Owning a dachshund in the UK is a joyful experience, but it also comes with serious healthcare responsibilities. In 2025, rising veterinary treatment costs and an increase in breed-specific health conditions have caused a noticeable increase in the Dachshund Insurance Cost UK 2025. Pet owners are now encouraged more than ever to invest in pet insurance to safeguard their dogs against costly medical bills.
Dachshunds are beloved for their quirky charm and long bodies, but their unique structure also makes them prone to specific health issues like Intervertebral Disc Disease (IVDD), joint problems, and obesity. With more vets recommending preventive care and advanced treatments, insurance plans have evolved to offer more comprehensive coverage.
This guide explores the latest pricing updates, available coverage types, and the best options for managing vet costs associated with dachshund UK care in 2025.
Average Dachshund Insurance Cost in 2025
As of 2025, the average monthly premium for insuring a dachshund in the UK ranges from £35 to £60, depending on the coverage level, dog’s age, location, and insurance provider. This marks a 10–15% increase from previous years, largely due to the growing cost of pet insurance 2025 and claims related to chronic and hereditary conditions.
| Plan Type | Monthly Premium (Avg.) | Annual Cost (Approx.) |
|---|---|---|
| Accident Only | £15 – £25 | £180 – £300 |
| Time-Limited Cover | £25 – £35 | £300 – £420 |
| Maximum Benefit Cover | £30 – £45 | £360 – £540 |
| Lifetime Cover | £45 – £60 | £540 – £720 |
Most dachshund owners opt for lifetime cover, especially due to the breed’s risk of long-term spine and disc issues, which can cost thousands in surgeries and rehabilitation.
Why Dachshund Insurance is More Expensive
Dachshunds are more expensive to insure compared to many other small breeds. Here are the main reasons:
-
High Risk of IVDD: Nearly 25% of dachshunds will suffer from spinal disc problems during their life.
-
Frequent Vet Visits: Their long back and short legs lead to frequent checks for orthopedic issues.
-
Chronic Conditions: Once diagnosed with a lifelong condition, treatment may be required for years.
-
Increased Diagnostic Costs: MRI scans and specialist consultations are often needed.
-
Claim Frequency: Insurers adjust premiums based on past and projected claim patterns.
For these reasons, the Dachshund Insurance Cost UK 2025 is relatively high compared to breeds with fewer hereditary risks.
Coverage Options & What to Expect
When choosing a plan for your dachshund, understanding what is included is essential. The most common policies cover:
-
Accident & Emergency Visits
-
Chronic Illness Treatment (like IVDD or arthritis)
-
Diagnostic Testing (X-rays, MRIs, bloodwork)
-
Medications
-
Surgical Procedures
-
Rehabilitation & Physiotherapy
-
Dental Coverage (optional add-on in some policies)
Some insurers also include:
-
Lost Pet Assistance
-
Third-Party Liability
-
Kennel Boarding Fees if the owner is hospitalized
Always check if pre-existing conditions are covered and clarify the claim limit per condition or annually.
Top Insurance Providers for Dachshunds in the UK
In 2025, these providers are rated highly for dachshund-specific coverage:
-
ManyPets – Known for flexible plans and lifetime cover.
-
Petplan – One of the most trusted UK providers with specialist vet networks.
-
Waggel – Offers digital-first experience and customizable cover.
-
Bought By Many – Ideal for pre-existing conditions.
-
Direct Line – Great for bundling with home/auto insurance for discounts.
Comparison platforms now allow dog owners to filter policies based on breed-specific needs, making it easier to find value-for-money cover in 2025.
Tips to Reduce Insurance Costs
To manage rising pet insurance 2025 expenses, dachshund owners can follow these tips:
-
Start Early: Insuring your dog as a puppy gets you lower premiums.
-
Maintain a Healthy Weight: Obese dogs face higher claim risks.
-
Regular Vet Visits: Preventive care lowers the chance of expensive treatments later.
-
Compare Providers: Don’t auto-renew; shop around each year.
-
Opt for Higher Excess: Paying a higher voluntary excess can reduce monthly premiums.
Being proactive not only saves on premiums but also improves your dog’s long-term health.
FAQs
Why is dachshund insurance so expensive in 2025?
Because of their genetic risk for spinal disorders like IVDD and the increased vet costs in 2025, dachshund premiums are among the highest for small breeds.
What is the best insurance type for dachshunds?
Lifetime cover is recommended, as it covers long-term and recurring conditions, which are common in dachshunds.
Can I insure an older dachshund?
Yes, but premiums are higher. Some providers place age limits, while others may not cover pre-existing conditions.
Are routine checkups covered?
Most basic plans don’t include routine care, but some advanced plans or add-ons cover annual exams and vaccinations.
What if my dachshund has already been diagnosed with IVDD?
Some insurers may not cover existing conditions unless you switch to a specialist provider that includes pre-existing condition cover.