Pet Insurance For Dachshunds


Bryan Huynh

- Updated February 21, 2024

Key Takeaways

  • Learn about the health considerations for Dachshunds, along with pet insurance considerations
  • Explore the potential costs of pet insurance for Dachshunds, specific pet insurance providers, how to navigate the system, and alternative insurance options
  • Learn about the real-life benefits of pet insurance for Dachshunds, financial planning, and expert advice on specific care
Pet Insurance For Dachshunds

Dachshunds are one of the most popular dog breeds, and for good reason. These adorable wiener dogs are extremely energetic and playful, making them a top choice among families and individuals alike.

But like many breeds, dachshunds have a unique set of health needs, which is why it’s important for owners to purchase insurance. In this blog, we’ll explore some of the health conditions dachshunds are at risk for and how owners can keep their pets healthy and happy for years to come.


Understanding Dachshunds’ Health Risks

Unfortunately, despite their cuteness, dachshunds are prone to several health conditions. Here’s a look at some of the most common.

Intervertebral Disc Disease (IVDD)

[IVDD affects up to 25% of dachshunds.](https://www.ufaw.org.uk/dogs/dachshund-intervertebral-disc-disease#:~:text=Intervertebral%20Disc%20Disease%20(IVDD)&text=Outline%3A%20Many%20Dachshunds%20(approximately%2025,to%20the%20spine%20and%20paralysis.) Their elongated backs and short legs predispose them to premature spinal disc aging. This degeneration can result in vertebrae and disc brittleness; mirroring slipped or ruptured discs in humans.

IVDD-related injuries can be horribly painful for dogs and potentially lead to permanent spinal damage and paralysis. Dr. Maren Krafchik of the ASPCA Animal Hospital says, “For some dogs, no matter what an owner does, they may still have IVDD.”

Although the condition isn’t entirely preventable, owners can take a few precautions, such as weight management and limiting high-impact activities.


Obesity is one of the primary risk factors for IVDD. In addition to putting undue stress on the spine, excess pounds can also lead to arthritis.

Needless to say, you’ll want to keep your pooch a little less “poochy.” Choose healthy foods and make sure they get regular exercise. While daily walks are important for all dogs, they’re especially vital for obesity-prone breeds like dachshunds.

Dental Issues

There are several problems that can arise with dachshunds’ dental structure. Crowding is one of the most common. This can lower their defenses against periodontal disease, trapping food and plaque and ultimately leading to infection.

The good news is preventing periodontal disease can be as simple as giving your dog dental chews. These remove plaque and debris from the mouth the natural way and can save you hundreds on professional teeth cleanings.

Eye Conditions

As if IVDD, obesity, and dental problems weren’t enough, your pup may also suffer from eye issues. These range from cataracts to glaucoma and can result in serious injury — and even permanent blindness — if not addressed promptly.

Be on the lookout for anything abnormal. Look for redness and other signs of irritation, and seek immediate medical attention if those signs persist. You might also consider adding a vision supplement or two to your dog’s diet.

Essential Coverage For Dachshund Pet Insurance

It’s clear that dachshunds need insurance to cover the host of health problems they’re at risk for, but where do you go from there? With so many different types of coverage available, choosing the right one can be tricky.

Hereditary and Congenital Condition Coverage

Whatever plan you decide on, be sure to choose one that covers hereditary conditions like IVDD. Examine the plan policy closely to make sure it covers everything from diagnostics to surgeries.

Preventative Care Inclusions

The saying “prevention is better than cure” couldn’t be more true when it comes to dachshunds. Investing in your dog’s health now can save you a lot of money down the road, so it’s a good idea to choose a plan that includes robust preventative care like dental cleanings and eye screenings.

Veterinary Perspectives on Policy Features

Ultimately, there’s no one-size-fits-all solution when it comes to pet insurance. Experts recommend looking for plans that meet the needs of your dog, accounting for basic must-haves like preventative care and IVDD coverage.

Pricing Dynamics: Pet Insurance Costs For Dachshunds

Age, health history, location, and location all affect insurance rates. The amount you’ll pay depends heavily on your dog and their specific health needs.

