spot is available in every state, so your location isn’t an issue. Another great thing about this company is they cover lots of things other providers do not like behavior therapy and prescription dog food.
While Spot is a great company all around, the only issue we found was that payments cannot be made directly to the veterinarian. They are sent to the policy owner instead.
Compare Spot Plans
If you’re worried about meeting your deductible when purchasing pet insurance, then Spot may be the choice for you. They offer deductibles that range from $100 to $1,000. While having lower deductibles often means paying more monthly, if you’re worried about what you need to meet before the company starts paying, Spot is a great choice. You’ll also enjoy their reimbursement rates of 70%, 80%, and 90% which is impressive. Spot is available in every state, so your location isn’t an issue. Another great thing about this company is they cover lots of things other providers do not like behavior therapy and prescription dog food.
Pros
Wide range of deductibles to choose from
High reimbursement rates
Great coverage
Cons
Will not pay veterinarians directly
Pros
Wide range of deductibles to choose from
High reimbursement rates
Great coverage
Cons
Will not pay veterinarians directly
Wide range of deductibles to choose from
High reimbursement rates
Great coverage
- Wide range of deductibles to choose from
- High reimbursement rates
- Great coverage
Will not pay veterinarians directly
- Will not pay veterinarians directly
- Pumpkin Pet Insurance
Compare Pumpkin PlansPumpkin is one of the most talked about pet insurance providers around. What we like about this company is you can visit any licensed veterinarian in the United States to receive care for your Dachshund. Not having to search for a provider within a network is a nice relief. They also offer coverage for arthritis and other ailments your Dottie may face. The coverage is 90%, no matter your dog’s age. You’ll also love that they have a range of deductibles that can easily meet any budget.
The biggest issue with Pumpkin is that they only offer one plan. There are no customizations to help you ensure what you want is covered. They also don’t offer a mobile app for convenience. Often the pricing, short waiting periods, and extended coverages negate these issues.
Compare Pumpkin Plans
Pumpkin is one of the most talked about pet insurance providers around. What we like about this company is you can visit any licensed veterinarian in the United States to receive care for your Dachshund. Not having to search for a provider within a network is a nice relief. They also offer coverage for arthritis and other ailments your Dottie may face. The coverage is 90%, no matter your dog’s age. You’ll also love that they have a range of deductibles that can easily meet any budget.
Pros
90% coverage no matter your pet’s age
Allows you to visit any licensed veterinarian in the US
Short wait periods for coverage and reimbursements
Cons
No customization options
No mobile app for convenience
Pros
90% coverage no matter your pet’s age
Allows you to visit any licensed veterinarian in the US
Short wait periods for coverage and reimbursements
Cons
No customization options
No mobile app for convenience
90% coverage no matter your pet’s age
Allows you to visit any licensed veterinarian in the US
Short wait periods for coverage and reimbursements
- 90% coverage no matter your pet’s age
- Allows you to visit any licensed veterinarian in the US
- Short wait periods for coverage and reimbursements
No customization options
No mobile app for convenience
- No customization options
- No mobile app for convenience
- ASPCA Pet Insurance
Compare ASPCA PlansWhen it comes to reputation, the ASPCA is well-known. In the insurance world, they are a real contender. They offer 90% reimbursement rates and a multi-pet discount to help with costs. Unfortunately, they also have a monthly transaction fee if you choose to make payments on your policy instead of purchasing upfront. The best thing about ASPCA, however, is the coverage. They cover a wide range of issues including congenital diseases, curable pre-existing conditions, and even microchipping. You’ll also learn that age is not a factor with the ASPCA and your pet will be covered for life if you purchase a policy.
The website for ASPCA pet insurance is quite difficult to navigate. For those new to pet insurance, this can be an issue. You’ll also find that they do have annual coverage limits. For pets who need lots of medical care, this can be an issue.
Compare ASPCA Plans
When it comes to reputation, the ASPCA is well-known. In the insurance world, they are a real contender. They offer 90% reimbursement rates and a multi-pet discount to help with costs. Unfortunately, they also have a monthly transaction fee if you choose to make payments on your policy instead of purchasing upfront. The best thing about ASPCA, however, is the coverage. They cover a wide range of issues including congenital diseases, curable pre-existing conditions, and even microchipping. You’ll also learn that age is not a factor with the ASPCA and your pet will be covered for life if you purchase a policy.
