Pet Insurance

Best Pet Insurance For Beagles

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Woman vet examines beagle dog ears in veterinary clinic

Beagles have been among the top 10 favorite dog breeds in the U.S. for well over a decade. They are known for their cheerful, funny, and laid-back nature, making them fantastic family pets. However, this beloved hound breed is prone to several health concerns, including patellar luxation, intervertebral disc disease (IVDD), diabetes, allergies, heart defects, IgA deficiency, hypothyroidism, cancer, and more.

Experiencing any of these issues can lead to not just emotional turmoil but also major financial worries, as many treatments can run into thousands of dollars. Fortunately, pet insurance can help ease some of these financial strains by covering a large portion of your veterinary expenses.

I’m here to provide comprehensive insights into this breed’s potential health issues and related vet costs, helping you understand the challenges your Beagle may face. With over ten years of experience in pet insurance, I can guide you in selecting the ideal policy for your furry friend. Since pet insurance isn’t a one-size-fits-all solution, I suggest the best providers tailored to your Beagle’s needs and budget.

Best Pet Insurance For Beagles

All purebred dogs, including Beagles, have unique insurance needs. After thorough research, I’ve identified the top pet insurance options for this breed. I considered various aspects such as coverage levels, breed-related health concerns, customization choices, the dog’s age, premium rates, and more.

Best ForCompanyGet QuotesRead In-Depth Reviews
Orthopedic Conditionspets best logo 250 transparentget a quote buttonRead Review
Valuefetch logo 250 transparentget a quote buttonRead Review
Unlimited Payoutshealthy paws logo 250 transparentget a quote buttonRead Review
Beagle Puppiesfigo logo 250 transparentget a quote buttonRead Review
Customizable Plansembrace logo transparent 200 pngget a quote buttonRead Review
Most Affordablelemonade logo 250 transparentget a quote buttonRead Review
Vet Direct Paytrupanion logo 250 transparentget a quote buttonRead Review

Best For Orthopedic Conditions: Pets Best

  • Policy Options: Accident-Only, Accident & Illness, Wellness
  • Annual Deductible Options: $50, $100, $200, $250, $500, $1,000
  • Annual Payout Options: $5,000, $10,000, Unlimited
  • Reimbursement Options: 70%, 80%, 90%

Why I Picked Pets Best

Beagles are prone to several hereditary orthopedic issues, including hip dysplasia, patellar luxation, and intervertebral disc disease (IVDD). Without early treatment, these conditions can greatly affect a dog’s mobility and overall quality of life. Pets Best offers a 14-day waiting period for hip dysplasia, IVDD, and patellar luxation, which is much shorter than the 6-month waiting periods found with many other pet insurance providers.

Pets Best is also a fantastic choice for Beagle owners as it has a wide range of policy options and competitive pricing. They provide three tiers of coverage for illnesses and accidents, along with customizable options for annual payouts, reimbursement rates, and deductibles. This flexibility allows you to tailor a policy that fits your budget perfectly. Additionally, they are among the few insurers offering an accident-only plan.

Expert Price Analysis

When I analyzed quotes for Beagles of various ages and locations, Pets Best consistently provided very competitive premiums compared to other insurance companies. This was true for both basic and more comprehensive coverage options. Their maximum coverage, which includes unlimited payouts, 90% reimbursement, a $100 deductible, vet exam fees, and complementary care, offers excellent value.

ProsCons
Among the least expensive policy pricing for BeaglesMuch longer than average claim processing time (18 to 30 days)
Budget-friendly accident-only planCoverage for vet exam fees and complementary care* necessitate plan upgrades
Covers curable pre-existing conditions once they’ve healed
5% off when you insure multiple pets
2 wellness plan add-ons to choose from
Much shorter than average 14-day waiting period for most orthopedic conditions
Doesn’t impose age restrictions for older dogs
*Complementary care can encompass physical therapy, rehabilitation, acupuncture, chiropractic care, laser treatment, hydrotherapy, and physiotherapy, among other modalities.

In-Depth Review Of Pets Best

Read my in-depth review of Pets Best to learn more about this provider’s numerous plans, customization choices, coverage, waiting periods, and other details.

Best Value: Fetch

  • Policy Options: Accident & Illness, Wellness
  • Annual Deductible Options: $250, $300, $400, $500, $600, $700
  • Annual Payout Options: $5,000, $10,000, $15,000
  • Reimbursement Options: 60%, 70%, 80%, 90%

Why I Picked Fetch

If you want thorough protection for your Beagle from nose to tail, Fetch might be the perfect option for you. Their policies deliver a fantastic value, few exclusions, and a broad array of covered services. Dental illness, veterinary visit expenses, treatable pre-existing conditions, behavioral therapy, complementary therapy, and cesarean sections are all covered.

