The best pet insurance company for Chow Chows is Pets Best due to its excellent combination of affordable premiums and reliable coverage. Other strong options are AKC, Lemonade and Rainwalk.
Chow Chow Insurance
Updated: September 4, 2025
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Key Takeaways
Pets Best is the best pet insurance company for Chow Chows, offering competitive pricing and comprehensive coverage.
Pumpkin provides the cheapest pet insurance rates for Chow Chows, with an average monthly rate of around $37 for standard protection.
The average monthly premium for Chow Chows is $121, making them the 58th most expensive dog breed to insure.
Best Chow Chow Pet Insurance Companies
| Pets Best | 4.20 | $39 | 5 | 2 |
| AKC | 4.20 | $62 | 3 | 1 |
| Lemonade | 4.15 | $40 | 3 | 6 |
| Rainwalk | 4.15 | $60 | 1 | 4 |
| Spot | 3.85 | $57 | 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.
Pets Best
Best for Chow Chows
MoneyGeek Rating
4.2/ 5
3.8/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$39Overall Sentiment
70% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Direct vet payment option
Best Chow Chow Pet Insurance by State
AKC leads pet insurance for Chow Chows in 43 states nationwide. Pets Best ranks highest in 21 states, including Virginia, Wisconsin and Washington, showing strong regional presence as the second-most-recommended provider.
| Alabama | Rainwalk | 4.25 |
| Alaska | AKC | 4.20 |
| Alaska | Rainwalk | 4.20 |
| Alaska | Pets Best | 4.20 |
| Arizona | AKC | 4.20 |
| Arizona | Pets Best | 4.20 |
| Arkansas | AKC | 4.30 |
| California | AKC | 4.25 |
| Colorado | AKC | 4.25 |
| Connecticut | AKC | 4.25 |
| Delaware | AKC | 4.20 |
| Delaware | Pets Best | 4.20 |
| Florida | AKC | 4.25 |
| Georgia | Pets Best | 4.20 |
| Georgia | AKC | 4.20 |
| Georgia | Rainwalk | 4.20 |
| Hawaii | AKC | 4.25 |
| Idaho | AKC | 4.20 |
| Idaho | Rainwalk | 4.20 |
| Idaho | Pets Best | 4.20 |
| Illinois | Rainwalk | 4.25 |
| Illinois | AKC | 4.25 |
| Indiana | AKC | 4.30 |
| Iowa | AKC | 4.20 |
| Iowa | Pets Best | 4.20 |
| Kansas | Rainwalk | 4.25 |
| Kentucky | AKC | 4.30 |
| Louisiana | AKC | 4.20 |
| Louisiana | Pets Best | 4.20 |
| Maine | AKC | 4.20 |
| Maine | Rainwalk | 4.20 |
| Maine | Pets Best | 4.20 |
| Maryland | Pets Best | 4.20 |
| Maryland | AKC | 4.20 |
| Maryland | Lemonade | 4.20 |
| Massachusetts | Rainwalk | 4.20 |
| Massachusetts | Pets Best | 4.20 |
| Massachusetts | AKC | 4.20 |
| Michigan | Pets Best | 4.20 |
| Michigan | Rainwalk | 4.20 |
| Minnesota | Rainwalk | 4.20 |
| Minnesota | AKC | 4.20 |
| Minnesota | Pets Best | 4.20 |
| Mississippi | AKC | 4.25 |
| Missouri | AKC | 4.25 |
| Montana | AKC | 4.25 |
| Nebraska | AKC | 4.20 |
| Nebraska | Pets Best | 4.20 |
| Nevada | AKC | 4.20 |
| Nevada | Pets Best | 4.20 |
| New Hampshire | AKC | 4.20 |
| New Hampshire | Pets Best | 4.20 |
| New Jersey | Pets Best | 4.20 |
| New Jersey | AKC | 4.20 |
| New Mexico | AKC | 4.30 |
| New York | AKC | 4.25 |
| North Carolina | AKC | 4.20 |
| North Carolina | Pets Best | 4.20 |
| North Dakota | AKC | 4.30 |
| Ohio | AKC | 4.20 |
| Ohio | Pets Best | 4.20 |
| Oklahoma | AKC | 4.30 |
| Oregon | AKC | 4.25 |
| Pennsylvania | AKC | 4.25 |
| Rhode Island | AKC | 4.25 |
| South Carolina | Rainwalk | 4.25 |
| South Dakota | AKC | 4.30 |
| Tennessee | AKC | 4.25 |
| Texas | AKC | 4.25 |
| Utah | Rainwalk | 4.20 |
| Utah | Pets Best | 4.20 |
| Vermont | AKC | 4.25 |
| Virginia | Rainwalk | 4.20 |
| Virginia | Pets Best | 4.20 |
| Washington | AKC | 4.35 |
| West Virginia | AKC | 4.25 |
| Wisconsin | Pets Best | 4.20 |
| Wyoming | AKC | 4.25 |
*Rates are based on a 6-year-old Chow Chow 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 Chow Chow Pet Insurance Companies
Pumpkin offers the lowest-priced pet insurance for Chow Chows at $37 monthly or $447 annually. Other budget-friendly options include Pets Best, Lemonade, ASPCA and Figo.
