Best Pet Insurance For Yorkshire Terriers [2023 Review]
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This is the most comprehensive guide to finding the best pet insurance for Yorkshire Terriers.
Many Yorkie owners wonder if pet insurance is worth it. They may have heard horror stories about people who have had to euthanize their pets because they could not afford the expensive vet bills. But is pet insurance as bad as all that? Or is it an excellent way to protect your furry friend in an emergency? This blog post will look at both sides of the argument and help you decide if pet insurance is right for you and your Yorkie.
We also help you pick the right pet insurance for Yorkies and provide insights into accidents and veterinary expenses you may incur as a Yorkie owner to help you understand if you need coverage. Let’s take a look.
- Top Picks Insurance
- What Is Pet Insurance?
- How Much Will I Pay?
- Is Yorkshire Terrier Insurance Worth It?
- Best Yorkshire Terriers Pet Insurance Reviews
- Average Cost of Healthy Vet Visits & Emergencies
- Pet Insurance For Yorkshire Terriers Puppy
- Pet Insurance Types
- What Is Not Covered
- How to Pick Pet Insurance
- Should I Get Yorkshire Terrier Pet Insurance
The Best Pet Insurance For Yorkshire Terriers
Here are Canine Bible’s top picks for the best pet insurance for Yorkshire Terriers
You can click this link to go to the reviews, but we encourage you to keep reading to make a more educated decision about getting pet insurance for your Yorkshire Terrier.
What Is Pet Yorkshire Terrier Insurance?
Getting pet insurance for your Yorkie 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 them peace of mind and protecting their savings.
How Much Does Pet Insurance Cost For Yorkshire Terriers?
Yorkshire Terrier’s dog insurance prices will be based on your pet’s pre-existing health conditions, gender, age, location, and other factors.
Keep in mind rising vet costs due to technological advances and an increasing number of claims in your location, which can increase your monthly payment. For instance, if your Yorkshire Terrier is quoted at $45 per month today, that price is subject to change.
We compared quotes for plans for Yorkshire Terriers 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 Yorkshire Terriers at different stages in their life.
Check out our Pet Insurance Comparison table for Yorkshire Terriers below.
Pet Insurance Quotes For Yorkshire Terriers
Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
---|---|---|---|---|---|---|---|---|
Healthy Paws | $500 | 70% | Unlimited | $41.28 | California (zip Code: 90011) | Male | Yorkshire Terrier | 5 years |
Lemonade | $500 | 70% | $100,000 | $29.33 | California (zip Code: 90011) | Male | Yorkshire Terrier | 5 years |
Spot Pet Insurance | $500 | 70% | Unlimited | $73.30 | California (zip Code: 90011) | Male | Yorkshire Terrier | 5 years |
Healthy Paws | $500 | 80% | Unlimited | $24.12 | Iowa (zip code:50613) | Female | Yorkshire Terrier | 1 year |
Lemonade | $500 | 80% | $100,000 | $20.62 | Iowa (zip code:50613) | Female | Yorkshire Terrier | 1 year |
Spot Pet Insurance | $500 | 80% | Unlimited | $39.89 | Iowa (zip code:50613) | Female | Yorkshire Terrier | 1 year |
Healthy Paws | $500 | 70% | Unlimited | $21.02 | New Jersey (Zip Code: 07303) | Female | Yorkshire Terrier | 3 months |
Lemonade | $500 | 70% | $100,000 | $20.86 | New Jersey (Zip Code: 07303) | Female | Yorkshire Terrier | 3 months |
Spot Pet Insurance | $500 | 70% | Unlimited | $47.37 | New Jersey (Zip Code: 07303) | Female | Yorkshire Terrier | 3 months |
How Much Can You Expect to Pay For Yorkshire Terrier Canine Insurance?
If you get Pet Insurance for your Yorkshire Terrier, you can expect to pay between $20 to $73 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 December 2022
Is Pet insurance For Yorkshire Terriers Worth it?
The Yorkshire Terrier is a popular pet breed with a high price tag for vet bills. With the right pet insurance in place, you can breathe easy knowing your furry friend is covered in an emergency. Yorkie insurance is a good idea if you want to protect your dog and your finances in case of an accident. The insurer will reimburse you 70% to 90% of the vet bill (depending on your plan).
Here are three main reasons you should consider getting pet insurance for your Yorkie.
1. Avoid Deciding Between Your Wallet And Your Yorkshire Terrier
USA Today reports that many dog owners have made the terrible decision to euthanize their pups because they didn’t have the money to pay for surgery or treatment.[1] Pet insurance allows you to seek medical care for your sick or injured Yorkshire Terrier without worrying about hurting your finances.
On average, the most common dog treatments cost $252.75, while a more severe and common condition in Yorkshire Terrier, like Portosystemic Shunts, can cost between $2,000 – $6,000 to diagnose and treat.[2]
2. Pet Insurance For Yorkshire Terrier 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 Yorkshire Terrier numbers?
A recent survey found that roughly 90 million dogs live in the United States.[3] So, unfortunately, 33% (1 in 3) of Yorkshire Terriers may need emergency care this year. 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] Sadly, only 61 percent of Americans cannot cover a $1,000 emergency.[5]
A good pet insurance plan will cover most 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 Yorkshire Terriers
The following table shows the most common health conditions Yorkshire Terriers are likely to develop.
We also include the level of risk (susceptibility to each health condition) and how much you are expected to pay.