Furthermore, Fetch’s special advantages distinguish it from other insurers. Among other benefits, it offers $1,000 coverage for telehealth vet consultations and trip cancellation in the event that your dog becomes ill. Fetch also provides pre-approval for treatment procedures and estimates of their costs.

Expert Price Analysis

When I analyzed quotes for a policy with a $500 deductible, 90% reimbursement, and a $5,000 payout, Fetch’s premium pricing for Beagles was often below average and occasionally average compared to other insurers with vet exam fee coverage added, making Fetch an outstanding value.

ProsCons
Excellent value for broad coverage with minimal exclusionsLonger than average waiting period for accidents (15 days)
Covers curable pre-existing conditions after a year without symptoms or treatmentLengthy waiting periods of 6 months for hip dysplasia and patellar luxation
Includes $1,000 for virtual veterinary appointments and numerous other exclusive benefitsCoverage for IVDD is excluded in some cases*
Offers a wellness plan add-onNo premium discounts for multiple pets
To give you peace of mind, procedures and cost estimates can be pre-approved
Doesn’t impose age restrictions for older dogs
*Excludes intervertebral disc disease (IVDD) when another disc in the same or neighboring spinal region was previously treated or showing clinical signs before the policy’s effective date or during the waiting period.

In-Depth Review Of Fetch

I’ve written a thorough review of Fetch that explores this insurer’s extensive coverage, unique benefits, customizations, reimbursement procedure, and more.

Best For Unlimited Payouts: Healthy Paws

  • Policy Options: Accident & Illness
  • Annual Deductible Options: $100, $250, $500, $750, $1,000
  • Annual Payout Options: Unlimited
  • Reimbursement Options: 50%, 60%, 70%, 80%, 90%

Why I Picked Healthy Paws

If you’re worried about going over your pet insurance coverage limit in any given policy year, Healthy Paws is a great option. Why? Healthy Paws has surprisingly affordable premiums and unlimited annual payouts for all policies. This insurer is frequently the less expensive option than other insurance companies that provide the same deductible, reimbursement, and no maximum cap.

Because Beagles are prone to costly health problems from accidents and inherited conditions, unlimited payouts are particularly advantageous for owners of this breed. Pet parents who choose Healthy Paws can be mindful of their costs and have peace of mind knowing that they have unlimited coverage. Additionally, Healthy Paws is renowned for its excellent customer service and quick claim processing.

Expert Price Analysis

It can be challenging to evaluate Healthy Paws’ premium rates against those of other insurance companies since they exclusively provide unlimited payouts. Nevertheless, the cost of Beagle coverage tends to be comparable to, or only a bit more than, policies from other insurers that offer a $5,000 payout, along with similar deductibles and reimbursement choices.

ProsCons
Every policy includes unlimited caps on payoutsNot many options for older dogs to customize their deductible and reimbursement percentage
Among the most economical prices for plans with unlimited payouts and comparable coverageDoesn’t offer any kind of coverage for vet exam fees or behavioral therapy
50% of claims are processed within 2 daysSome Beagles are uninsurable based on age and location
Waiting periods for patellar luxation and IVDD are only 15 days (many have 6 months)12-month waiting period for hip dysplasia coverage is significantly longer than that of other providers
All plans cover complementary therapiesAll dogs enrolled at age 6 or older are not eligible for hip dysplasia coverage
Long record of high customer satisfaction

In-Depth Review Of Healthy Paws

For a detailed explanation of this provider’s coverage, customization options, quick reimbursement process, waiting periods, and other features, see my in-depth review of Healthy Paws.

Best For Beagle Puppies: Figo

  • Policy Options: Accident & Illness, Wellness
  • Annual Deductible Options: $100, $250, $500, $750
  • Annual Payout Options: $5,000, $10,000, Unlimited
  • Reimbursement Options: 70%, 80%, 90%, 100%

Why I Picked Figo

Figo is a fantastic option for Beagle puppies, providing affordable rates for your new canine companion. Moreover, Figo features the shortest waiting period for accidents in the pet insurance industry, at only one day. This offers reassurance if you’re worried about your puppy swallowing something harmful or getting injured while playing. Additionally, there’s a significant advantage for healthy dogs: for each year you remain claim-free, your deductible is reduced by $50. Figo also stands out by offering the options of 100% reimbursement and unlimited annual payouts.

Expert Price Analysis

For Beagle puppies, Figo’s quotes usually had some of the most affordable premium costs for lower coverage ($750 deductible, $5,000 annual payout, and 70% reimbursement). Quotes for older Beagles were typically competitive for low coverage but average to above average for high coverage, depending on the location.

