The best pet insurance company for Shar Peis is Lemonade due to its competitive pricing and strong customer satisfaction scores. Other top providers are AKC, Rainwalk and Fetch.
Shar Pei Insurance
Updated: January 29, 2026
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Key Takeaways
Lemonade is the best pet insurance company for Shar Peis, with broad coverage and strong customer service ratings.
Lemonade offers the cheapest pet insurance rates for Shar Peis, with average rates of $58 monthly for standard protection.
Pet insurance costs an average of $176 per month for Shar Peis, making them the 19th most expensive dog breed to insure.
Best Shar Pei 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.
Find the best pet insurance options for your Shar Pei by coverage type:
Lemonade
Best for Shar Peis
MoneyGeek Rating
4.0/ 5
3.9/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate
$58Overall Sentiment
72% positiveMaximum Annual Limit
$100,000Notable Add-on
Physical therapy for new accidents and illness
Best Shar Pei Pet Insurance by State
Lemonade leads Shar Pei insurance coverage in 43 states. AKC ranks second, taking the top spot in 16 states, including Arkansas, Florida and Indiana.
| Alabama | Lemonade | 3.95 |
| Alaska | Lemonade | 3.95 |
| Arizona | Lemonade | 3.95 |
| Arkansas | AKC | 4.05 |
| California | Lemonade | 3.95 |
| California | AKC | 3.95 |
| Colorado | Lemonade | 3.95 |
| Connecticut | Lemonade | 3.95 |
| Delaware | Lemonade | 3.95 |
| Florida | AKC | 3.95 |
| Florida | Lemonade | 3.95 |
| Georgia | Lemonade | 3.95 |
| Hawaii | Lemonade | 3.95 |
| Idaho | Lemonade | 3.95 |
| Illinois | Rainwalk | 3.95 |
| Illinois | Lemonade | 3.95 |
| Indiana | AKC | 4 |
| Iowa | Lemonade | 3.95 |
| Kansas | Lemonade | 3.95 |
| Kentucky | Lemonade | 4 |
| Kentucky | AKC | 4 |
| Louisiana | Lemonade | 3.95 |
| Maine | Lemonade | 3.95 |
| Maryland | Lemonade | 3.95 |
| Massachusetts | Lemonade | 3.95 |
| Michigan | Lemonade | 3.95 |
| Minnesota | Lemonade | 3.95 |
| Mississippi | Lemonade | 3.95 |
| Mississippi | AKC | 3.95 |
| Missouri | Lemonade | 3.95 |
| Montana | Lemonade | 3.95 |
| Montana | AKC | 3.95 |
| Nebraska | Lemonade | 3.95 |
| Nevada | Lemonade | 3.95 |
| New Hampshire | Lemonade | 3.95 |
| New Jersey | Lemonade | 3.95 |
| New Mexico | AKC | 4 |
| New York | Lemonade | 3.95 |
| North Carolina | Lemonade | 3.95 |
| North Dakota | AKC | 4 |
| Ohio | Lemonade | 3.95 |
| Oklahoma | AKC | 4.05 |
| Oregon | Lemonade | 3.95 |
| Pennsylvania | Lemonade | 3.95 |
| Pennsylvania | AKC | 3.95 |
| Rhode Island | AKC | 3.95 |
| Rhode Island | Lemonade | 3.95 |
| South Carolina | Lemonade | 3.95 |
| South Carolina | AKC | 3.95 |
| South Dakota | AKC | 4 |
| Tennessee | Lemonade | 3.95 |
| Texas | Lemonade | 3.95 |
| Utah | Lemonade | 3.95 |
| Vermont | Lemonade | 3.95 |
| Virginia | Lemonade | 3.95 |
| Washington | AKC | 4.09 |
| West Virginia | Lemonade | 3.95 |
| Wisconsin | Lemonade | 3.95 |
| Wyoming | Lemonade | 3.95 |
| Wyoming | AKC | 3.95 |
*Rates are based on a 6-year-old Shar Pei 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 Shar Pei Pet Insurance Companies
Lemonade provides the most affordable pet insurance for Shar Peis at $58 per month or $692 per year. Other budget-friendly options include Fetch, ASPCA, Figo and Pumpkin.
| Lemonade | $58 | $692 | 5% |
| Fetch | $67 | $809 | 23% |
| ASPCA | $76 | $908 | 38% |
| Figo | $78 | $944 | 44% |
| Pumpkin | $81 | $978 | 49% |
*Rates are based on a 6-year-old Shar Pei 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 Shar Pei Pet Insurance by State
Lemonade offers the most budget-friendly pet insurance for Shar Peis, ranking cheapest in 50 states. Monthly premiums range from $38 to $74, depending on your location.