| Pumpkin | $37 | $447 | 32% |
| Pets Best | $39 | $464 | 29% |
| Lemonade | $40 | $478 | 27% |
| ASPCA | $48 | $574 | 13% |
| Figo | $52 | $623 | 5% |
*Rates are based on a 6-year-old Chow Chow with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pumpkin
Cheapest Pet Insurance for Chow Chows
MoneyGeek Rating
3.9/ 5
4.4/5Affordability
4.4/5Customer Experience
1.7/5Coverage Options
Average Monthly Rate
$37Overall Customer Sentiment
79% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Physical therapy and rehabilitation coverage
Cheapest Chow Chow Pet Insurance by State
Pumpkin stands out as the most budget-friendly pet insurance option for Chow Chows, offering the lowest rates in all 50 states. Monthly premiums range from $25 to $48, depending on location.
| Alabama | Pumpkin | $27 | 35% |
| Alaska | Pumpkin | $36 | 33% |
| Arizona | Pumpkin | $45 | 30% |
| Arkansas | Pumpkin | $25 | 35% |
| California | Pumpkin | $47 | 27% |
| Colorado | Pumpkin | $47 | 31% |
| Connecticut | Pumpkin | $43 | 31% |
| Delaware | Pumpkin | $38 | 32% |
| Florida | Pumpkin | $42 | 31% |
| Georgia | Pumpkin | $34 | 31% |
| Hawaii | Pumpkin | $38 | 33% |
| Idaho | Pumpkin | $37 | 31% |
| Illinois | Pumpkin | $46 | 29% |
| Indiana | Pumpkin | $34 | 31% |
| Iowa | Pumpkin | $31 | 33% |
| Kansas | Pumpkin | $34 | 32% |
| Kentucky | Pumpkin | $30 | 35% |
| Louisiana | Pumpkin | $30 | 34% |
| Maine | Pumpkin | $45 | 32% |
| Maryland | Pumpkin | $37 | 37% |
| Massachusetts | Pumpkin | $48 | 30% |
| Michigan | Pumpkin | $37 | 32% |
| Minnesota | Pumpkin | $39 | 31% |
| Mississippi | Pumpkin | $32 | 33% |
| Missouri | Pumpkin | $29 | 33% |
| Montana | Pumpkin | $31 | 33% |
| Nebraska | Pumpkin | $34 | 32% |
| Nevada | Pumpkin | $39 | 31% |
| New Hampshire | Pumpkin | $43 | 30% |
| New Jersey | Pumpkin | $42 | 30% |
| New Mexico | Pumpkin | $33 | 33% |
| New York | Pumpkin | $41 | 31% |
| North Carolina | Pumpkin | $33 | 34% |
| North Dakota | Pumpkin | $29 | 33% |
| Ohio | Pumpkin | $34 | 33% |
| Oklahoma | Pumpkin | $31 | 33% |
| Oregon | Pumpkin | $46 | 30% |
| Pennsylvania | Pumpkin | $39 | 32% |
| Rhode Island | Pumpkin | $32 | 33% |
| South Carolina | Pumpkin | $35 | 31% |
| South Dakota | Pumpkin | $33 | 34% |
| Tennessee | Pumpkin | $34 | 31% |
| Texas | Pumpkin | $39 | 30% |
| Utah | Pumpkin | $36 | 33% |
| Vermont | Pumpkin | $35 | 33% |
| Virginia | Pumpkin | $40 | 33% |
| Washington | Pumpkin | $43 | 34% |
| West Virginia | Pumpkin | $32 | 32% |
| Wisconsin | Pumpkin | $40 | 33% |
| Wyoming | Pumpkin | $35 | 31% |
*Rates are based on a 6-year-old Chow Chow 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 Chow Chow Insurance Cost?
