The best pet insurance company for Chihuahuas is AKC due to its strong customer satisfaction scores and comprehensive coverage options. Other top providers include Rainwalk, Pets Best and Lemonade.
Chihuahua Insurance
Updated: September 4, 2025
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Key Takeaways
AKC is the best pet insurance company for Chihuahuas, offering competitive coverage and strong customer service ratings.
Pets Best provides the cheapest pet insurance rates for Chihuahuas, with an average monthly rate of around $18 for standard protection.
Pet insurance for Chihuahuas costs an average of $65 per month, ranking them as the 197th most expensive dog breed to insure.
Best Chihuahua Pet Insurance Companies
| AKC | 4.60 | $31 | 3 | 1 |
| Rainwalk | 4.50 | $32 | 1 | 4 |
| Pets Best | 4.45 | $18 | 5 | 2 |
| Lemonade | 4.40 | $22 | 3 | 6 |
| Spot | 4.20 | $31 | 2 | 8 |
*Pet insurance coverage varies by state and provider. Rates shown are estimates; actual costs vary based on your pet's age, health and location. Coverage exclusions and waiting periods apply. Consult individual providers for specific terms.
AKC
Best for Chihuahuas
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$31Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Coverage for curable pre-existing conditions
Best Chihuahua Pet Insurance by State
AKC leads Chihuahua insurance coverage across all 50 states, making it the clear national front-runner. Monthly premiums range from $20 in Arkansas to $43 in Massachusetts, offering significant savings compared to state averages.
| Alabama | AKC | 4.60 |
| Alaska | AKC | 4.60 |
| Arizona | AKC | 4.60 |
| Arkansas | AKC | 4.65 |
| California | AKC | 4.60 |
| Colorado | AKC | 4.60 |
| Connecticut | AKC | 4.60 |
| Delaware | AKC | 4.60 |
| Florida | AKC | 4.65 |
| Georgia | AKC | 4.60 |
| Hawaii | AKC | 4.60 |
| Idaho | AKC | 4.60 |
| Illinois | AKC | 4.60 |
| Indiana | AKC | 4.65 |
| Iowa | AKC | 4.60 |
| Kansas | AKC | 4.60 |
| Kentucky | AKC | 4.65 |
| Louisiana | AKC | 4.60 |
| Maine | AKC | 4.60 |
| Maryland | AKC | 4.60 |
| Massachusetts | AKC | 4.60 |
| Michigan | AKC | 4.55 |
| Minnesota | AKC | 4.60 |
| Mississippi | AKC | 4.60 |
| Missouri | AKC | 4.60 |
| Montana | AKC | 4.60 |
| Nebraska | AKC | 4.60 |
| Nevada | AKC | 4.60 |
| New Hampshire | AKC | 4.60 |
| New Jersey | AKC | 4.60 |
| New Mexico | AKC | 4.65 |
| New York | AKC | 4.60 |
| North Carolina | AKC | 4.60 |
| North Dakota | AKC | 4.65 |
| Ohio | AKC | 4.60 |
| Oklahoma | AKC | 4.65 |
| Oregon | AKC | 4.60 |
| Pennsylvania | AKC | 4.60 |
| Rhode Island | AKC | 4.65 |
| South Carolina | AKC | 4.65 |
| South Dakota | AKC | 4.65 |
| Tennessee | AKC | 4.60 |
| Texas | AKC | 4.60 |
| Utah | AKC | 4.60 |
| Vermont | AKC | 4.60 |
| Virginia | AKC | 4.60 |
| Washington | AKC | 4.65 |
| West Virginia | AKC | 4.60 |
| Wisconsin | AKC | 4.60 |
| Wyoming | AKC | 4.65 |
*Rates are based on a 6-year-old Chihuahua with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Cheapest Chihuahua Pet Insurance Companies
Pets Best offers the lowest-cost pet insurance for Chihuahuas at $18 per month or $217 annually. Other affordable providers include Pumpkin, Lemonade, ASPCA and Figo.
