Best Pet Insurance For Chihuahuas: Cost, Quotes & Plans

chihuahua pet insurance

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Do you have a Chihuahua? If you do, then you know that they can be pretty expensive to take care of. From vet bills to food, toys, and other incidentals, it can add up quickly. That’s why it’s important to have pet insurance for your Chihuahua. But with so many plans and providers out there, how do you know which is the best for your furry friend?

Today, we’ll compare the cost of different pet insurance plans for Chihuahuas, as well as give you some quotes from popular providers. We’ll also tell you what to look for when choosing a plan, so you can be sure your Chi gets the best coverage possible. Read on to learn more about the best pet insurance for Chihuahuas and breed-specific reasons why you should consider insuring your Chi.

The Best Pet Insurance Companies For Chihuahuas

Here are Canine Bible’s top 4 picks for the best pet insurance for Chihuahuas

You can click this link to go to the reviews, but we encourage you to keep reading to make a more educated decision about getting pet insurance for your Chihuahua.

What Is Pet Insurance?

Getting pet insurance for your Chihuahua dog is equivalent to getting health insurance for yourself. Pet Insurance is designed to reimburse dog owners for unexpected veterinary expenses and related fees, giving them peace of mind and protecting their savings.

How Much Does Pet Insurance Cost For Chihuahuas?

Chihuahua’s dog insurance prices will be based on your pet’s pre-existing health conditions, gender, age, location, and other factors.

Keep in mind rising vet costs due to technological advances and an increasing number of claims in your location, which can increase your monthly payment. For instance, if your Chihuahua is quoted at $45 per month today, that price is subject to change.

We compared quotes for plans for Chihuahua with three popular pet insurance providers to help you find the best fit for you in terms of monthly premiums and coverage. We chose three Chihuahuas at different stages in their life.

  • An adult Chihuahua (5 years old)
  • A young Chihuahua (1 year old)
  • A puppy Chihuahua (3 months old).

Check out our Pet Insurance Comparison table for Chihuahua below.

Pet Insurance Quotes For Chihuahuas

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50070%Unlimited$46.17Orlando
(zip code: 32801)
MaleChihuahua5 years
Lemonade$50070%$100,000$22.66Orlando
(zip code: 32801)
MaleChihuahua5 years
Spot Pet Insurance$50070%Unlimited$53.94Orlando
(zip code: 32801)
MaleChihuahua5 years
Healthy Paws$50080%Unlimited$20.31Dayton
(zip code: 45402)
FemaleChihuahua1 year
Lemonade$50080%$100,000$18.56Dayton
(zip code: 45402)
FemaleChihuahua1 year
Spot Pet Insurance$50080%Unlimited$45.79Dayton
(zip code: 45402)
FemaleChihuahua1 year
Healthy Paws$50070%Unlimited$18.91Columbus
(zip code: 68601)
FemaleChihuahua3 months
Lemonade$50070%$100,000$11.00Columbus
(zip code: 68601)
FemaleChihuahua3 months
Spot Pet Insurance$50070%Unlimited$35.61Columbus
(zip code: 68601)
FemaleChihuahua3 months

How Much Can You Expect to Pay For Chihuahua Canine Insurance?

If you get Pet Insurance for your Chihuahua, you can expect to pay between $11 to $53 per month. Depending on where you live, what deductible, and the reimbursement percentage you choose, you may spend more or less.

NOTE: The quotes we ran were for dogs with no pre-existing conditions. All quotes are from November 2022.

Is Pet insurance For Chihuahuas Worth it?

Here are three main reasons why you should consider getting pet insurance for your Chihuahua

1. Avoid Deciding Between Your Wallet And Your Chihuahua

USA Today reports that many dog owners have made the terrible decision to euthanize their pups because they didn’t have the money to pay for surgery or treatment.[1]

With pet insurance, you can seek medical care for your sick or injured Chihuahua without worrying about hurting your finances.

