The Best Pet Insurance Companies for Beagles in 2025
Lemonade’s affordability, bundling discount, and robust coverage put it at the top of our list for beagle pet insurance — especially if your beagle is a puppy.
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Edited byNick Versaw
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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In This Article
Beagles are famously friendly, trainable, and cute. Whether they’re sniffing out contraband in airport baggage areas or finding that last tidbit of cheese you “hid” in your pocket, it’s hard to fool a beagle’s nose.
But unfortunately, beagles can’t sniff out their own health issues. And while they’re generally a hardy breed, beagles are still prone to some potentially expensive medical problems, like ear infections, allergies, and limber tail syndrome.[1]
Nationwide, pet insurance for beagles averages about $65 per month.
That small monthly expense can spare you a potential four-figure panic. For example, treating a beagle’s ear infection can cost as little as $100 for a good cleaning to as much as $4,400 for ear canal surgery.[2][3]
It’s easy to find pet insurance companies, but you may need help finding the policy that’s right for your beagle and your budget. We evaluated coverages, premiums, deductibles, reimbursement rates, and more for over a dozen top pet insurance companies to help you find good options for your beagle. Here’s what we learned.
Key Takeaways
Lemonade and ASPCA plans are our top choices for insuring a beagle.
Pets Best and Spot are the cheapest pet insurance companies for Beagles in the U.S.
On average, it’s more expensive to insure a beagle than some other popular breeds.
Our Picks for the Best Pet Insurance Companies for Beagles
You probably invested a lot of time in finding the right vet to take care of your beagle. Fortunately, comparing pet insurers for beagles can be much easier (and faster).
To get you started, here’s a side-by-side comparison of some top pet insurance companies for beagles.
 |  |  |  |
|---|---|---|---|
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 50%–90% |
Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $250–$1,000 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
To help you choose the best pet insurance options for your beagle, we evaluated more than a dozen top pet insurance companies. We compared average premiums for beagles, available plans, coverages, add-ons, reimbursement rates, deductibles, and payout limits.
These are our top picks:
Best for beagle puppiesLemonade Insurance
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| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Lemonade is consistently among the lowest-priced pet insurers, according to our research. It offers robust coverage through its accident and illness plans and a wellness add-on for routine care costs.
The company stands out for its wellness plans tailored to puppies. It covers young-dog costs like spaying or neutering, microchipping, and up to six vaccinations or boosters.[4] And because Lemonade sells other types of insurance, you may be able to save more by bundling a pet policy with a renters, auto, or home insurance policy.
Pros
Some of the cheapest rates for beagles
Bundling discount available
Easy claims filing through mobile app
Cons
Not available in every U.S. state
No coverage for alternative therapies
Behavioral treatment only covered with an add-on
Best for beagles with fur siblingsASPCA
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| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Beagles are smaller dogs who are usually good with other pups, big or small. That makes them a great addition to a home that has other pets.
And if you have multiple pets in your home, ASPCA pet insurance is definitely worth considering. The company’s plans come with a 10% discount to help you save money and ensure your policy covers every pet in your family.
That said, you’ll need to buy its wellness add-on if you want coverage for routine care. But its standard plans include coverage for hereditary and congenital issues that beagles are prone to.
Pros
10% discount for each additional pet
Covers alternative therapies
Hereditary and congenital issues coverage is standard
Cons
Only three deductible options
No coverage for prescription food
Must call to get a quote for unlimited coverage
Best for customized plansFigo
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| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Figo’s premiums for beagles are higher than many competitors, but it offers a range of customization options that you may not find elsewhere.
In addition to wellness and vet exam fee add-ons, Figo gives you three payout limits, four deductible options ($100–$750), and four reimbursement rate options (70%–100%). You can choose your customization options when you buy your policy.
Pros
Multiple reimbursement, deductible, and payout limit options
Includes 24/7 virtual vet visits
No upper age limit for new policies
Cons
Higher average premiums than competitors
No coverage for prescription food
Many negative customer reviews about claims
Best for simple, unlimited coverageHealthy Paws
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| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
If you’re looking for a simple pet insurance option, Healthy Paws is worth considering. It keeps things simple with one comprehensive plan that covers accidents and illnesses with unlimited payouts.
Its accident and illness policy also covers alternative therapies and hereditary and congenital conditions. But it doesn’t offer a wellness add-on.
