Best Pet Insurance For Chihuahuas (2023)

by | 2/1/2023

First discovered in Chihuahua, Mexico, in the early 19th century, the Chihuahua has since become the poster pup for toy dog breeds. 

But just because the Chihuahua is small doesn’t mean the costs of caring for one are of equal size. Despite their lionhearted personalities, Chihuahuas are susceptible to several hereditary health issues that can easily creep into the thousands of dollars to treat. 

Enrolling in the right pet insurance policy for your pint-sized pal can help Chihuahua owners save up to 90% on emergency veterinary bills. 

To start you off on the right paw, we’ve evaluated the best pet insurance for Chihuahuas by addressing the following questions:

  • Why is pet insurance for Chihuahuas so important?
  • How much does pet insurance for Chihuahuas cost?
  • What are our top provider recommendations for Chihuahua pet insurance?
  • Is pet insurance for Chihuahuas worth it?

Continue reading to learn more about the following pet insurance providers so that you can choose the best one for your needs:

 

Our Top 3 Picks for Chihuahua Pet Insurance

Spot

Lemonade 

Embrace

Quote

Visit Site

Visit Site

Visit Site

Our Score

4.9/5

4.8/5

4.7/5

Deductible

$100 to $1,000

$100 to $500

$200 to $1,000

Average Monthly Cost for Chihuahuas

$20 to $30

$22

$30 to $40

Multi-pet Discount

10%

5%

10%

Wellness Add-on

Yes

Yes

Yes

BBB Rating

A

F

A+

Why Is Pet Insurance For Chihuahuas Important?

Because of their small size, Chihuahuas have fragile bone structures that are prone to fractures, breaks, spinal trauma, and patellar luxation (dislocated kneecaps). They can sustain critical orthopedic injuries just by jumping out of their owners’ arms from too high up. 

Moreover, though Chihuahuas naturally have apple-shaped heads, an excessively domed skull and wide-set eyes might indicate a neurological issue common in small dog breeds called hydrocephalus. This condition describes a build-up of fluid in the brain, creating painful pressure and a progressive loss of motor functions. Chihuahuas are also predisposed to epilepsy and tremors.

In terms of general health maintenance, a Chihuahua owner needs to stay on top of their dog’s dental hygiene. Dental and gum disease are highly likely to affect your Chihuahua because of its higher ratio of teeth to jaw, resulting in overcrowding. Most pet insurance plans offer wellness riders that cover routine dental care, which can help keep your Chi’s teeth in check for a fraction of the price. 

Other congenital conditions that could land your Chihuahua in the emergency room include tracheal collapse, low blood sugar, and cardiac issues like mitral valve disease. 

We’ve enlisted the help of Emily Shiver, 365 Pet Insurance’s veterinary advisor, to provide accurate estimates of what uninsured Chihuahua owners can expect to pay out of pocket should their dogs ever become ill or injured: 

Injury/Illness

Estimated Expense

Bone breaks

$200 to $2,000+ (depends on severity)

Luxating patellas

$1,500 to $3,000 per knee

Heart disease

$300 to $600 per echocardiogram; $100 to $150 per month for prescription medications

Epilepsy

$300 to $1,000 to treat a seizure episode; $300 to $10,000 for further diagnostic testing

Tracheal collapse

$3,000 to $6,000 for tracheal reconstructive surgery

Dental and gum disease

$50 to $300 for cleaning and scaling

Hydrocephalus

$5,000 to $10,000 for diagnostics and surgery; $100+ per month for prescription pain management

Obesity

$500 to $700 per year for prescription pet food

How Much Does Pet Insurance For Chihuahuas Cost?

The average cost of pet health insurance for Chihuahuas ranges between $25 and $40 per month. Remember that the amount you’ll pay per month for Chihuahua insurance is contingent on more than just your choice of provider and coverage customizations.

When generating your personalized monthly premium, all pet insurance companies will factor in your pet’s age and geographic location. Some providers may even require a preliminary medical history exam to determine your dog’s enrollment eligibility. 

Purebred and older Chihuahuas are generally more expensive to insure because they have higher incidents of health conditions which presents an increased level of risk for any pet insurance provider.

A Chihuahua located in an urban area with a higher cost of living will also likely incur a pricier premium than those in more rural regions of the U.S., where vet costs are lower.

