The best pet insurance company for Lhasa Apsos is AKC due to its affordable rates and comprehensive coverage options. Other strong choices include Pets Best, Rainwalk and Lemonade.
Lhasa Apso Insurance
Updated: September 1, 2025
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Key Takeaways
AKC is the best pet insurance company for Lhasa Apsos, offering strong coverage and service quality
Pets Best provides the cheapest pet insurance rates for Lhasa Apsos, with average rates of around $26 monthly for standard protection.
The average monthly premium for Lhasa Apsos is $84, ranking them as the 167th most expensive dog breed to insure
Best Lhasa Apso Pet Insurance Companies
| AKC | 4.45 | $43 | 3 | 1 |
| Pets Best | 4.35 | $26 | 5 | 2 |
| Rainwalk | 4.35 | $42 | 1 | 4 |
| Lemonade | 4.30 | $29 | 3 | 6 |
| Spot | 4.10 | $40 | 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 Lhasa Apso
MoneyGeek Rating
4.5/ 5
4.3/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$43Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Lhasa Apso Pet Insurance by State
AKC leads pet insurance coverage for Lhasa Apsos in 50 states nationwide. Rainwalk ranks as the second-best option, topping the charts in Kansas and Michigan.
| Alabama | AKC | 4.45 |
| Alaska | AKC | 4.45 |
| Arizona | AKC | 4.45 |
| Arkansas | AKC | 4.55 |
| California | AKC | 4.50 |
| Colorado | AKC | 4.50 |
| Connecticut | AKC | 4.50 |
| Delaware | AKC | 4.45 |
| Florida | AKC | 4.50 |
| Georgia | AKC | 4.45 |
| Hawaii | AKC | 4.50 |
| Idaho | AKC | 4.45 |
| Illinois | AKC | 4.50 |
| Indiana | AKC | 4.50 |
| Iowa | AKC | 4.45 |
| Kansas | AKC | 4.45 |
| Kansas | Rainwalk | 4.45 |
| Kentucky | AKC | 4.50 |
| Louisiana | AKC | 4.45 |
| Maine | AKC | 4.45 |
| Maryland | AKC | 4.45 |
| Massachusetts | AKC | 4.45 |
| Michigan | Rainwalk | 4.40 |
| Michigan | AKC | 4.40 |
| Minnesota | AKC | 4.45 |
| Mississippi | AKC | 4.50 |
| Missouri | AKC | 4.45 |
| Montana | AKC | 4.50 |
| Nebraska | AKC | 4.45 |
| Nevada | AKC | 4.45 |
| New Hampshire | AKC | 4.45 |
| New Jersey | AKC | 4.45 |
| New Mexico | AKC | 4.50 |
| New York | AKC | 4.50 |
| North Carolina | AKC | 4.45 |
| North Dakota | AKC | 4.55 |
| Ohio | AKC | 4.45 |
| Oklahoma | AKC | 4.55 |
| Oregon | AKC | 4.50 |
| Pennsylvania | AKC | 4.50 |
| Rhode Island | AKC | 4.50 |
| South Carolina | AKC | 4.50 |
| South Dakota | AKC | 4.50 |
| Tennessee | AKC | 4.50 |
| Texas | AKC | 4.50 |
| Utah | AKC | 4.45 |
| Vermont | AKC | 4.50 |
| Virginia | AKC | 4.45 |
| Washington | AKC | 4.55 |
| West Virginia | AKC | 4.50 |
| Wisconsin | AKC | 4.45 |
| Wyoming | AKC | 4.50 |
*Rates are based on a 6-year-old Lhasa Apso 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 Lhasa Apso Pet Insurance Companies
Pets Best provides the most affordable pet insurance for Lhasa Apsos at $26 per month or $308 per year. Other budget-friendly providers include Pumpkin, Lemonade, ASPCA and Figo.
| Pets Best | $26 | $308 | 53% |
| Pumpkin | $27 | $316 | 52% |
| Lemonade | $29 | $345 | 47% |
| ASPCA | $34 | $403 | 39% |
| Figo | $36 | $432 | 34% |
*Rates are based on a 6-year-old Lhasa Apso 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 Lhasa Apsos
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4/5Customer Experience
4/5Coverage Options
Average Monthly Rate
$26Overall Customer Sentiment
70% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Direct vet payment option
Cheapest Lhasa Apso Pet Insurance by State
Pets Best offers the most affordable Lhasa Apso insurance nationwide, ranking cheapest in all 50 states. Monthly premiums range from $17 to $33, depending on your location.