| Pets Best | $18 | $217 | 67% |
| Pumpkin | $22 | $260 | 60% |
| Lemonade | $22 | $265 | 60% |
| ASPCA | $26 | $316 | 52% |
| Figo | $27 | $325 | 50% |
*Rates are based on a 6-year-old Chihuahua with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pets Best
Cheapest Pet Insurance for Chihuahua
MoneyGeek Rating
4.5/ 5
4.9/5Affordability
4/5Customer Experience
4/5Coverage Options
Average Monthly Rate
$18Overall Customer Sentiment
70% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Direct vet payment option
Cheapest Chihuahua Pet Insurance by State
Pets Best leads in affordable Chihuahua insurance, offering the lowest rates in 50 states. Monthly premiums range from $12 to $23, depending on location.
| Alabama | Pets Best | $13 | 69% |
| Alaska | Pets Best | $18 | 67% |
| Arizona | Pets Best | $22 | 66% |
| Arkansas | Pets Best | $12 | 69% |
| California | Pets Best | $23 | 65% |
| Colorado | Pets Best | $23 | 66% |
| Connecticut | Pets Best | $21 | 67% |
| Delaware | Pets Best | $18 | 67% |
| Florida | Pets Best | $21 | 67% |
| Georgia | Pets Best | $16 | 66% |
| Hawaii | Pets Best | $18 | 68% |
| Idaho | Pets Best | $18 | 67% |
| Illinois | Pets Best | $23 | 66% |
| Indiana | Pets Best | $16 | 66% |
| Iowa | Pets Best | $15 | 68% |
| Kansas | Pets Best | $17 | 67% |
| Kentucky | Pets Best | $14 | 69% |
| Louisiana | Pets Best | $15 | 68% |
| Maine | Pets Best | $22 | 67% |
| Maryland | Pets Best | $18 | 70% |
| Massachusetts | Pets Best | $23 | 66% |
| Michigan | Pets Best | $18 | 67% |
| Minnesota | Pets Best | $19 | 66% |
| Mississippi | Pets Best | $15 | 68% |
| Missouri | Pets Best | $14 | 68% |
| Montana | Pets Best | $15 | 67% |
| Nebraska | Pets Best | $16 | 67% |
| Nevada | Pets Best | $19 | 67% |
| New Hampshire | Pets Best | $21 | 66% |
| New Jersey | Pets Best | $21 | 66% |
| New Mexico | Pets Best | $16 | 68% |
| New York | Pets Best | $20 | 67% |
| North Carolina | Pets Best | $16 | 68% |
| North Dakota | Pets Best | $14 | 67% |
| Ohio | Pets Best | $17 | 68% |
| Oklahoma | Pets Best | $15 | 67% |
| Oregon | Pets Best | $23 | 66% |
| Pennsylvania | Pets Best | $19 | 67% |
| Rhode Island | Pets Best | $16 | 67% |
| South Carolina | Pets Best | $17 | 66% |
| South Dakota | Pets Best | $16 | 68% |
| Tennessee | Pets Best | $17 | 67% |
| Texas | Pets Best | $19 | 66% |
| Utah | Pets Best | $17 | 67% |
| Vermont | Pets Best | $17 | 67% |
| Virginia | Pets Best | $19 | 68% |
| Washington | Pets Best | $21 | 68% |
| West Virginia | Pets Best | $16 | 67% |
| Wisconsin | Pets Best | $20 | 68% |
| Wyoming | Pets Best | $17 | 67% |
*Rates are based on a 6-year-old Chihuahua with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
How Much Does Chihuahua Insurance Cost?