Monthly pet insurance for Chow Chows ranges from $82 to $157 across the U.S., ranking as the 58th most expensive breed to insure. Your actual premium depends on your location and chosen coverage options.
| Alabama | $91 | $1,095 | -24% |
| Alaska | $120 | $1,435 | -1% |
| Arizona | $144 | $1,731 | 19% |
| Arkansas | $82 | $984 | -32% |
| California | $150 | $1,799 | 24% |
| Colorado | $152 | $1,817 | 25% |
| Connecticut | $139 | $1,660 | 14% |
| Delaware | $123 | $1,471 | 1% |
| Florida | $138 | $1,652 | 14% |
| Georgia | $108 | $1,291 | -11% |
| Hawaii | $124 | $1,483 | 2% |
| Idaho | $121 | $1,448 | -0% |
| Illinois | $148 | $1,778 | 23% |
| Indiana | $109 | $1,310 | -10% |
| Iowa | $100 | $1,203 | -17% |
| Kansas | $110 | $1,320 | -9% |
| Kentucky | $97 | $1,162 | -20% |
| Louisiana | $98 | $1,173 | -19% |
| Maine | $146 | $1,753 | 21% |
| Maryland | $127 | $1,516 | 4% |
| Massachusetts | $157 | $1,882 | 30% |
| Michigan | $122 | $1,461 | 1% |
| Minnesota | $124 | $1,488 | 3% |
| Mississippi | $104 | $1,251 | -14% |
| Missouri | $96 | $1,150 | -21% |
| Montana | $103 | $1,233 | -15% |
| Nebraska | $109 | $1,302 | -10% |
| Nevada | $123 | $1,480 | 2% |
| New Hampshire | $139 | $1,668 | 15% |
| New Jersey | $136 | $1,625 | 12% |
| New Mexico | $107 | $1,278 | -12% |
| New York | $132 | $1,587 | 9% |
| North Carolina | $110 | $1,315 | -9% |
| North Dakota | $94 | $1,122 | -23% |
| Ohio | $113 | $1,352 | -7% |
| Oklahoma | $102 | $1,216 | -16% |
| Oregon | $150 | $1,803 | 24% |
| Pennsylvania | $127 | $1,525 | 5% |
| Rhode Island | $107 | $1,283 | -12% |
| South Carolina | $117 | $1,400 | -3% |
| South Dakota | $109 | $1,302 | -10% |
| Tennessee | $112 | $1,338 | -8% |
| Texas | $125 | $1,497 | 3% |
| Utah | $118 | $1,408 | -3% |
| Vermont | $113 | $1,352 | -7% |
| Virginia | $132 | $1,585 | 9% |
| Washington | $140 | $1,680 | 16% |
| West Virginia | $104 | $1,247 | -14% |
| Wisconsin | $131 | $1,566 | 8% |
| Wyoming | $111 | $1,336 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Chow Chow. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Chow Chow Insurance Costs?
Chow Chows rank as the 58th most expensive dog breed for pet insurance, with premiums averaging $121 monthly. Understanding the specific health and behavioral factors behind these costs helps owners manage their insurance expenses effectively.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Chow Chows face several breed-specific health challenges that insurers consider high-risk, making it essential to understand your coverage options. Hip dysplasia commonly requires costly corrective surgery in this breed. They are also prone to entropion (eyelid abnormalities), thyroid disorders, and skin conditions. These hereditary health issues can significantly increase lifetime veterinary expenses.
