Best Pet Insurance Plans for Shiba Inus (2023 Review)

by | 2/1/2023

Shiba Inu pet insurance is a unique way to take care of your Shiba Inu from the moment you bring it home and all through its life. For many readers who are unfamiliar with this dog breed, the Shiba Inu is a small-to-medium dog that originated in Japan. This agile and very alert dog was originally bred as a hunting dog – a job they do very well due to their great handling and comfort on hiking trails and mountainous terrain.

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


About the Shiba Inu

They have a temperament that’s charming, confident, faithful, and fearless. The Shiba Inu has a life expectancy of 12 to 15 years and comes in a variety of colors, including black, red sesame, cream, black and tan, red, and sesame. Males stand 14” to 17” and weigh 18 to 24 pounds, while females weigh 15 to 20 pounds and stand 13” to 16” tall.

Shiba Inu Health Conditions

All breeds of dogs have the potential to develop or inherit health issues. Although the Shibu Inus is a relatively healthy dog breed, they are also prone to a few different health conditions.

  • Hip dysplasia
  • Allergies
  • Periodontal disease
  • Eye problems like glaucoma, progressive retinal atrophy, patellar luxation, and cataracts
  • Hypothyroidism
  • Seizures
  • Bacterial and viral infections

Regardless of the type of health issues your Shiba Inu may develop, you’ll want the security of knowing so you can take of your four-legged friend. In many cases, pet insurance can provide you with security. Despite their somewhat charming yet fearless personality, Shiba Inu dogs can also be stubborn and difficult to train. These health and behavioral conditions should be considered when choosing a pet insurance policy for your Shiba Inu.

What is the Best Pet Insurance for a Shiba Inu?

Choosing a Shiba Inu pet insurance company can be difficult because they are so many excellent pet insurance companies out there. Although it appears like they’re all offering you the same thing, their policies may be quite different. When choosing a pet insurance company, pay attention to the following:

  • Deductibles – This is the amount you must pay on the vet bill before your Shiba Inu pet insurance will pay. Deductibles are generally $50, $100, $200, $500, or $1,000.
  • Reimbursement rate – The insurance company will reimburse you for this amount. Common reimbursement amounts are 70 percent, 80 percent, 90 percent, and 100 percent.
  • Maximum payout amount – This is the highest amount the insurance company will pay either annually or over a lifetime.
  • Premium – The amount you will have to pay monthly to keep the pet insurance in force

When purchasing pet insurance, it’s very common for pet owners to quickly choose the company that seems to be the cheapest or most affordable. In many of these cases, the cheapest insurance is not necessarily the best insurance if it doesn’t cover the health issues that will affect your Shiba Inu the most.

Shiba Inu dogs tend to be so stubborn, they’re almost untrainable to many. You might want a health insurance policy that covers behavior therapy. Depending on the company, this may not be covered under a basic accident/illness policy but may be covered under a wellness or preventative plan. Wellness plans cannot be purchased as a policy but are purchased as an add-on to the basic health policy.

Shiba Inu dogs are prone to developing hip dysplasia and eye conditions, so you may want to check companies that offer good coverage for these conditions because treatment can be very expensive.

Where is the Most Affordable Pet Insurance for a Shiba Inu?

Finding the most affordable Shiba Inu pet insurance involves research so you’ll get not only the most affordable policy but the most affordable policy of those that meet your dog’s needs. Location can play a big part in the cost of the premiums with some companies. Here are some examples of a few different pet insurance policies from known companies and in different cities.

Spot Shiba Inu Insurance

This example is with SPOT and covers the four-year-old female Shiba Inu living in Seattle. The premium of $42.89 is for a policy with a $500 deductible, a reimbursement rate of 80 percent, and an unlimited annual benefit. This comprehensive policy covers accidents, illnesses, congenital and hereditary conditions, and behavior treatment, among many other things.