Pros
90% reimbursements
Multi-pet discounts
A wide range of illnesses covered
Lifetime coverage
Cons
Annual coverage limits
Difficult website to navigate
Monthly transaction fees
Pros
90% reimbursements
Multi-pet discounts
A wide range of illnesses covered
Lifetime coverage
Cons
Annual coverage limits
Difficult website to navigate
Monthly transaction fees
90% reimbursements
Multi-pet discounts
A wide range of illnesses covered
Lifetime coverage
- 90% reimbursements
- Multi-pet discounts
- A wide range of illnesses covered
- Lifetime coverage
Annual coverage limits
Difficult website to navigate
Monthly transaction fees
- Annual coverage limits
- Difficult website to navigate
- Monthly transaction fees
- Pets Best Pet Insurance
Compare Pets Best PlansIf you’re on a budget, Pets Best is a great insurance company to choose. Deductible rates start as low as $50 and top at $1,000. They even offer 70%, 80%, and 90% reimbursement rates. This company offers coverage not only in the US but also in Canada and Puerto Rico for those who travel with their Dachshund. There are multiple pet discounts available and a 30-day money-back guarantee. We also love that illness and accident exam fees are covered by the company and there are no age limits.
While there is no age limit for coverage, the price does increase as your pet ages. You’ll also find that Pets Best has increased waiting periods with some going as far as 14 days. The overall pricing, however, makes this a great provider to choose if you want affordable care for your pet.
Compare Pets Best Plans
If you’re on a budget, Pets Best is a great insurance company to choose. Deductible rates start as low as $50 and top at $1,000. They even offer 70%, 80%, and 90% reimbursement rates. This company offers coverage not only in the US but also in Canada and Puerto Rico for those who travel with their Dachshund. There are multiple pet discounts available and a 30-day money-back guarantee. We also love that illness and accident exam fees are covered by the company and there are no age limits.
Pros
Affordable pricing for all budgets
Wide range of deductible prices
High reimbursements
30-day money-back guarantee
Cons
Price increases as pets age
Long wait periods
Pros
Affordable pricing for all budgets
Wide range of deductible prices
High reimbursements
30-day money-back guarantee
Cons
Price increases as pets age
Long wait periods
Affordable pricing for all budgets
Wide range of deductible prices
High reimbursements
30-day money-back guarantee
- Affordable pricing for all budgets
- Wide range of deductible prices
- High reimbursements
- 30-day money-back guarantee
Price increases as pets age
Long wait periods
- Price increases as pets age
- Long wait periods
Buyer’s Guide: Comparing Pet Insurance Providers for Dachshunds
What to Look for in Pet Insurance for a Dachshund
Policy Coverage
When trying to choose the right pet insurance company for your Dachshund’s care, policy coverage is the most important factor to consider. That’s why we also put policy coverage at the top of our list when comparing potential insurance providers. You’ll notice that most pet insurance companies offer either an accident-only policy or illness coverage. In some instances, you may even find companies that combine the two, calling it comprehensive coverage.
While you may think grabbing the most affordable coverage policy is the way to go, trust us, it’s not. Before you purchase any policy, no matter the cost, you should know everything that is covered. It’s also important to note that many companies do not offer wellness or preventative care as part of their normal policy. What does this mean for you and your pet? It means if you want help with routine veterinarian visits you’ll need to add it on along with other extras you feel your Dachshund needs.
Customer Service & Reputation
A customer service department that not only listens to your needs but shows a bit of empathy in the process is one you want to work with. Luckily, each of the pet insurance providers we’ve discussed in this comparison has great customer service representatives with good ratings. The only true issues are some of the websites. A few of them are hard to navigate and not all of the pet insurance providers provide apps to make contact easier. We suggest you learn how to best contact customer service as soon as you choose a provider so you’ll be prepared if you need to reach out.
Claim Repayment
Fast claim repayment is another thing you should consider when choosing which pet insurance is best for you and your pet. Exactly how long can you wait for your reimbursement? It’s important to understand that payments will not happen instantly, however, most providers on this list make reimbursements in a decent time frame of 2 to 10 days. It is important to remember that a pet insurance provider must check your claim and see that it is covered by your policy before sending payment. For some companies, this process takes a bit longer than for others.
