Disclosure: We may earn a commission if you get a quote or buy a policy through links on this page, at no extra cost to you. Payments never change the prices we report. Every quote below is shown exactly as the insurer gave it.
Updated October 29, 2026
The short answer
Dachshund insurance cost $22 to $60 a month in our Idaho test for an accident-and-illness plan with a $5,000 annual limit. A 1-year-old dachshund was quoted $22.16 by Fetch and $35.04 by Embrace. At age 7, the quotes rose to $39.53 and $59.56.
The main reason to insure a dachshund is back disease. About 1 in 4 dachshunds will have some degree of it in their lifetime, and severe cases can need surgery. Use our premium calculator to compare limits and deductibles.
Real quotes for Nampa, Idaho
| Sample dog | Embrace | Fetch |
|---|---|---|
| Dachshund, 1 year | $35.04 | $22.16 |
| Dachshund, 7 years | $59.56 | $39.53 |
What the quotes show:
- Fetch was cheaper at both ages, by 37% at age 1 and 34% at age 7.
- Both insurers raised the price by 70% to 78% between ages 1 and 7.
- Dachshunds cost less to insure than large breeds. Embrace quoted a 1-year-old dachshund at $35.04, compared with $48.76 for a Lab or German shepherd.
Common dachshund health problems
Intervertebral disc disease (IVDD) is the biggest risk. Health surveys by the UK Dachshund Breed Council found that about 1 in 4 dachshunds will have some degree of back disease, 10 to 12 times the rate in dogs overall. It is most likely between ages 4 and 7.
Embrace’s quote page lists these other common risks, with typical treatment costs:
| Condition | Risk | Typical cost to treat |
|---|---|---|
| Osteoarthritis | High | $1,266 |
| Epilepsy | Medium | $2,928 |
| Allergic dermatitis | Medium | $1,295 |
How to choose a plan
- Enroll before any back trouble. If a vet notes back pain before you buy, insurers will likely treat IVDD as pre-existing.
- Read the back and spine terms. Check whether disc disease falls under an orthopedic waiting period in your state.
- Keep the limit high enough for surgery. Spinal surgery and hospital care can use a large part of a $5,000 limit, so compare the price of $10,000 or more.
Get real quotes
Prices depend on your dog’s age and your ZIP code. Get quotes from both insurers with the same limit, deductible and reimbursement rate.
Related guides: dog insurance cost, Embrace vs Fetch, is pet insurance worth it? and breed guides for the Labrador, golden retriever, French bulldog, German shepherd, dachshund, goldendoodle, English bulldog, Rottweiler and Australian shepherd.
Sources
- Our own quotes from Embrace and Fetch, October 29, 2026, ZIP 83651. Embrace’s quote page also lists common conditions and treatment costs for each dog breed.
- Dachshund Breed Council: How common is IVDD?
- DachsLife 2015 study (Veterinary Record Open)