Pros
Unlimited annual, per-incident, and lifetime payouts
Covers hereditary and congenital conditions
Quick claims processing
Cons
Won’t issue new policies for pets older than 13
Doesn’t offer an optional wellness plan
No coverage for exam fees
Find Affordable Pet Insurance for Your Beagle
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The Cheapest Pet Insurance Companies for Beagles
If you’re like most beagle parents, you’d rather spend your money on toys, treats, and experiences instead of pet insurance. Comparing pet insurance quotes can help you find a policy that meets your needs and works with your budget.
To get you started, the table below highlights the cheapest pet insurance companies for beagles, according to our data.
The below rates are estimated rates current as of: Friday, August 1 at 12:00 PM PDT.
Company  | Average Monthly Premium |
|---|---|
| Spot | $32 |
| Lemonade | $34 |
| ASPCA | $39 |
| Healthy Paws | $44 |
| Prudent Pet | $56 |
| Pets Best | $65 |
| Fetch Pet | $69 |
| Pumpkin | $80 |
| Figo | $82 |
What Pet Insurance Covers for Your Beagle
Beagles are often so energetic and joyful that it may be easy to forget they’re prone to certain health concerns. And while some of their common health issues are minor — like limber tail syndrome, which comes from wagging their tails too much — others are significant, such as epilepsy.
Pet insurance can help cover the cost to diagnose and treat these conditions as long as they aren’t pre-existing when you enroll.
Here’s a look at some common illnesses and accidents Beagles face, along with typical treatment costs:
Condition | Estimated Treatment Cost | Does Pet Insurance Cover It? |
|---|---|---|
| Allergies | $78 (per shot) | Yes |
| Cherry eye | $388–$970 | Yes |
| Dental disease | $113–$750 (dental cleaning, extractions) | No (but may be available as an add-on) |
| Ear infections | $680 | Yes |
| Epilepsy | $240–$390 per month (medication) | Yes |
| Hypothyroidism | $92 (annually for medication) | Yes |
| Limber tail syndrome | $650, on average | Yes |
| Obesity | Varies depending on type of treatment | No |
| Dislocated kneecap | $1,500–$3,000 | Yes |
| Routine dental cleaning | $376+ | No (unless you purchase a wellness add-on) |
| Spaying/neutering | $465/$315 | No (but some wellness add-ons will cover this) |
What pet insurance doesn’t cover
While pet insurance can help you pay for many types of health issues, no policy covers everything. For example, pet insurance typically won’t cover cosmetic procedures like ear cropping or pay for intentionally inflicted injuries.
And it usually doesn’t cover incurable pre-existing conditions that your beagle had before your policy started. That said, some policies will cover curable pre-existing conditions if your pet remains treatment- and symptom-free for 12 months.
Your policy likely won’t cover routine care, food, or supplies, either. Still, some insurers offer add-ons that cover them.
Other Coverages to Consider for Your Beagle
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If you need coverage beyond what a standard accident and illness policy offers, it’s worth considering optional add-ons to your policy.
Common add-ons include:
Wellness plans: One of the most popular optional coverages, a wellness plan can help cover the cost of preventive care like annual exams, vaccinations, dental cleanings, and flea, tick, and heartworm prevention. Depending on the insurer and the plan you buy, your wellness coverage may also reimburse you for spaying or neutering, microchipping, and even some grooming and training expenses.[5] [6]
Chronic or hereditary conditions: Some insurers cover chronic and hereditary illnesses as part of their standard accident and illness plan, while others treat this coverage as an add-on. Since your beagle could be prone to some reccurring or hereditary health issues, it’s important to understand how an insurer handles these before enrolling in a policy.
Alternative therapies: Most standard pet insurance plans don’t cover alternative therapies like acupuncture (although a few do). But you may be able to buy this coverage as an add-on.
Behavioral therapy: Beagles generally aren’t shy, quiet pups. If yours develops a bad habit — like excessive barking — a behavioral therapy add-on could help you pay for treatment.
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How to Find the Right Pet Insurance for Your Beagle
When you’re searching for the right pet insurance for your beagle, it’s important to look beyond just the monthly premium. You’ll want to evaluate which insurance companies offer coverage for hereditary, chronic, and breed-specific conditions. It’s also a good idea to compare customization options like add-ons, multiple reimbursement rates, and more.