ProsCons
Competitive rates for Beagle puppiesExtra expense to obtain coverage for veterinary examination fees
Rare features include a 100% reimbursement option and a 1-day waiting period for accidentsLengthy waiting periods of 6 months for IVDD, hip dysplasia, and patellar luxation
Complementary care, dental illness, and behavioral therapy are covered Policies for Beagles with maximum benefits can be expensive
Covers curable pre-existing conditions after a year without symptoms or treatment
Offers a wellness plan add-on
For every year you are claim-free, Figo lowers your deductible by $50
5% off when you insure multiple pets
Doesn’t impose age restrictions for older dogs

In-Depth Review Of Figo

Read my in-depth review of Figo to learn more about this insurer, including details about coverage, customizations, waiting periods, reimbursement, and my personal experience.

Best For Customizable Plans: Embrace

  • Policy Options: Accident-Only, Accident & Illness, Wellness
  • Annual Deductible Options: $100, $250, $500, $750, $1,000
  • Annual Payout Options: $2,000, $5,000, $8,000, $10,000, $15,000, Unlimited
  • Reimbursement Options: 70%, 80%, 90%

Why I Picked Embrace

Embrace offers a wide variety of options for deductibles, reimbursement rates, and annual payouts, including unlimited caps. With so many choices available, you can tailor an insurance plan to your Beagle’s needs and your budget. Embrace’s accident and illness policies include complimentary care, behavior therapy, and up to $1,000 in annual dental illness coverage at no additional cost. For broader coverage, you can add prescription drugs and veterinary exam costs. Like Figo, Embrace provides a diminishing deductible feature.

Expert Price Analysis

Embrace’s premium pricing for Beagles was generally above average when I compared quotes for a policy with a $500 deductible, 90% reimbursement, and $5,000 payout. In some instances, its maximum coverage ($100 deductible, 90% reimbursement, unlimited payout, and add-ons) was competitively priced compared to similar coverage with other providers.

ProsCons
Wide variety of customizations for annual payout, deductible, and reimbursementExtra expenses to obtain coverage for veterinary examination fees and prescription drugs
10% off when you insure multiple petsSome Beagles are uninsurable due to age and location (e.g., dogs over 5 are ineligible for coverage in California)
For every year you are claim-free, Embrace lowers your deductible by $50Lengthy waiting periods of 6 months for IVDD, hip dysplasia, and patellar luxation
Complementary care, dental illness, and behavioral therapy are covered
Covers curable pre-existing conditions after a year without symptoms or treatment
Waiting period for accidents is only 2 days
3 wellness plan add-ons to choose from

In-Depth Review Of Embrace

Explore my comprehensive review of Embrace to gain a clearer insight into this insurer’s extensive coverage, add-ons, customization options, and additional features.

Most Affordable: Lemonade

  • Policy Options: Accident & Illness, Wellness
  • Annual Deductible Options: $100, $250, $500, $750
  • Annual Payout Options: $5,000, $10,000, $20,000, $50,000, $100,000
  • Reimbursement Options: 60%, 70%, 80%, 90%

Lemonade Pet Insurance Is NOT Available In: AK, AZ, DE, HI, ID, KS, KY, LA, ME, MT, WV, WY

Why I Picked Lemonade

Lemonade has established itself as a cost-effective option for pup owners looking to manage their expenses. Their basic plan is particularly noteworthy for its affordability, making it one of the best budget-friendly choices on the market for Beagles. For those interested in more comprehensive coverage, Lemonade offers several reasonably priced add-ons that cover vet exam fees, dental illness, complementary treatments, behavioral therapy, and end-of-life care.

Although Lemonade is relatively new to the pet insurance industry, having launched in 2020, it has quickly earned a positive reputation. Customers appreciate the rapid claims processing, which can be completed in just a few minutes for straightforward claims.

Expert Price Analysis

My quotes showed that Lemonade consistently offers some of the most affordable premiums for Beagles’ lower to mid-range coverage. Even when veterinary exam fees are taken into account, their prices are still reasonable. However, their maximum coverage (90% reimbursement, $100 deductible, and $100,000 payout) was frequently above average when all add-ons were included.

ProsCons
Affordable rates for lower to mid-level coverageNot available in 12 states
5% off when you insure multiple petsExtra expenses to obtain coverage for vet exam fees, complementary care, behavioral therapy, and dental disease
Short 2-day claim processing average
Covers curable pre-existing conditions after a year without symptoms or treatment
2 wellness plan add-ons to choose from
Shorter than average 30-day waiting period for patellar luxation, IVDD, and hip dysplasia

In-Depth Review Of Lemonade

Check out my in-depth review of Lemonade for more details about this insurer’s basic coverage, optional add-ons, multiple customization options, and other features.

