Best Miniature Dachshund Pet Insurance of 2022

Lisa Scott

A loyal and clever dog, the Miniature Dachshund makes an ideal family companion. Pet insurance can help keep them happy and healthy without the worry of financial distress when unexpected vet expenses occur. 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 Miniature Dachshund? 

As dog owners, it’s our responsibility to ensure the health and happiness of our pets. Unfortunately, the possibility of an accident or an illness is almost inevitable at some point in your dog’s life, and this can require visiting the vet for medical treatment.

With a life span of 12 – 16 years, the Miniature Dachshund can be susceptible to various health conditions. It’s a good idea to assess your finances and consider whether you can cover the cost of an emergency. If the answer is no, pet insurance may be worth considering. 

Investing in pet insurance can help provide the safety net you need during an emotional and stressful situation where your dog falls sick and requires medical attention. As out-of-pocket expenses can easily run into thousands of dollars, pet insurance can help cover the costs of diagnostics and treatments. 

Common health conditions for a Miniature Dachshund 

Miniature Dachshund can be subject to many health conditions. Here are some common health issues your dog can experience:

  • Intervertebral Disc Disease (IVDD): A common health condition for the Miniature Dachshund is back problems, mainly due to hereditary qualities. Depending on the symptoms, treatment can involve medication or in serious cases, keeping the dog in a wheelchair. 
  • Epilepsy: Seizures are common amongst the Miniature Dachshund. Your vet can recommend the appropriate treatment. 
  • Gastric Dilation-Volvulus (GDV): Also known as bloating, it can affect the Miniature Dachshund due to their deep chests. This is where the stomach twists and blood flow to the heart can be hindered. 
  • Dog Diabetes Mellitus (DM): Common if your dog is overweight, it can be treated with doses of insulin. 

What does pet insurance cover for a Miniature Dachshund? 

Pet insurance can cover a range of diagnostics, treatments, and medication to help keep your Miniature Dachshund happy and in good health. Based on your plan, you could be eligible for the following coverage:

  • Injuries and sickness: If you have an accident and illness policy, pet insurance can help cover the cost of treatments related to injuries that occur during accidents and sicknesses such as infections. 
  • Breed-specific conditions: As the Miniature Dachshund can be susceptible to hereditary conditions, these can be covered by your policy. Breed-specific conditions can include genetic conditions, congenital conditions, chronic conditions, hip dysplasia, and knee injury.
  • Alternative therapies: Sometimes alternative treatments may be required to help your dog recover from sickness or injury. Treatments such as physical therapy, acupuncture, and hydrotherapy can be included under your pet insurance plan. Be sure to read the fine print before purchasing your policy as the precise therapies offered can differ between insurers. 
  • Tests and diagnostics: Before a treatment plan can be put into place, your dog may require x-rays, ultrasounds, MRI scans, CT scans, blood tests, and urinalysis.  

There are typically three types of policies to choose from. These are accident-only, accident and illness, and wellness check-ups. Accident-only has limited coverage compared to accident and illness coverage, but can also be a cheaper option. Wellness check-ups will help cover the costs of routine vet visits and preventative care such as vaccinations.  

How are pet insurance premiums determined for a Miniature Dachshund? 

Many different factors determine the cost of your pet insurance coverage. Some of these factors include:

  • Age: The age of your dog is a significant factor in determining your insurance premium as older dogs can be more susceptible to health conditions and have longer recovery times. Younger dogs will be cheaper to insure. 
  • Breed: As certain breeds can be subject to genetic health conditions, they can be more costly to insure. 
  • Reimbursement rate: The reimbursement rate can be adjusted to make the plan more affordable or provide more extensive coverage. Although, be mindful that a lower reimbursement rate will result in larger out-of-pocket expenses.  
  • Pre-existing conditions: If your dog has pre-existing conditions, this can increase your premium, and depending on the condition some insurers may refuse to insure your dog. 
  • Add-ons: You can choose to increase your coverage by including various add-ons into your policy. Common add-ons include routine check-ups, dental coverage, and behavioral therapy. 

How to choose the best pet insurance plan for a Miniature Dachshund

Shopping around for the best pet insurance plan for your Miniature Dachshund can be time-consuming and challenging. Here are some key factors to keep in mind when choosing your plan:

  • What isn’t covered: Almost all policies will have exclusions. Common exclusions can include cosmetic treatment, pre-existing medical conditions, teeth cleaning, microchipping, pregnancy or birth, preventable diseases, grooming services, and death. There may also be specific exclusions for certain breeds. 
  • Waiting periods: If your dog has an accident during the waiting period, pet insurance is unlikely to provide coverage. Be mindful to read the terms and conditions thoroughly to ensure that you’re aware of the effective date of your policy. Depending on the coverage type, waiting periods can vary from 3-days for accidents to 6-months for knee injuries. 
  • Take out adequate coverage: Depending on your budget, you may need to balance affordable premiums with your coverage level. You can adjust deductibles and reimbursement rates to help lower the cost of your premium. In addition, you can choose less extensive coverage such as an accident-only policy, to lower your insurance costs.