Best Pet Insurance For Yorkies (2023)

by | 2/1/2023

The Yorkshire Terrier, commonly referred to as a Yorkie, first originated in Yorkshire, England, where it was bred for hunting rats in mines and mills. But, once the breed became recognized by England’s Kennel Club in 1886, Yorkies rose from rags to riches, quickly becoming popular lap dogs among Victorian England’s elite.

The Yorkie remains a fairly sought-after breed, ranked as the 13th most popular breed to own in 2021 by the American Kennel Club. Yorkie owners, however, need to be financially prepared to cover potential veterinary expenses related to hereditary conditions common amongst this toy breed. 

Investing in the best pet insurance for Yorkies can easily save you thousands of dollars should your pup ever endure an emergency injury or illness. To help you find the right fit, we’ve highlighted a few leading providers.

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 Yorkshire Terrier Pet Insurance





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Our Score





$100 to $1,000

$100 to $500

$200 to $1,000

Average Monthly Cost for Yorkies

$30 to $40


$40 to $50

Multi-pet Discount




Wellness Add-on




BBB Rating




Why Is Pet Insurance For Yorkies Important?

One of the most desirable traits of the Yorkie is its small size — weighing an average of four to six pounds. But Yorkies weren’t always so miniature. The original version of this breed weighed around 30 pounds but has been shrunken down over the years through selective breeding to achieve its markedly tiny size. 

With all that being said, human interference with the Yorkshire Terrier’s genetics has left it susceptible to several critical and costly breed-specific health issues that can easily cost upwards of $1,500 to address per round of treatment. 

For such a small dog, underlying conditions that could affect Yorkies can significantly impact their more feeble immune systems, ravaging their bodies at a much faster rate than in large breeds. 

Yorkie owners should be particularly aware of the following genetic health complications:

  • Patent ductus arteriosus (PDA)
  • Mitral valve disease
  • Luxating patellas
  • Legg-Calve-Perthes disease
  • IVDD
  • Periodontal disease
  • Bladder and kidney stones
  • Diabetes mellitus
  • Hypoglycemia
  • Von Willebrand’s disease
  • Liver shunts
  • Hemorrhagic gastroenteritis
  • Tracheal collapse

Pet insurance can help prevent pet debt by covering up to 90% of your Yorkie’s emergency vet bills as well as some preventative care costs per year, depending on your provider.

Below are a few estimates of what Yorkie owners should expect to pay in full should their pooch need emergency care for some of the health conditions mentioned above:


Estimated Expense

Periodontal disease

$2,000 to $3,000 for medical imaging, treatment, and necessary extractions


$500 for outpatient treatment; $2,000 to $3,000 for diagnostics, hospitalization, and intensive care

Collapsed trachea

$3,000 to $6,000 for total tracheal reconstruction

Legg-Perthes disease

$1,000 to $3,000 for surgery

Patellar luxation

$1,500 to $3,000 per affected kneecap


$200-$500 per month for insulin, special diets, and blood glucose monitoring; $200-$700 for follow-up testing

How Much Does Pet Insurance For Yorkies Cost?

On average, pet insurance for Yorkies costs between $30 and $40. Still, the amount you’ll pay for your Yorkie will ultimately depend on your dog’s age at initial enrollment as well as where you’re located in the United States.

Older dogs are more expensive to insure due to age-induced health problems that make them more susceptible to illness or injury and, therefore, a higher risk for insurance carriers. Pets under the age of 1 also tend to be more expensive to insure. 

In terms of location, most pet insurance companies will base your monthly premium on the cost of vet care relative to your location. Generally, customers residing in more densely populated areas with higher living costs will incur pricier premiums than those living in more dispersed, rural locations. 

Here’s how the price for the same accident and illness pet insurance plan varies nationwide:


Estimated Cost







New York


Best Pet Insurance for Yorkies

We’ve curated the top five pet insurance providers for Yorkies based on their coverage for congenital conditions at cost-effective monthly rates. Still, we always suggest that you generate a free quote with any prospective provider that piques your interest.

Spot for Yorkies 

Yorkie owners that sign up with Spot will be able to build their coverage around either an accident-only or accident and illness base plan. Spot offers a number of bonus standard inclusions for all policyholders at no additional cost — including coverage for behavioral therapy training, microchipping, exam fees, and alternative therapies. 

Spot’s most comprehensive policy starts at just $10 per month and covers a wide range of illnesses, injuries, congenital conditions, and chronic conditions like cancer, diabetes, allergies, etc. 

For maximum coverage, a Yorkie owner can add one of Spot’s two preventative care riders to their policy — Gold for an extra $9.95 per month or Platinum for $24.95 per month. 

Pros and Cons


  • Option for unlimited annual coverage benefits
  • New enrollees will receive a $25 Amazon gift card*
  • No upper age limits 

*Offer only available in California, Florida, Idaho, Maine, Montana, New Jersey, New York, and Washington.


  • Higher monthly rates than leading competitors
  • No coverage for prescription pet food

To learn more about Spot’s pet health insurance options, read our full Spot pet insurance review

Lemonade for Yorkies

With accident and illness coverage consolidated into its mobile app, Lemonade is a great pet insurance option for Yorkie owners on the go. Lemonade’s base plan starts at just $10 per month and will cover your Yorkie for a wide range of emergency medical situations, from broken bones to targeted cancer treatments. 