Best For Vet Direct Pay: Trupanion

  • Policy Options: Accident & Illness
  • Lifetime Per-Condition Deductible Options: $0 – $1,000 (in $5 increments)
  • Annual Payout Options: Unlimited
  • Reimbursement Options: 50%, 60%, 70%, 80%, 90%, 100%

Why I Picked Trupanion

One significant challenge with pet insurance is that pet owners must initially pay the entire veterinary bill and then wait for reimbursement from the insurance provider. This can create a financial strain for some pet owners. Trupanion offers an innovative solution known as VetDirect Pay, which can be seamlessly integrated into your veterinarian’s payment system for immediate bill settlement. If your vet still needs to implement VetDirect Pay, you can encourage them to do so.

Trupanion stands out as the only provider that allows for instant payment to your veterinarian at the time of service. Keep in mind, however, that you will still need to cover your deductible and copay. Given the Beagle’s tendency towards expensive health issues, VetDirect Pay can significantly ease your concerns about managing veterinary costs during diagnosis and treatment.

Expert Price Analysis

In reviewing quotes for Beagle insurance premiums, I found that Trupanion’s rates were considerably higher, frequently two to three times more than those of other companies providing similar coverage.

ProsCons
Every policy includes unlimited caps on payoutsPremiums for Beagles are significantly higher than other insurers
VetDirect Pay feature eliminates the typical wait for reimbursement Doesn’t offer any kind of coverage for vet exam fees
Shorter than average 30-day waiting period for patellar luxation, IVDD, and hip dysplasiaMuch longer than average waiting period for illnesses (30 days)
Covers curable pre-existing conditions after a year without symptoms or treatment
Short 2-day claim processing average

In-Depth Review Of Trupanion

For a more extensive look at this provider, including details on their distinctive VetDirect Pay feature, insurance coverage and benefits, waiting periods, and other specifics, please check out my thorough review of Trupanion.

What Type Of Pet Insurance Plan Is Best For Beagles?

When considering pet insurance, you have two primary choices: accident-only coverage and policies that cover both accidents and illnesses. Some insurance providers might also present a wellness plan as an optional add-on when you enroll. Although wellness plans can assist in covering the expenses of your dog’s preventative care, it’s essential to understand that they don’t provide the same protection as pet insurance.

Accident-OnlyAccident & IllnessWellness
Injuries (foreign body ingestion, puncture wounds, bone fractures, eye trauma, etc.)CheckmarkCheckmark
Diseases (diabetes, allergies, heart defects, epilepsy, patellar luxation, IVDD, cancer, etc. )Checkmark
Preventative (wellness checkups, inoculations, parasite prevention, dental cleaning, etc.)Checkmark

What Are Accident-Only Pet Insurance Plans?

Accident-only plans offer a budget-friendly option for dog owners who want to ensure their pets receive emergency care for injuries such as cuts, fractures, head trauma, bowel blockages from ingesting non-food items, and accidental poisoning. These plans are also an excellent choice for pets with pre-existing conditions that are usually not covered by accident and illness insurance. Keep in mind that only a few insurance providers offer accident-only policies.

Pricing Tip – The premiums for plans that only cover accidents are typically significantly less than those for those that cover accidents and illnesses.

What Are Accident & Illness Pet Insurance Plans?

Accident and illness plans offer your dog the best health insurance coverage possible. These policies not only cover injuries but also include a range of illnesses and genetic conditions that can affect Beagles, like hip dysplasia, IVDD, ear infections, diabetes, inherited heart, thyroid, and eye disorders, IgA deficiency, cancer, epilepsy, and more. With this insurance, you’ll be well-prepared for nearly any health issue your furry friend might encounter.

What Are Wellness Plans?

Wellness plans are an excellent option for managing the expenses associated with yearly vet checkups, vaccinations, parasite control, and other preventive services for your beloved Beagle. Incorporating a wellness plan into your pet insurance is a fantastic way to help maintain your pet’s health and identify any potential health issues before they escalate.

It’s crucial to remember that wellness plans are not the same as pet insurance and do not cover illness or accident-related medical costs.

What Does Pet Insurance Cover & Exclude?

When a vet decides that medical treatment is needed, most insurance companies typically include the following items in their accident and illness insurance plans. However, it’s important to note that coverage can differ between providers. Since various insurers might have specific limitations on certain conditions, it’s crucial to review your policy carefully.

CoveredExcluded
Blood testsBoarding
Cancer (chemo & radiation)Cremation & burial costs
CT scansElective procedures (e.g., declawing, ear cropping, spaying/neutering, tail docking, etc.)
Chronic conditionsFood & supplements
Congenital conditionsGrooming
Emergency carePre-existing conditions*
EuthanasiaPregnancy & breeding
Hereditary conditionsVaccines
MRIs
Non-routine dental treatment
Prescription medications
Rehabilitation
Specialized exams & care
Surgery & hospitalization
Ultrasounds
X-rays
*Pet insurance providers may classify pre-existing conditions as “curable,” but this varies by plan, so check your policy carefully.