On average, the most common dog treatments cost $252.75, while a more severe and common condition in Chihuahua, like Hypoglycemia, can cost between $800 – $8,000 to diagnose and treat.[2]

2. Pet Insurance For Chihuahua Accidents

According to a survey conducted by the American Pet Products Association, nearly 70% of households in the U.S. own a pet, and it’s estimated that 1 in 3 will need emergency veterinary treatment every year. So, how does that translate to Chihuahua numbers?

A recent survey found that roughly 90 million dogs live in the United States.[3] So, unfortunately, 33% (1 in 3) of Chihuahua may need emergency care this year. This could lead to massive vet bills. In fact, the average cost of unexpected veterinary care for dogs is between $250 to $8,000, says Healthy Paws in a recent report.[4] Sadly, only 61 percent of Americans cannot cover a $1,000 emergency.[5]

A good pet insurance plan will cover most of the vet costs as most pet insurance policies reimburse up to 80% (some go up to 90%) of total vet expenses after deductibles.

3. Common Health Issues For Chihuahuas

The following table shows the most common health conditions Chihuahua are likely to develop.

We also include the level of risk (susceptibility to each health condition) and how much you are expected to pay.

ConditionRiskCost to Diagnose & Treat
Patellar LuxationHigh$1,500 - $3,000
Portosystemic ShuntsMedium$2,000 - $6,000
Legg-Perthes DiseaseHigh$1,000 - $3,000
Mitral Valve DiseaseMedium$500 - $2,000
Corneal DystrophyHigh$300 - $3,000
CryptorchidismHigh$200 - $500
Tracheal CollapseMedium$500 - $5,000
HydrocephalusMedium$2,000 - $10,000
HypoglycemiaHigh$800 - $8,000

Other Reasons To Get Dog Insurance For Your Chihuahua

  • Delivers peace of mind
  • Can cover your pet’s hereditary condition
  • Avoid veterinary rising cost
  • Can help you find your missing/stolen pet
  • Can cover third-party liabilities
  • Helps you save money

Pro Tip: If you know your dog breed is prone to develop certain health issues, we highly recommend getting a pet insurance policy when your dog is still healthy. If your dog does develop chronic conditions down the road, you’re guaranteed reimbursement for these issues throughout your dog’s life.

Pet Insurance for your Chihuahua can spare you financial trouble. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Chihuahua’s life.


Best Pet Insurance For Chihuahuas

Here are Canine Bible’s top picks for the best pet insurance for Chihuahua.

We’ve reviewed each company based on specific breed needs, customer reviews, affordability, and other factors to help you choose the right company and coverage for your Chihuahua.

Best Overall — Healthy Paws

Our rating: 4.8

We named Healthy Paws our best overall pet insurance for your Chihuahua for its comprehensive coverage, pricing, availability, and customer service. There are no caps on payouts when you file a claim under a Healthy Paws insurance plan. A Healthy Paws insurance plan may cover accidents, illnesses, cancer, emergency care, genetic conditions, and alternative care.

They have competitive premium prices. We ran a quote for a healthy Chihuahua at a $500 deductible with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $18 and $46.

With Healthy Paws, you can start protecting your Chihuahua at just 8 weeks old. You can protect them from anything like a pesky bee sting to parvo.

Once you pay your deductible, there is no limit on the amount your policy can reimburse you. It also has fewer coverage exclusions compared to many competitors. Healthy Paws states that they pay 99% of claims in two days.

Pros

  • You can submit your claim online or via their app
  • Pet are eligible for coverage when they travel with you in the U.S. or Canada (up to 3 months)
  • BBB Rating: A+
  • Great email response time
  • Direct deposit or check reimbursement
  • No limit to how many claims you can make

Cons

  • 15-day waiting period for accident and illness
  • Doesn’t cover veterinary exam fees and behavioral therapies
  • No wellness plan
  • There is a one-time enrollment fee of $25
  • Can’t enroll pets over 4 years old in NY

Best Value — Lemonade Pet Insurance

Our rating: 4.7

Lemonade offers excellent pet insurance coverage for your Chihuahua at the most affordable price. While your monthly premium cost will vary by location, pet’s age, gender, and other factors, Lemonade premiums usually start at just $10 a month, the lowest in the industry.

