Best Beagle Pet Insurance of 2022

Lisa Scott

For some, a dog is more than just a pet. It becomes a part of their family and a significant member that provides them companionship and love. To keep your Beagle healthy and safe, consider getting pet insurance coverage for them to ensure they’re well taken care of and have access to medical care. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement Rates

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is pet insurance worth it for a Beagle?

As a pet owner, you want to make sure your Beagle is healthy and happy throughout their life. While taking care of Beagles is relatively easy, there are situations where you may not be able to care for your Beagle yourself.

At some point, you will need to take your Beagle to the veterinarian whether it’s for a check-up or for a medical emergency. Although necessary, visits to the veterinarian can be extremely expensive, especially if your dog requires further treatment. Without medical coverage, it can be difficult to prioritize your Beagle’s health treatments. 

With pet insurance, medical treatments can be more affordable for your Beagle. Treating illnesses and injuries as soon as possible is one of the best ways to prevent them from coming back, or from getting worse. By getting pet insurance coverage for your dog, you can get the treatment right away without the worry of a financial burden afterward.

Common health conditions for a Beagle

On the whole, Beagles are healthy breeds that can be well taken care of with regular exercise and the right diet. However, they are prone to certain medical conditions that can have a serious impact on their health. The following are some conditions that may appear in your Beagle:

  • Obesity: Beagles have a tendency to become obese, especially if they are not taken out for exercise regularly. Obesity can lead to other serious health issues, including the weakening of joints and digestive issues.
  • Glaucoma: this can develop in Beagles’ eyes rapidly, causing them significant vision issues. If not treated, it can lead to complete loss of sight in the affected eye(s).
  • Diabetes: Beagles are susceptible to developing diabetes, which prevents them from being able to regulate their blood sugar. Diabetes treatment is intensive but is life saving if treated as soon as possible.

Beagles are also prone to certain joint injuries from exercising. Hip and elbow dysplasia are common for Beagles and require surgery and potentially hip replacements to help treat.

What does pet insurance cover for a Beagle?

Pet insurance covers a range of treatments for Beagles. Depending on the type of pet insurance you have, you may be eligible for injury-only, illness-only, or a combination of both illness and injury treatments. Some of the most common things pet insurance covers include:

  • X-rays and diagnostic tests: to determine what is wrong with your dog, your veterinarian may request x-rays and/or diagnostic tests. Pet insurance will help cover the cost of these tests.
  • Accidents: If your Beagle gets into an accident and injures itself, it may need to be hospitalized or require surgery to treat. Pet insurance will cover the cost of staying in a hospital, surgery, and aftercare.
  • Hereditary conditions: some dogs are susceptible to hereditary conditions, which may require treatment as your Beagle ages. Getting pet insurance coverage will help to cover the costs of these treatments.

While basic pet insurance covers a range of health conditions for Beagles, they often do not cover preventive treatments or routine care. To receive coverage for these types of treatments, you will either need to take advantage of add-on options for your pet insurance plan, or get a separate plan altogether.

How are pet insurance premiums determined for a Beagle?

Pet insurance premiums vary depending on the provider and on the details of the insurance plan. For each provider, the overall insurance premium plan will largely be determined based on unique factors about the dog:

  • Gender: most pet insurance plan premiums are more expensive for male dogs as opposed to female dogs. Male dogs are more likely to develop serious health issues.
  • Medical history: Beagles that have a history of medical issues are also more likely to have a higher overall insurance premium for coverage. This is due to the fact that they will need more medical treatments than the average dog, resulting in more expensive coverage.
  • Age: older dogs are more likely to develop medical problems resulting in frequent medical treatment. You can expect a higher overall coverage premium for an older Beagle.

How to choose the best pet insurance plan for a Beagle

There are lots of options available for pet insurance coverage for Beagles. To help you choose the right plan for your dog, be sure to consider the following:

  • Budget: pet insurance plans vary based on what they cover, as well as the deductible and coverage caps available. To help you narrow down your options, determine a budget you are comfortable with while doing your research.
  • Read customer reviews: most pet insurance plans have reviews from current customers. Be sure to read these reviews to see what you can expect from the provider, their claims process, and customer service needs.
  • Consider your dog’s breed: different breeds are more susceptible to certain medical conditions. As you’re doing your research, be sure to look into treatments that a Beagle may require down the road, and confirm your potential insurance provider will cover these treatments.