Learn More About Pet Insurance Coverage

To learn more about some restrictions to consider when selecting a plan, read my article on pet insurance coverage.

What Determines The Cost Of Pet Insurance For Beagles?

Beagle dog awaiting command from young lady to eat dog food on ground.

Pet insurance companies evaluate various factors when determining premium pricing.

  • Your dog’s age is a key factor influencing the cost of pet insurance. Younger dogs generally incur lower premiums because they are less susceptible to costly health issues, like cancer, than older dogs.
  • The cost of living in your area is another significant factor affecting premium rates. Differences in local living expenses impact both pet owners and veterinarians. Consequently, if you reside in a high-cost area, you can expect to pay more for veterinary services and pet insurance.
  • Additionally, a dog’s breed is an important consideration. Some breeds are more likely to experience specific health problems, and purebred dogs often face higher health risks than mixed breeds, leading to increased insurance costs.
  • Male dogs may have higher insurance premiums than females, often due to their larger size, which can necessitate more medication, advanced medical equipment, and extra supplies. However, it’s worth mentioning that some insurers do not factor in gender when determining their rates.

You can still design a pet insurance policy that suits your budget and your dog’s unique needs, even though you can’t control every element that affects premium costs. Most insurance companies offer you a range of customization choices. Let me go over your options in greater detail below.

Customization Options Affect Cost & Benefits

Many pet insurance providers offer various customizable options to suit your pup’s healthcare needs and your budget. First, you can decide between accident-only coverage or a plan that includes accidents and illnesses. After that, you have the flexibility to adjust your maximum payout, deductible, and reimbursement percentage. Understanding how these choices impact your benefits and premium pricing is essential, and I’ll break it down for you below.

What Is A Maximum Payout?

Annual and lifetime maximum payouts are the two primary types offered by pet insurance companies. A provider’s maximum annual payout is the amount they will pay back for your dog’s vet bills during a single policy year. On the other hand, a lifetime payout is the highest sum an insurer will pay out throughout your pet’s insured life. All of the insurers I recommend in this article have yearly payouts, with the most frequent offerings of $5,000, $10,000, and unlimited.

Pricing Tip – Your monthly premium will be reduced if you opt for a lower payout. However, if your dog’s veterinary costs exceed your annual limit, you must cover the extra expenses yourself.

What Is A Deductible?

The deductible is the amount you must pay yourself before your insurance company starts to reimburse you. Typical deductibles are $100, $250, or $500 but can range anywhere from $0 to $1,000. There are two primary types of pet insurance deductibles: annual and lifetime per condition. Let’s explore how they differ.

  • Annual deductible: Before your insurance begins to reimburse you, you must pay this sum annually if your dog needs medical attention. Regardless of how many treatments or medical conditions your dog may have, this is the total amount you will have to pay. You can efficiently control the medical expenses for your pet with a set yearly deductible. The majority of pet insurance companies have annual deductibles.
  • Lifetime per-condition deductible: You must pay the deductible amount you choose for every new health issue your pet requires treatment for. The downside is that your out-of-pocket costs can quickly increase if your dog has several health problems in a single year. The upside is that you only have to pay the deductible once for each condition your pet has throughout their lifetime. This is especially helpful if your dog gets a chronic illness like allergies, diabetes, hypothyroidism, epilepsy, or IgA deficiency. Per-condition deductibles are only offered by Trupanion.

Pricing Tip– Choosing a higher deductible means you’ll pay more upfront for your dog’s medical expenses, but it will lower your monthly premium.

What’s The Reimbursement Percentage?

Your selected reimbursement percentage indicates the portion of your veterinary expenses that your insurance will pay back after your deductible has been met. For instance, if you choose a 70% reimbursement rate with a $500 deductible, you will only be responsible for 30% of the remaining veterinary costs (also known as your copay) after paying the initial $500 out of pocket. The remaining 70% will be paid back to you by the provider. Common reimbursement rates are 70%, 80%, and 90%.

Pricing Tip – If you opt for a higher reimbursement percentage, your monthly premium will go up, but you’ll end up spending less out of pocket when your dog requires medical care.

Learn More About Pet Insurance Costs

For a comprehensive insight into how customization options influence your coverage and premium rates, check out my detailed article on pet insurance costs.

How Much Is Pet Insurance For A Beagle?

Provide your zip code and your Beagle’s information in the form below to get a precise pet insurance quote for your canine companion. You will then receive personalized insurance quotes from several leading insurance companies. Although comparing sample Beagle insurance quotes can be helpful, remember that the price of your dog’s coverage may change based on their specific information.

According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. is $56.30 ($31.94 for cats).

To give you a general idea of premium costs, I collected pet insurance quotes for Beagles from the best providers I examined above, considering location and age variations. I made every effort to use comparable deductibles, reimbursement percentages, and payouts to make the comparison as helpful as possible.

