AKC is the best pet insurance provider for Dachshunds due to its strong customer satisfaction scores and comprehensive coverage options. Other top-rated options include Pets Best, Rainwalk and Lemonade.
Dachshund Insurance
Updated: November 10, 2025
Advertising & Editorial Disclosure
Key Takeaways
AKC is the best pet insurance company for Dachshunds, offering strong coverage and service quality.
Pumpkin offers the cheapest pet insurance rates for Dachshunds, with average rates of around $27 monthly for standard protection.
Pet insurance costs $85 per month on average for Dachshunds, making them the 165th most expensive dog breed to insure.
Best Dachshund Pet Insurance Companies
*Pet insurance coverage varies by state and provider. Rates shown are estimates; actual costs vary based on your pet's age, health and location. Coverage exclusions and waiting periods apply. Consult individual providers for specific terms.
Discover the best pet insurance options for your Dachshund across different situations:
AKC
Best for Dachshunds
MoneyGeek Rating
4.5/ 5
4.3/5Affordability
4.4/5Customer Experience
5/5Coverage Points
Average Monthly Rate
$43Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Dachshund Pet Insurance by State
AKC leads Dachshund insurance coverage in all 50 states nationwide. Rainwalk follows as the second-best option, ranking highest in several states including Illinois, Michigan and Utah.
| Alabama | AKC | 4.45 |
| Alaska | AKC | 4.45 |
| Arizona | AKC | 4.45 |
| Arkansas | AKC | 4.50 |
| California | AKC | 4.50 |
| Colorado | AKC | 4.45 |
| Connecticut | AKC | 4.45 |
| Delaware | AKC | 4.45 |
| Florida | AKC | 4.50 |
| Georgia | AKC | 4.45 |
| Hawaii | AKC | 4.45 |
| Idaho | AKC | 4.45 |
| Illinois | AKC | 4.45 |
| Illinois | Rainwalk | 4.45 |
| Indiana | AKC | 4.50 |
| Iowa | AKC | 4.45 |
| Kansas | AKC | 4.45 |
| Kentucky | AKC | 4.50 |
| Louisiana | AKC | 4.45 |
| Maine | AKC | 4.45 |
| Maryland | AKC | 4.45 |
| Massachusetts | AKC | 4.45 |
| Michigan | AKC | 4.40 |
| Michigan | Rainwalk | 4.40 |
| Minnesota | AKC | 4.45 |
| Mississippi | AKC | 4.50 |
| Missouri | AKC | 4.45 |
| Montana | AKC | 4.50 |
| Nebraska | AKC | 4.45 |
| Nevada | AKC | 4.45 |
| New Hampshire | AKC | 4.45 |
| New Jersey | AKC | 4.45 |
| New Mexico | AKC | 4.50 |
| New York | AKC | 4.50 |
| North Carolina | AKC | 4.45 |
| North Dakota | AKC | 4.50 |
| Ohio | AKC | 4.45 |
| Oklahoma | AKC | 4.55 |
| Oregon | AKC | 4.45 |
| Pennsylvania | AKC | 4.50 |
| Rhode Island | AKC | 4.50 |
| South Carolina | AKC | 4.50 |
| South Dakota | AKC | 4.50 |
| Tennessee | AKC | 4.45 |
| Texas | AKC | 4.50 |
| Utah | AKC | 4.40 |
| Utah | Rainwalk | 4.40 |
| Vermont | AKC | 4.45 |
| Virginia | AKC | 4.40 |
| Virginia | Rainwalk | 4.40 |
| Washington | AKC | 4.55 |
| West Virginia | AKC | 4.45 |
| Wisconsin | AKC | 4.40 |
| Wyoming | AKC | 4.50 |
*Rates are based on a 6-year-old Dachshund with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Cheapest Dachshund Pet Insurance Companies
Pumpkin offers the most affordable pet insurance for Dachshunds at $27 per month or $316 per year. Other budget-friendly providers include Pets Best, Lemonade, ASPCA and Figo.
