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: June 16, 2026
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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 costs an average of $65 per month for Chihuahuas, ranking them as the 197th most expensive dog breed to insure.
Best Chihuahua Pet Insurance Companies
*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.
Learn more about the best pet insurance options for your Chihuahua across different situations:
AKC
Best for Chihuahuas
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.4/5Customer Experience
5/5Coverage Points
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 offers the lowest Chihuahua insurance rates across all 50 states, with monthly premiums ranging from $20 in Arkansas to $43 in Massachusetts.
| Alabama | AKC | 4.6 |
| Alaska | AKC | 4.6 |
| Arizona | AKC | 4.6 |
| Arkansas | AKC | 4.65 |
| California | AKC | 4.6 |
| Colorado | AKC | 4.6 |
| Connecticut | AKC | 4.6 |
| Delaware | AKC | 4.6 |
| Florida | AKC | 4.65 |
| Georgia | AKC | 4.6 |
| Hawaii | AKC | 4.6 |
| Idaho | AKC | 4.6 |
| Illinois | AKC | 4.6 |
| Indiana | AKC | 4.65 |
| Iowa | AKC | 4.6 |
| Kansas | AKC | 4.6 |
| Kentucky | AKC | 4.65 |
| Louisiana | AKC | 4.6 |
| Maine | AKC | 4.6 |
| Maryland | AKC | 4.6 |
| Massachusetts | AKC | 4.6 |
| Michigan | AKC | 4.55 |
| Minnesota | AKC | 4.6 |
| Mississippi | AKC | 4.6 |
| Missouri | AKC | 4.6 |
| Montana | AKC | 4.6 |
| Nebraska | AKC | 4.6 |
| Nevada | AKC | 4.6 |
| New Hampshire | AKC | 4.6 |
| New Jersey | AKC | 4.6 |
| New Mexico | AKC | 4.65 |
| New York | AKC | 4.6 |
| North Carolina | AKC | 4.6 |
| North Dakota | AKC | 4.65 |
| Ohio | AKC | 4.6 |
| Oklahoma | AKC | 4.65 |
| Oregon | AKC | 4.6 |
| Pennsylvania | AKC | 4.6 |
| Rhode Island | AKC | 4.65 |
| South Carolina | AKC | 4.65 |
| South Dakota | AKC | 4.65 |
| Tennessee | AKC | 4.6 |
| Texas | AKC | 4.6 |
| Utah | AKC | 4.6 |
| Vermont | AKC | 4.6 |
| Virginia | AKC | 4.6 |
| Washington | AKC | 4.65 |
| West Virginia | AKC | 4.6 |
| Wisconsin | AKC | 4.6 |
| 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 Points
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 to insure. Several health and behavioral factors are responsible for the high rates.
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 deductible, annual limit and reimbursement rate choices on your dog's health history and your budget.
INSURANCE RISK PREVENTION
Regular dental cleanings and weight management protect your Chihuahua's long-term health. Choose breeders who screen for heart problems and patellar luxation. Schedule twice-yearly vet checkups to catch issues early.
How to Get the Best Cheap Chihuahua Pet Insurance
Finding pet insurance for your Chihuahua takes some research. These steps simplify the process:
- 1Evaluate Your Coverage Needs
Choose a plan based on your Chihuahua's age and potential health issues when deciding how much pet insurance you need. Review coverage options to find the best fit for your pet's specific health needs.
- 2Compare Insurance Providers
Request quotes from at least three pet insurers. Look for strong customer reviews, fast claim processing and clear policy terms on breed-specific conditions.
- 3Review Policy Details
Review waiting periods and pre-existing condition exclusions before enrolling. Confirm reimbursement terms for health conditions common to Chihuahuas.
- 4Get Multiple Online Quotes
Use online quote tools to compare rates across insurers. Prices vary between companies even for the same deductible, annual limit and reimbursement rate. Check whether discounts are available to reduce your premium by 5% to 10%.
Chihuahua Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Chihuahuas, while Pets Best offers the lowest monthly premiums.
Learn more about the best pet insurance providers for your Chihuahua:
Pet Insurance for Chihuahua: FAQ
We answered frequently asked questions about the best pet insurance for Chihuahuas:
What is the best pet insurance provider for Chihuahuas overall?
AKC is the best insurance provider for Chihuahuas.
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.
How much does Chihuahua insurance cost?
With a monthly premium of $65, Chihuahuas rank as the 197th most expensive breed to insure.
What are the most common accident and illness risks for Chihuahuas?
Chihuahuas commonly develop dental disease, patellar luxation (kneecap dislocation that causes limping) and hydrocephalus (fluid buildup in the brain that can lead to neurological issues).
How We Found the Best and Cheapest Chihuahua Insurance
Chihuahuas face breed-specific health challenges from dental disease, patellar luxation, and heart conditions that create different insurance needs than larger breeds, making it critical to find coverage that protects against these common issues without overpaying. We designed this research to show you which providers offer the best combination of affordable premiums and comprehensive coverage tailored specifically for Chihuahua owners.
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.
All costs presented for providers were modeled after a baseline profile: a 6-year-old Chihuahua with a $5,000 annual limit, $500 deductible, and 80% reimbursement. Average costs were based on aggregated pricing for the breed across all coverage selections and all ages insured on the market within reasonable life expectancy limits.
We analyzed online sources for comprehensive ratings based on three weighted metrics: Affordability (50%) aggregates ratings based on relative affordability compared to competition for all profiles and factor combinations, plus discounts as a minor component since there's only slight variation between companies.
Customer Experience (30%) uses general sentiment ratings aggregated from all internet sources, determining positive, neutral, and negative sentiment proportions for each company, with more positive sentiment meaning higher ratings.
Coverage (20%) draws from all contract details for every provider in every state, considering add-on options, inclusions, exclusions, and restrictions. Pet insurance regulations vary widely by state, and coverage options may differ based on your location.
Why this approach matters for Chihuahuas: Small-breed dogs face different health risks than larger breeds, with dental disease being particularly prevalent in Chihuahuas due to their small mouths and crowded teeth. Patellar luxation and heart conditions also occur more frequently in this breed, making coverage for these specific conditions critical. Our breed-specific analysis ensures you find insurers who cover Chihuahua health issues comprehensively rather than excluding common conditions as pre-existing or breed-specific limitations.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes for human buyers rather than search engines.
For questions about MoneyGeek's business and pet insurance content, contact him at connor@moneygeek.com or on LinkedIn.