Company6mo old male
95818 (Sacramento, CA)
1yr old female
14211 (Buffalo, NY)
2yr old male
33604 (Tampa, FL)
5yr old female 78731
(Austin, TX)
8yr old male
07305 (Jersey City, NJ)
pets best logo 250 transparent$46.09$30.31$27.03$43.55$112.58
fetch logo 250 transparent$48.92$37.11$44.97$79.70$120.38*
healthy paws logo 250 transparent$52.27*§$33.32*§$47.33*§$67.00*§$74.92†§
figo logo 250 transparent$52.94$52.10$41.62$69.51$158.93
embrace logo transparent 200 png$43.92$52.03$40.11$63.85$92.61
lemonade logo 250 transparent$37.01$34.44$35.40$37.60$78.97
trupanion logo 250 transparent$106.26§$124.07§$297.60‡§$194.00§$355.86§
I chose coverage levels based on the most widely available for insurers. I used a $500 deductible, $5,000 annual coverage, and 90% reimbursement for basic accident and illness plans with no add-ons. I noted exceptions where these amounts weren’t available from insurers.
*80% reimbursement; †50% reimbursement and $1,000 deductible (no other options); ‡$0 deductible; §Unlimited annual payouts

Beagle Insurance Cost: Lowest & Highest Amounts

I also gathered quotes from the same companies for the highest and lowest Beagle pet insurance monthly premiums for another point of comparison. These quotes factor in annual payouts, deductible amounts, reimbursement rates, and optional add-ons (excluding wellness plans). I also got quotes for two different ages to demonstrate how a dog’s age at enrollment influences insurance costs.

Company2mo old 95818
(Sacramento, CA)
5yr old 95818 (Sacramento, CA)2mo old
14211 (Buffalo, NY)
5yr old
14211 (Buffalo, NY)
2mo old
33604 (Tampa, FL)
5yr old
33604 (Tampa, FL)
2mo old
78731
(Austin, TX)
5yr old
78731
(Austin, TX)
2mo old
07305 (Jersey City, NJ)
5yr old
07305 (Jersey City, NJ)
pets best logo 250 transparent$21-$128$26-$162$14-$86$17-$109$14-$89$16-$103$17-$96$19-$111$23-$133$27-$154
fetch logo 250 transparent$33-$82$60-$156$26-$56$45-$100$30-$66$51-$118$32-$70$55-$123$31-$59$53-$103
healthy paws logo 250 transparent$31-$62$45-$90$25-$40Uninsurable$21-$52$38-$96$33-$65$51-$80$31-$48$45-$70
figo logo 250 transparent$23-$138$30-$179$21-$163$28-$212$17-$129$25-$188$19-$144$28-$209$29-$190$38-$247
embrace logo transparent 200 png$16-$171Uninsurable$18-$159$19-$163$16-$104$20-$135$20-$130$26-$170$20-$130$26-$170
lemonade logo 250 transparent$18-$143$22-$175$21-$127$23-$136$24-$179$26-$196$31-$144$25-$126$25-$141$27-$153
trupanion logo 250 transparent$62-$267$129-$576$66-$281$114-$504$76-$228$163-$487$58-$246$115-$510$68-$292$139-$619
The states chosen were based on the top five states with the most insured pets and highest gross written premiums for pet insurance, according to NAPHIA. The cities chosen were based on the most pet-friendly cities in the most popular states above, according to WalletHub.

What Are Waiting Periods For Beagle Pet Insurance?

The time frame from when you enroll in pet insurance to when your coverage begins is known as the waiting period. This duration differs based on the insurance provider in most states.* Typically, most companies impose a waiting period of around 14 days for illnesses, while the time for accidents can be anywhere from 0 to 15 days. Furthermore, many insurers have extended waiting periods for orthopedic issues like hip dysplasia, patellar luxation, and IVDD, which are common in Beagles.

*States are slowly adopting a Model Law for pet insurance. This Model Law attempts to standardize each state’s regulations, which includes a standard for waiting periods that all companies must follow. Waiting periods for California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, Washington, Rhode Island, and Maryland are as follows:

  • Accidents – 0 days
  • Illnesses – 14 days
  • Cruciate Ligament Conditions – 30 days
  • Routine Care – 0 days

Learn More About Waiting Periods

My comprehensive guide on pet insurance waiting periods covers the explanations for waiting periods and other important information.

How Does Pet Insurance For Beagles Work?

Pet insurance paperwork.

It’s easy to use pet insurance after your policy’s waiting periods have ended.

  1. When you visit the veterinarian, pay your entire bill.
  2. Send your insurance company a filled-out claim form along with an itemized receipt. It’s a good idea to have a copy of the claim form ready for your appointment because some insurers might need your veterinarian’s signature.
  3. Following your provider’s approval of your claim, you will be reimbursed* by the method of your choice, typically a check or direct deposit.