| Pumpkin | $27 | $316 | 52% |
| Pets Best | $27 | $321 | 51% |
| Lemonade | $29 | $349 | 47% |
| ASPCA | $34 | $408 | 38% |
| Figo | $36 | $431 | 34% |
*Rates are based on a 6-year-old Dachshund with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pumpkin
Cheapest Pet Insurance for Dachshunds
MoneyGeek Rating
4/ 5
4.7/5Affordability
4.4/5Customer Experience
1.7/5Coverage Points
Average Monthly Rate
$27Overall Customer Sentiment
79% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
24/7 vet telehealth service included
Cheapest Dachshund Pet Insurance by State
Pumpkin offers the most affordable Dachshund insurance nationwide, ranking lowest in 50 states. Monthly premiums range from $18 to $35, depending on your location.
| Alabama | Pumpkin | $20 | 54% |
| Alaska | Pumpkin | $26 | 53% |
| Arizona | Pumpkin | $33 | 50% |
| Arkansas | Pumpkin | $18 | 54% |
| California | Pumpkin | $34 | 49% |
| Colorado | Pumpkin | $34 | 51% |
| Connecticut | Pumpkin | $31 | 51% |
| Delaware | Pumpkin | $27 | 52% |
| Florida | Pumpkin | $30 | 51% |
| Georgia | Pumpkin | $24 | 51% |
| Hawaii | Pumpkin | $27 | 53% |
| Idaho | Pumpkin | $27 | 51% |
| Illinois | Pumpkin | $33 | 50% |
| Indiana | Pumpkin | $24 | 51% |
| Iowa | Pumpkin | $23 | 53% |
| Kansas | Pumpkin | $24 | 52% |
| Kentucky | Pumpkin | $21 | 54% |
| Louisiana | Pumpkin | $22 | 53% |
| Maine | Pumpkin | $33 | 52% |
| Maryland | Pumpkin | $26 | 56% |
| Massachusetts | Pumpkin | $35 | 51% |
| Michigan | Pumpkin | $27 | 52% |
| Minnesota | Pumpkin | $28 | 51% |
| Mississippi | Pumpkin | $23 | 53% |
| Missouri | Pumpkin | $21 | 53% |
| Montana | Pumpkin | $22 | 53% |
| Nebraska | Pumpkin | $24 | 52% |
| Nevada | Pumpkin | $28 | 51% |
| New Hampshire | Pumpkin | $31 | 51% |
| New Jersey | Pumpkin | $30 | 51% |
| New Mexico | Pumpkin | $24 | 53% |
| New York | Pumpkin | $29 | 51% |
| North Carolina | Pumpkin | $24 | 53% |
| North Dakota | Pumpkin | $21 | 53% |
| Ohio | Pumpkin | $25 | 53% |
| Oklahoma | Pumpkin | $22 | 53% |
| Oregon | Pumpkin | $33 | 51% |
| Pennsylvania | Pumpkin | $28 | 52% |
| Rhode Island | Pumpkin | $23 | 52% |
| South Carolina | Pumpkin | $25 | 51% |
| South Dakota | Pumpkin | $24 | 53% |
| Tennessee | Pumpkin | $25 | 51% |
| Texas | Pumpkin | $28 | 50% |
| Utah | Pumpkin | $26 | 53% |
| Vermont | Pumpkin | $25 | 52% |
| Virginia | Pumpkin | $29 | 53% |
| Washington | Pumpkin | $31 | 53% |
| West Virginia | Pumpkin | $23 | 52% |
| Wisconsin | Pumpkin | $29 | 53% |
| Wyoming | Pumpkin | $25 | 51% |
*Rates are based on a 6-year-old Dachshund with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
How Much Does Dachshund Insurance Cost?
