Best Pet Insurance For Beagles In 2024

Based on my assessment, Healthy Paws emerges as the top pick for Beagle pet insurance.

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Updated: 12 May 2024
Written by Bob Phillips
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If you own a Beagle, their health and well-being are likely high priorities for you. Due to their purebred nature, Beagles are more susceptible to hereditary health issues compared to mixed-breed dogs. Astonishingly, a significant 80% of pet owners are not financially prepared to handle an unexpected $500 veterinary bill. This is where pet insurance comes into play, offering a financial safety net.

In this evaluation, we will explore the leading pet insurance options for Beagles, assisting you in finding the policy that best fits your specific needs. Pet insurance functions similarly to personal health coverage, providing access to better treatment options while limiting potential out-of-pocket costs. However, unlike personal health insurance, the cost remains reasonable and within reach.

Best Pet Insurance Companies For Beagles 2024

Various pet insurance providers tailored for Beagles share similarities in ensuring your pet's health and addressing financial worries. However, distinctions also exist. Thus, what suits your neighbor's pet might not suit yours.

Now, let's delve into an analysis of the top pet insurance companies for Beagles:

Best Overall - Healthy Paws
Best Cheap Coverage - Lemonade
Best for Puppies - ManyPets
Best Pet Insurance, Beagles 2024

Compare The Best Pet Insurance Companies For Beagles

Based on our examination of the top pet insurance options for Beagles, it's clear that several well-regarded companies are vying for top spots. You can also see that each company brings its own distinct benefits. Here's a brief summary to offer you a glimpse into each insurer:

Waiting Period Benefit Limit Overall Rating Reimbursement % Best For Get A Quote

14 days accidents/illnesses

$10,000 , $20,000 or unlimited



Older Dogs

Instant Quote

15 days accidents/illnesses

Unlimited annual and lifetime


70% or 80%
(most states)


Instant Quote

2 days accidents, 14 days illnesses

$5,000 to $100,000 annually


70%, 80%, 90%


Instant Quote
Healthy Paws

15 days accidents/illnesses

Unlimited annual and lifetime


70%, 80%, 90%


Instant Quote

14 days accidents/illnesses

$2,500 to unlimited


70%, 80%, 90%

Multiple Pets

Instant Quote
Scroll to see comparisons

Our Methodology

The evaluations and subsequent ratings were created by reviewing the websites of each insurer, assessing feedback from customers, referencing other review platforms, and drawing from personal encounters with having previously purchased and utilized pet insurance.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours

The Best Beagle Insurance Companies

Best Overall

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
10/10 Claims
10/10 Coverage Level

Why We Like Them

Healthy Paws emerges as the top pick for pet insurance, distinguished by its lack of claim payout limits, incident-specific maximums, or restrictions.

Although it might involve a higher upfront cost, this option justifies its value by removing the need to navigate policy limitations when making critical decisions.

Healthy Paws offers a straightforward policy, free from costly add-ons, and provides the freedom to consult any licensed veterinarian.

The process of submitting claims is streamlined through their mobile app or website, with most claims settled within as little as two days.

Benefits & Drawbacks

  • Possibility for unlimited annual and lifetime reimbursements
  • Swift processing of most claims within a 48-hour window
  • Assurance of a 30-day money-back guarantee
  • Option for direct payments to veterinarians
  • Lack of availability for a routine wellness coverage option

Runner-Up For Best Overall

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
8/10 Coverage Level

Why We Like Them

Lemonade emerges as the most cost-effective choice for pet insurance when considering Beagles. While its coverage limits align with those of other evaluated companies, they differ from the limitless coverage offered by Healthy Paws.

Lemonade’s coverage options range from $5,000 to $100,000 per year, with the premium increasing based on the selected limit.

Lemonade’s standard policy encompasses accidents and illnesses, ranging from cancer and heart disease to skin conditions, fractures, and the common issue of hip dysplasia in older Beagles.

As is typical among insurers, Lemonade does not cover preexisting conditions, dental problems, behavioral issues, or elective procedures.

Benefits & Drawbacks

  • Take advantage of an accessible wellness plan.
  • Enjoy the convenience of a short two-day waiting period for accidents.
  • Get a 10% discount by bundling pet insurance with your current Lemonade home, renters, or auto insurance.
  • Lack of provision for a 24/7 pet telehealth line.
  • The inclusion of vet examination fees comes with an extra cost.
  • Unfortunately, prescription food and microchipping are excluded from the policy.

Best For Multiple Pets

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Claims
10/10 Coverage Level

Why We Like Them

Many pet owners of Beagles often care for multiple pets due to the breed’s friendly nature. Spot recognizes this and extends a 10% discount if you insure more than one pet with them, resulting in significant savings.

Spot’s additional preventive care plan covers wellness essentials, including an annual vet visit, a fecal test, and teeth cleaning. Certain vaccinations are also included in the coverage.

Furthermore, Spot guarantees a 30-day money-back option if the coverage or service falls short of your expectations. They also offer reimbursement of up to 90% on eligible vet bills and a 24/7 vet helpline. You’re free to consult any vet or specialist licensed in the U.S.