Here’s how an accident/illness policy for a Chihuahua varies in price nationwide:

State

Estimated Cost

California

$28.28

Florida

$27.15

Indiana

$29.25

New York

$36.26

*These estimates are based on standard accident and illness pet insurance coverage with a $4,000 annual limit, an 80% reimbursement rate, and an annual deductible of $250 for a 2-year-old alias Chihuahua living in the capital city of each featured state. Prices are subject to change. 

Best Pet Insurance for Chihuahuas

The following five providers are reputable pet insurance carriers that we’ve selected based on their comprehensive, customizable, and cost-effective coverage for Chihuahuas. Still, we highly recommend that you generate a free quote with any prospective provider to get a personalized look at your coverage benefits. 

Spot for Chihuahuas 

Spot offers two base plans for pet parents: one designed solely for unexpected injuries like broken bones and another for accidents, illnesses, hereditary health issues, and chronic conditions. 

Chihuahuas are known to suffer from separation anxiety which sometimes triggers dogs to run away — and this breed, in particular, is small enough to squeeze through tight spaces. Fortunately, with any Spot policy, you’ll be covered for behavioral therapy to stop a bad habit in its tracks and microchip implantation, just in case. You’ll also be covered for exam fees and alternative therapies. 

To maximize your coverage, you can add one of Spot’s two wellness riders to your policy, which will partially reimburse the costs of dental cleanings, annual checkups, routine vaccines, spay/neuter, parasite prevention, etc. The Gold Plan costs $9.95 per month and has a total annual benefit of $250, whereas the Platinum Plan costs $24.95 per month and offers a total annual benefit of $450.

Pros and Cons

Pros

  • Has an option for unlimited annual coverage benefits
  • Doesn’t have any upper age limits 
  • Offers a 10% multi-pet discount

Cons

  • Doesn’t cover prescription pet food
  • Has a longer than average 14-day waiting period for accident coverage

To learn more about Spot’s pet insurance coverage, check out our full Spot pet insurance review.

Lemonade for Chihuahuas

Enrolling your Chihuahua in a comprehensive dog insurance policy has never been easier than it is with Lemonade. With only one accident and illness plan for all of its customers, a pet parent who chooses Lemonade can customize their already exhaustive coverage to fit their budget better. It shouldn’t take much tweaking to find a premium that works for you because Lemonade policies start as low as $10 per month. 

Once your Lemonade policy is active, you’ll be covered for most emergency veterinary services — from diagnostics to procedures to medications — so long as they are related to covered injuries and illnesses. 

The only bone we have to pick with Lemonade is that it doesn’t cover dental illnesses. Because Chihuahuas are genetically predisposed to dental diseases like periodontitis, you’ll want to ensure you can cover emergency dental treatments on your own before you sign up with this provider. Items like routine dental cleaning, polishing, dental X-rays, and anesthesia for preventative reasons are included in Lemonade’s Preventative+ and Puppy/Kitten wellness plans.  

Pros and Cons

Pros

  • Offers up to $100,000 per year in payout benefits for covered emergency expenses
  • Two-day waiting period for accident coverage
  • Has a user-friendly mobile app for convenient claims submissions and customer service

Cons

  • Caps enrollment eligibility for a Chihuahua after its 14th birthday
  • Only available in 36 select states and Washington, D.C.

Visit our in-depth Lemonade pet insurance review for further details on this provider.

ASPCA for Chihuahuas 

Underwritten by Crum & Forster, the same insurance agency that produces Spot’s insurance, ASPCA and Spot share the same monthly rates, optional preventative care costs, and plan variations. Unlike Spot, however, ASPCA has three deductible choices and a maximum annual coverage limit of $10,000 for its accident-only and accident and illness plans.

We love ASPCA’s pet insurance because it doesn’t have any special waiting period for orthopedic conditions. While many leading providers instate lengthy waiting periods between six to 12 months for orthopedic issues like hip dysplasia and cruciate ligament injuries, ASPCA’s pet insurance covers all approved accidents, illnesses, and complex conditions in just 14 days. 

Because Chihuahuas are prone to musculoskeletal injuries, accident and illness coverage through ASPCA is a great option for this breed because it guarantees that you won’t have to wait months before you’re covered for orthopedic emergencies.  