Condition | Risk | Cost to Diagnose and Treat |
---|---|---|
Entropion | High | $300-$1500 |
Patellar Luxation | High | $1500-$3000 |
Portosystemic Shunts | High | $2000-$6000 |
Legg-Calve-Perthes Disease | High | $1000-$3000 |
Hydrocephalus | Medium | $5000-$10000 |
Hypoglycemia | Medium | Surgery or medication $100-$8000 |
Progressive Retinal Atrophy | High | Various |
Collapsed Trachea | Low | Diagnostics or medication $30-$2000 Surgery $2000-$5000 (Addional) |
Pancreatitis | Medium | $500-$2500 |
Dental Disease | Medium | $300-$700 |
Obesity | Medium | 850 |
Diabetes | Low | $30-$150 per month |
Data Source: Embrace, Walwalking & PetMD.
Other Reasons To Get Dog Insurance For Your
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 Yorkshire Terrier can spare you financial trouble. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Yorkshire Terrier’s life.
Best Pet Insurance For Yorkshire Terriers
Here are Canine Bible’s top picks for the best pet insurance for Yorkshire Terriers.
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 Yorkshire Terrier.
Best Overall — Healthy Paws
We named Healthy Paws our best overall pet insurance for your Yorkshire Terrier for its comprehensive coverage, pricing, availability, and customer service. 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 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 $21 and $41.
With Healthy Paws, you can start protecting your Yorkshire Terrier at eight 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
Cons
Best Value — Lemonade Pet Insurance
Lemonade offers excellent pet insurance coverage for your Yorkshire Terrier at the most affordable price. While your monthly premium cost will vary by location, pet’s age, gender, and other factors, Lemonade premiums usually start at just $10 a month, the lowest in the industry.
To estimate your monthly premium, we ran a few quotes for a healthy Yorkshire Terrier at a $500 deductible and 70%, 80%, and 90% coverage. Based on our research, you can expect to pay between $20 and $29.
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 costs.
Pros
Cons
Most Customizable Plans — Spot Insurance
Spot Pet Insurance is ideal for Yorkshire Terrier dog owners who want a variety of ways to customize their policy. Spot 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 Yorkshire Terrier gets sick, you pay less upfront before your plan starts paying. With so many customization options, this company it’s 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.
If you sign up with Spot Pet Insurance, based on our research, you can expect to pay between $39 and $73, but prices may vary depending on your location, Yorkshire Terrier’s age, and other factors.
Spot covers you when your Yorkshire Terrier gets hurt unexpectedly from tooth extractions to torn ligaments. They can also cover Portosystemic Shunts treatment, which Yorkshire Terriers are prone to, as long as they were diagnosed after coverage.
Pros
Cons
Great For Pre-Existing Conditions
If your Yorkshire Terrier 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 symptoms and are treatment-free.
Yorkshire Terrier Average Vet Bill Cost (Healthy Vet Visits vs Emergencies)
Are you wondering how much you would have to pay out of pocket for regular vet visits and emergencies? Here is a breakdown of the average price for both.
If you don’t have insurance, you will likely pay similar amounts for either visit.
Healthy Vet Visits
Emergency Vet Visits
Pet Insurance For Yorkshire Terriers Puppy
Should you get pet insurance for your Yorkshire Terrier puppy?
Here are the top reasons you should consider Yorkshire Terrier puppy insurance.
Types of Pet Insurance Coverage
What does pet insurance cover? It depends on your plan. There are two main types of pet insurance plans.
You can sign up for 1 or 2 (or both), but this will mostly depend on your Yorkshire Terrier’s needs and finances. Most pet insurance companies nowadays offer a single plan that includes accidents 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.
The Most Common Items Covered Per Type of Pet Insurance
Accident Coverage | Illness Coverage | Wellness Coverage |
---|---|---|
Broken bones | Obesity | Flea, tick and worm treatments |
Torn ligaments | UTIs | Rabies |
Bite wounds | Cancer | Microchip |
Poisoning | Hypothyroidism | De-worming |
Injuries | Digestive Issues | teeth cleaning |
Emergencies | IVDD | Routine testing |
Eye Injuries | Vomiting and diarrhea | Annual exams |
Snake Bite | Arthritis | Spay and neuter |
Toxin food ingestion | Parasites | Urinalysis (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 Yorkshire Terrier, you’ll need to carefully review the different plans to see what isn’t covered.
Most pet insurance policies exclude the following:
This exclusion will vary depending on your pet insurance company and plan.
Tip: Please always read your policy. Request the complete list of exclusions before getting pet insurance. This will ensure your Yorkshire Terrier is fully covered by the plan you pick and help you avoid surprises down the road.
How Do I Pick The Right Dog Insurance For My Yorkshire Terrier?
Here are eight tips to help you choose the best pet insurance policy for your Yorkshire Terrier.
Pet Insurance For Yorkies — Conclusion
If you are still unsure if getting Yorkshire Terrier pet insurance is the right decision, consider these points.
First, consider how much money you could save on vet bills by having insurance. Second, weigh the cost of the monthly premiums against your potential out-of-pocket costs should something happen to your dog. Finally, ask yourself how much peace of mind you would get from knowing that your beloved pup was protected no matter what happened.
If, after considering all of this, you decide that getting pet insurance is the best for you and your Yorkie, we encourage you to do so! And don’t forget to always read the fine print for any exclusion, waiting periods, reimbursement details, and everything we discussed above.
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