Best Pet Insurance For Havanese 2022: Cost, Quotes & More

best havanese pet insurance

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This is the most comprehensive guide to finding the best pet insurance for Havanese.

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 to top tips on finding the best coverage for your Havanese. Let’s go!

The Best Pet Insurance Companies For Havanese

Here are Canine Bible’s top 3 picks for the best pet insurance for Havanese.

healthy paws pet insurance
Top Pick

Best Overall

embrace pet insurance
Top Pick

Curable Pre-Existing Conditions

pets best pet insurance
Top Pick

Best Value

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

  1. Healthy Paws: Best overall pet insurance for your Havanese.
  2. Embrace Pet Insurance: Great for curable pre-existing conditions.
  3. Pets Best: Best value for your wallet.

What Is Pet Insurance?

Getting pet insurance for your Havanese 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 peace of mind and protecting your savings.

How Much Does Pet Insurance Cost For Havanese?

Havanese 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 advances in technology and an increasing number of claims in the location where you live can make your monthly payment increase. For instance, if your Havanese is quoted at $40 per month today, that price is subject to change.

We compared quotes for plans for Havanese 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 Havanese at different stages in their life. An adult Havanese (5 years old), a young Havanese (1-year-old), and a puppy Havanese (3 months old).


Check out this Pet Insurance cost comparison table for Havanese.

Pet Insurance Quotes For Havanese

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50080%Unlimited$30.25Albuquerque
(zip code: 87106)
MaleHavanese5 years
Embrace$50080%$30,000$59.85Albuquerque
(zip code: 87106)
MaleHavanese5 years
Pets Best$50080%Unlimited$19.76Albuquerque
(zip code: 87106)
MaleHavanese5 years
Healthy Paws$50090%Unlimited$49.84San Francisco
(zip code: 94122)
FemaleHavanese1 year
Embrace$50090%$30,000$54.89San Francisco
(zip code: 94122)
FemaleHavanese1 year
Pets Best$50090%Unlimited$38.06San Francisco
(zip code: 94122)
FemaleHavanese1 year
Healthy Paws$50070%Unlimited$22.83Orlando
(zip code: 32805)
FemaleHavanese3 months
Embrace$50070%$30,000$27.44Orlando
(zip code: 32805)
FemaleHavanese3 months
Pets Best$50070%Unlimited$16.41Orlando
(zip code: 32805)
FemaleHavanese3 months

So, how much are you expected to pay for canine insurance for your Havanese?

If you get Pet Insurance for your Havanese, you can expect to pay between $16 to $60 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 March 2022.

Is Pet insurance For Havanese Dogs Worth it?

Yes, it is worth it. Vet bills could ruin you financially if you have an emergency or your pet develops a health issue. Your policy can cover 70% to 90% of the vet bill when you purchase pet insurance. Keep reading if you think that’s not enough of a reason to get an insurance policy.

Here are three main reasons you should consider getting pet insurance for your Havanese.

1. Avoid Deciding Between Your Wallet & Your Havanese

The latest reports that many dog owners have had to make the terrible decision to euthanize their pup because they didn’t have the money to pay for surgery or treatment.1

With pet insurance, you are to seek out medical care for your sick or injured Havanese without worrying about financial difficulties.

On average, the most common dog treatments cost $252.75, while a more severe and common condition in Havanese, like Hip Dysplasia, can cost between $1,500 – $6,000 to diagnose and treat.2

2. 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 Havanese numbers?

The latest survey showed that roughly 90 million dogs live in the U.S.3 So, unfortunately, 33% (1 in 3) of the Havanese population may need emergency care.

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

Having a good pet insurance plan will cover the majority 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 Havanese

The following table depicts the most common health conditions Havanese 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 LuxationLow$1,500 - $3,000
Hip DysplasiaLow$1,500 - $6,000
Retinal AtrophyHighVaries
CataractsMedium$2,700 - $4,000
Eyelash DisordersLow$300 - $3000
HypothyroidismMedium$200 - $1,000
DeafnessMedium$100 - $300

Other Reasons To Get Dog Insurance For Your Havanese

  • 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 Havanese can spare you a lot of financial trouble. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Havanese life.


Best Pet Insurance For Havanese

Meet Canine Bible’s top picks for best pet insurance for Havanese dogs.

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 Havanese.

Best Overall: Healthy Paws

Why is Healthy Paws a good choice for your Havanese?

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 Havanese at a $500 deductible, with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $23 and $50.

With Healthy Paws, you can start protecting your Havanese 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 fee 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

Embrace Pet Insurance Review: Great For Curable Pre-Existing Conditions

If your Havanese 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 symptom and are treatment-free.