Monthly pet insurance for Dachshunds ranges from $58 to $110 across the U.S., ranking as the 165th most expensive breed to insure. Your actual premium depends on your location, coverage choices and pet's specific needs.
| Alabama | $64 | $769 | -24% |
| Alaska | $84 | $1,005 | -1% |
| Arizona | $101 | $1,214 | 19% |
| Arkansas | $58 | $690 | -32% |
| California | $105 | $1,261 | 24% |
| Colorado | $107 | $1,275 | 25% |
| Connecticut | $97 | $1,163 | 14% |
| Delaware | $86 | $1,031 | 1% |
| Florida | $97 | $1,160 | 14% |
| Georgia | $76 | $906 | -11% |
| Hawaii | $87 | $1,041 | 2% |
| Idaho | $85 | $1,016 | -0% |
| Illinois | $104 | $1,247 | 23% |
| Indiana | $77 | $920 | -10% |
| Iowa | $70 | $844 | -17% |
| Kansas | $77 | $926 | -9% |
| Kentucky | $68 | $815 | -20% |
| Louisiana | $69 | $823 | -19% |
| Maine | $102 | $1,228 | 21% |
| Maryland | $89 | $1,065 | 5% |
| Massachusetts | $110 | $1,320 | 30% |
| Michigan | $86 | $1,025 | 1% |
| Minnesota | $87 | $1,043 | 3% |
| Mississippi | $73 | $877 | -14% |
| Missouri | $67 | $807 | -21% |
| Montana | $72 | $864 | -15% |
| Nebraska | $76 | $913 | -10% |
| Nevada | $87 | $1,038 | 2% |
| New Hampshire | $98 | $1,169 | 15% |
| New Jersey | $95 | $1,138 | 12% |
| New Mexico | $75 | $897 | -12% |
| New York | $93 | $1,114 | 9% |
| North Carolina | $77 | $923 | -9% |
| North Dakota | $66 | $786 | -23% |
| Ohio | $79 | $949 | -7% |
| Oklahoma | $71 | $853 | -16% |
| Oregon | $106 | $1,265 | 24% |
| Pennsylvania | $90 | $1,070 | 5% |
| Rhode Island | $75 | $900 | -12% |
| South Carolina | $81 | $970 | -5% |
| South Dakota | $76 | $914 | -10% |
| Tennessee | $78 | $939 | -8% |
| Texas | $88 | $1,050 | 3% |
| Utah | $83 | $988 | -3% |
| Vermont | $79 | $947 | -7% |
| Virginia | $93 | $1,113 | 9% |
| Washington | $98 | $1,178 | 16% |
| West Virginia | $73 | $873 | -14% |
| Wisconsin | $92 | $1,099 | 8% |
| Wyoming | $78 | $935 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Dachshund. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect Dachshund Insurance Costs?
Dachshunds rank 165th for pet insurance costs, with breed-specific health factors driving these mid-range premiums. Several key factors affect your Dachshund's insurance rates and coverage affordability.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Dachshunds face breed-specific health challenges that insurers consider high-risk conditions. Intervertebral disk disease (IVDD) is particularly common, often requiring expensive surgery and rehabilitation. They are also prone to patellar luxation, progressive retinal atrophy, and cardiac problems. These hereditary conditions can lead to significant veterinary expenses.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
Small dogs with unique body proportions require specialized medical considerations. Dachshunds' long backs and short legs mean procedures often need careful adaptation, including precise medication dosing and custom surgical approaches. Recovery from back or joint problems requires specialized equipment like ramps, support slings, or custom-fitted braces, increasing treatment costs.
Lifespan Considerations
Annual Vet Costs By Age: $700 to $1,500 (Young) to $2,000 to $3,500 (Senior)
Dachshunds live 12 to 16 years, longer than average for most breeds. This extended lifespan means more years of potential health problems, particularly in their senior phase. Medical costs increase significantly after age 7, with more frequent vet visits and ongoing management of age-related conditions like arthritis and dental disease.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Originally bred as hunting dogs, Dachshunds maintain an adventurous spirit that can lead to injuries. Their bold nature and long spine make them particularly susceptible to back injuries from jumping or rough play. Their strong prey drive can also lead to accidents during pursuit.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Dachshund popularity has led to increased breeding without proper health screening, resulting in more genetic health problems. Insurance providers now scrutinize coverage for hereditary conditions like IVDD and heart problems. Selecting a puppy from health-tested parents with documented genetic screening can reduce future medical expenses and improve insurance coverage options.
