Best Pet Insurance For Shih Tzus: Top Plans, Cost, Quotes & More

Shih Tzu Pet Insurance

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

Are you a Shih Tzu lover? If so, you know that these little dogs make great companions. They’re friendly, playful, and loyal – perfect for anyone looking for a furry friend. But like all dogs, Shih Tzus are prone to getting sick or injured, which can lead to expensive vet bills.

This blog post will compare the top pet insurance plans for Shih Tzus, tell you how much they cost, and present you breed-specific accident and health insights to help you determine if you should insure your Shih Tzu.

We’ll also give you tips on finding the best quotes and coverage for your pet. So read on to learn more about the best pet insurance for your Shih Tzu!

The Best Pet Insurance Companies For Shih Tzus

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

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 Shih Tzu.

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

  1. Healthy Paws: Best overall pet insurance for your Shih Tzu.
  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 Shih Tzu 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 Shih Tzus?

Shih Tzu’s dog insurance prices will be based on your pet’s pre-existing health conditions, gender, age, location, and other factors.

Increasing vet costs as a result of advances in technology and an increasing number of claims in your area can increase your monthly payment. For instance, if your Shih Tzu is quoted at $40 per month today, that price is subject to change.

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


Check out this Pet Insurance cost comparison table for Shih Tzus.

Pet Insurance Quotes For Shih Tzus

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50080%Unlimited$42.45Los Angeles
(zip code: 90018)
MaleShih Tzu5 years
Embrace$50080%$30,000$43.89Los Angeles
(zip code: 90018)
MaleShih Tzu5 years
Pets Best$50080%Unlimited$40.24Los Angeles
(zip code: 90018)
MaleShih Tzu5 years
Healthy Paws$50090%Unlimited$29.11Dallas
(zip code: 75087)
FemaleShih Tzu1 year
Embrace$50090%$30,000$37.54Dallas
(zip code: 75087)
FemaleShih Tzu1 year
Pets Best$50090%Unlimited$18.30Dallas
(zip code: 75087)
FemaleShih Tzu1 year
Healthy Paws$50070%Unlimited$20.86Boston
(zip code: 02119)
FemaleShih Tzu3 months
Embrace$50070%$30,000$46.17Boston
(zip code: 02119)
FemaleShih Tzu3 months
Pets Best$50070%Unlimited$15.97Boston
(zip code: 02119)
FemaleShih Tzu3 months

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

If you get Pet Insurance for your Shih Tzu, you can expect to pay between $16 to $46 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 Shih Tzus Worth it?

In an emergency or if your pet were to develop health issues your vet bill can ruin you financially. If you buy Shih Tzu insurance, your policy can cover 70% to 90% of the vet bill. If you don’t think that’s enough reason to get a policy keep reading.

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

1. Avoid Deciding Between Your Wallet & Your Shih Tzu

USA Today 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 Shih Tzu without worrying about financial difficulties.

On average, the most common dog treatments cost $252.75, while a more severe and common condition in Shih Tzus, like Patellar Luxation, can cost between $1,500 – $3,000 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 Shih Tzus numbers?

Well, according to the latest survey, there are roughly 90 million dogs in the U.S.3 So, unfortunately, 33% (1 in 3) of the Shih Tzus population may end up needing 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 Shih Tzus

The following table shows the most common health conditions Shih Tzus 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
EntropionHigh$300 - $1,500
Patellar LuxationHigh$1,500 - $3,000
Arachnoid CystsHigh$4,500 - $10,000
Distichiasis and Ectopic CiliaHigh$1,500 - $2,000
Fold DermatitisHigh$300 - $2,500
Pigmentary KeratitisMedium$1,300 - $1,600
CataractMedium$2,700 - $,4000
CancerLow$8000-$15000
Urinary StonesMedium$800-$1200 (The additional expenses for sedation or anaesthesia between $500-$1000)

Other Reasons To Get Dog Insurance For Your Shih Tzu

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


Best Pet Insurance For Shih Tzus

Here are Canine Bible’s top picks for the best pet insurance for Shih Tzus.

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 Shih Tzu.

Best Overall: Healthy Paws

Why is Healthy Paws a good choice for your Shih Tzu?

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 Shih Tzu at a $500 deductible, with 70%, 80% or 90% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $21 and $42.

With Healthy Paws, you can start protecting your Shih Tzu 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 Shih Tzu 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.

Based on our research, if you sign up with Embrace, you can expect to pay between $37 and $46, but prices may vary depending on your location, Shih Tzu’s age, and other factors.

From tooth extractions to torn ligaments, Embrace has you covered when your Shih Tzu gets hurt unexpectedly. They can also cover Arachnoid Cysts treatment, which Shih Tzus 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 Shih Tzu’s 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 Shih Tzu, but that’s also affordable.

We ran a few quotes for a healthy Shih Tzu 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 $40, 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 Shih Tzu 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 Shih Tzus Vet Bills (Healthy Vet Visit vs Emergencies)

When it comes to veterinary bills, two things come to mind: regular vet visits and emergency veterinarian visits.

If you do not have pet insurance and/or a wellness plan, this table will give you a good idea of how much you are likely to pay.

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 Shih Tzus Puppy

Should you get pet insurance for your Shih Tzu puppy? Here are the top reasons you should consider Shih Tzu 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. Shih Tzus 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.11 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 Shih Tzu 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 Shih Tzu 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?

Pet insurance doesn’t cover it all!

When buying Pet Insurance for your Shih Tzu, you’ll need to carefully review the different plans to see what 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 Shih Tzu 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 Shih Tzu?

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

  1. Compare the coverage under each plan with your Shih Tzu’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 Shih Tzus 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 Shih Tzu’s age, health, gender, and needs.
  6. The earlier you sign your Shih Tzu 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 Shih Tzu Pet Insurance?

It’s vital to be proactive about the health of your dog. Understanding the costs of a potential accident and health treatment is the first step, but also understanding your finances it’s key to determining if pet insurance is the best choice.

The cost of a treatment dog has outlined in our table above, and we hope that it never occurs to your pet, but you need to be prepared for that eventuality. We advocate for pet insurance and highly recommend it.

We hope that our guide helps you make a correct decision about taking pet insurance, and remember, your pet is part of your family and needs to be protected.


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

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