Pros and Cons

Pros 

  • Offers a 10% multi-pet discount
  • Has a shorter list of exclusions than its competitors
  • Includes vet visit fees, microchipping, and alternative therapies in standard coverage

Cons

  • Has a transaction fee if you choose to pay monthly rather than annually
  • Maximum annual coverage option is only $10,000

Continue reading about ASPCA in our ASPCA pet insurance review

Embrace for Chihuahuas 

If you decide to insure your Chihuahua through Embrace, you’ll have the freedom to choose between accident-only and accident and illness coverage, so long as your dog is under the age of 14. Any pet beyond that age limit is only eligible for accident-only coverage through Embrace.

With any Embrace policy, you’ll have the opportunity to have your annual deductible reduced by $50 every year you go without needing to file a claim for your Chihuahua. 

For Chihuahuas, we recommend Embrace’s most comprehensive base plan, which will cover your pup for emergency exam fees, diagnostics, hospitalizations, surgery, alternative therapies, and more. Embrace won’t, however, reimburse expenses related to pre-existing conditions, boarding or kenneling, elective cosmetic procedures, and organ transplants, among several other exclusions. 

Pros and Cons

Pros

  • Offers an Embrace-exclusive vanishing deductible
  • Wellness Reward program provides non-insurance preventative care coverage 
  • Offers a multi-pet discount of 5%

Cons

  • Has a six-month waiting period for orthopedic conditions
  • Accident-only plan caps annual benefits at $5,000 per year

Read on about Embrace and its benefits in our Embrace pet insurance review

Healthy Paws for Chihuahuas

Healthy Paws is an excellent option for Chihuahuas between the ages of 1 and 5 that have already completed most of their first-year medical milestones and now just need a policy for unforeseen vet costs. Healthy Paws doesn’t offer any form of wellness coverage, so you’ll be on your own to meet your Chi’s routine care needs if you enroll with this provider. 

With Healthy Paws, you’ll have automatic access to its principal accident and illness policy, which features unlimited annual coverage benefits and an estimated two-day turnaround time for filed claims. 

Dogs over the age of 14 aren’t eligible for coverage through Healthy Paws. This provider also has narrower coverage options for older pets, so we probably wouldn’t recommend Healthy Paws for Chihuahuas over 8 years old. Adult chihuahuas have an average lifespan of 15 to 20 years, so if you’re looking to insure an older dog, it’ll be worth your while to seek out a more senior-friendly policy. 

Pros and Cons

Pros

  • No per-incident, annual, or lifetime maximums
  • Includes unlimited annual payout benefits for all Healthy Paws policyholders
  • Has donated over $1.6 million to 300+ nonprofit animal welfare organizations

Cons

  • No multi-pet discounts
  • Doesn’t offer preventative care coverage or optional add-ons

For more information about Healthy Paws and its policy framework, head over to the full version of our Healthy Paws pet insurance review.  

Is Pet Insurance For Chihuahuas Worth it?

Common chihuahua health issues like orthopedic injuries, obesity, epilepsy, and dental disease aren’t quick fixes. Most of these health problems will require long-term maintenance to ensure they don’t worsen into secondary conditions.

Pet insurance can help cover your Chihuahua for up to 90% of its routine and emergency medical expenses while leaving you with the peace of mind that your pup will always have access to the veterinary care it might need. 

Final Thoughts 

Believe it or not, Chihuahuas are the second most euthanized breed in America, with Pit Bulls taking the number one spot. Because of their small size, Chihuahuas became a popular choice of “purse dogs,” perpetuated by pop culture. Yet, far too often, pet owners purchase this breed unprepared to finance their healthcare needs and ultimately choose to dump them in shelters when vet bills begin to add up. 

If you don’t yet own a Chihuahua, consider scoping out your local shelter or online rescue networks for a tiny pooch still waiting for its forever home. 

As much as we encourage you to adopt instead of shop, if you’re more interested in purchasing a purebred Chihuahua puppy, you must source a reputable, ethical breeder to guarantee you don’t get a pup with health issues galore. 

Run, don’t walk, away from anyone who advertises their Chihuahuas with the word “teacup.” As tragic as it is, some unethical breeders will inbreed runts to produce whole litters of smaller-than-average puppies.

A reputable breeder should have OFA and CERT certifications to prove their parent dogs have been screened for common hereditary conditions before breeding. Use this checklist to vet any prospective Chihuahua breeder to ensure you’re not buying a chronically ill Chihuahua. 

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.