It does offer a wellness plan, but which might not be needed with the many things covered under the basic accident/illness plans. The same basic plan would cost $78.34 in New York City; $49.99 in Dallas; $75.42 in Los Angeles; and $43.89 in Atlanta.

Embrace Shiba Inu Insurance

Embrace offers an accident and illness plan that covers most services and includes breed-specific and hereditary conditions. It also covers behavior therapy. You would not have to purchase a wellness plan for these issues. However, you do have the choice to purchase a wellness plan to pay for exams and important vaccinations.

The first example is an Embrace accident and illness plan on a four-year-old female Shiba Inu living in Seattle. This policy has a $500 deductible, a reimbursement rate of 80 percent, and an annual reimbursement rate of $10,000. The cost of this policy is $37.40 per month. This same policy would cost $63.11 in New York City; $39.05 in Dallas; $33.55 in Los Angeles; and $30.32 in Atlanta.

Figo Shiba Inu Insurance

Figo offers a comprehensive accident/illness plan that covers almost anything that might affect your Shiba Inu, including hereditary conditions, behavioral therapy, alternative treatments, and more. This example is for a four-year-old female Shiba Inu living in Seattle.

The policy offers a $500 deductible, 80 percent reimbursement rate, and a $10,000 annual benefit. The monthly premium is $34.87. This same policy is $43.29 in New York City; $20.48 in Dallas; $37.08 in Los Angeles; and $25.84 in Atlanta. While Figo doesn’t offer a wellness plan some other companies, they are confident that their policy will take care of the services most often used with Shiba’s.

Pets Best Shiba Inu Insurance

This example is Pets Best, a company that offers unique policies you can customize for your dog. A four-year-old Shiba Inu living in Seattle would cost $16.87 per month for their BestBenefit Elite plan, which offers a $500 deductible, reimbursement rate of 80 percent, and an unlimited annual benefit.

This policy also covers congenital and hereditary conditions. They also offer wellness plans for $16/$26 per month. Pets Best policies didn’t show much variance from city to city, or their data was inconclusive.

Nationwide Shiba Inu Insurance

Nationwide is a pet insurance company that offers a full insurance plan that covers accidents, illnesses, and various other things that you may need for your Shiba Inu. It covers accidents, illnesses, chronic conditions, prescriptions, and certain hereditary conditions. Nationwide actually offers three levels of coverage: their Major Medical with Wellness; Major Medical, and a Whole Pet, which is the most comprehensive of the three.

This example of a Nationwide policy is also for a four-year-old female Shiba Inu dog living in Seattle. The policy, which offers a $250 deductible, 90 percent reimbursement rate, and an annual benefit of $10,000. The premium for the Whole Pet is $74.59 per month. The same policy would be $82.40 in New York City; $63.34 in Dallas; $56.96 in Los Angeles; and $62.10 in Atlanta.

Choosing a pet insurance company probably just got a lot more difficult after seeing the differences and many options available to you. Premiums are based on breed, age, gender, and even geographical location.

In all the examples, the cheapest Shiba Inu pet insurance was in Atlanta, and New York City had the most expensive premiums. Pets Best appeared to have the lowest premium for their accident/illness plans, while Nationwide and Embrace seemed to offer the most options.

Things to Consider

When choosing a Shiba Inu insurance plan, it’s important to choose not only a policy that’s affordable but also one that covers the most basic health issues. Regardless of how cheap your policy may be, it’ll be a waste of money if it doesn’t offer coverage when it’s needed. Always read the fine print on any policy and ask questions.

It’s pretty important to put pet insurance on your Shiba Inu when it’s a young pup so it’s always covered. Most pet insurance has an age limit. It’s generally from eight weeks to ten or 12 years old. Shiba Inu dogs have a fairly long lifespan. If you wait until the dog is reaching its senior years, when it’ll need insurance the most, you might be denied because of its age, or run the risk of not having your claims approved due to preexisting conditions.

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.