Best Pet Insurance For Havanese 2025: Is It Worth It?

This content was reviewed and fact-checked by veterinarian Dr. Aukse Caraite, DVM.

This is the most comprehensive guide to finding Havanese pet insurance. When it comes to finding the best pet insurance for your Havanese, there are a lot of factors to consider. We’ve put together this comprehensive guide to help you find the perfect policy for your furry friend. Your Havanese is your best friend. But what if your dog is too expensive to maintain? What if unexpected accidents or illnesses occur and you can’t afford the vet bills? Will you have the financial resources to cover it? We analyze the Havanese’s susceptibility to health problems, treatment cost, accident likelihood, and other factors you need to consider to decide if this dog insurance is necessary for your Havanese dog. You will also learn how pet insurance works and top tips for finding the best Havanese coverage. Let’s go!

Best Havanese Pet Insurance — At A Glance

What Is Havanese 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, even in the event of 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.

How Much Does Pet Insurance Cost For Havanese?

Pet Insurance Quotes For Havanese

We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different life stages in Havanese.

Puppy monthly cost: $32

Adult monthly cost: $34

Senior monthly cost: $31

Is Pet Insurance for Havanese Worth It?

The decision to purchase pet insurance for your Havanese depends on several factors, including your pet’s health risk profile, tolerance for financial risk, and overall financial situation. Consider a scenario where your Havanese 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 Havanese, like Patellar Luxation, can cost between $1,500 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 reports that 40% of Americans lack sufficient savings to cover a $400 emergency, and 57% of U.S. adults are unable to afford a $1,000 emergency expense.^[2]

Investing in pet insurance for your Havanese 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 provides peace of mind, knowing that your finances and your pet’s health are protected.

Predict & Protect Your Havanese’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 Havanese’s potential future health issues and risks, you can take preventive action today and ensure that your Havanese does not become a part of these statistics.

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 Havanese’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 Havanese

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Why Get Pet Insurance?

How to Pick The Best Havanese Pet Insurance

1. Pick a coverage type: Choose between accident-only, accident & illness, or plans with wellness coverage—based on your pet’s needs and your budget.
2. Check whether your pet is eligible: Most plans require pets to be 6–10 weeks old; older pets may face coverage limits.
3. Pre-existing conditions: These are typically excluded unless they are curable and have been untreated for at least 12 months.
4. Review cost versus benefits: Compare quotes and weigh the monthly premium against the plan’s coverage.
5. Breed-specific needs and coverage: Factor in your Havanese’s age, health, and hereditary conditions when choosing a plan.
6. Compare insurance providers: Get multiple quotes and research reputable insurers offering plans for Havanese.
7. Check the fine print and exclusion policy: Review limitations, especially for hereditary conditions and certain breeds.
8. Check waiting periods: Coverage typically begins 14 days after enrollment; certain conditions may have longer waiting periods.
9. Choose a deductible and reimbursement level: Higher deductibles lower monthly costs but increase out-of-pocket expenses during claims.
10. Sign up as early as possible: Younger pets are eligible for lower premiums and may secure better rates at enrollment.
11. Look for additional perks and discounts: Some insurers offer multi-pet discounts, microchip benefits, and coverage for alternative therapies.

Best Pet Insurance For Havanese

1. Best Overall Havanese Pet Insurance

Deductible: $100, $250, $500 or $750

Reimbursement rates: 70%, 80%, or 90%

Annual payout limit: $5,000 to $100,000

Why we recommended it: We named Lemonade our best overall pet insurance for Havanese for its comprehensive coverage, pricing, availability, and customer service. Lemonade premiums typically start at just $10 per month, the lowest in the industry. We ran a few quotes for a healthy Havanese at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $22 and $25 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 Havanese Pet Insurance

Deductible: $100, $250, $500, $750, or $1,000

Reimbursement rates: 70%, 80%, or 90%

Annual payout limit: $2,500 to Unlimited

Why we 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 Havanese gets sick, you pay less upfront before your plan starts paying. With numerous customization options, this company is our top pick for finding a plan that meets 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 provide one of the most affordable plans for accident-only coverage, making it an ideal option for pet owners who require only minimal coverage. We ran a few quotes for a healthy Havanese with a $500 deductible and 70% coverage. Based on our research, you can expect to pay between $41 and $50; however, prices may vary depending on your location, the Havanese’s age, and other factors. Spot covers you when your Havanese gets hurt unexpectedly, from tooth extractions and torn ligaments to surgery and hospitalizations.

