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Dachshund running through a park
small Hound 7/10 — High Risk

Dachshund

Monthly $22–$45
Risk Score 7/10
Size small
CleverStubbornDevotedLivelyCourageous
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Dachshund at a Glance

Breed Characteristics

Lifespan

12–16 years

Weight

11–32 lbs

Height

5–9 inches

Exercise Needs

moderate

Grooming Needs

low

Trainability

moderate

Good with Kids

Yes

Good with Other Dogs

Yes

Apartment Friendly

Yes

Health Risks & Common Conditions

7 /10
Dachshund Health Risk Score

Intervertebral Disc Disease (IVDD)

Moderate

Dachshunds are the breed most affected by IVDD. Their long spines are prone to disc herniation, which can cause paralysis.

Avg. Treatment: $6,000

Obesity

High

Extra weight puts enormous strain on their long spines, dramatically increasing IVDD risk.

Avg. Treatment: $500

Dental Disease

Moderate

Prone to tartar buildup and periodontal disease requiring regular dental care.

Avg. Treatment: $800

Progressive Retinal Atrophy

Low

Gradual vision loss due to retinal degeneration. Genetic testing available for breeders.

Avg. Treatment: $1,500

Recommended Genetic Tests

  • IVDD Screening
  • PRA Test
  • Patella Evaluation

Insurance Costs for Dachshund

Monthly Cost

$22–$45

Avg. Annual Claim

$1,000

Claim Frequency

above_average

Suggested Deductible

$500

Coverage Highlights

IVDD surgery coverage is critical ($3,000-$8,000 per episode) Rehabilitation and physical therapy coverage Coverage for spinal conditions and paralysis care

Insurance Provider Comparison

Compare coverage, costs, and ratings from top pet insurance providers

Best Overall
L

Lemonade

4.5

Monthly Premium

$20 - $80

Deductible $100, $250, $500
Reimbursement 70%, 80%, 90%
Hereditary Coverage Covered
  • Fast claims processing via app
  • Customizable coverage plans
  • Affordable base premiums
  • Preventive care add-on available
  • No exam fee coverage on base plan
  • Limited availability in some states
  • Newer company with less track record
Get a Free Quote from Lemonade
Highest Rated
H

Healthy Paws

4.7

Monthly Premium

$25 - $90

Deductible $100, $250, $500, $750
Reimbursement 70%, 80%, 90%
Hereditary Coverage Covered
  • Unlimited annual and lifetime benefits
  • No caps on claim payouts
  • Fast claim processing (2-3 days average)
  • Covers hereditary and congenital conditions
  • No routine or preventive care coverage
  • No dental coverage
  • Longer waiting period for accidents than competitors
Get a Free Quote from Healthy Paws
Best for Comprehensive Coverage
E

Embrace

4.6

Monthly Premium

$25 - $85

Deductible $200, $300, $500, $750, $1000
Reimbursement 70%, 80%, 90%
Hereditary Coverage Covered
  • Diminishing deductible (decreases $50/year with no claims)
  • Covers exam fees
  • Dental illness coverage included
  • Wellness Rewards add-on for routine care
  • Annual limits (no unlimited option)
  • Premiums can increase with age
  • Orthopedic conditions have 6-month waiting period
Get a Free Quote from Embrace
Best for Exotic Pets
N

Nationwide

4.2

Monthly Premium

$30 - $100

Deductible $250, $500, $750
Reimbursement 50%, 70%, 90%
Hereditary Coverage Covered
  • Whole Pet plan covers wellness and illness
  • Only major insurer covering exotic pets
  • Employer-sponsored plans available
  • Long-established company since 1982
  • Higher premiums than competitors
  • Slower claims processing
  • Benefit schedule plans pay less than expected
  • 14-day waiting period for accidents
Get a Free Quote from Nationwide
Best for Large Breeds
T

Trupanion

4.5

Monthly Premium

$30 - $120

Deductible $0, $100, $200, $500, $1000
Reimbursement 90%
Hereditary Coverage Covered
  • 90% reimbursement on all plans
  • No payout limits per incident or lifetime
  • Direct vet payment option at many clinics
  • Covers hereditary and congenital conditions from day one
  • Only 90% reimbursement option (no 70% or 80%)
  • No wellness or routine care coverage
  • 30-day waiting period for illnesses
  • Higher premiums overall
Get a Free Quote from Trupanion
Best Value
P

Pets Best

4.4

Monthly Premium

$18 - $75

Deductible $50, $100, $200, $250, $500
Reimbursement 70%, 80%, 90%
Hereditary Coverage Covered
  • Very affordable base premiums
  • Low deductible options starting at $50
  • Fast claims processing (5 days average)
  • BestWellness plan for routine care add-on
  • No dental coverage
  • Customer service can be slow
  • Lower annual limits on budget plans
  • Premium increases with age can be significant
Get a Free Quote from Pets Best

Protect Your Dachshund Today

With a higher-than-average health risk profile, having the right insurance plan can save you thousands in unexpected vet bills.

Without Insurance

$1,890 /year estimated
  • Full cost of emergencies out of pocket
  • Difficult financial decisions during crises
  • Unpredictable veterinary expenses
Recommended

With Insurance

$540 /year estimated
  • Up to 90% of vet bills covered
  • Peace of mind for emergencies
  • Predictable monthly expenses
Get Your Free Quote

Plans from as low as $22/month

Compare quotes from top providers: Lemonade Healthy Paws Embrace Trupanion Pets Best View All →
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Frequently Asked Questions About Dachshund Insurance

Yes, most pet insurance plans cover IVDD as long as it's not a pre-existing condition. IVDD surgery costs $3,000-$8,000, making comprehensive insurance essential for Dachshund owners.
Dachshund pet insurance typically costs $22-$45 per month. Premiums are higher than average for small breeds due to the high IVDD risk.
Intervertebral disc disease (IVDD) is the most significant health risk. About 25% of Dachshunds will experience some form of IVDD in their lifetime, and severe cases can cause paralysis.