| Alabama | Lemonade | $42 | 0% |
| Alaska | Lemonade | $56 | 4% |
| Arizona | Lemonade | $70 | 9% |
| Arkansas | Lemonade | $39 | 0% |
| California | Lemonade | $73 | 13% |
| Colorado | Lemonade | $73 | 7% |
| Connecticut | Lemonade | $66 | 7% |
| Delaware | Lemonade | $58 | 4% |
| Florida | Lemonade | $65 | 6% |
| Georgia | Lemonade | $52 | 7% |
| Hawaii | Lemonade | $58 | 3% |
| Idaho | Lemonade | $58 | 6% |
| Illinois | Lemonade | $71 | 9% |
| Indiana | Lemonade | $52 | 8% |
| Iowa | Lemonade | $48 | 3% |
| Kansas | Lemonade | $52 | 5% |
| Kentucky | Lemonade | $46 | 0% |
| Louisiana | Lemonade | $47 | 2% |
| Maine | Lemonade | $70 | 6% |
| Maryland | Lemonade | $57 | 3% |
| Massachusetts | Lemonade | $74 | 8% |
| Michigan | Lemonade | $58 | 5% |
| Minnesota | Lemonade | $60 | 8% |
| Mississippi | Lemonade | $49 | 3% |
| Missouri | Lemonade | $46 | 3% |
| Montana | Lemonade | $48 | 4% |
| Nebraska | Lemonade | $52 | 5% |
| Nevada | Lemonade | $60 | 7% |
| New Hampshire | Lemonade | $67 | 8% |
| New Jersey | Lemonade | $65 | 8% |
| New Mexico | Lemonade | $51 | 4% |
| New York | Lemonade | $63 | 7% |
| North Carolina | Lemonade | $51 | 2% |
| North Dakota | Lemonade | $44 | 4% |
| Ohio | Lemonade | $53 | 3% |
| Oklahoma | Lemonade | $48 | 4% |
| Oregon | Lemonade | $72 | 8% |
| Pennsylvania | Lemonade | $60 | 5% |
| Rhode Island | Lemonade | $50 | 4% |
| South Carolina | Lemonade | $54 | 6% |
| South Dakota | Lemonade | $51 | 2% |
| Tennessee | Lemonade | $53 | 6% |
| Texas | Lemonade | $61 | 8% |
| Utah | Lemonade | $55 | 4% |
| Vermont | Lemonade | $54 | 4% |
| Virginia | Lemonade | $62 | 3% |
| Washington | Lemonade | $66 | 2% |
| West Virginia | Lemonade | $50 | 6% |
| Wisconsin | Lemonade | $62 | 3% |
| Wyoming | Lemonade | $53 | 6% |
*Rates are based on a 6-year-old Shar Pei 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 Shar Pei Insurance Cost?
Monthly insurance premiums for Shar Peis range from $120 to $229, ranking as the 19th most expensive dog breed to insure. Your actual cost depends on your location and chosen coverage options.
| Alabama | $133 | $1,600 | -25% |
| Alaska | $174 | $2,096 | -1% |
| Arizona | $210 | $2,528 | 19% |
| Arkansas | $120 | $1,437 | -32% |
| California | $219 | $2,628 | 24% |
| Colorado | $221 | $2,655 | 25% |
| Connecticut | $202 | $2,425 | 14% |
| Delaware | $179 | $2,149 | 1% |
| Florida | $201 | $2,413 | 14% |
| Georgia | $157 | $1,885 | -11% |
| Hawaii | $180 | $2,167 | 2% |
| Idaho | $176 | $2,116 | -0% |
| Illinois | $216 | $2,596 | 23% |
| Indiana | $159 | $1,914 | -10% |
| Iowa | $146 | $1,757 | -17% |
| Kansas | $161 | $1,928 | -9% |
| Kentucky | $141 | $1,697 | -20% |
| Louisiana | $143 | $1,714 | -19% |
| Maine | $213 | $2,561 | 21% |
| Maryland | $184 | $2,214 | 4% |
| Massachusetts | $229 | $2,749 | 30% |
| Michigan | $178 | $2,134 | 1% |
| Minnesota | $181 | $2,173 | 3% |
| Mississippi | $152 | $1,828 | -14% |
| Missouri | $140 | $1,680 | -21% |
| Montana | $150 | $1,801 | -15% |
| Nebraska | $158 | $1,902 | -10% |
| Nevada | $180 | $2,161 | 2% |
| New Hampshire | $203 | $2,437 | 15% |
| New Jersey | $197 | $2,373 | 12% |
| New Mexico | $155 | $1,867 | -12% |
| New York | $193 | $2,319 | 9% |
| North Carolina | $160 | $1,920 | -9% |
| North Dakota | $136 | $1,639 | -23% |
| Ohio | $164 | $1,974 | -7% |
| Oklahoma | $148 | $1,776 | -16% |
| Oregon | $219 | $2,634 | 24% |
| Pennsylvania | $186 | $2,228 | 5% |
| Rhode Island | $156 | $1,875 | -12% |
| South Carolina | $170 | $2,046 | -3% |
| South Dakota | $158 | $1,902 | -10% |
| Tennessee | $163 | $1,954 | -8% |
| Texas | $182 | $2,186 | 3% |
| Utah | $171 | $2,056 | -3% |
| Vermont | $164 | $1,975 | -7% |
| Virginia | $193 | $2,316 | 9% |
| Washington | $204 | $2,454 | 16% |
| West Virginia | $152 | $1,821 | -14% |
| Wisconsin | $190 | $2,287 | 8% |
| Wyoming | $162 | $1,951 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Shar Pei. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect Shar Pei Insurance Costs?