| Alabama | Pets Best | $19 | 55% |
| Alaska | Pets Best | $25 | 54% |
| Arizona | Pets Best | $31 | 52% |
| Arkansas | Pets Best | $17 | 55% |
| California | Pets Best | $33 | 50% |
| Colorado | Pets Best | $33 | 52% |
| Connecticut | Pets Best | $30 | 53% |
| Delaware | Pets Best | $26 | 54% |
| Florida | Pets Best | $29 | 53% |
| Georgia | Pets Best | $23 | 52% |
| Hawaii | Pets Best | $26 | 54% |
| Idaho | Pets Best | $26 | 53% |
| Illinois | Pets Best | $32 | 51% |
| Indiana | Pets Best | $23 | 52% |
| Iowa | Pets Best | $22 | 54% |
| Kansas | Pets Best | $23 | 53% |
| Kentucky | Pets Best | $20 | 55% |
| Louisiana | Pets Best | $21 | 54% |
| Maine | Pets Best | $31 | 53% |
| Maryland | Pets Best | $25 | 57% |
| Massachusetts | Pets Best | $33 | 52% |
| Michigan | Pets Best | $26 | 53% |
| Minnesota | Pets Best | $27 | 52% |
| Mississippi | Pets Best | $22 | 54% |
| Missouri | Pets Best | $20 | 54% |
| Montana | Pets Best | $22 | 54% |
| Nebraska | Pets Best | $23 | 53% |
| Nevada | Pets Best | $27 | 52% |
| New Hampshire | Pets Best | $30 | 52% |
| New Jersey | Pets Best | $29 | 52% |
| New Mexico | Pets Best | $23 | 54% |
| New York | Pets Best | $28 | 53% |
| North Carolina | Pets Best | $23 | 55% |
| North Dakota | Pets Best | $20 | 54% |
| Ohio | Pets Best | $24 | 54% |
| Oklahoma | Pets Best | $22 | 54% |
| Oregon | Pets Best | $32 | 52% |
| Pennsylvania | Pets Best | $27 | 53% |
| Rhode Island | Pets Best | $22 | 54% |
| South Carolina | Pets Best | $25 | 52% |
| South Dakota | Pets Best | $23 | 55% |
| Tennessee | Pets Best | $24 | 53% |
| Texas | Pets Best | $27 | 52% |
| Utah | Pets Best | $25 | 54% |
| Vermont | Pets Best | $24 | 54% |
| Virginia | Pets Best | $28 | 54% |
| Washington | Pets Best | $30 | 55% |
| West Virginia | Pets Best | $22 | 53% |
| Wisconsin | Pets Best | $28 | 54% |
| Wyoming | Pets Best | $24 | 53% |
*Rates are based on a 6-year-old Lhasa Apso 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 Lhasa Apso Insurance Cost?
Monthly pet insurance for Lhasa Apsos ranges from $57 to $109 nationwide, ranking as the 167th most expensive breed to insure. Your actual premium will vary based on your location, coverage choices and pet's specific needs.
| Alabama | $64 | $762 | -24% |
| Alaska | $83 | $996 | -1% |
| Arizona | $100 | $1,203 | 19% |
| Arkansas | $57 | $684 | -32% |
| California | $104 | $1,250 | 24% |
| Colorado | $105 | $1,263 | 25% |
| Connecticut | $96 | $1,153 | 14% |
| Delaware | $85 | $1,022 | 1% |
| Florida | $96 | $1,149 | 14% |
| Georgia | $75 | $897 | -11% |
| Hawaii | $86 | $1,031 | 2% |
| Idaho | $84 | $1,007 | -0% |
| Illinois | $103 | $1,236 | 23% |
| Indiana | $76 | $911 | -10% |
| Iowa | $70 | $836 | -17% |
| Kansas | $77 | $918 | -9% |
| Kentucky | $67 | $807 | -20% |
| Louisiana | $68 | $816 | -19% |
| Maine | $101 | $1,217 | 21% |
| Maryland | $88 | $1,054 | 5% |
| Massachusetts | $109 | $1,308 | 30% |
| Michigan | $85 | $1,015 | 1% |
| Minnesota | $86 | $1,034 | 3% |
| Mississippi | $73 | $869 | -14% |
| Missouri | $67 | $800 | -21% |
| Montana | $71 | $856 | -15% |
| Nebraska | $75 | $905 | -10% |
| Nevada | $86 | $1,028 | 2% |
| New Hampshire | $97 | $1,158 | 15% |
| New Jersey | $94 | $1,128 | 12% |
| New Mexico | $74 | $889 | -12% |
| New York | $92 | $1,103 | 9% |
| North Carolina | $76 | $914 | -9% |
| North Dakota | $65 | $779 | -23% |
| Ohio | $78 | $940 | -7% |
| Oklahoma | $71 | $845 | -16% |
| Oregon | $105 | $1,253 | 24% |
| Pennsylvania | $89 | $1,060 | 5% |
| Rhode Island | $74 | $892 | -12% |
| South Carolina | $81 | $965 | -4% |
| South Dakota | $76 | $905 | -10% |
| Tennessee | $78 | $930 | -8% |
| Texas | $87 | $1,041 | 3% |
| Utah | $82 | $979 | -3% |
| Vermont | $78 | $939 | -7% |
| Virginia | $92 | $1,102 | 9% |
| Washington | $97 | $1,168 | 16% |
| West Virginia | $72 | $866 | -14% |
| Wisconsin | $91 | $1,089 | 8% |
| Wyoming | $77 | $927 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Lhasa Apso. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect Lhasa Apso Insurance Costs?