3. Best Pet Insurance For Pre-Existing Conditions

Deductible: $100, $250, $500, $750 or $1,000

Reimbursement rates: 70%, 80%, or 90%

Annual payout limit: $5,000 to unlimited

Why we recommended it: Embrace Pet Insurance distinguishes between curable and incurable conditions. If your pet has a curable condition (such as an ear infection or gastrointestinal issue) that has been symptom-free for 12 months, Embrace may provide coverage, unlike most providers that exclude pre-existing conditions entirely. This makes it an excellent choice for pet parents dealing with common, manageable health concerns. Beyond this standout benefit, Embrace offers comprehensive accident and illness coverage, including cancer, chronic conditions, orthopedic issues, alternative therapies, and more. Claim processing is typically quick, and the company receives high marks for customer service. We ran a quote for a healthy Havanese with a $500 deductible and 70% reimbursement rate; monthly premiums ranged between $28 and $34, depending on age, breed, and location. With flexible coverage options, fewer exclusions, and generous benefits for curable conditions, Embrace is a top-tier pick, especially for pets with a medical history.

Other Pet Insurance Options

👉 Looking for more options? Explore our in-depth guide to the Best Pet Insurance Companies to find the right coverage for your furry friend.

Types of Pet Insurance Coverage For Havanese

What Does Pet Insurance Not Cover?

When selecting pet insurance for your Havanese, it is essential to review and understand the policy’s exclusions. 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 Havanese is adequately covered by the plan you select and help prevent surprises in the future.

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

Top Reasons to Get Insurance for Havanese Puppies

Reason	Explanation
Lower Premiums	Enrolling your pet at a younger age, when they are healthy and less likely to have developed any health issues, means there’s a lower risk for insurance companies—which typically results in lower premiums.
Covering Future Conditions	Since Havanese are predisposed to certain health issues, it’s smart to insure them before any symptoms or diagnoses occur. Pet insurance usually doesn’t cover pre-existing conditions, but if a covered condition arises later, like cancer or allergies, the policy will likely cover treatment and ongoing costs.
Puppies Get in Trouble	Havanese puppies are curious and prone to getting into mischief, which increases their risk of accidents and infections caused by bacteria or viruses.
Puppy Vet Bills	Raising a puppy includes various expenses—especially vet bills. Around 81% of pet parents spend up to $500 on veterinary visits in the first year. The ASPCA reports that total first-year pet costs can exceed $1,000, including expenses for food, toys, and medical care.

Cost of Havanese Vet Bills

This is the average amount you will pay out-of-pocket if you don’t have pet insurance or a wellness plan.

Average Cost of Typical Vet Procedures

Average Cost of Emergency Vet Procedures 

Source: 5 & 6

Factors That Impact the Cost of Your Havanese Pet Insurance Policy

Understand Insurance Policy Basics

How Does Pet Insurance Work?

Imagine your Havanese’s pet insurance policy has the following terms:

Now, let’s say your Havanese incurs a veterinary bill of $3,000 for medical treatment.

1. Paying the deductible: The first step is to pay your deductible, which, in this case, is $200.
2. Applying co-insurance: After the deductible, there’s $2,800 left ($2,000 – $200). The co-insurance of 10% applies to this amount. This means you are responsible for 10% of $2,800, which equals $280.
3. Insurance pays the rest: The insurance will cover 90% of the post-deductible amount. So, the insurance pays 90% of $2,800, which is $2,520.
4. Total out-of-pocket cost: Adding up your deductible and co-insurance payments gives you your total out-of-pocket cost: $200 (deductible) + $280 (co-insurance) = $480.

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 $2,520 for this claim, the remaining yearly payout limit is $20,000 – $2,520 = $17,480.

Frequently Asked Questions

The Bottom Line

You may still be undecided about whether you need pet insurance for your Havanese. However, remember that accidents can happen, illnesses can strike at any time, and owning a pet can be expensive. In an emergency, you can ensure that your furry friend will receive the best possible care by getting pet insurance. Many pet insurance policies cover routine preventive care, such as annual exams and vaccinations. We hope this guide helps you to make the correct decision. Remember to read through the fine print and understand the coverage before signing up for pet insurance, as not all insurance companies are the same.

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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.

1. Breiner, B. (2023). Average Cost of Pet Insurance: 2023 Quotes. ValuePenguin.
2. Gillespie, L. (2023, February 23). Bankrate’s Annual Emergency Fund Report. Bankrate.
3. Healthy Paws Pet Insurance. (2019). 2019 Cost of Pet Health Care Report.
4. Kim, & Frode Lingaas. (2023). Cataracts in Havanese: genome wide association study reveals two loci associated with posterior polar cataract. Canine Medicine and Genetics, 10(1).
5. Average Cost Of Emergency Vet Visits | Find Out What You Will Pay. (2020, March 19). Emergency Vets USA.
6. Cost of Owning a Dog: From Initial Cost to Annual Essentials. (n.d.). The Dog People.