Shar Peis rank as the 19th most expensive breed to insure, with an average monthly premium of $176. Breed-specific health factors drive these higher costs, but smart choices help keep insurance affordable.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Entropion, a painful eye condition requiring surgical correction, occurs frequently in this breed. Shar Peis are also prone to skin-fold infections, hip dysplasia and thyroid problems, which increase lifetime veterinary costs.
Size-Related Factors
Potential Vet Cost Increase: 30% to 45% higher vet costs
Shar Peis weigh 45 to 60 pounds, affecting medical care costs through larger medication doses and specialized surgical considerations. Their muscular build means injuries often require longer recovery periods and specialized support equipment.
Lifespan Considerations
Annual Vet Costs By Age: $300 to $900 (Young) to $1,200 to $3,500 (Senior)
Shar Peis live 8 to 12 years, shorter than average for medium-sized dogs. Age-related health issues develop earlier, with senior Shar Peis requiring intensive medical care including regular blood work, medication management and specialized treatments for chronic conditions.
Behavioral and Activity Risks
Potential Vet Costs: $800 to $4,500
Shar Peis are naturally protective dogs with moderate activity levels. Their territorial instincts can lead to confrontational situations, while their muscular build increases the risk of joint and ligament injuries during exercise.
Breeding-Related Issues
Potential Vet Costs: $1,500 to $8,000
Poor breeding practices have intensified genetic health problems in many Shar Peis, affecting skin and the immune system. Insurers consider these inherited conditions when determining coverage terms and exclusions. Selecting puppies from health-tested parents with documented medical screenings reduces future veterinary expenses.
Your Shar Pei's health needs may differ from breed averages, so base insurance choices on your pet's medical history. When selecting deductibles, annual limits and reimbursement rates, consider your budget and comfort level with out-of-pocket costs.
INSURANCE RISK PREVENTION
Clean your Shar Pei's skin folds daily and schedule regular eye checkups. Maintain a healthy weight through proper diet and exercise to prevent joint problems. Schedule early health screenings with your vet, especially for thyroid function. Select breeders who perform genetic health testing on breeding dogs when choosing a puppy.
How to Get the Best Cheap Shar Pei Pet Insurance
Smart research and a few simple steps can help you get pet insurance for your Shar Pei that matches your budget.
- 1Understand Your Coverage Options
Shar Peis have distinct health challenges that affect how much pet insurance you need. Review pet insurance coverage options to choose between accident-only plans or full coverage that includes hereditary conditions.
- 2Compare Insurance Companies
Get quotes from at least three different pet insurers. Look for those with positive customer reviews, fast claim processing speeds and clear policies about covering breed-specific conditions.
- 3Review Policy Details
Check exclusions and waiting periods before signing up. Focus on reviewing the reimbursement terms for common Shar Pei health issues like skin problems and eye conditions.
- 4Get Multiple Online Quotes
Every pet insurance provider in the U.S. offers quotes and an entirely online buying process, often under 2 minutes. So get as many quotes as possible using the same deductible, annual limit and reimbursement rate to get the best deal. See if you qualify for pet insurance discounts that can lower your rate.
- 5Check Rates Yearly
Pet insurance rates often change at renewal. Compare new quotes each year to make sure you're still getting the best deal for your Shar Pei.
Shar Pei Dog Insurance: Bottom Line
Lemonade is the best and most affordable pet insurance provider for Shar Peis. Compare Lemonade's plans with other insurers to find what's best for your Shar Pei. The right policy provides financial protection and ensures quality care when health issues arise.
Learn more about the best pet insurance providers for your Shar Pei:
Pet Insurance for Shar Pei: FAQ
Here are our expert answers to frequently asked questions about Shar Pei insurance:
What is the best pet insurance provider for Shar Peis overall?
Lemonade offers the best insurance coverage for Shar Peis with strong protection and top-rated customer service. Premiums run higher than average, but the broad benefits and reliable coverage make the extra cost worthwhile for your pet's health.
Who offers the cheapest pet insurance for Shar Peis?
Lemonade provides the lowest-cost pet insurance for Shar Peis, with monthly premiums starting at $58 for standard coverage. Rates vary by location and your pet's age and health.
How much does Shar Pei insurance cost?
Shar Peis rank as the 19th-most-expensive breed to insure, with average monthly premiums of $176. Monthly rates vary by location, ranging from $120 to $229, depending on your state.
What are the most common accident and illness risks for Shar Peis?
Shar Peis commonly suffer from entropion (rolled-in eyelids causing irritation and vision problems), FSF (Familial Shar Pei Fever, causing painful joint swelling and fever episodes) and skin fold infections in their signature wrinkles. The breed's distinctive physical characteristics and genetics cause these health problems.
How We Found the Best and Cheapest Shar Pei Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Shar Peis. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Shar Peis.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Shar Pei
- $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%): 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%): 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%): 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.