On average, the cost of Dachshund insurance in the United States ranges from $45 to $60 per month, though some plans can be purchased for as low as $20 per month. Why so much variation in price? Dachshunds are more prone to back injuries, which makes them slightly more expensive to insure than some other breeds​​.

Lemonade Pet Insurance offers a standard plan that costs about $25 per month, with a reimbursement amount of 90% and an annual benefit of $20,000. Embrace Pet Insurance is another popular plan that costs between $32 and $48 monthly.


Comparative Analysis of Insurance Providers

Cost is just one piece of the puzzle when it comes to insuring your dog. There are a number of other critical factors to consider as well, including plan extras and customization. Here’s a more detailed breakdown of some of the most popular providers and what they offer.

Lemonade Pet Insurance

Consistency ranked as the best overall insurance for dachshunds; Lemonade offers affordable plans with short waiting periods for injuries and congenital and hereditary condition coverage. Their base plan costs $32.12/month, but more comprehensive packages are available, too.

Fetch Pet Insurance

Fetch is another great option for dachshunds. With plans starting at just $35 a month, those seeking breed-specific care are in luck. However, their plans lack options for routine and wellness care. Fetch also requires a 15-day waiting period for coverage initiation.

Healthy Paws Pet Insurance

Looking for something a little more premium? Consider Healthy Paws. While their plans are a bit pricier (at over $80 per month), they offer unlimited annual payouts and cover hereditary and congenital conditions. Like Fetch, Healthy Paws’ plans do not cover routine care.

Embrace Pet Insurance

Embrace offers a base plan for $39 a month — a great choice for those on a budget. They cover a range of conditions and feature diminishing deductibles but charge an administration fee and monthly installment fees.

Real-World Cases: Insurance Impacts on Dachshund Health

There’s no better way to learn about dachshunds’ health issues than firsthand. Talk to other owners and see what challenges they’ve faced in terms of their dogs’ health and how insurance — or the lack thereof — impacted treatment. Ask about:

  • Financial Considerations: Cushing’s disease, a condition common in Dachshunds, can cost up to $10,000 to diagnose and treat​. Thankfully, you can avoid these financial pitfalls by insuring your dog. Ask around for tips on choosing an insurance plan and what owners typically pay out of pocket for treatment.
  • Emergency Care: It's estimated that one in three pets in the U.S. require emergency treatment each year. What happens when these emergencies fall on the uninsured? Usually, disaster. Join dog owner support groups and other venues for eye-opening stories on being uninsured during a health emergency.

Long-Term Financial Considerations

With all the health conditions these dogs are at risk for — and the cost to insure them — you may wonder: is owning a dachshund even worth it? Getting a dog, especially one with specialized needs, is a huge commitment.

Here’s what to consider when determining whether a dachshund is the right breed for you.

Cost vs. Benefit Analysis For Dachshunds

  • IVDD Treatment: Surgery can cost between $1,500 to $4,000, with MRI scans typically around $3,000.
  • Epilepsy Management: Treatment ranges from $200 to $15,000, but it really depends on the severity of the condition and the required ongoing medication.
  • Other Health Issues: Cataract surgery, common in older Dachshunds, costs approximately $2,700-$4,000.

But don’t panic! Insurance can help offset these costs. Here’s how:

  • Financial Security: Pet insurance covers up to 90% of medical expenses, significantly reducing out-of-pocket costs.
  • Comprehensive Care: With insurance, owners are more likely to seek timely and comprehensive treatment, improving the dog's quality of life.
  • Peace of Mind: If nothing else, insurance can offer you peace of mind, knowing that you’re covered in the event that some large veterinary bill pops up.

Budgeting for Unexpected Health Issues

If you get a dachshund, you’ll need to budget for insurance premiums on a monthly basis. You should also think about creating an emergency fund specifically for pet health care. Always be prepared for the unexpected.

Before selecting an insurance policy, make sure it covers breed-specific conditions like IVDD. Opt for plans that offer lifetime coverage for chronic conditions and consider whether or not paying a higher monthly premium is worth more robust coverage.

