Home/Insurance/Dog/Dachshund

Dachshund Insurance Guide

Everything you need to know about insuring your Dachshund—costs, coverage, and breed-specific health risks to consider.

Estimated Monthly Cost

$40 - $70

$480 - $840 per year

Health Risk: MediumSize: Small

Why Dachshunds Need Insurance

Dachshunds have moderate base premiums but higher-than-average claim rates due to IVDD.

•IVDD (Intervertebral Disc Disease) affects up to 25% of Dachshunds—the highest of any breed

•Their long spine and short legs create unique structural vulnerabilities

•Obesity dramatically increases IVDD risk

Dachshund Health Conditions to Cover

Dachshunds are prone to certain health conditions. Make sure any policy you choose covers these conditions without breed-specific exclusions:

Thyroid IssuesObesityHeart Conditions

Important: Once a Dachshund has any back issue, it becomes a pre-existing condition. Insure EARLY.

Recommended Coverage for Dachshunds

IVDD coverage is essential. Surgery runs $3,000-8,000, and many Dachshunds need it. Get insured before any back issues appear.

✓Look For

• Hereditary condition coverage
• No breed-specific exclusions
• Unlimited or high annual limits
• Low deductibles for chronic conditions

✗Avoid

• Policies with breed restrictions
• Long waiting periods for orthopedics
• Per-condition limits (caps quickly)
• Policies that exclude "breed-typical" issues

When to Insure Your Dachshund

🏆

Ideal: 8-16 Weeks OldMaximum coverage before any pre-existing conditions develop. Lowest premiums.

👍

Good: Under 1 YearMost hereditary conditions like hip dysplasia haven't shown symptoms yet.

⚠️

Possible: 1-7 YearsStill valuable, but vet records may reveal pre-existing conditions that won't be covered.

😓

Difficult: 7+ YearsHigher premiums, more exclusions. Accident-only policies may be the only option.

Frequently Asked Questions

Is pet insurance worth it for a Dachshund?

Yes. Dachshunds are considered Medium risk. Dachshunds have moderate base premiums but higher-than-average claim rates due to IVDD. IVDD coverage is essential. Surgery runs $3,000-8,000, and many Dachshunds need it. Get insured before any back issues appear.

What health issues should Dachshund insurance cover?

Dachshunds are prone to Thyroid Issues, Obesity, Heart Conditions. IVDD (Intervertebral Disc Disease) affects up to 25% of Dachshunds—the highest of any breed

How much is pet insurance for a Dachshund?

For a healthy Dachshund, expected monthly premiums range from $40 to $70. Costs vary based on age, location, and deductible choices.

What if my Dachshund already has a health condition?

Pre-existing conditions are typically not covered by pet insurance. That's why insuring early (ideally as a puppy or kitten) is crucial for Dachshunds. Conditions diagnosed before coverage begins will be excluded. Some insurers offer coverage for "curable" pre-existing conditions after a symptom-free waiting period.

✓

Breed-Specific Analysis

This guide contains insurance insights specific to Dachshunds, based on breed health data and veterinary research.

Full ProfileDachshund Breed Guide →Ownership CostFull Cost Breakdown →