Lemonade also offers three different wellness plans — two tiers for adult dogs and one for those with a Yorkshire Terrier puppy. These preventative care add-ons range from $15 to $40 per month. The company will reimburse you for annual diagnostic tests, vaccinations, parasite prevention, and access to an exclusive 24/7 medical advice chat line. Coverage for vet visit fees and physical therapy can be added with stand-alone riders for an additional $1 to $3 per month.

Pros and Cons


  • Has a two-day waiting period for accident claims
  • Offers up to $100,000 per year in payout benefits
  • Boasts an estimated 90-second claims submission experience


  • Yorkies over the age of 14 aren’t eligible to enroll in Lemonade coverage
  • Doesn’t cover dental illness, microchipping (unless add-on is purchased), or behavioral therapy

Continue reading about comprehensive coverage through this provider in our Lemonade pet insurance review

ASPCA for Yorkies 

Advocating for the protection of animals since 1866, ASPCA has more than earned its expertise in understanding exactly what pets require to lead long and healthy lives. Now offering pet healthcare coverage through its own pet insurance policy, and underwritten by Crum & Forster, Yorkie owners who sign-up with ASPCA will have access to affordable accident and illness protection with elective wellness plans at their disposal as well. 

We recommend ASPCA’s most comprehensive base plan, Complete Coverage, for Yorkies, as it covers everything from minor emergency injuries to complex treatment for an array of chronic and hereditary conditions. 

It also has routine care coverage for an additional $9.95 or $24.95 per month, depending on whether you select the Basic or Prime package. Both will cover you for annual checkups, vaccinations, heartworm tests, parasite prevention, annual diagnostics, etc. 

Pros and Cons


  • Covers an exhaustive list of genetic conditions in dogs and cats
  • Includes exam fees, microchipping, behavioral therapy, and alternative therapy in standard coverage at no extra cost
  • Offers a 10% multi-pet discount for customers who enroll more than one pet


  • Has a history of taking up to 30 days to process claims
  • Maximum annual coverage option is capped at only $10,000

Head over to our complete ASPCA pet insurance review for further information.

Embrace for Yorkies 

Embrace offers made-to-order accident and illness policies for Yorkies that are 14 years old and under and accident-only coverage for senior dogs that exceed that age limit. This provider aims to encourage responsible pet ownership by rewarding a pet parent with a $50 reduction in their annual deductible for each year that they keep their Embrace policy without actually having to use it.

Another unique feature of Embrace’s coverage is its non-insurance Wellness Rewards. Instead of instating per-item limits and an annual benefits maximum like competing providers, Embrace lets its customers choose how they wish to spend their preventative care coverage. 

Policyholders can choose from three annual wellness allowances of $250, $450, and $650 and will be covered for 100% of routine care expenses within that stipend. We recommend that Yorkie owners allocate a good portion of their Wellness Rewards for preventative dental care. 

Pros and Cons


  • Distinguishes between curable and incurable pre-existing conditions
  • Offers a free medical history review for new enrollees
  • 30-day money-back guarantee (as long as you haven’t yet filed a claim)


  • Annual accident-only coverage is capped at only $5,000
  • Six-month waiting period for orthopedic conditions like hip dysplasia

Visit our more detailed Embrace pet insurance review for further information on this provider. 

Healthy Paws for Yorkies

If you’re easily overwhelmed by all of the different base plan variations, coverage customizations, and extra add-ons available with each provider, Healthy Paws might be a better option for you. 

This company is dedicated to creating a straightforward pet insurance experience for its pet owners by only offering one accident and illness policy with unlimited annual coverage for all customers. The only drawback to Healthy Paws is that it doesn’t offer any preventative care options, only dedicating its coverage toward the unexpected rather than predictable veterinary expenses.

Healthy Paws also has a few restrictions for older Yorkies, capping enrollment eligibility at 14 years old. Pets enrolled at or after the age of 6 aren’t eligible for hip dysplasia coverage. Additionally, pets between the ages of 6 and 7 only have access to an annual reimbursement rate of 70%. Animals over 8 will only be reimbursed for 50% of approved claims. 

Pros and Cons


  • Typically processes claims within two days
  • Operates alongside its non-profit organization, which has donated over $1.6 million to 300+ animal shelters and rescues nationwide
  • Has an easy-to-use mobile app for convenient claims submissions


  • No preventative care options or supplementary add-ons
  • Has significantly narrower coverage options for older pets

Check out our Healthy Paws pet insurance review for complete details on this carrier. 

Is Pet Insurance For Yorkies Worth it?

Like other toy breeds, the Yorkshire Terrier is incredibly fragile. With frail bones and delicate internal organs, even so much as a fall from too high up or roughing with bigger dogs could lead to severe trauma for this breed. As a purebred, Yorkies are also at a higher risk for congenital conditions than mixed dog breeds. 

All that’s to say, Yorkies might be small, but they can easily incur rather sizable vet bills, especially in emergencies. For the average pet owner who doesn’t have a couple of grand in their back pocket for something they didn’t even see coming, dog insurance can quite literally save your pet’s life by covering its medical coverage regardless of how expensive. 

Final Thoughts

For those who don’t yet own a Yorkie but are doing preliminary research before bringing one home, even investing in the best pet insurance for your dog won’t be as lucrative if you adopt a chronically ill puppy from an unethical breeder. 

Taking a prevention-first approach applies just as much to the adoption process as it does to your dog’s future healthcare. If you’re dead set on buying as opposed to rescuing, only consider breeders certified by a reputable kennel club and the OFA. Always steer clear of pet stores and online puppy ads, as puppies sold this way are usually commercially bred by backyard breeders or puppy mills. 

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.