Best Pet Insurance For Chihuahuas — All You Need to Know
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Do you own a Chihuahua? If so, you’re probably aware of the expenses that come with taking care of these tiny dogs. These pint-sized companions may be small in size, but when it comes to their health and well-being, their needs are just as significant as any other breed. In this article, we will evaluate the best pet insurance plans for Chihuahuas specifically tailored for this breed. We’ll also offer guidance on crucial factors to contemplate when choosing a plan and everything in between, guaranteeing that your Chihuahua receives the most comprehensive coverage. Let’s dive in!
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Best Chihuahua Pet Insurance — At A Glance
Best Overall
Best Personalized
Best No-Cap Payouts
Healthy Paws
Great for covering major
medical or ongoing expenses.
Beneficial for high-risk breeds.
What Is Chihuahuas Pet Insurance: Pet insurance is a healthcare policy that provides coverage for your pet, offering reimbursement for specific veterinary expenses. This ensures that your savings remain secure despite unforeseen medical costs. Such a policy involves a monthly premium. Should your pet fall ill or sustain an injury, you would file a claim with the insurance company to recoup your expenses.
The monthly premium for Chihuahua pet insurance
$22 to $46
How Much Does Pet Insurance Cost For Chihuahuas?
The cost of pet insurance for a Chihuahua dog will vary based on several factors, including the pet’s existing health conditions, sex, age, and the area you reside in. It’s important to remember that with the progression of veterinary technology and increased claims within your locality, your insurance premiums may rise. For example, even if your Chihuahua is quoted at $55 per month, this rate is not fixed and could change.
According to our research, plans for Chihuahuas can range from $22 to $46. You may spend more or less depending on where you live, the deductible rate and the reimbursement percentage you choose. Chihuahuas owners can expect to pay an average $31 monthly premium.
Pet Insurance Quotes For Chihuahuas
We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different life stages in Chihuahua.
| Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
|---|---|---|---|---|---|---|---|---|
| Lemonade | $500 | 70% | $100,000 | $24.65 | SC, 29044 | Male | Chihuahua | 6 years |
| Spot | $500 | 70% | Unlimited | $37.99 | SC, 29044 | Male | Chihuahua | 6 years |
| Healthy Paws | $500 | 70% | Unlimited | $30.30 | SC, 29044 | Male | Chihuahua | 6 years |
| Lemonade | $500 | 70% | $100,000 | $22.65 | CA, 95842 | Female | Chihuahua | 2 year |
| Spot | $500 | 70% | Unlimited | $46.02 | CA, 95842 | Female | Chihuahua | 2 year |
| Healthy Paws | $500 | 70% | Unlimited | $24.74 | CA, 95842 | Female | Chihuahua | 2 year |
| Lemonade | $500 | 70% | $100,000 | $28.04 | TX, 75219 | Female | Chihuahua | 6 months |
| Spot | $500 | 70% | Unlimited | $41.10 | TX, 75219 | Female | Chihuahua | 6 months |
| Healthy Paws | $500 | 70% | Unlimited | $26.88 | TX, 75219 | Female | Chihuahua | 6 months |
Chihuahua puppy monthly cost: $32
Adult Chihuahua monthly cost: $31
Senior Chihuahua monthly cost: $31
Is Pet Insurance For Chihuahua Worth it?
The decision to purchase pet insurance for your Chihuahua hinges on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.
Consider a scenario where your Chihuahua falls seriously ill or suffers an injury from an accident, incurring veterinary bills in the thousands. On average, the most common dog treatments cost $254.[1] A more severe and common condition in Chihuahua, like Legg-Perthes Disease, can cost between $1,000 and $3,000 to diagnose and treat. Can you pay for an unexpected $3,000 veterinary bill out-of-pocket? Most people can’t. The Federal Reserve states that 40% of Americans don’t have enough savings to cover a $400 emergency and 57% of U.S. adults cannot afford a $1,000 emergency expense.[2]
Investing in pet insurance for your Chihuahua is a wise choice to protect your finances and ensure your dog can receive the necessary care. With pet insurance, should an unexpected accident or illness occur, you could be reimbursed for 70% to 100% of the veterinary costs, depending on the details of your plan and provider. Pet insurance gives peace of mind, knowing your finances and pet’s health are covered.
Predict & Protect Your Chihuahua’s Future Health
Canine Bible uses years of clinical health findings, pet insurance data points, trends, and surveys to identify common health conditions in dogs. By gaining insight into your Chihuahua’s potential future health issues and risks, you can take preventive action today and ensure that your Chihuahua does not become a part of these statistics.
1 in 3
dogs will need emergency veterinary treatment every year.
$250 to $8K
is the average cost of unexpected veterinary care for dogs.[3]
13.5%
of Chihuahuas suffer from periodontal disease.
18.8%
of Chihuahua deaths are caused by heart disease.[4]
If you know your dog’s breed is predisposed to certain health issues, we strongly advise getting a pet insurance policy while your dog is still healthy. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Chihuahua’s life. Pet Insurance can spare you a lot of financial trouble.