If you sign up with Embrace, based on our research, you can expect to pay between $27 and $60, but prices may vary depending on your location, Havanese’s age, and other factors.

From tooth extractions to torn ligaments, Embrace has you covered when your Havanese gets hurt unexpectedly. They can also cover Patellar Luxation treatment, which Havanese are prone to, as long as they were diagnosed after coverage.

Claims are addressed fairly quickly (averages 10 to 15 business days), and centers for after-hour treatment are included in emergency care coverage. 

Also, your Havanese annual deductible goes down $50 each year you don’t receive an accident or illness claim reimbursement.


PROS
  • Curable pre-existing conditions eligible for coverage
  • Reimburses for preventative veterinary care, grooming, training, and more with no per-item limits payout caps under their optional Wellness Rewards* plan
  • Coverage for exam fees
  • 24/7 PawSupport Pet Health Line to speak with a pet professional
  • BBB rating is A+
  • 10% multiple pet discounts
  • Coverage when traveling outside of the U.S. with your pet
CONS
  • $25 enrollment fee
  • $1.00 monthly transaction fee
  • Requires a 2-day waiting period for accidents
  • Must call for unlimited claim option

*Wellness Rewards not available in Rhode Island.


Best Value: Pets Best Review

Pets Best offers excellent pet insurance coverage for your Havanese, but that’s also affordable.

We ran a few quotes for a healthy Havanese at a $500 deductible and a 70%, 80%, and 90% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $16 and $38, depending on your location, pet’s age, gender, and other factors.

This company has no upper age limit so that you can enroll your aging Havanese in a plan no matter their age. Keep in mind that rates go up depending on your pet’s age.

Their plans cover emergencies, cancer, illnesses, and other situations your senior dog may encounter. It even includes access to a 24/7 Pet Helpline so you can speak with a veterinarian any time.

It typically has a reasonable claim repayment time of 2 days if you have a direct deposit. If you don’t, it will take between 5-7 days.


PROS
  • Most affordable coverage pricing
  • BBB Rating: A+
  • 24/7 Pet Helpline to speak with a vet expert
  • Pet travel is covered in the U.S., Canada, and Puerto Rico
  • 30-day money-back guarantee
  • Routine care coverage
  • 5% multi-pet discount
  • No age limits
  • Accident and illness exam fee coverage
CONS
  • 14-day waiting period for illness and 3 days for Accident
  • Premiums increase as pet ages
  • 6-month waiting period for CCL injuries
  • Average claim repayment is longer than the competition

Average Cost of Havanese Vet Bills (Healthy Vet Visit vs Emergencies)

Aside from health treatment for specific health conditions (e.i., hip dysplasia), there are two types of vet bills: regular vet visits and emergency visits.

If you don’t have pet insurance or a wellness plan, here is how much you can expect to pay for either.

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

Sources: Emergency Vets USA & Rover

Pet Insurance For Havanese Puppy

Should you get pet insurance for your Havanese puppy? Here are the top reasons you should consider Havanese 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 presdisposed to certain health issues, it’s best to insure your puppy before he shoes shows any symptoms or is diagnosed with an illness or issue. Most pet insurance provides won’t cover pre-existing conditions. However, if your puppy develops one (i.e. cancer, allergies, diabetis) when insured, your pet insurance company will cover the cost and any future expenses.
  • Puppies Get In Trouble. Havanese puppies will eat, chew and lick pretty much anything. They are more prone to suffer from accidents and bacteria, virus infection.
  • Puppy Vet Bills. When you get a puppy for the first time, there are a lot of expenses associated with rasing a puppy. From toys, food to vet-related expenses. 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 Havanese 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 Havanese needs and finances. Most pet insurance companies nowadays offer a single plan that includes accident 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.

Take a look at the table below to see the most common items covered by each type of pet insurance plan.


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)

*i. 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?

It’s not all covered by pet insurance!

Before selecting Pet Insurance for your Havanese, you should carefully review the different plans to determine what is and 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 which pet insurance company and plan you choose.

Pro Tip: Please always READ your policy! Request the full list of exclusions before getting pet insurance. This will ensure your Havanese 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 Havanese?

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

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

Should I Get Havanese Pet Insurance?

You may still be on the fence about whether or not you need pet insurance for your Havanese. But remember: accidents happen, illnesses can strike at any time, and pets can be expensive to own.

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 like annual exams and vaccinations.

We hope this guide helps you to make the correct decision. Remember, you should read through the fine print and understand the coverage before signing up for pet insurance since not all insurance companies are the same.


Resources & References: [1] USA Today, [2] Value Penguin, [3] Washington Post [4] Healthy Paws Report

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