Here’s what we look for when evaluating a pet insurer and its policies:
Reimbursement rates: Pet insurance works on a reimbursement basis, meaning you pay the vet bill and then file a claim so your insurer can pay you back for a portion of the cost. The percentage the insurer pays is your reimbursement rate. Typical options are 70%, 80%, and 90%, but some insurers offer 100% reimbursement.
Payout limits: Insurers cap how much they’ll pay out each year or over your dog’s lifetime — higher or unlimited limits offer more protection but can increase your premium.
Deductibles: This is what you pay before your insurance starts to reimburse you. Most insurers offer multiple options for deductibles — generally $100 to $1,000. Deductibles can be per year or per condition. Picking a higher deductible can lower your monthly cost, but you’ll pay more out of pocket if your beagle needs care.
How Your Beagle’s Age Affects Pet Insurance Costs
Your beagle’s age is one of the biggest factors affecting your pet insurance costs. For example, younger pets typically have the lowest premiums because they’re less likely to have pre-existing conditions or need frequent vet care.
As your beagle moves from puppyhood to adulthood and then into their senior years, their risk of developing age-related illnesses increases.[7] They’ll be more likely to need more frequent and expensive veterinary care. Insurance companies raise rates to account for the increased risk.
Here’s a look at how average pet insurance premiums for beagles vary by age and insurance company.
The below rates are estimated rates current as of: Friday, August 1 at 12:00 PM PDT.
Average Monthly Premium: Young Beagles | Average Monthly Premium: Adult Beagles | Average Monthly Premium: Senior Beagles |
|---|---|---|
| $23 | $110 | $167 |
| $29 | $71 | $78 |
| $31 | $40 | $82 |
| $36 | $74 | $94 |
| $40 | $47 | $107 |
| $51 | $65 | $136 |
| $74 | $89 | $194 |
| $75 | $83 | $191 |
| $84 | $137 | $157 |
How Your Location Affects Pet Insurance Costs
Your beagle’s natural curiosity and independence may take them to some adventurous places. But at the end of the day, where they live is an important factor in pet health insurance costs.
Multiple location-dependent factors play a role in how much it costs an insurance company to cover your beagle — and ultimately how much you pay for premiums. These include state regulations, cost of living, vet costs and availability, and environmental risks.[8][9]
Here’s an idea of what you could expect to pay for beagle pet insurance in different states.
The below rates are estimated rates current as of: Friday, August 1 at 12:00 PM PDT.
State | Average Monthly Premium |
|---|---|
| West Virginia | $51 |
| Connecticut | $75 |
FAQs About Insuring Your Beagle
Here’s some more information that may help you find the perfect policy for your pet and budget.
What’s the best pet insurance for a beagle?
It depends. Which pet insurance policy is best for you is ultimately a personal decision based on your needs and budget. We like Lemonade for its competitive premiums, easy claims filing, and available bundling discounts.
Are beagles expensive to insure?
Somewhat. Beagles cost a bit more to insure than the average dog, according to Compare.com data. The national average cost of pet insurance for dogs is $43 per month, while the monthly average for beagles is $65. That said, your actual costs may be higher or lower based on factors like where you live and your beagle’s age, gender, and overall health.
What are the pros and cons of having a beagle as a pet?
Beagles are friendly, affectionate, and generally good with children and other dogs. Their short coats don’t shed much, and their smallish stature ensures they fit well in both urban and suburban homes.
But beagles are prone to some expensive health issues, like ear infections, allergies, and thyroid problems. They’re also high energy and intelligent, which means they can get into trouble if you don’t keep their attention occupied.
How much should you pay for pet insurance?
The average cost of pet insurance for beagles is $65 per month, according to Compare.com data. But your cost may be more or less than that based on where you live and your dog’s age and overall health.
Disclaimer
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Sources
- PetMD. "Beagle."
- Fetch. "Dog ear infections: symptoms and treatments."
- Odie. "Dog Ear Canal Surgery: When it’s Necessary & What it Costs."
- Lemonade. "Pet insurance with super fast everything."
- Healthy Paws. "Pet Wellness Plans vs Pet Insurance."
- AKC Pet Insurance. "Pet Wellness Coverage."
- MetLife Pet Insurance. "Pet Insurance for Older Dogs: Is It Worth It?."
- AKC Pet Insurance. "Why Does My Location Affect Pet Insurance Costs?."
- Spot Pet Insurance. "Moving? What Happens to Your Pet Insurance?."