Size-Related Factors
Potential Vet Cost Increase: 40% to 60% higher vet costs
As medium to large dogs weighing 45 to 70 pounds, Chow Chows require larger medication doses and more anesthesia during procedures than smaller breeds. Their muscular build and thick coat can complicate surgeries, requiring specialized equipment. Recovery periods often extend longer, frequently requiring supportive devices like large crates or mobility aids, which increases overall treatment costs.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $700 (Young) to $1,000 to $3,500 (Senior)
Chow Chows typically live 8 to 12 years, which is relatively short compared to other breeds. This compressed lifespan often means age-related health issues develop earlier. Senior Chow Chows frequently need more extensive medical care, including regular blood work, arthritis management, and treatment for age-related conditions, substantially increasing veterinary expenses in their later years.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Chow Chows have moderate activity levels but strong protective instincts. Their territorial nature and independent personality can lead to confrontational situations resulting in injuries. While not typically high-energy dogs, their powerful build makes them susceptible to joint injuries and sprains during normal activity. Their protective nature may affect liability coverage options.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Increased demand has led to poor breeding practices, elevating the risk of genetic health issues in Chow Chows. Insurance providers often consider this breed higher risk due to hereditary conditions, potentially affecting coverage terms and exclusions. Selecting a puppy from health-tested parents with proper breeding documentation can significantly reduce future medical expenses and insurance complications.
While Chow Chows share some common health traits, your dog's unique health profile matters most when considering insurance. Base your coverage decision on your pet's specific needs and your budget comfort level. A conversation with your vet can help identify which health risks apply to your Chow Chow.
INSURANCE RISK PREVENTION
Reduce your Chow Chow's health risks through targeted prevention strategies. Schedule regular hip and eye screenings to catch issues early, and maintain a healthy weight through measured portions and daily walks during cooler hours. Choose a breeder who tests for genetic conditions and provides health clearances. Regular grooming prevents skin problems common with their thick coat, while feeding from elevated bowls and avoiding exercise around meals decreases bloat risk.
How to Get the Best Cheap Chow Chow Pet Insurance
While Chow Chow insurance rates can be high, smart comparison shopping and a few strategies can help reduce your costs.
- 1
Understand Your Coverage Options
Chow Chows face unique health challenges like hip dysplasia and eye problems that can lead to expensive vet bills. Review pet insurance coverage options to determine if accident-only or comprehensive coverage better suits your needs.
- 2
Compare Insurance Providers
Research multiple pet insurance companies that cover Chow Chows. Look for providers with strong customer reviews and clear policy terms about breed-specific conditions.
- 3
Review Policy Details
Examine waiting periods and pre-existing condition exclusions before committing. Pay special attention to coverage limits and deductibles that affect your out-of-pocket costs.
- 4
Get Multiple Price Quotes
Request quotes from at least three different insurance providers. Prices can vary by hundreds of dollars for the same coverage level.
- 5
Review Annual Coverage
Check your policy terms and pricing each year before renewal. Your Chow Chow's age and health needs change, so your insurance should adapt accordingly.
Chow Chow Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Chow Chows, while Pumpkin offers the lowest monthly premiums at $37. Compare both providers and other trusted options to find coverage that matches your pet's health needs and budget. The right policy brings peace of mind and ensures quality care when health issues arise.
Pet Insurance for Chow Chow: FAQ
Below are our expert answers to frequently asked questions about Chow Chow insurance:
What is the best pet insurance provider for Chow Chows overall?
AKC offers the best insurance for Chow Chows, featuring comprehensive coverage and outstanding customer experience. Despite higher-than-average premiums, their extensive benefits and excellent service make them a valuable choice for Chow owners seeking reliable protection.
Who offers the cheapest pet insurance for Chow Chows?
Pumpkin offers the most affordable pet insurance for Chow Chows at $37 per month for standard coverage. Note that actual premiums will vary based on your location, pet's age, and other individual factors.
How much does Chow Chow insurance cost?
Chow Chows rank as the 58th most expensive breed to insure, with average monthly premiums of $121. Monthly insurance rates can vary significantly by location, ranging from $82 to $157.
What are the most common accident and illness risks for Chow Chows?
Hip dysplasia, bloat, and entropion are the most prevalent health risks for Chow Chows. Hip dysplasia causes joint deterioration and mobility issues, bloat is a life-threatening stomach condition requiring immediate surgery, and entropion causes painful eye irritation due to inward-rolling eyelids. These conditions are largely attributed to the breed's genetic makeup and distinctive physical structure.
How We Found the Best and Cheapest Chow Chow Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Chow Chows. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Chow Chows.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Chow Chow
- $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.