* The duration for processing reimbursements can differ based on the complexity of the claim and the schedule set by each company.

15 Health Issues In Beagles

Sick Beagle curled up in dog bed.

Beagles typically live between 10 to 15 years, and like other purebred dogs, they tend to face more health issues than mixed breeds. When considering the benefits of pet insurance for your Beagle, it’s essential to understand the possible health concerns and the financial responsibilities that come with them.

  1. Hip dysplasia occurs when the femur and hip socket are not correctly aligned. This chronic, progressive condition can cause increasing pain and decreased mobility over time. Often, surgery is required to improve quality of life, with expenses usually falling between $1,700 and $4,500 or more.
  2. Beagles often suffer from patellar luxation or kneecap dislocation. More than 50% of afflicted dogs have this condition in both hind knees. Surgery, which usually costs between $1,500 and $3,000 per knee, is frequently required to address these persistent knee issues.
  3. Intervertebral disc disease (IVDD), in which the intervertebral discs move into the spinal canal, is a condition that this breed is particularly susceptible to. MRIs, X-rays, medications, surgeries, routine checkups, and physical therapy are some of the diagnostic and therapeutic options. The price range is between $3,000 and $8,000.
  4. Beagle puppies (5-10 months old) are at a high risk of developing Beagle pain syndrome, also called steroid-responsive meningitis-arteritis (SRMA). This disease occurs when the immune system attacks the blood vessels that go to the brain. Diagnostics and corticosteroid treatment can run between $1,500 and $4,000.
  5. Because of their inclination toward weight gain and obesity, Beagles are more likely to develop diabetes, a chronic illness characterized by the body’s incapacity to properly regulate blood sugar levels. Diagnostic testing can cost as much as $500. Diabetic dogs require daily insulin injections, which can cost up to $80 per month. They also need regular blood and urine tests and two to four veterinary visits per year.
  6. Allergies can cause persistent skin and digestive issues. Veterinarians employ various treatment approaches based on the underlying cause and the severity of the condition. Throughout a dog’s life, expenses for diagnosis, testing, medications, special diets, creams, and other treatments can surpass $2,000.
  7. This breed is prone to ear infections because of their floppy ears, which retain moisture and provide an ideal environment for the growth of bacteria and yeast. Each incident can cost $500 or more, including prescription medications, diagnostic testing, and initial and follow-up veterinary visits.
  8. Beagles can be prone to several hereditary eye conditions, such as cataracts, glaucoma, cherry eye, distichiasis, and progressive retinal atrophy (PRA). Treating glaucoma can exceed $2,000, while cataract surgery typically costs between $2,600 and $3,800. Other eye problems may also require more than $1,000 for treatment per eye. Unfortunately, PRA is incurable.
  9. Immunoglobulin A (IgA) deficiency compromises the body’s ability to protect itself from infections (skin, respiratory, gastrointestinal, urinary, etc.), allergies, and other immune-related diseases. Ongoing treatment for chronic or recurring infections is required. In some cases, regular Staphylococcal phage lysate and Propionibacterium acnes vaccines can help increase IgA antibody production. Costs can easily top $5,000.
  10. Pulmonic stenosis is an inherited congenital heart valve defect that narrows the opening of the pulmonary artery, which carries blood to the lungs. A diagnosis may require an echocardiogram (up to $600) and an angiogram ($500 or more). Moderate to severe cases require treatment. The best treatment involves balloon valvuloplasty, which costs anywhere from $4,000 to $10,000. A more cost-effective alternative is medication (beta blockers), which average $100 per year.
  11. Hypothyroidism, a condition in which the thyroid gland is unable to produce enough hormones, is another genetic concern for Beagles. Regular testing and lifelong medication are required for this condition. The cost of drugs is $20 to $50 per month, and the cost of retesting is $50 to $100 per year.
  12. In a recent study of insurance claims for the 25 most popular dog breeds, Beagles came in second as having the most cancer claims. The most common types in Beagles were bladder, endocrine, liver, mammary, and spleen. Depending on the type and severity, cancer diagnosis and treatment can cost up to $10,000 or more.
  13. Epilepsy results in abnormal electrical activity in a dog’s brain, which can trigger seizures. In straightforward cases, the annual cost for medications and routine veterinary visits is around $500. Complicated cases may require dogs to have more frequent checkups and more expensive drugs, with yearly expenses ranging from $1,000 to $5,000.
  14. Factor VII (FVII) deficiency is a genetic blood clotting disorder commonly found in Beagles, which causes mild to moderate bleeding problems. This condition can be controlled with blood or plasma infusions, plasma-derived FVII concentrates, or a medication called recombinant-activated FVII. Blood transfusions cost $200 to $500 per transfusion.
  15. Musladin-Lueke Syndrome (MLS) is a genetic disease of the Beagle that affects the formation of skin and connective tissue in puppies. Pain management can help until the symptoms resolve at around one year of age. However, many Beagles with MLS develop arthritis, which can exceed $500 in monthly expenses for medication and physical therapy.

