Best Pet Insurance For Chihuahuas: Cost, Quotes & Plans
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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.
- Top Picks Insurance
- What Is Pet Insurance?
- How Much Will I Pay?
- Is Chihuahua Pet Insurance Worth It?
- Best Chihuahua Pet Insurance Reviews
- Average Cost of Healthy Vet Visits & Emergencies
- Pet Insurance For Chihuahua Puppy
- Pet Insurance Types
- What Is Not Covered
- How to Pick Pet Insurance
- Should I Get Chihuahua Pet Insurance?
The Best Pet Insurance Companies For Chihuahuas
Here are Canine Bible’s top 4 picks for the best pet insurance for Chihuahuas
Best Pre-Existing Conditions
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.
Check out our Pet Insurance Comparison table for Chihuahua below.
Pet Insurance Quotes For Chihuahuas
| Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
|---|---|---|---|---|---|---|---|---|
| Healthy Paws | $500 | 70% | Unlimited | $46.17 | Orlando (zip code: 32801) | Male | Chihuahua | 5 years |
| Lemonade | $500 | 70% | $100,000 | $22.66 | Orlando (zip code: 32801) | Male | Chihuahua | 5 years |
| Spot Pet Insurance | $500 | 70% | Unlimited | $53.94 | Orlando (zip code: 32801) | Male | Chihuahua | 5 years |
| Healthy Paws | $500 | 80% | Unlimited | $20.31 | Dayton (zip code: 45402) | Female | Chihuahua | 1 year |
| Lemonade | $500 | 80% | $100,000 | $18.56 | Dayton (zip code: 45402) | Female | Chihuahua | 1 year |
| Spot Pet Insurance | $500 | 80% | Unlimited | $45.79 | Dayton (zip code: 45402) | Female | Chihuahua | 1 year |
| Healthy Paws | $500 | 70% | Unlimited | $18.91 | Columbus (zip code: 68601) | Female | Chihuahua | 3 months |
| Lemonade | $500 | 70% | $100,000 | $11.00 | Columbus (zip code: 68601) | Female | Chihuahua | 3 months |
| Spot Pet Insurance | $500 | 70% | Unlimited | $35.61 | Columbus (zip code: 68601) | Female | Chihuahua | 3 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.
| Condition | Risk | Cost to Diagnose & Treat |
|---|---|---|
| Patellar Luxation | High | $1,500 - $3,000 |
| Portosystemic Shunts | Medium | $2,000 - $6,000 |
| Legg-Perthes Disease | High | $1,000 - $3,000 |
| Mitral Valve Disease | Medium | $500 - $2,000 |
| Corneal Dystrophy | High | $300 - $3,000 |
| Cryptorchidism | High | $200 - $500 |
| Tracheal Collapse | Medium | $500 - $5,000 |
| Hydrocephalus | Medium | $2,000 - $10,000 |
| Hypoglycemia | High | $800 - $8,000 |
Other Reasons To Get Dog Insurance For Your Chihuahua
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
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
Cons
Best Value — Lemonade Pet Insurance
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
Cons
Most Customizable Plans — Spot Insurance
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
Cons
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
Emergency Vet Visits
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.
Types of Pet Insurance Coverage
What does pet insurance cover? It depends on your plan. There are two main types of pet insurance plans.
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 Coverage | Illness Coverage | Wellness Coverage |
|---|---|---|
| Broken bones | Obesity | Flea, tick and worm treatments |
| Torn ligaments | UTIs | Rabies |
| Bite wounds | Cancer | Microchip |
| Poisoning | Hypothyroidism | De-worming |
| Injuries | Digestive Issues | teeth cleaning |
| Emergencies | IVDD | Routine testing |
| Eye Injuries | Vomiting and diarrhea | Annual exams |
| Snake Bite | Arthritis | Spay and neuter |
| Toxin food ingestion | Parasites | Urinalysis (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:
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.
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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