To estimate your monthly premium, we ran a few quotes for a healthy Chihuahua at a $500 deductible and a 70%, 80%, and 90% coverage. Based on our research, you can expect to pay between $11 and $22.

We love that Lemonade is tech-forward, making it easy to manage your policy and file claims through an app. Their plans cover accidents and illnesses, including injuries, poisonings, broken bones, sprains, infections, general sicknesses, cancer, heart disease, hip dysplasia, hernias, skin conditions and more.

They also offer several add-ons to help pet owners pay for exam fees, physical therapy, and preventive care costs.

Pros

  • Coverage starts at $5 per month
  • Provides a mobile app and website chat function
  • Giveback program donates unused policy money to charities
  • Waiting period of 2 days for accidents, which is shorter than many competitors
  • Preventive care treatments for puppies and kittens under 2 years old
  • 10% discount for bundling your policy with Lemonade home insurance or renters insurance

Cons

  • Doesn’t offer coverage for pets over 14 years old

Most Customizable Plans — Spot Insurance

Our rating: 4.7

Spot Pet Insurance is ideal for Chihuahua dog owners who want a variety of ways to customize their policies. Spot offers seven annual limit options, three reimbursement levels, and five annual deductibles. They offer the lowest deductible in the industry ($100), meaning that when your Chihuahua gets sick, you pay less upfront before your plan starts paying. With so many customization options, this company it’s our top pick for finding a plan for meeting your specific financial needs and those of your pet.

Spot’s policies also cover some items, such as exam fees and microchipping, that many other pet insurance providers don’t offer. They also have one of the cheapest plans for accident-only coverage, making it perfect for pet owners who only need minimal coverage.

If you sign up with Spot Pet Insurance, based on our research, you can expect to pay between $35 and $53, but prices may vary depending on your location, Chihuahua’s age, and other factors.

Spot covers you when your Chihuahua gets hurt unexpectedly, from tooth extractions to torn ligaments. They can also cover [health condition] treatment, which Chihuahua are prone to, as long as they were diagnosed after coverage.

Pros

  • Low $100 deductible is available
  • Has seven options for coverage limits
  • Multipet discount of 10%
  • Two optional wellness plans are available
  • Has a 24/7 pet telehealth line

Cons

  • The waiting period for accident coverage is 14 days
  • Does not cover prescription pet food
  • Limited knee and ligament coverage (bilateral condition policies)

Great For Pre-Existing Conditions

If your Chihuahua suffers from a curable pre-existing condition Embrace Pet Insurance is your best choice! Most pet insurance companies do not cover pre-existing conditions, but Embrace distinguishes between curable and incurable pre-existing conditions. They can cover curable conditions after 12 months of symptoms and are treatment-free.


Chihuahua Average Vet Bill Cost (Healthy Vet Visits vs Emergencies)

Are you wondering how much you would have to pay out of pocket for regular vet visits and emergencies? Here is a breakdown of the average price for both.

If you don’t have insurance, you are likely to pay similar amounts for either visit type.

Healthy Vet Visits

  • Puppy vaccinations: $75-100
  • Flea & tick prevention: $40-200
  • Heartworm prevention: $24-120
  • Spay or neuter surgery: $200-800
  • Annual exam: $240-600
  • Teeth cleaning: $200-500
  • Microchip: $40

Emergency Vet Visits

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

Pet Insurance For Chihuahua Puppy

Should you get pet insurance for your Chihuahua puppy?

Here are the top reasons you should consider Chihuahua puppy insurance.

  • Lower Premiums. Younger pets are cheaper to insure than their older counterparts. Because pet insurance rates are based on age, breed and location, your premium is lower with puppies.
  • Covering Future Conditions. If you know your dog breed is predisposed to certain health issues, it’s best to insure your puppy before he shows any symptoms or is diagnosed with an illness or issue. Most pet insurance providers won’t cover pre-existing conditions. However, if your puppy develops one (i.e., cancer, allergies, diabetes) when insured, your pet insurance company will cover the cost and any future expenses.
  • Puppies Get In Trouble. Chihuahua puppies eat, chew, and lick almost anything. They are more prone to suffer from accidents and bacteria and virus infections.
  • Puppy Vet Bills. When you get a puppy for the first time, there are a lot of expenses associated with raising a puppy — from toys and food to vet-related costs. In fact, 81% of pet parents spend up to $500 on vet visits in the first year of having a puppy. While the upfront costs for first-year pet ownership typically cost over $1,000, says the ASPCA.