Beyond Standard Insurance: Exploring Alternatives

While the benefits of insurance are unquestionable, it’s also worth considering alternative options, like breed-specific health funds and wellness programs. Health funds are typically organized by breed clubs or associations and offer support for conditions common in dachshunds.

Your best bet is combining both traditional insurance and alternative wellness programs to keep your dog as healthy as possible. Insurance can be expensive, but it will protect your dog if their health goes south; likewise, wellness funds and programs offer a nice cushion but don’t provide the comprehensive coverage of standard insurance plans.

So why not take the best of both worlds?


Expert Panel Discussion: Diverse Perspectives

Insurance is a must-have, but don’t take our word for it. Hear from the experts on why you should insure your dog:

Heather B. Loenser, DVM, Veterinary Advisor at the American Animal Hospital Association, says, “Thanks to pet insurance, I’ve been able to provide intensive, emergency care to pets whose owners wouldn’t have been able to afford otherwise the care their pet needed to make a full recovery.”

“There’s really no age preference that determines when you should or shouldn’t get pet insurance,” Lisa Theriault, founder of Your Dog’s Health Matters, chimes in. “The main thing is to get insurance while your pet is still healthy. Keep in mind that purebred dogs sometimes carry genetic complexities that put them at higher risk for diseases…”

Executive director of Motley Zoo Animal Rescue, Jamie Thomas, emphasizes the importance of purchasing insurance early on. “Pet insurance is always a good idea unless you really do have a few thousand set aside for an emergency. The best time to get insurance is when you have a young pet with no pre-existing conditions…”

The vote is pretty unanimous: pet insurance is necessary to keep your pet healthy and your finances in check. Experts across the board agree that insuring your dachshund is the best way to promote wellness and longevity, which is what all pet owners ultimately want for their animals.

Navigating Insurance Claims For Dachshunds

Okay, so you’ve got your insurance, but what happens when you need to file a claim? Follow these steps for a smooth filing process:

  1. Gather the Necessary Documents: Before filing a claim, collect all essential documents, including your policy details, veterinary records, itemized invoices, and insurance claim forms.
  2. Check Your Policy Details: Review your insurance policy to understand what conditions and treatments are covered. Pay special attention to any exclusions, especially for hereditary or congenital conditions that dachshunds are prone to.
  3. Contact Your Insurance Provider: Get in touch with your insurance company as soon as possible, as claims usually need to be made within a specific timeframe.
  4. Provide Detailed Information: When filling out the claim form, include detailed information about your dog, the incident, and the treatment received.
  5. Submit Supporting Documents: Attach all supporting documents and relevant receipts. Make sure these documents clearly detail the services provided and the costs incurred.
  6. Submit the Claim Form: After checking that all information and documents are accurate and complete, you’re ready to go! Keep copies of all submitted documents until the claim is resolved​​.

Here are some additional expert tips for making a successful claim:

  • Submit Claims Promptly: File your claim as soon as possible, especially if it’s your first time doing so. Be aware of your provider's claim expiration window.
  • Provide Complete Medical Records: Always include your pet’s full medical history with your claim. This is especially important for dachshunds, given their susceptibility to certain health conditions.
  • Stay Proactive in Communication: Keep in touch with your insurance provider throughout the claim process. If there are any delays or issues, contact them to resolve any hold-ups. This proactive approach can expedite the reimbursement process.


Owning a dachshund can be extremely rewarding, but they require a certain level of care. By participating in wellness programs and finding a good insurance plan, you can keep your dog healthy and avoid many of the problems this breed is susceptible to.

Whatever your situation, be sure to make informed decisions based on expert advice and research. Your dog will thank you for it.

About The Author

Bryan Huynh

Bryan Huynh

Product Tester & Writer

Bryan Huynh is a dedicated Product Tester & Writer. Just as insurance has your back, Bryan works to review and inform you about the wide range of insurance products available, ranging from business, auto, health, home, pet, to life insurance.

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