Monthly pet insurance for Chihuahuas ranges from $44 to $84 depending on your state. They rank as the 197th most expensive breed to insure nationwide. Your actual premium will vary based on coverage options and your pet's specific needs.
| Alabama | $49 | $586 | -24% |
| Alaska | $64 | $766 | -1% |
| Arizona | $77 | $926 | 19% |
| Arkansas | $44 | $526 | -32% |
| California | $80 | $961 | 24% |
| Colorado | $81 | $972 | 25% |
| Connecticut | $74 | $886 | 14% |
| Delaware | $66 | $786 | 1% |
| Florida | $74 | $884 | 14% |
| Georgia | $58 | $690 | -11% |
| Hawaii | $66 | $793 | 2% |
| Idaho | $65 | $774 | -0% |
| Illinois | $79 | $951 | 23% |
| Indiana | $58 | $701 | -10% |
| Iowa | $54 | $643 | -17% |
| Kansas | $59 | $706 | -9% |
| Kentucky | $52 | $621 | -20% |
| Louisiana | $52 | $628 | -19% |
| Maine | $78 | $935 | 21% |
| Maryland | $68 | $812 | 5% |
| Massachusetts | $84 | $1,006 | 30% |
| Michigan | $65 | $781 | 1% |
| Minnesota | $66 | $795 | 3% |
| Mississippi | $56 | $668 | -14% |
| Missouri | $51 | $615 | -21% |
| Montana | $55 | $658 | -15% |
| Nebraska | $58 | $696 | -10% |
| Nevada | $66 | $791 | 2% |
| New Hampshire | $74 | $890 | 15% |
| New Jersey | $72 | $867 | 12% |
| New Mexico | $57 | $684 | -12% |
| New York | $71 | $849 | 9% |
| North Carolina | $59 | $704 | -9% |
| North Dakota | $50 | $599 | -23% |
| Ohio | $60 | $723 | -7% |
| Oklahoma | $54 | $650 | -16% |
| Oregon | $81 | $964 | 24% |
| Pennsylvania | $68 | $816 | 5% |
| Rhode Island | $57 | $686 | -12% |
| South Carolina | $62 | $737 | -5% |
| South Dakota | $58 | $697 | -10% |
| Tennessee | $60 | $716 | -8% |
| Texas | $67 | $801 | 3% |
| Utah | $63 | $753 | -3% |
| Vermont | $60 | $722 | -7% |
| Virginia | $71 | $848 | 9% |
| Washington | $75 | $898 | 16% |
| West Virginia | $56 | $666 | -14% |
| Wisconsin | $70 | $838 | 8% |
| Wyoming | $59 | $713 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Chihuahua. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Chihuahua Insurance Costs?
Chihuahuas rank as the 197th most expensive dog breed for pet insurance costs, making them one of the pricier breeds to cover. Several health and behavioral factors drive these higher premiums, but there are ways to manage your costs while maintaining quality protection.
Health Predispositions
Potential Vet Costs: $1,500 to $12,000
Chihuahuas face several breed-specific health challenges that insurance providers consider high-risk conditions. Patellar luxation commonly requires surgical correction in this breed. They are also prone to heart valve disease, dental problems, and tracheal collapse. These hereditary conditions often require ongoing treatment and monitoring, which significantly impacts lifetime veterinary costs.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
As one of the smallest dog breeds, Chihuahuas require specialized veterinary care tailored to their tiny size. Their small stature means they need precise medication dosing and carefully controlled anesthesia during procedures. Their delicate bone structure also demands particular attention during surgery and recovery, often requiring specialized equipment and extended monitoring periods.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $800 (Young) to $1,000 to $3,500 (Senior)
Chihuahuas typically live 14 to 16 years, longer than many larger breeds. This extended lifespan means more years of potential health issues and veterinary care. Senior Chihuahuas often develop age-related conditions requiring regular medical attention, leading to increased costs for chronic disease management and preventive care.
Behavioral and Activity Risks
Potential Vet Costs: $800 to $4,500
Despite their small size, Chihuahuas are energetic and bold dogs that can be injury-prone. Their fearless nature and fragile build make them susceptible to accidents and trauma-related injuries. Their sometimes reactive temperament toward larger animals or unfamiliar people can also affect liability coverage options, though this usually impacts eligibility rather than premium costs.
Breeding-Related Issues
Potential Vet Costs: $2,000 to $8,000
Irresponsible breeding practices have increased genetic health problems in the Chihuahua population. This trend causes many insurers to carefully evaluate coverage terms for this breed. Selecting a puppy from health-tested parents with documented genetic screening can significantly reduce your risk of expensive hereditary conditions and insurance claim denials.
