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

havanese insurance

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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?

The cost of insurance for a Havanese dog will vary based on several factors, including the pet’s existing health conditions, sex, age, and the area you reside in. It’s essential to note that as veterinary technology advances and claims increase in your locality, your insurance premiums may also rise. For example, even if your Havanese is quoted at $55 per month, this rate is not fixed and could change.

According to our research, plans for Havanese can range from $22 to $50. You may spend more or less depending on where you live, the deductible rate, and the reimbursement percentage you choose. Havanese dog owners can expect to pay an average of $32 per month in premiums.

The monthly premium for Havanese
pet insurance: $22 to $50

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.

Company Deductible Reimbursement Annual Reimbursement Limit Monthly Price Location Gender Breed Age
Lemonade$50070%$100,000$21.97SC, 29044MaleHavanese6 years
Spot$50070%Unlimited$41.05SC, 29044MaleHavanese6 years
Healthy Paws$50070%Unlimited$30.30SC, 29044MaleHavanese6 years
Lemonade$50070%$100,000$25.33CA, 95842FemaleHavanese2 year
Spot$50070%Unlimited$50.40CA, 95842FemaleHavanese2 year
Healthy Paws$50070%Unlimited$24.74CA, 95842FemaleHavanese2 year
Lemonade$50070%$100,000$25.49TX, 75219FemaleHavanese6 months
Spot$50070%Unlimited$44.41TX, 75219FemaleHavanese6 months
Healthy Paws$50070%Unlimited$26.88TX, 75219FemaleHavanese6 months

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.

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]

90

Havanese dog parents seek health advice every month.

11.5%

of Havanese are diagnosed with cataracts.[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 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

Health Condition Risk Profile Estimated Treatment Cost Insurance Reimbursement* Description
Congenital Heart Defect High $4,000 $3,600 Hereditary heart malformation present at birth; may cause fatigue, coughing, and weakness.
Hypothyroidism Medium $550 $495 Underactive thyroid causing weight gain, lethargy, and skin issues.
Hip Dysplasia High $3,600 $3,240 Malformed hip joint leading to arthritis or mobility issues.
Cataracts Medium $3,400 $3,060 Cloudy eye lenses leading to impaired vision or blindness.
Deafness Low $250 $225 Partial or complete hearing loss, often genetic in origin.
Progressive Retinal Atrophy (PRA) Medium $750 $675 Inherited eye disease causing gradual vision loss.
Patellar Luxation High $2,250 $2,025 Dislocation of the kneecap, common in small breeds.
Eye Diseases Medium $1,150 $1,035 Includes glaucoma, dry eye, and retinal issues.

*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?

Benefits for Havanese Benefits for Owners
Access to better care and health outcomes due to financial barriers being removed Decreases the likelihood of economic euthanasia when the cost is a limiting factor for treatment
Cover hereditary conditions and get better breed-specific care Reduces unexpected veterinary costs
Prompt access to medical treatments Financial peace of mind
Ongoing access to healthcare and emergency care Cover third-party liabilities
Preventive care options Avoid rising veterinary costs
Facilitates treatment from specialists Can help you find your missing/stolen pet

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

4.8

Lemonade

Who It’s For: Excellent for Havanese parents seeking the best all-around comprehensive coverage for accidents & illness at a value price.

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

4.8

Spot

Who It’s For: Spot Pet Insurance is ideal for Havanese dog owners who want the most flexibility when customizing their policy to fit their budget and coverage needs.

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

4.8

Embrace

Who It’s For: Perfect for addressing curable pre-existing conditions and for those with younger pets who want a policy that rewards them for maintaining their pet’s health over time.

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

It covers accident-related medical care, such as ingestion of foreign objects, poisoning, or if your Havanese was hit by a car. Accident-only plans are typically more affordable than accident and illness policies. This can be a reasonable option for a pet with many pre-existing conditions.

Common items covered by this plan include: broken bones, torn ligaments, bite wounds, poisoning, injuries, eye injuries, snake bites, and toxic food ingestion.

These policies are the most popular because they cover accidents and illnesses, including unexpected medical expenses. Because no provider covers pre-existing conditions, it is crucial to sign your pet up for coverage as early as possible.

Common items covered by this plan include: Accidents plus illnesses such as obesity, UTIs, cancer, hypothyroidism, digestive issues, IVDD, vomiting and diarrhea, arthritis, and parasites.

Some companies also offer a wellness plan (also known as preventive care) during enrollment. This typically covers routine veterinary expenses, but the coverage varies by provider. It’s typically available as an add-on to an accident-only or accident-and-illness policy, but some companies allow you to purchase it without an insurance policy. This add-on coverage isn’t technically an insurance product.

Common items covered by this plan include: Flea, tick, and worm treatments, rabies vaccinations, microchipping, deworming, teeth cleaning, routine tests, annual exams, spaying and neutering, and urine analysis.

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

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
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 hospitalization $1,500 – $3,500
Wound treatment & repair $800 – $1,500
Emergency surgery $800 – $2,500
Oxygen therapy $500

Source: 5 & 6

Factors That Impact the Cost of Your Havanese Pet Insurance Policy

Understand Insurance Policy Basics

  • Premium. The amount you pay monthly or annually for your pet insurance policy.
  • Deductible. The money you need to pay out-of-pocket for veterinary expenses before your policy begins to reimburse you. This is typically reset at the end of each policy period (annually). However, some pet insurance providers have per-incident deductibles, which you must pay for every new condition your dog suffers before receiving any reimbursement for that incident. Annual vs. per-incident deductibles can impact the amount you’re expected to pay, so read the policy before committing to a company.
  • Reimbursement rate. The percentage of the vet bill that the insurance company will pay after you meet your deductible. The most popular reimbursement options are 70%, 80%, and 90%. However, some companies provide different or limited options depending on the dog’s age or location.
  • Annual payout limit. The maximum amount the insurance company will pay in medical bills per year. Having lower payout limits could result in you covering more of the expenses if your pet requires costly veterinary care.
  • Co-pay (co-insurance). The portion of the veterinary bill you must pay after your deductible is met, before reimbursements. In broader health insurance contexts, a “co-pay” often refers to a fixed amount (for example, $20 per doctor’s visit), regardless of the total bill, whereas “co-insurance” is typically a percentage of the total cost.

How Does Pet Insurance Work?

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

  • Annual deductible: $200
  • Reimbursement rate: 90%
  • Annual payout limit: $20,000
  • Co-insurance: 10%

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

Pet insurance for a Havanese puppy typically starts at an average cost of $32.

To save money on pet insurance for your Havanese, consider paying your premiums annually instead of monthly. This is because many insurance companies charge additional transaction fees for monthly payments, which can be reduced or eliminated with annual payments. Additionally, if you have multiple pets, look for insurers that offer multi-pet discounts. This can result in up to 10% savings on each pet’s insurance over its lifetime. However, it’s essential to note that some companies only apply these discounts to additional pets, not the first one, so be sure to check this detail before signing up for a new policy.

Ideally, as early as possible, typically 6-10 weeks old, to ensure coverage for breed-specific conditions.

Havanese are prone to certain breed-specific health issues like heart conditions, hip dysplasia, and cancers, which pet insurance can cover more effectively and take out the financial burden of covering all the costs yourself.

Yes, but options may be limited, and premiums may be higher due to the increased risk of health issues.

Typically, you pay the vet bill upfront, submit a claim form to the insurance company, and receive reimbursement according to your policy.

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 cataractCanine Medicine and Genetics10(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.
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