Benefits & Drawbacks

  • Includes the convenience of microchipping services.
  • Provides the choice of a wallet-friendly $100 deductible.
  • Presents a readily available 24/7 pet telehealth line.
  • Accidents require a 14-day waiting period, as opposed to the 2-day waiting period seen in some prominent competitors.

Best For Older Dogs

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
8/10 Coverage Level

Why We Like Them

As Beagles get older, they might face genetic health problems like ligament and hip issues that need expensive care. Pumpkin doesn’t make you wait for these issues and covers vet checkup costs for your senior Beagle.

Pumpkin offers different coverage choices for various problems that Beagles might have, including surgeries and dental issues. You can pick from three deductibles, and they usually pay back at a 90% reimbursement rate.

Benefits & Drawbacks

  • Opt for enrolling in an offered wellness plan.
  • Take advantage of discounts when covering multiple pets.
  • Experience a significant 90% reimbursement for dogs and cats aged 8 weeks and above.
  • Sadly, a 24/7 pet telehealth line is not included in the offering.
  • Unfortunately, an accident-only plan is not available among the options provided.

Best For Puppies

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
8/10 Coverage Level

Why We Like Them

ManyPets provides the best coverage for puppies. Rates stay the same regardless of past issues, and cured conditions could be covered after 18 months. Also, unrelated issues can still be eligible.

Like all young dogs, Beagles during their puppy phase are at risk of various illnesses like poisoning, eating foreign objects, and accidents due to their lively nature. Having coverage early on reduces the chance of facing exclusions for pre-existing conditions as they grow.

Benefits & Drawbacks

  • Available in more than 40 states.
  • Covers vet exam fees for both illness and accident-related visits.
  • Offers the option of choosing optional wellness plans.
  • No provision of a 24/7 pet telehealth line.
  • Does not include coverage for pet behavioral therapy.
  • Unfortunately, alternative therapies are not covered by the policy.

Average Cost Of Pet Insurance For Beagles

Company Deductible Location Monthly Price Annual Reimbursement % Age of Dog
Spot $500 California (zip code 94203) $74 70% 5 year old
Lemonade $500 North Carolina (zip code 28105) $31 70% 3 month old
Spot $500 North Carolina (zip code 28105) $82 70% 3 month old
Healthy Paws $500 California (zip code 94203) $72 70% 5 year old
Lemonade $500 Kansas (zip code 64030) $22 80% 1 year old
Spot $500 Kansas (zip code 64030) $56 80% 1 year old
Healthy Paws $500 North Carolina (zip code 28105) $35 70% 3 month old
Lemonade $500 California (zip code 94203) $41 70% 5 year old
Healthy Paws $500 Kansas (zip code 64030) $38 80% 1 year old

Average Cost Of Typical Vet Procedures

Typical Vet Procedure Average Cost Of Procedure
Annual exam $240-600
Teeth cleaning $200-500
Heartworm prevention $24-120
Flea & tick prevention $40-200
Microchip $40
Spay or neuter surgery $200-800
Puppy vaccinations $75-100

Average Cost Of Emergency Vet Procedures

Emergency Pet Procedure Average Cost Of Procedure
Wound treatment & repair $800-$1,500
General consultation/exam $100-$150
Emergency surgery $800-$2,500
3-5 day hospitalization $1,500-$3,500
Ultrasound $300-$600
General bloodwork $80-200
X-rays $150-$250
1-2 day hospitalization $600-$1,700
Oxygen therapy $500

Common Health Issues For Beagles

In the world of purebred dogs such as Beagles, breed-specific health matters are common. Sometimes, specific breeders might have missed genetic factors in their Beagle breeding methods, resulting in challenges that impact the larger Beagle community. When compared to other breeds, Beagles usually show a higher vulnerability to genetic health issues.

Now, we’ll highlight several common health issues frequently seen in Beagles:

  • Obesity
  • Ear Infections
  • Hypothyroidism
  • Intervertebral Disc Disease (IVDD)
  • Cherry Eye
  • Epilepsy

Is Pet Insurance Worth It For Beagles?

Pet insurance acts like a safety net for unexpected vet bills. Many pet owners can’t afford a sudden $1500 vet expense. With the right pet insurance, you can focus on what’s best for your pet’s health, not money concerns.

The value of pet insurance depends on your needs. If your pet is already getting treatment for a long-term problem and you need help with costs, you might be disappointed as no company we looked at covers this.

But if you understand your policy, what it covers, and fit it with your budget and needs, you’ll see it as a smart investment.

How To Find The Best Pet Insurance Company For You

Choosing the right pet insurance can be tough due to the different costs and choices. Here’s how to find the best plan for your pet:

Check Whether Your Pet Is Eligible

When it comes to puppies and kittens, they usually need to be 6 to 10 weeks old to get insurance, though it can vary by company. Senior pets might face restrictions or only qualify for accident coverage. But after enrolling, most plans offer coverage for life as long as you pay the premiums.