Dogs that develop chronic conditions under pet insurance coverage are guaranteed reimbursement for these issues for the duration of their life.Most Common Health Conditions In Chihuahua
Cost to treat ulceration
Ulceration in Chihuahuas often manifests as stomach or intestinal ulcers, typically caused by stress, diet, or medication. Symptoms include vomiting, weight loss, and discomfort.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat patellar luxation
Patellar luxation in Chihuahuas involves the dislocation of the kneecap from its normal position. This condition, often genetic, can cause lameness or an abnormal gait. Factors like trauma or congenital defects contribute to its development. Severity varies, potentially leading to arthritis or reduced mobility in affected dogs.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat portosystemic shunts
Portosystemic shunts in dogs involve abnormal blood vessel connections allowing blood to bypass the liver, leading to unfiltered blood reaching systemic circulation. This condition can cause toxins to accumulate, affecting neurological and digestive health. It’s often congenital, resulting from genetic predispositions in this breed.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat Legg-Calve-Perthes Disease
Legg-Calvé-Perthes Disease in Chihuahuas is characterized by the deterioration of the femoral head in the hip joint. This occurs due to inadequate blood supply, leading to bone necrosis. Common in young, small breeds, it causes limping, joint stiffness, and pain, significantly impacting mobility and quality of life.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat mitral valve disease
Chihuahuas often suffer from mitral valve disease, where the heart’s mitral valve deteriorates. This leads to blood flow issues and potential heart failure. Aging and genetic factors predominantly cause this condition, affecting the dog’s overall cardiac health and stamina.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat hydrocephalus
Commonly known as “water on the brain,” this condition is characterized by an abnormal accumulation of cerebrospinal fluid in the brain’s ventricles, leading to increased pressure. In Boston Terriers, it can be congenital or acquired. Symptoms include a domed skull, lethargy, and uncoordinated movement. Treatment may involve surgery or medication.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat cryptorchidism
In Chihuahuas, Cryptorchidism is marked by the absence of one or both testicles from the scrotum. This often hereditary issue can escalate to cancer risks. Surgical intervention is typically recommended to avert potential complications.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat tracheal collapse
Tracheal Collapse in Chihuahuas is characterized by a weakened trachea, leading to a characteristic honking cough and difficulty in breathing. Factors such as obesity or environmental stressors often aggravate this condition, necessitating careful management.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat hypoglycemia
Hypoglycemia, or low blood sugar, in Chihuahuas, often stems from their small body size, which can’t store much glucose. Skipping meals, overactivity, or illness can trigger this. Symptoms include lethargy and shaking, and it’s critical to provide a quick sugar source for recovery.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Why Get Pet Insurance For Chihuahuas?
Benefits For Chihuahua
Benefits For Owners
How to Pick The Best Chihuahua Pet Insurance
Best Pet Insurance For Chihuahua
1. Best Overall Chihuahua Pet Insurance
Lemonade
Who It’s For: Excellent for Chihuahua parents seeking the best all-around comprehensive coverage for accidents & illness at a value price.
Why we picked and recommended it: We named Lemonade our best overall pet insurance for Chihuahuas for its comprehensive coverage, pricing, availability, and customer service. Lemonade premiums usually start at just $10 monthly, the lowest in the industry. We ran a few quotes for a healthy Chihuahua at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $22 and $28 monthly. 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.
2. Best Personalized Chihuahua Pet Insurance
Spot Insurance
Who It’s For: Spot Pet Insurance is ideal for Chihuahua dog owners who want the most flexibility when customizing their policy to fit their budget and coverage needs.
Why we picked and recommended it: Spot Pet Insurance 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 is 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. We ran a few quotes for a healthy Chihuahua at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $38 and $46, 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 and torn ligaments to surgery and hospitalizations.
3. Best No-Cap Payout Chihuahua Pet Insurance
Healthy Paws
Who It’s For: With no financial cap, it’s ideal for covering major medical or ongoing expenses such as chronic conditions. Beneficial for high-risk breeds such as Chihuahua.
Why we picked and recommended it: Healthy Paws offers the benefit of no cap payout, meaning there’s no maximum limit on the amount they will pay, which is particularly advantageous for severe conditions or chronic diseases that require ongoing, expensive treatments. With no financial cap, you can choose the best treatments for your pet. This can include access to advanced medical procedures, specialized surgeries, or cutting-edge treatments that might otherwise be prohibitively expensive. Additionally, Healthy Paws stands out for its quick claim processing, typically paying 99% of claims in two days, notably faster than many competitors. 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 $24 and $30. Healthy Paws insurance plans cover accidents and illnesses, cancer, emergency care, genetic conditions, alternative care, etc. They have competitive premium prices and fewer coverage exclusions.
Types of Pet Insurance Coverage For Chihuahuas
There are two main types of pet insurance plans.
