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: June 4, 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 | 4.1 |
| 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 is the cheapest Shar Pei pet insurer in all 50 states. Monthly premiums range from $38 to $74 depending on 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 exams. Keep weight in a healthy range through diet and exercise because joint problems are more common in overweight Shar Peis.
Schedule early health screenings with your vet, especially for thyroid function. When choosing a puppy, select breeders who run genetic health tests on breeding dogs.
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 insurers. Check customer reviews for claims processing speed and confirm each carrier's policy on breed-specific conditions before shortlisting.
- 3Review Policy Details
Read exclusions and waiting periods before committing. Pay particular attention to reimbursement terms for Shar Pei-specific conditions. Skin fold issues and eye problems are common claims.
- 4Get Multiple Online Quotes
Use the same deductible, annual limit and reimbursement rate across every quote. Mismatched inputs make comparisons meaningless. Check whether you qualify for pet insurance discounts before finalizing.
- 5Check Rates Yearly
Pet insurance rates change at renewal. Compare quotes annually to confirm your current carrier is still the best-priced option for your Shar Pei's age and health profile.
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
MoneyGeek scored Shar Pei pet insurers on three factors:
Affordability (50%): We compared relative premiums across all profiles and coverage combinations, with discounts factored in as a minor component. Lower costs relative to competitors score higher.
Customer experience (30%): Scores draw from sentiment analysis across internet sources, measuring positive, neutral and negative proportions for each carrier. More positive sentiment scores higher.
Coverage (20%): We reviewed contract details for every carrier in every state, assessing add-on options, inclusions, exclusions and restrictions. Pet insurance regulations vary by state and coverage options may differ by location.
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.