Best Pet Insurance For Yorkshire Terriers [2024 Review]

yorkshire terrier pet insurance

Canine Bible is reader-supported. We receive affiliate commissions via some of our links. This doesn’t affect rankings. Learn more.

This content was reviewed and fact-checked by veterinarian Meri Halvari, DVM Candidate.

This guide is the most comprehensive resource for finding the best pet insurance for Yorkshire Terriers. Many Yorkie owners ponder the value of pet insurance, influenced by stories of those who have faced the heartbreaking decision to euthanize their pets due to unaffordable vet bills. But is pet insurance truly a vital safeguard for your furry friend in times of emergency? This blog post aims to explore both perspectives, assisting you in determining whether pet insurance is a suitable choice for you and your Yorkie. We will also guide you in selecting the right pet insurance for Yorkies and provide insights into potential accidents and veterinary expenses you might face as a Yorkie owner. This information will help you assess the necessity of coverage. Let’s delve into the details.

Why you should trust us: Our writers, editors, and in-house veterinarians spend hours analyzing and reviewing products and services to help find what’s best for you. Read the product review methodology and editorial mission to find out how we test, analyze, and rate.

Best Yorkshire Terrier Pet Insurance — At A Glance

What Is Yorkshire Terrier 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 Yorkshire Terrier pet insurance

$26 to $50

How Much Does Pet Insurance Cost For Yorkshire Terriers?

The cost of pet insurance for a Yorkie 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 Yorkie is quoted at $55 per month, this rate is not fixed and could change.

According to our research, plans for Yorkshire Terriers can range from $26 to $50. You may spend more or less depending on where you live, the deductible rate and the reimbursement percentage you choose. Yorkshire Terrier owners can expect to pay an average $34 monthly premium.

Pet Insurance Quotes For Yorkshire Terriers

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

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Lemonade$50070%$100,000$28.14SC, 29044MaleYorkshire Terrier6 years
Spot$50070%Unlimited$41.05SC, 29044MaleYorkshire Terrier6 years
Healthy Paws$50070%Unlimited$32.97SC, 29044MaleYorkshire Terrier6 years
Lemonade$50070%$100,000$26.15CA, 95842FemaleYorkshire Terrier2 year
Spot$50070%Unlimited$50.40CA, 95842FemaleYorkshire Terrier2 year
Healthy Paws$50070%Unlimited$26.94CA, 95842FemaleYorkshire Terrier2 year
Lemonade$50070%$100,000$31.00TX, 75219FemaleYorkshire Terrier6 months
Spot$50070%Unlimited$44.41TX, 75219FemaleYorkshire Terrier6 months
Healthy Paws$50070%Unlimited$29.25TX, 75219FemaleYorkshire Terrier6 months

Yorkie puppy monthly cost: $35

Adult Yorkie monthly cost: $34

Senior Yorkie monthly cost: $34

Is Pet Insurance For Yorkie Worth it?

The decision to purchase pet insurance for your Yorkie hinges on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.

Consider a scenario where your Yorkie 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 Yorkies, like Portosystemic Shunts, can cost between $2,000 and $6,000 to diagnose and treat. Can you pay for an unexpected $6,000 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 Yorkie 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 Yorkshire Terrier’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 Yorkie’s potential future health issues and risks, you can take preventive action today and ensure that your Yorkie 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]

 29.6%

Yorkies are susceptible to early periodontitis.[4]

1.7%

of all Yorkies are at risk of Degenerative Myelopathy.[5]

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 increase costs throughout your Yorkshire Terrier’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 Yorkshire Terriers

Cost to treat entropion

Entropion in Yorkshire Terriers is 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 but can arise from eyelid injuries or muscular spasms. Treatment typically involves surgical correction.

  • Cost: $1,000
  • Pet insurance pays back up to: $900*
  • Risk profile: High

*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 progressive retinal atrophy

Progressive Retinal Atrophy in dogs is a genetic disorder leading to the gradual deterioration of the retina, resulting in vision loss and potentially blindness. Early signs include night blindness and dilated pupils. There’s no cure, but affected dogs often adapt well to their limited vision in a safe, consistent environment.

  • Cost: $1,000
  • Pet insurance pays back up to: $900*
  • Risk profile: Medium

*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 Yorkshire Terriers 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.

