Best Pet Insurance For Shih Tzus: Should You Get It?
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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 dog. But like all dogs, Shih Tzus are prone to getting sick or injured, leading to expensive vet bills. This blog post will compare the top pet insurance plans for Shih Tzu, tell you how much they cost, and provide 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. Let’s dive in!
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Best Shih Tzus 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 Shih Tzu 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 Shih Tzus pet insurance
$21 to $50
How Much Does Pet Insurance Cost For Shih Tzus?
The cost of insurance for a Shih Tzu 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 Shih Tzu is quoted at $55 per month, this rate is not fixed and could change.
According to our research, plans for Shih Tzus can range from $21 to $50. You may spend more or less depending on where you live, the deductible rate, and your chosen reimbursement percentage. Shih Tzu dog owners can expect to pay an average of $32 monthly premiums.
Pet Insurance Quotes For Shih Tzus
We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different life stages in Shih Tzu.
| Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
|---|---|---|---|---|---|---|---|---|
| Lemonade | $500 | 70% | $100,000 | $21.35 | SC, 29044 | Male | Shih Tzu | 6 years |
| Spot | $500 | 70% | Unlimited | $41.05 | SC, 29044 | Male | Shih Tzu | 6 years |
| Healthy Paws | $500 | 70% | Unlimited | $30.30 | SC, 29044 | Male | Shih Tzu | 6 years |
| Lemonade | $500 | 70% | $100,000 | $21.25 | CA, 95842 | Female | Shih Tzu | 2 year |
| Spot | $500 | 70% | Unlimited | $50.40 | CA, 95842 | Female | Shih Tzu | 2 year |
| Healthy Paws | $500 | 70% | Unlimited | $25.07 | CA, 95842 | Female | Shih Tzu | 2 year |
| Lemonade | $500 | 70% | $100,000 | $24.48 | TX, 75219 | Female | Shih Tzu | 6 months |
| Spot | $500 | 70% | Unlimited | $44.41 | TX, 75219 | Female | Shih Tzu | 6 months |
| Healthy Paws | $500 | 70% | Unlimited | $27.23 | TX, 75219 | Female | Shih Tzu | 6 months |
Shih Tzu puppy monthly cost: $32
Adult Shih Tzu monthly cost: $32
Senior Shih Tzu monthly cost: $31
Is Pet Insurance For Shih Tzu Worth it?
The decision to purchase pet insurance for your Shih Tzu hinges on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.
Consider a scenario where your Shih Tzu 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 Shih Tzu, like Arachnoid Cysts, can cost between $4,500 and $10,000 to diagnose and treat. Can you pay for an unexpected $10,000 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 Shih Tzu 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 Shih Tzu’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 Shih Tzu’s potential future health issues and risks, you can take preventive action today and ensure that your Shih Tzu 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]
1,470
Shih Tzu dog parents seek health advice every month.
Heart Failure
is the leading cause of death in older Shih Tzus.[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 Shih Tzu’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 Shih Tzu
Cost to treat cardiomyopathy
Cancer in dogs is the abnormal growth of cells in their body, often leading to tumors. It can affect any organ, showing varied symptoms, and requires veterinary diagnosis and treatment.
*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 entropion
Entropion in Shih Tzu is a condition where the eyelid rolls inward, causing eyelashes to rub against the cornea. This results in discomfort, tearing, and potential corneal damage. It’s often inherited, though can also arise from eyelid injuries or muscular spasms. Treatment typically involves surgical correction.
*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 cataracts
Cataracts in Shih Tzus result in the lens of the eye becoming opaque, significantly impairing vision. Often hereditary, they can also arise from aging, diabetes, or eye injuries. Initially, cataracts may cause slight visual disturbances but can progress to blindness. Surgical removal is the primary treatment to improve sight.
*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 Shih Tzus 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 arachnoid cysts
Arachnoid cysts in Shih Tzus manifest as sac-like formations filled with cerebrospinal fluid, typically found near the brain or spinal cord. Their origin is often congenital, but they can also develop post-trauma. These cysts might lead to neurological symptoms such as seizures, coordination issues, or limb paralysis, yet some remain unnoticed and are only found during unrelated examinations.
*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 distichiasis and ectopic cilia
Distichiasis and ectopic cilia in Shih Tzus involve abnormal eyelash growth, with hairs emerging from unusual locations on the eyelid. This can cause discomfort, eye irritation, and potential damage to the cornea. Often hereditary, these conditions can lead to chronic eye problems if not treated promptly.
*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 fold dermatitis
In Shih Tzus, fold dermatitis occurs due to their distinctive facial structure, which creates skin folds where moisture and friction promote bacterial and yeast growth. This results in inflammation, infection, and irritation in these folds. Effective prevention includes consistent cleaning and vigilance to maintain skin health in these areas.
*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 pigmentary keratitis
Pigmentary keratitis in Shih Tzus involves the abnormal deposit of pigment on the cornea, often due to chronic eye irritation or inflammation. Causes include eyelid abnormalities, tear film issues, or environmental factors. This condition can impair vision and, if left untreated, may lead to blindness. Regular eye examinations are essential for early detection and 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 urinary stones
In Shih Tzus, urinary stones form due to minerals crystallizing in the urinary system, influenced by diet, low water consumption, or genetics. Symptoms include difficulty urinating, discomfort, and frequent infections. Managing this issue involves dietary adjustments and ensuring adequate hydration to help prevent and treat the condition.
*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 Shih Tzus?
Benefits For Shih Tzus
Benefits For Owners
How to Pick The Best Shih Tzus Pet Insurance
Best Pet Insurance For Shih Tzus
1. Best Overall Shih Tzu Pet Insurance
Lemonade
Who It’s For: Excellent for Shih Tzus 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 Shih Tzus 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 Shih Tzu at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $25 and $21 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 Shih Tzu Pet Insurance
Spot
Who It’s For: Spot Pet Insurance is ideal for Shih Tzus 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 Shih Tzu 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 Shih Tzu at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $50 and $41, but prices may vary depending on your location, Shih Tzu’s age, and other factors. Spot covers you when your Shih Tzu gets hurt unexpectedly, from tooth extractions and torn ligaments to surgery and hospitalizations.
3. Best No-Cap Payout Shih Tzu 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 Shih Tzus.
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 Shih Tzu at a $500 deductible with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $30 and $25. 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 Shih Tzus
There are two main types of pet insurance plans.
What Does Pet Insurance Not Cover?
When choosing pet insurance for your Shih Tzu, 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 Shih Tzu is adequately covered by the plan you select and help prevent surprises in the future.
Pet Insurance For Shih Tzus Puppies
Should you get pet insurance for your Shih Tzu puppy? Here are the top reasons you should consider Shih Tzu puppy insurance.
Average Cost of Shih Tzus 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 Shih Tzus 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 Shih Tzus 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 Pet Insurance Work?
Imagine your Shih Tzu’s pet insurance policy has the following terms:
Now, let’s say your Shih Tzu incurs a veterinary bill of $8,000 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 $560 for this claim, the remaining yearly payout limit is $20,000 – $5,425 = $14,575.
Frequently Asked Question
Shih Tzus Pet Insurance — Conclusion
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 understanding your finances is critical to determining if pet insurance is the best choice. The cost of a treatment dog is 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.
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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.
- Winter Park Veterinary Hospital (n.d.) Your Shih Tzu.
- 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.