What Does Pet Insurance Not Cover?
When choosing pet insurance for your Chihuahua, reviewing and understanding your policy’s exclusions is important.
Exclusions vary based on the pet insurance company and the policy you choose. Be sure to review the list of exclusions before purchasing pet insurance to confirm that your Chihuahua is adequately covered by the plan you select and help prevent surprises in the future.
Pet Insurance For Chihuahua Puppies
Should you get pet insurance for your Chihuahua puppy? Here are the top reasons you should consider Chihuahua puppy insurance.
Average Cost of Chihuahua Vet Bills
This is what you will pay out-of-pocket on average if you don’t have pet insurance or a wellness plan.
Average Cost of Typical Vet Procedures
| Typical Vet Procedure | Average Cost of Procedure |
|---|---|
| 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 |
Average Cost of Emergency Vet Procedures
| Typical Vet Procedure | Average Cost Of Procedure |
|---|---|
| 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 days holspitalization | $1,500 - $3,500 |
| Wound treatment & repair | $800 - $1,500 |
| Emergency surgery | $800 - $2,500 |
| Oxygen therapy | 500 |
Sources: 5 & 6
Factors That Impact the Cost of Your Chihuahua Pet Insurance Policy
Deductibles, co-pays & coverage limits
The lower the amount you pay out of pocket for your pet’s care, the higher your insurance premium will be. For instance, selecting a deductible of $300 instead of $800 means you’ll get reimbursed quicker for your pet’s care, but it also leads to higher premium payments.
Breed
Certain breeds are prone to congenital health issues. For example, breeds such as Chihuahuas often struggle with Cancer and bloat. These breed tendencies could influence your pet insurance expenses.
Location
Local veterinary care expenses are taken into account by pet insurance companies when setting the price of your policy.
Pet’s Age
Older pets generally face more health problems, which results in higher insurance premiums because there is a higher risk for the insurance company.
Understand Insurance Policy Basics
How Does Chihuahua Pet Insurance Work?
Imagine your Chihuahua’s pet insurance policy has the following terms:
Now, let’s say your Chihuahua incurs a veterinary bill of $5,000 for medical treatment.
This example assumes you haven’t yet met your deductible for the year. If you’ve already met your annual deductible, you won’t have to pay again for this or any new claims within the same policy year. And, since every claim you make contributes to your annual payout limit after the insurance company pays $4,320 for this claim, the remaining yearly payout limit is $20,000 – $4,320 = $15,680.
Frequently Asked Question
Chihuahua Pet Insurance — Conclusion
Owning a pet can bring immense joy, but it also comes with significant financial responsibilities. From regular check-ups and medications to unexpected emergencies, veterinary bills can accumulate rapidly. This is where pet insurance becomes valuable. These policies offer coverage for unforeseen expenses, enabling you to prioritize your pet’s care without the burden of worrying about the cost. Having the assurance that your furry friend is protected can provide much-needed peace of mind, especially in emergencies. While some may view purchasing pet insurance as an additional expense, it can ultimately save you money in the long term by mitigating the financial risks associated with providing proper care for your beloved companion. In conclusion, investing in pet insurance is a prudent choice for any responsible pet owner.
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Disclaimer: The details about insurance company offerings, including prices, availability, and contract specifics, can change at any time and are at the discretion of the insurance company. This website does not control these changes. The information provided here is for reference only. It is important to thoroughly read and understand your policy before signing up for a new insurance contract, as your situation may differ from the examples used in this article.
Sources
Canine Bible uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process and product review methodology to learn more about how we fact-check, test products, and keep our content accurate, reliable, and trustworthy.
- Breiner, B. (2023). Average Cost of Pet Insurance: 2023 Quotes. ValuePenguin.
- Gillespie, L. (2023, February 23). Bankrate’s Annual Emergency Fund Report. Bankrate.
- Healthy Paws Pet Insurance. (2019). 2019 Cost of Pet Health Care Report.
- O’Neill, D. G., Packer, R. M. A., Lobb, M., Church, D. B., Brodbelt, D. C., & Pegram, C. (2020). Demography and commonly recorded clinical conditions of Chihuahuas under primary veterinary care in the UK in 2016. BMC Veterinary Research, 16(1).
- Average Cost Of Emergency Vet Visits | Find Out What You Will Pay. (2020, March 19). Emergency Vets USA.
- Cost of Owning a Dog: From Initial Cost to Annual Essentials. (n.d.). The Dog People.
Canine Bible authorship represents the unified voice of our entire editorial team and our in-house veterinarians rather than a single author. Each article, blog post, and review published under the Canine Bible name undergoes a rigorous review process, involving all team members to guarantee accuracy and up-to-date in accordance with the latest veterinarian research. This collaborative effort is an integral part of our editorial process and aligns with our four pillars of content creation. This approach ensures our content is backed by expert knowledge and factual information, offering our readers reliable, actionable, and trustworthy content.