  • Cost: $2,500
  • Pet insurance pays back up to: $2,250*
  • Risk profile: High

*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 portosystemic shunts

Portosystemic shunts in dogs involve abnormal blood vessel connections allowing blood to bypass the liver, leading to unfiltered blood reaching systemic circulation. This condition can cause toxins to accumulate, affecting neurological and digestive health. It’s often congenital, resulting from genetic predispositions in this breed.

  • Cost: $4,000
  • Pet insurance pays back up to: $3,600*
  • Risk profile: High

*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 Legg-Calve-Perthes Disease

Legg-Calvé-Perthes Disease in Yorkshire Terriers is characterized by the deterioration of the femoral head in the hip joint. This occurs due to inadequate blood supply, leading to bone necrosis. Common in young, small breeds, it causes limping, joint stiffness, and pain, significantly impacting mobility and quality of life.

  • Cost: $2,000
  • Pet insurance pays back up to: $1,800*
  • Risk profile: Medium

*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 mitral valve disease

Yorkshire Terriers often suffer from mitral valve disease, where the heart’s mitral valve deteriorates. This leads to blood flow issues and potential heart failure. Aging and genetic factors predominantly cause this condition, affecting the dog’s overall cardiac health and stamina.

  • Cost: $1,500
  • Pet insurance pays back up to: $1,350*
  • Risk profile: Medium

*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 diabetes

Yorkshire Terriers are prone to diabetes, characterized by the body’s inability to regulate blood sugar levels. This chronic condition is often linked to genetic predispositions and obesity, requiring lifelong insulin therapy and diet management to prevent serious health complications.

  • Cost: $150 per month
  • Pet insurance pays back up to: $135 per month*
  • Risk profile: High

*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 pancreatitis

Inflammation of the pancreas, or pancreatitis, is common in this breed. Factors such as a high-fat diet, obesity, or certain medications can induce this painful condition, leading to digestive problems and, in severe cases, systemic illness.

  • Cost: $800
  • Pet insurance pays back up to: $720*
  • Risk profile: High

*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 obesity

Obesity is a significant concern in Yorkies, primarily caused by overfeeding and lack of exercise. This excess weight puts strain on the dog’s body, leading to joint problems, diabetes, and reduced lifespan. Proper diet and regular exercise are crucial for prevention.

  • Cost: $850
  • Pet insurance pays back up to: $765*
  • Risk profile: Medium

*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 hydrocephalus

Commonly known as “water on the brain,” this condition is characterized by an abnormal accumulation of cerebrospinal fluid in the brain’s ventricles, leading to increased pressure. In Yorkies, it can be congenital or acquired. Symptoms include a domed skull, lethargy, and uncoordinated movement. Treatment may involve surgery or medication.

  • Cost: $8,000
  • Pet insurance pays back up to: $7,200*
  • Risk profile: Medium

*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 tracheal collapse

Tracheal Collapse in Yorkshire Terriers is characterized by a weakened trachea, leading to a characteristic honking cough and difficulty in breathing. Factors such as obesity or environmental stressors often aggravate this condition, necessitating careful management.

  • Cost: $5,000
  • Pet insurance pays back up to: $4,500*
  • Risk profile: Medium

*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 hypoglycemia

Hypoglycemia, or low blood sugar, in Yorkies, often stems from their small body size, which can’t store much glucose. Skipping meals, overactivity, or illness can trigger this. Symptoms include lethargy and shaking, and it’s critical to provide a quick sugar source for recovery.

  • Cost: $8,000
  • Pet insurance pays back up to: $7,200*
  • Risk profile: High

*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 dental disease

Poor dental hygiene in Yorkshire Terriers leads to plaque build-up, gingivitis, and periodontitis. This results in tooth loss, bad breath, and can affect overall health.

  • Cost: $3,000
  • Pet insurance pays back up to: $2,700*
  • Risk profile: Low

*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 Yorkshire Terrier?