Lhasa Apsos rank 167th in pet insurance costs, making them affordable to insure with average monthly premiums of $84. Understanding the factors behind these rates helps owners budget for coverage and find the best insurance value.
Health Predispositions
Potential Vet Costs: $2,500 to $12,000
Lhasa Apsos have several breed-specific health challenges that insurers consider when determining coverage. Their genetic predisposition to progressive retinal atrophy often requires specialized treatment and ongoing care. They also commonly face patellar luxation, hip dysplasia and kidney problems. These conditions need regular monitoring and lead to significant veterinary expenses throughout their lifetime.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
Small breed dogs weighing 12 to 18 pounds require precise medication dosing and specialized procedure equipment. Due to their compact size, Lhasa Apsos need particular care during surgeries and dental work. While requiring smaller medication doses than larger breeds, their unique physical structure and dense coat complicate treatments and increase recovery care costs.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $800 (Young) to $1,000 to $3,500 (Senior)
Lhasa Apsos live 12 to 15 years, longer than average for most dog breeds. An extended lifespan means more years of potential health issues and veterinary care. Senior Lhasa Apsos often require frequent checkups, dental care and management of age-related conditions like arthritis or vision problems, increasing medical expenses in later years.
Behavioral and Activity Risks
Potential Vet Costs: $800 to $4,500
Alert Lhasa Apsos have protective instincts and moderate activity levels. While not usually high-risk for athletic injuries, their bold nature can lead to confrontations with larger dogs or accidents during guard activities. Their strong-willed personalities may result in training challenges, potentially affecting liability coverage options.
Breeding-Related Issues
Potential Vet Costs: $1,500 to $8,000
Increased popularity has led to concerning breeding practices affecting Lhasa Apso health outcomes. Insurance providers scrutinize this breed more carefully due to rising rates of inherited conditions, potentially leading to claim denials. Selecting puppies from health-tested parents with proper breeding documentation reduces risk and helps maintain affordable coverage options.
While Lhasa Apsos share some common health traits, your dog's needs are unique. Base your insurance choice on your pet's specific health history and your budget. A conversation with your vet can help identify your Lhasa Apso's individual risk factors.
INSURANCE RISK PREVENTION
Protect your Lhasa Apso's health with daily brushing to prevent skin issues and regular dental care to avoid tooth problems. Schedule twice-yearly vet checkups for early detection of eye and kidney diseases. Choose health-tested breeding lines when getting a puppy, and maintain a healthy weight through 20 to 30 minutes of daily exercise. Regular grooming and moderate activity help prevent common breed-specific issues.
How to Get the Best Cheap Lhasa Apso Pet Insurance
Getting affordable Lhasa Apso insurance requires some research. Follow these steps:
- 1
Evaluate Your Coverage Needs
Start by determining what health risks your Lhasa Apso might face and how much you can spend monthly on insurance. Learn about different pet insurance coverage options to match your pet's specific needs.
- 2
Compare Insurance Providers
Research multiple pet insurance companies and their basic rates for Lhasa Apsos. Look at customer reviews and ratings to understand how well each company handles claims and customer service.
- 3
Review Policy Details
Carefully examine waiting periods and coverage exclusions before choosing a policy. Request sample policies from your top choices to understand exactly what's covered and what isn't.
- 4
Get Multiple Online Quotes
Visit several pet insurance websites to get quotes for your Lhasa Apso. Prices can vary significantly between providers, even for similar coverage levels.
- 5
Review Annual Coverage
Check your policy terms each year before renewal. Your pet's needs and insurance rates change over time, so comparing new quotes annually helps maintain affordable coverage.
Lhasa Apso Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Lhasa Apsos, while Pets Best offers the lowest monthly premiums. Compare both options, along with other trusted providers, to find coverage that matches your pet's needs and your budget. The right policy brings peace of mind and ensures quality care when health issues arise.
Pet Insurance for Lhasa Apso: FAQ
Below are our expert answers to frequently asked questions about Lhasa Apso insurance:
What is the best pet insurance provider for Lhasa Apsos overall?
AKC provides the best insurance for Lhasa Apsos, offering comprehensive coverage and outstanding customer experience. Despite higher-than-average premiums, their extensive benefits and reliable service make them a worthwhile choice for pet owners.
Who offers the cheapest pet insurance for Lhasa Apsos?
Pets Best provides the most affordable pet insurance for Lhasa Apsos, with monthly premiums starting at $26 for standard coverage. Actual rates will vary based on your location, pet's age, and other individual factors.
How much does Lhasa Apso insurance cost?
Lhasa Apsos rank as the 167th most expensive breed to insure, with average monthly premiums of $84. Monthly insurance rates across states range from $57 to $109, depending on location.
What are the most common accident and illness risks for Lhasa Apsos?
Lhasa Apsos commonly face progressive retinal atrophy (causing gradual vision loss), kidney problems (affecting waste filtration), and patellar luxation (kneecap dislocation causing lameness). These health conditions are primarily linked to the breed's genetic makeup and small stature, making regular veterinary checkups essential for early detection and management.
How We Found the Best and Cheapest Lhasa Apso Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Lhasa Apsos. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Lhasa Apsos.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Lhasa Apso
- $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.