Types of Pet Insurance Coverage

What does pet insurance cover? It depends on your plan. There are two main types of pet insurance plans.

  • Accident Plans: Covers accident-related medical care such as ingestion of foreign objects, poisoning, or if your Chihuahua was hit by a car.
  • Illness Plans: Coves unexpected sickness, disease, and any changes to your dog’s normal healthy state (i.e., allergies and cancer)

You can sign up for 1 or 2 (or both), but this will mostly depend on your Chihuahua’s needs and finances. Most pet insurance companies nowadays offer a single plan that includes accidents and illness.

In addition to that, pet insurance providers also offer wellness plans, also known as “routine” or “preventative.” care plans. It covers most routine vet visits, such as vaccinations. A wellness plan is not pet insurance.

The Most Common Items Covered Per Type of Pet Insurance


Accident CoverageIllness CoverageWellness Coverage
Broken bonesObesityFlea, tick and worm treatments
Torn ligamentsUTIsRabies
Bite woundsCancerMicrochip
PoisoningHypothyroidism
De-worming
InjuriesDigestive Issues
teeth cleaning
EmergenciesIVDD
Routine testing
Eye InjuriesVomiting and diarrheaAnnual exams
Snake BiteArthritisSpay and neuter
Toxin food ingestionParasitesUrinalysis (ERD)

Not all pet insurance companies offer wellness plans. ii. Coverage items will depend and vary depending on the company and plan you choose.

What Does Pet Insurance Not Cover?

Pet insurance doesn’t cover it all!

When buying Pet Insurance for your Chihuahua, you’ll need to carefully review the different plans to see what isn’t covered.

Most pet insurance policies exclude the following:

  • Grooming
  • Pre-existing conditions
  • Unrelated veterinary services
  • Behavioral training, therapy, or treatment 
  • Breeding and pregnancy
  • Dog food or dietary or nutritional supplements
  • Boarding and transportation

This exclusion will vary depending on your pet insurance company and plan.

Tip: Please always read your policy! Request the complete list of exclusions before getting pet insurance. This will ensure your Chihuahua is fully covered by the plan you pick and help you avoid running into surprises down the road.

How Do I Pick The Right Dog Insurance For My Chihuahua?

Here are eight tips to help you choose the best pet insurance policy for your Chihuahua.

  • Compare the coverage under each plan with your Chihuahua’s specific health concerns.
  • Research what illnesses are prevalent in your dog’s breed and pick your plan accordingly (Use our table above for the most common Chihuahua health issues).
  • Speak with your veterinarian about your dog’s aging health concerns.
  • Pick a plan based on the right cost and coverage benefits, not price alone.
  • Obtain at least three quotes based on the information you provide about your Chihuahua’s age, health, gender, and needs.
  • The earlier you sign your Chihuahua for pet insurance, typically means lower the monthly premiums.
  •  Evaluate and pick the monthly premium, deductibles, and reimbursement amount that best fits your needs.
  • Narrow down your choices with our recommended top 3 providers.

Should I Get Pet Insurance For Your Chihuahua?

Owning a pet can be a huge source of joy, but also a major financial responsibility. Between regular check-ups, medication, and emergencies, veterinary bills can add up quickly. That’s where pet insurance comes in. These policies can provide coverage for unexpected expenses, allowing you to make the best decisions for your pet’s care without worrying about the cost. Similarly, knowing that your furry friend is covered can give you much-needed peace of mind in case of an emergency. While some may see buying pet insurance as an extra expense, it can actually save you money in the long run by reducing the financial risk associated with providing proper care for your beloved companion. Ultimately, investing in pet insurance is a wise decision for any responsible pet owner.


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Canine Bible uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.

[1] USA Today, [2] Value Penguin, [3] Washington Post [4] Healthy Paws Report [5] CNBC


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