Benefits For Yorkies

  • Access to better care and health outcomes due to financial barriers removed
  • Cover hereditary conditions and get better breed-specific care
  • Prompt access to medical treatments
  • Ongoing access to healthcare and emergency care
  • Preventive care options
  • Facilitates treatment from specialists

Benefits For Owners

  • Decreases the likelihood of economic euthanasia when the cost is a limiting factor for treatment
  • Reduces unexpected veterinary costs
  • Financial peace of mind
  • Cover third-party liabilities
  • Avoid veterinary rising cost
  • Can help you find your missing/stolen pet

How to Pick The Best Yorkshire Terrier Pet Insurance

Pick a type of pet InsuranceWhile the most popular type of pet insurance includes accident and illness coverage, an accident-only policy might be your only choice if your pet is ineligible for it or is beyond your budget. Additionally, if you’re interested in lowering the costs of routine preventative care, seek an insurance provider that also offers wellness coverage.
Check whether your pet is eligibleMost insurance companies mandate that pets be at least 6 to 10 weeks old for eligibility. Conversely, enrolling older pets for the first time may lead to limitations, with some companies offering only accident coverage. Nonetheless, once enrolled, most plans cover your pet for life, provided you continue to pay the premiums.
Pre-existing conditionsMost pet insurance policies do not cover pre-existing conditions unless deemed curable. Some insurers may provide coverage if the pet’s condition is curable and has not required treatment for a specified period, like the past 12 months.
Review cost versus benefitsGet quotes from multiple insurers for your Yorkie to compare monthly premiums. Consider the value of each plan by weighing the cost against the benefits provided.
Breed-specific needs and coverageConsider your Yorkie’s age, current health status, and any potential hereditary conditions common in the breed, and pick your plan accordingly.
Compare insurance providersGet quotes from multiple insurers for your Yorkie to compare monthly premiums. Research and list reputable pet insurance providers that offer plans for Yorkies.
Check the fine print and exclusion policyRead the terms and conditions to understand the policy’s limitations and exclusions. Some insurers may also refuse to cover common conditions associated with certain breeds. 
Check waiting periodsTypically, pet insurance coverage kicks in after 14 days of signing up. Any treatments your pet receives won’t be covered during this waiting period. However, some plans impose longer waiting periods for certain conditions.
Choose a deductible and reimbursement levelModifying your deductible and reimbursement levels allows you to raise or lower your monthly premium. Opting for a higher deductible can reduce your premium but might lead to higher costs during vet visits. The ideal balance depends on whether you prefer paying more over time and less during a claim or vice versa.
Sign up as early as possibleThe earlier you sign your pet insurance, the lower the monthly premiums because younger pets are typically healthier and less likely to require extensive veterinary care, which translates to lower risk for the insurance company. Also, some pet insurance plans lock in the premium rate based on the pet’s age at enrollment.
Look for additional perks and discountsSome pet insurers offer multi-pet discounts, loyalty benefits, discounts for microchipped pets, alternative therapy coverage and travel insurance.

Best Pet Insurance For Yorkshire Terriers

1. Best Overall Yorkshire Terrier Pet Insurance

4.8

Lemonade

Who It’s For: Excellent for Yorkie 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, $10,000, $20,000, $50,000 or $100,000

Why we picked and recommended it: We named Lemonade our best overall pet insurance for Yorkshire Terriers 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 Yorkshire Terrier at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $26 and $31 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 Yorkshire Terrier Pet Insurance

4.9

Spot Insurance

Who It’s For: Spot Pet Insurance is ideal for Yorkshire Terrier 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 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 Yorkie 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 Yorkie at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $41 and $50, but prices may vary depending on your location, Yorkie’s age, and other factors. Spot covers you when your Yorkie gets hurt unexpectedly, from tooth extractions and torn ligaments to surgery and hospitalizations.

3. Best No-Cap Payout Yorkshire Terrier Pet Insurance

4.9

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 Yorkshire Terriers.

  • Deductible: $100, $250 or $500
  • Reimbursement rates: 70%, 80% or 90%
  • Annual payout limit: Unlimited

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 Yorkshire Terrier at a $500 deductible with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $27 and $33. 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 Yorkshire Terrier

There are two main types of pet insurance plans.

It covers accident-related medical care such as ingestion of foreign objects, poisoning, or if your Yorkshire Terrier 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, emergencies, 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, signing your pet up for coverage as early as possible is crucial.

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 (aka preventative care) during enrollment. This commonly covers routine vet expenses but 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, ticket and worm treatments, rabies, microchipping, de-working, teeth cleaning, routine tests, annual exams, spay and neuter and urine analysis.

What Does Pet Insurance Not Cover?

When choosing pet insurance for your Yorkshire Terrier, 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 Yorkshire Terrier 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 or dietary or nutritional supplements
  • Cosmetic procedures
  • Boarding and transportation

Pet Insurance For Yorkshire Terrier Puppies

Should you get pet insurance for your Yorkie puppy? Here are the top reasons you should consider Yorkies puppy insurance.