Research What’s Covered

Pet insurance plans often cover expenses such as surgeries, hospital stays, and medications when your pet is sick or hurt. But there are certain things some companies might charge extra for or not cover. Here are a few examples:

  • Exam fees: Imagine if your dog breaks a leg. While some plans might pay for X-rays, surgery, and pain meds, they might not cover the vet’s checkup fee.
  • Alternative treatments and rehab: Some plans include things like acupuncture and physical therapy, while others might ask for an extra charge.
  • Behavioral therapies: Not all plans cover vet treatment for behavioral problems like aggression.
  • Prescription food: Some plans might not cover food or supplements, even if the vet prescribes them.
  • Dental care: Pet insurance plans vary for dental health. Some might not cover gum disease or tooth issues. Others might cover recent teeth cleaning. Some wellness add-ons might pay for cleanings. Remember, pet insurance usually doesn’t cover pre-existing conditions, cosmetic procedures, or breeding costs.

Decide How Much Coverage You Want

The majority of pet insurance plans have a yearly limit on payouts, although some don’t. You get to decide the amount that gives you peace of mind for covering vet bills.

If your pet is healthy, you might not need to pay for more than regular checkups for years. But unexpected surgeries or serious illnesses could lead to bills totaling thousands of dollars.

Understand Reimbursements And Deductibles

In the realm of pet insurance, most plans will reimburse a portion of your vet bills. Typically, when you buy the plan, you can choose a reimbursement rate like 70%, 80%, or 90%.

Conversely, some plans use a fixed fee for specific treatments, which might be lower than your vet’s charges. This means you’ll have to cover the extra cost.

Almost all plans also come with a deductible—this is what you pay upfront before the plan starts covering expenses. You usually have options for different deductibles, such as $100, $250, or more. Some plans apply the deductible to each issue your pet has, while most require you to pay it once a year.

In general, if you opt for a lower deductible and higher reimbursement, your premiums will be higher. Alternatively, if you choose a higher deductible and lower reimbursement, your premiums will be lower.

Check Waiting Periods

Usually, there’s a short waiting time after you get the policy before it covers accidents and illnesses, typically around 14 days. During this period, treatments won’t be included.

However, for specific problems like cruciate ligament injuries, some plans make you wait longer. These ligaments help stabilize the knee, and injuries to them can impact a dog’s mobility.

Examine Extra Costs

Certain pet insurance providers include protection for routine services like wellness check-ups and vaccinations. While this might catch your interest, it’s vital to weigh whether the extra expense truly holds value. Compare the yearly cost of the wellness insurance plan against what you’d typically pay for those services independently each year. Be sure to closely examine the details, as the definition of “wellness” can vary among pet insurance companies.

Compare Quotes

Insurance costs vary depending on the company and the coverage level. Some pet insurance providers offer discounts; you might save money by insuring multiple pets. However, a discount alone doesn’t guarantee that a plan is the best option.

To find the most suitable insurance for your pet, you need to dive into the details and gather quotes for different plans. Make sure you’re conducting a fair comparison by considering similar coverage levels, deductibles, and reimbursement limits.

Factors That Impact Cost Of Your Pet Insurance Policy

Just like your health insurance, the cost of pet insurance can fluctuate due to specific elements, including:

  • Location: Pet insurance companies take into account the local veterinary care expenses when deciding on your policy’s rate.
  • Pet’s Age: Older pets tend to face more health issues, leading to higher premiums.
  • Pet’s Breed: Certain breeds are more susceptible to health problems. For example, breeds like bulldogs and Boston terriers often grapple with breathing difficulties, while larger breeds like Beagles have an elevated chance of hip dysplasia. These potential concerns impact the cost of your pet insurance plan.
  • Deductibles, Coinsurance, and Coverage Limits: The lower your out-of-pocket expenses, the higher your insurance premium becomes. For instance, opting for a $100 deductible instead of a $500 one translates to speedier reimbursements for your pet’s care, though with higher premiums.

Information About Beagles

Celebrated for their undeniable charm and distinctive appearance, Beagles are cherished as a beloved and captivating dog breed. Originating from England, they were originally bred as scent hounds, known for their keen sense of smell and friendly demeanor. Sporting a distinct short coat and expressive eyes, Beagles come in various coat colors, with the classic tricolor and lemon being particularly iconic.

Playful and sociable, Beagles thrive in active settings and relish outdoor activities. Their amiable personality and adaptability make them excellent companions for a variety of households. Building strong bonds with their owners, Beagles showcase both playfulness and loyalty. Revered for their cheerful nature and endearing quirks, Beagles continue to capture hearts around the globe.


Is pet insurance cheaper for purebred dogs?

Because of the genetic susceptibilities frequently observed in purebred dogs, which can result in costly health problems, their insurance coverage typically comes at a higher price compared to mixed-breed dogs.

What is the average cost of owning a Beagle? 

In the beginning, the first-year expenses come to approximately $3,000, encompassing vaccinations, food, grooming, and insurance. As time goes on, the yearly costs for subsequent years gradually decrease to around $1,900.

What insurance do you need for a dog? 

It’s recommended for dog owners to have some form of pet insurance. This ensures their ability to handle veterinary costs, thus ensuring their dog’s health and well-being.

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