From the moment you first bring your new pup home, you want to do everything you can to keep them safe and happy. Sadly, no matter how many precautions you take and how careful you are, things can go wrong. Dogs, like people, can get sick at a moment’s notice. One of the best ways to prepare for this is by purchasing pet insurance for your dog. Dachshunds, like all dogs, need insurance to guarantee that you will be able to afford the rising costs of veterinary bills should the worst happen.
How does dog insurance work?
Dog insurance works pretty much the same way as any other type of insurance. You pay a monthly premium and if anything should happen to your dog the insurance company will pay either all of the bill or a large contribution of it. This way you can break down the cost of caring for your dog throughout the year. There are various prices, policies, and levels of cover to suit many people’s individual needs. Not all illnesses are covered by every policy. For example, your policy might not cover the treatment for dental diseases but would pay for surgery from a car accident. Some policies can even cover court settlements should your dog bite someone. Though that is far less common.
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The cost of modern veterinarian medicine:
The cost of modern veterinarian medicine is not cheap. It has steadily risen with all other health care costs in the United States. This can make simple procedures unrealistically expensive for many people. For example, radiation therapy for dogs with cancer can cost between $5-10k. Major surgeries will cost at least $3000 and that’s not even taking into account medication and potential therapy. Pet insurance for dogs is not just recommended for dog owners but is a necessity.
How much is the average pet insurance a month?
Pet insurance can cost just $30-$40 a month. Which, when you consider the cost of a single surgery, makes it the most logical choice. It can seem a little harsh, betting that your dog will get ill, but it’s not. It is just a numbers game, the odds are your dog will get ill or need surgery at some point in their life. Dachshund pet insurance can be a little higher than other dog breeds. Dachshunds are hunting dogs, they were bred to be somewhat aggressive. This can lead to a rise in insurance costs in some cases, though not always.
Is pet insurance worth it?
For most people, yes, pet insurance is certainly worth it. Most people can’t handle a sudden $5000 medical bill for themself or their pets. One of the leading causes of dogs being put down is people not being able to afford the necessary procedures. The cost of pet insurance is going to be far less overall than just paying the bill outright. If you find yourself struggling to justify $10-$15 a week for pet insurance you might want to reconsider getting a dog altogether. If you can’t afford that, how are you going to afford the alternative?
How to choose the best pet insurance for your dachshund?
You will want to consider many things when choosing the best pet insurance for your dachshund. There are so many different policies and types of coverage, not all will be well suited for you. There is more to consider than simply your budget. Here are some things you may want to think about:
Decide how much pet insurance coverage you want:
The first question you need to ask yourself is how much coverage do you want or even need? If you have a young puppy, you may want a more comprehensive plan. Puppies are more prone to getting sick or injured as they are not yet fully developed. If your dog is middle-aged, you may not need such a comprehensive plan. A basic one might do just fine.
Ask Your Veterinarian for Advice:
It is always a good idea to ask your veterinarian what they recommend. They will be able to point you in the right direction. They do not get a cut of the sale of insurance so you know that they are being genuine with their advice.
Compare Pet Insurance Basic Plan Options:
There are so many different insurance companies out there, it is a good idea to directly compare their basic plan options. It is important to look closely at what they don’t cover, just as much as what they do. If you have a dog with a very poor hip score, getting an insurance policy that doesn’t cover hip dysplasia is bad.
Examine the cost of extras:
Perhaps you want to include some extra coverage on your policy. Like, grooming costs or dental. You should compare how much it would cost to add these extras for your dog. The price for these extras can vary a lot from company to company.
Research a Provider’s Credibility:
Sometimes insurance policies may seem too good to be true. So much coverage for such a low price should raise some red flags. By doing a quick Google search of various insurance company’s track records you can assess how trustworthy they are. There is no point in paying for an insurance policy that won’t pay out when the time comes.
Enroll Your Dog When it’s Young and healthy:
Pre-existing medical conditions are rarely covered by insurance policies. This means you need to get an insurance policy as soon as possible. If you choose to wait until your dog is already sick/injured, you will have to pay for the insurance and all of the medical bills.
Best Pet Insurance for Dachshunds
Embrace pet insurance is one of the best on the market. They specialize in providing coverage for unexpected accidents and illnesses. They are a very highly rated company and offer very fair prices. The cost of insurance or your dog may vary, so it is important to request a quote yourself to find an exact price. On average for a basic policy, you might expect to pay $15 a month.
- They cover all accidents and unexpected illnesses
- They offer an extra option to cover things like grooming and flea treatments
More info: embracepetinsurance.com
Trupanion is one of the most popular insurance companies and for a good reason. They don’t increase the price as your dog ages as so many other companies do. This means getting a policy with them when your Dachshund is a puppy will save you a lot of money in the long run. As always, the price will vary from dog to dog.
- No increase in policy cost
- Good reviews and testimonials
More info: trupanion.com
Pet assure is one of the only insurance providers that will cover dental costs. They also cover a wide array of unexpected bills and general procedures. They cover spaying and neutering so getting this policy as soon as possible is a good idea. It is also far more affordable than many alternatives, even Dachshunds may cost as little as $15 a month. But, they will only cover 25% of the costs. The advantage is they won’t dispute any claim, no matter what they will pay out directly. You just show your card at the vet’s office and they will give you 25% off.
- Cover dental
- Good price
More info: petassure.com
Healthy paws boast that they are the number 1 rated pet insurance company. Their glowing reviews back this claim up. Their plan is easy to understand, as there are no addons. The price is determined entirely by the breed of the dog and its age. Their policy also works with any vet’s office in the country. The price is about $20 a month on average.
- Simple to understand the policy
- Works with any vets office
More info: healthypawspetinsurance.com
The pet plan policy is last on this list, but not least. Their policy typically costs about $125 a year making it one of the most affordable options on this list. They also cover far more than many of the other policies. For example, they will pay the legal bill if your dog bites someone. This is a good policy to have if you have a Dachshund.
- Great price
- Comprehensive policy
More info: gopetplan.com
Hopefully, you now have a good idea about the value of having a good insurance policy. Any of the five insurance companies on this list would make good choices, which one is best for you and your dog may take a little more research. The price varies from dog to dog, so you will need to seek a quote from them directly to make a clear comparison. Dachshund pet insurance will typically cost a little more so it is important to specify that you are enquiring about this particular breed, or your quote won’t be accurate.