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 pet insurance companies, which usually means lower premiums.

Because Yorkies are predisposed to certain health issues, it’s wise to insure your Yorkshire Terrier puppy before any symptoms or diagnoses occur. Most pet insurance providers don’t cover pre-existing conditions. However, if your insured puppy develops a condition later, like cancer, allergies, or diabetes, your policy will likely cover its treatment and ongoing expenses.

Yorkshire Terrier puppies are curious and often get into mischief, increasing their risk of accidents and infections from bacteria or viruses.

Raising a puppy comes with various expenses, including vet bills. On average, 81% of pet parents spend up to $500 on veterinary visits during their puppy’s first year. Additionally, the ASPCA notes that the upfront costs of first-year pet ownership can exceed $1,000, including expenses for toys, food, and medical care.

Average Cost of Yorkshire Terrier 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 ProcedureAverage 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 ProcedureAverage 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 therapy500

Sources: 5 & 6

Factors That Impact the Cost of Your Yorkshire Terrier 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 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 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 Yorkshire Terriers Pet Insurance Work?

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

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

Now, let’s say your Yorkshire Terrier incurs a veterinary bill of $2,000 for medical treatment.

  • Paying the deductible: The first step is to pay your deductible, which, in this case, is $200.
  • Applying co-insurance: After the deductible, there’s $1,800 left ($2,000 – $200). The co-insurance of 10% applies to this amount. This means you are responsible for 10% of $1,800, which equals $180.
  • Insurance pays the rest: The insurance will cover 90% of the post-deductible amount. So, the insurance pays 90% of $1,800, which is $1,620.
  • Total out-of-pocket cost: Adding up your deductible and co-insurance payments gives you your total out-of-pocket cost: $200 (deductible) + $180 (co-insurance) = $380.

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 $1,620 for this claim, the remaining yearly payout limit is $10,000 – $1,620 = $8,380.

Frequently Asked Question

Pet insurance for a Yorkie puppy starts at $35 on average.

To save money on pet insurance for your Yorkshire Terrier, 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 lead to up to 10% savings on each pet’s insurance over their lifetime. However, it’s important to note that some companies only apply these discounts to additional pets, not the first one, so 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.

Yorkies are prone to certain breed-specific health issues like entropion and patellar luxation, which pet insurance can cover more effectively and take out the financial burden of covering all the costs yourself.

Older Yorkshire Terriers can get insurance, 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 get reimbursed as per your policy.

Yorkshire Terriers Pet Insurance — Conclusion

If you’re still uncertain whether getting pet insurance for your Yorkshire Terrier is right, consider these points. First, consider how much you could save on vet bills with insurance coverage. Second, compare the cost of monthly premiums against your potential out-of-pocket expenses should something happen to your dog. Finally, consider the peace of mind you would gain knowing that your beloved pup is protected, no matter what happens.

If, after weighing all of these factors, you decide that pet insurance is the best choice for you and your Yorkie, we encourage you to proceed! And don’t forget to carefully read the fine print for any exclusions, waiting periods, reimbursement details, and everything else we’ve discussed above.


Like It? Subscribe & Share!

* indicates required

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. Wallis, C., Pesci, I., Colyer, A., Milella, L., Southerden, P., Holcombe, L. J., & Desforges, N. (2019). A longitudinal assessment of periodontal disease in Yorkshire terriersBMC Veterinary Research15(1).
  5. Peterson, L. (2024, January 11). Genetic Health Testing for Yorkshire Terriers. Embarkvet.
  6. DeProspero, D. J., O’Donnell, K. A., DeFrancesco, T. C., Keene, B. W., Tou, S. P., Adin, D. B., Atkins, C. E., & Meurs, K. M. (2021). Myxomatous mitral valve disease in Miniature Schnauzers and Yorkshire Terriers: 134 cases (2007–2016). Journal of the American Veterinary Medical Association, 259(12).
  7. Average Cost Of Emergency Vet Visits | Find Out What You Will Pay. (2020, March 19). Emergency Vets USA.
  8. Cost of Owning a Dog: From Initial Cost to Annual Essentials. (n.d.). The Dog People.
Editorial Team at Canine Bible

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.

Similar Posts