Your Dachshund's health needs are unique, even if the breed faces common health challenges. Consider your pet's specific medical history and your budget when choosing insurance coverage, including deductibles, annual limits and reimbursement rates. A conversation with your vet can help identify which health risks matter most for your dog.
INSURANCE RISK PREVENTION
Protect your Dachshund's health by focusing on their unique needs as a long-backed breed. Keep your dog at a healthy weight through portion control and regular, gentle exercise to prevent back problems. Choose stairs or ramps for furniture access and avoid jumping from heights. Establish a dental care routine with your vet, as Dachshunds often develop tooth issues. When selecting a puppy, pick breeders who screen for genetic conditions like IVDD. Regular vet checkups help catch potential health issues early, saving your pet's health and your wallet.
How to Get the Best Cheap Dachshund Pet Insurance
When getting pet insurance for your Dachshund, you can lower coverage costs with these proven money-saving strategies.
- 1Understand Your Coverage Options
Dachshunds have specific health risks like back problems that can affect how much pet insurance you need. Review coverage options to decide between accident-only policies or comprehensive plans that include illness and routine care.
- 2Compare Insurance Providers
Get familiar with top pet insurance companies and their basic rates. Look at customer reviews and claim processing speeds to find reliable insurers that offer good value.
- 3Review Policy Details
Look carefully at waiting periods and conditions that aren't covered. Pay special attention to reimbursement terms for common Dachshund health issues and any breed-specific exclusions.
- 4Get Multiple Price Quotes
Request quotes from at least three different insurance providers. Prices can vary significantly for the same deductible, annual limit and reimbursement rate, so comparing multiple options is essential. Look for pet insurance discounts to lower your rate.
- 5Check Rates Annually
Pet insurance rates often change each year. Review your policy and compare new quotes before renewal to ensure you're still getting the best deal.
Dachshund Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Dachshunds, while Pumpkin offers the lowest monthly premiums. We recommend comparing both providers, along with other trusted options, to find coverage that matches your pet's health needs and your budget. The right policy brings peace of mind and ensures quality care when health issues arise.
Learn more about the best pet insurance providers for your Dachshund:
Pet Insurance for Dachshund: FAQ
Below are our expert answers to frequently asked questions about Dachshund insurance:
What is the best pet insurance provider for Dachshunds overall?
AKC provides the best insurance coverage for Dachshunds, offering comprehensive protection and outstanding customer service. Despite higher-than-average premiums, their extensive coverage and dedicated pet expertise make them a valuable choice for Dachshund owners.
Who offers the cheapest pet insurance for Dachshunds?
Pumpkin Insurance provides the most affordable pet insurance for Dachshunds at $27 per month for standard coverage. Note that actual premiums will vary based on your location, pet's age, and other individual factors.
How much does Dachshund insurance cost?
With a monthly premium of $85, Dachshunds rank as the 165th most expensive breed to insure. Monthly rates across states can vary significantly, ranging from $58 to $110.
What are the most common accident and illness risks for Dachshunds?
Dachshunds commonly face intervertebral disk disease (IVDD), causing back pain and potential paralysis; obesity-related joint problems due to their long spine and short legs; and dental disease affecting their small mouths. These health risks are directly linked to the breed's distinctive body structure and genetic predisposition.
How We Found the Best and Cheapest Dachshund Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Dachshunds. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Dachshunds.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Dachshund
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs provided were based on aggregated pricing for the breed for all coverage selections and all ages insured on the market within reasonable life expectancy limits.
How We Rated Each Provider
We analyzed online sources for comprehensive ratings based on the following basic metrics:
- Affordability (50% of score): This score aggregates ratings based on the relative affordability compared to competition for all profiles and all factor combinations. We also factored in discounts as a minor component to the rating, as there's only slight variation between companies.
- Customer Experience (30% of score): We used ratings derived from a general sentiment rating aggregated from all internet sources, determining positive, neutral and negative sentiment proportions for each company to get this score. More positive sentiment means a higher rating.
- Coverage (20% of score): We read all contract details for every provider in every state, considering add-on options, inclusions, exclusions and restrictions to derive this score. Pet insurance regulations vary widely by state, and coverage options may differ based on your location.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.