Other than speed of repayment, reimbursement rates are something you should consider. Some pet insurance providers on this list have high reimbursement rates of up to 90%. It’s even possible to get 100% reimbursement, but you will pay more monthly for that advantage. To choose the pet insurance plan that is best for you, reimbursement rates, monthly payments, and coverages should all go hand in hand.
Price of Policy
Policy pricing is possibly the first thing a pet owner will look at when choosing pet insurance. Yes, money is important in the grand scheme of things, but if you want the best coverage possible for your Dachshund, you should expect to pay for it.
There’s more involved than the monthly premium. You should completely understand your deductible rate, reimbursement rate, limits, and additional coverages. Most insurance companies charge extra for add-ons you feel your pooch needs. This means you’ll be paying more than the normal monthly cost. Luckily, you will find that many pet insurance providers on this list offer discounts you can utilize to make paying for coverage easier.
Plan Customization
As we’ve already mentioned, most Dachshund insurance providers offer structured policies you can choose from when you sign up. These policies don’t cover everything your pooch may need. That’s where having plan customization can be a huge advantage. If you feel your Dottie needs a wellness plan, customization will allow you to add it to your coverage. Always keep in mind, however, that the more customizations you do to your policy, the higher the costs will be.
Can I Get Pet Insurance Outside the U.S.?
Many of the providers in our comparison offer pet insurance outside of the United States. Canada and Puerto Rico are two locations mentioned in some coverage areas. You should also understand your insurance provider’s policy on traveling outside of the US with your pet. This will help you be prepared in the case of an emergency while you’re on vacation or visiting relatives.
What If My Insurance Company Is Not Listed In Your Reviews?
We can’t review every pet insurance company out there in one comparison so don’t be alarmed if the one you use isn’t listed. The providers on this list are the ones we feel stand out and provide the best options for a Dachshund. If you choose another provider simply research the things we mention in our buyer’s guide to help you understand what they provide and if they are a good fit for you and your Dottie.
Which Pet Insurance Provider Has The Best Consumer Reviews?
Each of the pet insurance companies on this list has great customer reviews. Of course, it’s impossible to make everyone happy so expect to find pet parents who have met with difficulties when it comes to understanding pet insurance. We do recommend, however, choosing a provider that makes it easy to get in contact with them so you’re prepared in the event you need to reach out.
What Is The Best And Most Affordable Pet Insurance?
The answer to this question depends on the needs of your Dachshund. If you’re looking for basic coverage, almost any company on this comparison will be great. For Dachshunds who need a bit more coverage, balancing your budget and their needs may seem to be a bit more difficult.
What the Users Say
Most of the reviews left for the pet insurance companies in this comparison are stellar. Unfortunately, you can’t please everyone. You will find reviews of pet parents who are upset that certain procedures weren’t covered or payouts took longer than they expected. This is normal. The key is to use reviews to help you find the companies that worked hard to help those pet parents understand why these things happened and maintained their professionalism throughout the process.
Which Pet Insurance Provider Is Best for Your Dachshund?
It’s difficult for us to tell you which pet insurance provider is best suited for your Dachshund. That decision is ultimately up to you as you know your pet’s needs are the best. However, we will say that all companies listed in this comparison are solid choices you could feel good about choosing. While every company has its good and bad points, we do feel that Lemonade, Embrace, and Healthy Paws are top-tier when it comes to the needs of a Dachshund. To choose the one best for your pet, weigh your needs and the options before you decide. Coverage, pricing, customer service, and customizations are all important parts of pet insurance. Make sure you find one that covers all those in the ways you feel comfortable.
Conclusion
Choosing the right pet insurance for your Dachshund is a difficult decision. With the rising costs of veterinarian care, it is an addition to your budget that can help in the long run. If you’re ready to cover your pet, take the time to research your options based on what you want in coverage and pricing along with what your Dachshund needs. This is the best way to choose a policy you’ll be comfortable purchasing. Hopefully, this comparison can make that a bit easier for you so you can spend more time pampering your pooch.
Featured Image Credit: Andrea Wong, Shutterstock