While Chihuahuas share some common health traits, your pet has unique medical needs. Base your insurance choice on your dog's health history and your budget. A conversation with your vet can help identify specific health risks that might affect your Chihuahua's coverage needs.
INSURANCE RISK PREVENTION
Protect your Chihuahua's health with regular dental cleanings and proper weight management through measured portions and daily walks. Choose breeders who screen for heart problems and patellar luxation. Schedule twice-yearly vet checkups to catch issues early, and maintain a calm environment to reduce anxiety-related health problems. Small breeds benefit from dental treats and puzzle toys that encourage proper chewing habits.
How to Get the Best Cheap Chihuahua Pet Insurance
Finding affordable Chihuahua insurance takes some research, but these simple steps make it easier.
- 1
Evaluate Your Coverage Needs
Consider your Chihuahua's age and potential health issues when choosing pet insurance coverage. Focus on plans that cover common breed issues like dental problems and knee injuries.
- 2
Compare Insurance Providers
Get quotes from at least three different pet insurance companies. Look at customer reviews and check if the provider has experience with small dog breeds.
- 3
Review Policy Details
Check waiting periods and pre-existing condition rules before signing up. Make sure you understand what's covered and what's not to avoid surprise costs later.
- 4
Get Multiple Online Quotes
Use online quote tools to compare prices quickly. Prices can vary by hundreds of dollars between companies for the same coverage.
- 5
Check Rates Yearly
Review your policy and get new quotes each year at renewal time. Your Chihuahua's needs may change, and better deals might be available.
Chihuahua Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Chihuahuas, while Pets Best offers the lowest monthly premiums. Compare both providers and other trusted options to find coverage that matches your pet's health needs and budget. The right policy ensures your Chihuahua gets quality care when health issues arise.
Pet Insurance for Chihuahua: FAQ
Below are our expert answers to frequently asked questions about Chihuahua insurance:
What is the best pet insurance provider for Chihuahuas overall?
AKC is the best insurance provider for Chihuahuas, offering comprehensive coverage and exceptional customer service. Despite higher-than-average premiums, their extensive benefits and strong coverage options make them a valuable choice for Chihuahua owners.
Who offers the cheapest pet insurance for Chihuahuas?
Pets Best provides the most affordable pet insurance for Chihuahuas, with monthly premiums starting at $18 for standard coverage. Keep in mind that actual rates may vary based on your location and pet's specific circumstances.
How much does Chihuahua insurance cost?
With a monthly premium of $65, Chihuahuas rank as the 197th most expensive breed to insure. Monthly rates vary significantly by location, ranging from $44 to $84 depending on your state.
What are the most common accident and illness risks for Chihuahuas?
Chihuahuas commonly face dental disease, patellar luxation (kneecap dislocation causing limping) and hydrocephalus (fluid buildup in the brain leading to neurological issues). These health conditions are primarily linked to the breed's tiny size and genetic predisposition as the world's smallest dog breed.
How We Found the Best and Cheapest Chihuahua Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Chihuahuas. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Chihuahuas.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Chihuahua
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs provided were based on aggregated pricing for the breed for all coverage selections and all ages insured on the market within reasonable life expectancy limits.
How We Rated Each Provider
We analyzed online sources for comprehensive ratings based on the following basic metrics:
- Affordability (50% of score): This score aggregates ratings based on the relative affordability compared to competition for all profiles and all factor combinations. We also factored in discounts as a minor component to the rating, as there's only slight variation between companies.
- Customer Experience (30% of score): We used ratings derived from a general sentiment rating aggregated from all internet sources, determining positive, neutral and negative sentiment proportions for each company to get this score. More positive sentiment means a higher rating.
- Coverage (20% of score): We read all contract details for every provider in every state, considering add-on options, inclusions, exclusions and restrictions to derive this score. Pet insurance regulations vary widely by state, and coverage options may differ based on your location.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.