Is Pet Insurance Worth It For Beagles?

The Orthopedic Foundation for Animals (OFA)’s 2023 testing statistics show that nearly 19% of Beagles tested positive for hip dysplasia, nearly 8% for Factor VII deficiency, over 7% for hypothyroidism, and 22% for at least one eye abnormality.

Beagles are prone to some expensive health issues, making pet insurance a must-have. With insurance, you can make sure your furry friend gets the medical care they need in case of unexpected illnesses or emergencies. Keep in mind that most pet insurance plans don’t cover pre-existing conditions, so it’s wise to get your dog insured before any health concerns arise.

Determine If Your Beagle Needs Insurance

Read my comprehensive guide on whether pet insurance is worth it to help you consider the advantages and disadvantages of insuring your furry friend.

5 Steps To Find The Best Pet Insurance For Beagles

To find the best insurance plan for your beloved Beagle, you should consider the following factors.

  1. When evaluating potential insurance companies, it’s important to examine their financial health and reputation. Established pet insurance providers typically provide greater reliability compared to newer companies in the industry.
  2. When reviewing the policy details, consider possible health issues your Beagle may experience and how each insurer will handle those medical conditions.
  3. Decide whether you prefer an accident-only policy or an accident and illness policy.
  4. Make sure you know the provider’s average claim processing time and reimbursement methods.
  5. Get quotes from at least three pet insurers for an adequate cost comparison.

Methodology

To determine the best pet insurance for Beagles, we analyzed more than 40 U.S. pet insurance companies to provide an unbiased breakdown of how providers compare against one another. Our in-depth research includes:

  • Running thousands of price quotes
  • Reading hundreds of customer reviews
  • Scrutinizing every policy from top to bottom and reading all the fine print
  • Scoping out the purchase process
  • Speaking with customer service representatives
  • Having firsthand experience submitting claims with companies
  • Comparing plan customization details
  • Examining how long it takes to receive reimbursement
  • Factoring in company history and years in the pet insurance marketplace
  • Meeting with company representatives to discuss changes related to the industry, their company, and their offerings
  • Requiring national experience for companies

Unlike many other review sites, we refuse to let pet insurance companies pay for the top spot in our rankings. Companies must earn their position in our comparisons by performing well in the marketplace. We also point out each company’s pros and cons in light of their competitor’s strengths. In doing so for over a decade, we’ve helped pet parents make more educated decisions among the top pet insurance options. Pet insurance providers read our reviews, regularly check them for accuracy, and value our input to help create positive industry changes and better protect your pets. We only recommend the best of the best because it’s what our readers deserve.

Additional Pet Insurance Resources

Why Trust Canine Journal?

Canine Journal has been covering the topic of pet insurance since 2012, well before other conglomerates discovered the rising popularity of health care for our pets. Many of our authors have personal experience with pet insurance, including Kimberly Alt, who has been Canine Journal’s go-to writer for pet insurance for over a decade, having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head, she can find it within minutes due to her vast list of resources. Kimberly also has extensive knowledge of dog health conditions, which can help her recommend pet insurance providers to pet owners with specific breeds.

Kimberly collaborated with Sally Jones, a seasoned health sciences communications professional with decades of experience. Sally specializes in dog health and is adept at producing content on technical topics such as pet insurance. Her wealth of knowledge and insight played a crucial role in this article’s thorough research and composition.

Kimberly also consulted with Michelle Schenker, Canine Journal’s in-house licensed insurance agent, for additional expertise to ensure accuracy and give Canine Journal the authority to write about and assist readers in purchasing policies that are accurately represented.

Kimberly Alt

Kimberly is a writer and content strategist for Canine Journal, specializing in pet insurance consulting. She has written and edited professionally since 2010. In 2014, Kimberly began researching dogs and discovered her passion for pet insurance. She strongly advocates for insuring pets and knows insurance is a complex subject for most. Kimberly has read hundreds of pet insurance policies (including the fine print), ran more than 3,000 pet insurance quotes, engages in frequent discussions with pet insurer representatives, and conducts mystery shopping to gain an unbiased perspective and explain how companies differ and their strengths. Her passion is teaching others about the pet insurance industry and helping them make informed decisions for their pet insurance needs. Kimberly has a B.A. in Multimedia Journalism from Simpson College. She is a Dog Writers Association of America member, and her work has appeared in many brands, including The New York Times’ Wirecutter, Reader’s Digest, Forbes, People, Woman’s World, and Huffington Post. Kimberly is the parent of a rescue Coonhound mix, Sally.

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