AKC is the best pet insurance provider for Shih Tzus due to its superior coverage options and strong customer service ratings. Other top-rated options are Rainwalk, Pets Best and Lemonade.
Shih Tzu Insurance
Updated: August 29, 2025
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Key Takeaways
AKC is the best pet insurance company for Shih Tzus, offering comprehensive coverage and strong customer service.
Pets Best offers the cheapest pet insurance rates for Shih Tzus, with average rates of around $22 monthly for standard protection.
The average monthly premium for Shih Tzus is $71, ranking them as the 191st most expensive dog breed to insure.
Best Shih Tzu Pet Insurance Companies
| AKC | 4.55 | $36 | 3 | 1 |
| Rainwalk | 4.45 | $34 | 1 | 4 |
| Pets Best | 4.40 | $22 | 5 | 2 |
| Lemonade | 4.35 | $23 | 3 | 6 |
| Spot | 4.15 | $34 | 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 Shih Tzus
MoneyGeek Rating
4.5/ of 5
4.5/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$36Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Shih Tzu Pet Insurance by State
AKC leads pet insurance for Shih Tzus in 50 states nationwide. Rainwalk ranks highest in five states, including Michigan, Illinois and South Carolina.
| Alabama | AKC | 4.55 |
| Alaska | AKC | 4.55 |
| Arizona | AKC | 4.55 |
| Arkansas | AKC | 4.60 |
| California | AKC | 4.55 |
| Colorado | AKC | 4.55 |
| Connecticut | AKC | 4.55 |
| Delaware | AKC | 4.55 |
| Florida | AKC | 4.60 |
| Georgia | AKC | 4.55 |
| Hawaii | AKC | 4.55 |
| Idaho | AKC | 4.55 |
| Illinois | AKC | 4.55 |
| Illinois | Rainwalk | 4.55 |
| Indiana | AKC | 4.60 |
| Iowa | AKC | 4.55 |
| Kansas | AKC | 4.55 |
| Kentucky | AKC | 4.60 |
| Louisiana | AKC | 4.55 |
| Maine | AKC | 4.55 |
| Maryland | AKC | 4.50 |
| Massachusetts | AKC | 4.55 |
| Michigan | Rainwalk | 4.50 |
| Michigan | AKC | 4.50 |
| Minnesota | AKC | 4.55 |
| Mississippi | AKC | 4.55 |
| Missouri | AKC | 4.55 |
| Montana | AKC | 4.55 |
| Nebraska | AKC | 4.55 |
| Nevada | AKC | 4.55 |
| New Hampshire | AKC | 4.55 |
| New Jersey | AKC | 4.55 |
| New Mexico | AKC | 4.60 |
| New York | AKC | 4.55 |
| North Carolina | AKC | 4.55 |
| North Dakota | AKC | 4.60 |
| Ohio | AKC | 4.55 |
| Oklahoma | AKC | 4.60 |
| Oregon | AKC | 4.55 |
| Pennsylvania | AKC | 4.55 |
| Rhode Island | AKC | 4.60 |
| South Carolina | AKC | 4.55 |
| South Carolina | Rainwalk | 4.55 |
| South Dakota | AKC | 4.60 |
| Tennessee | AKC | 4.55 |
| Texas | AKC | 4.55 |
| Utah | AKC | 4.50 |
| Utah | Rainwalk | 4.50 |
| Vermont | AKC | 4.55 |
| Virginia | AKC | 4.50 |
| Virginia | Rainwalk | 4.50 |
| Washington | AKC | 4.60 |
| West Virginia | AKC | 4.55 |
| Wisconsin | AKC | 4.50 |
| Wyoming | AKC | 4.55 |
*Rates are based on a 6-year-old Shih Tzu 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 Shih Tzu Pet Insurance Companies
Pets Best provides the most affordable pet insurance for Shih Tzus at $22 per month or $268 per year. Other budget-friendly options include Pumpkin, Lemonade, ASPCA and Figo.
| Pets Best | $22 | $268 | 59% |
| Pumpkin | $23 | $280 | 57% |
| Lemonade | $23 | $282 | 57% |
| ASPCA | $28 | $343 | 48% |
| Figo | $30 | $367 | 44% |
*Rates are based on a 6-year-old Shih Tzu 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 Shih Tzus
MoneyGeek Rating
4.4/ of 5
4.8/5Affordability
4/5Customer Experience
4/5Coverage Options
Average Monthly Rate
$22Overall Customer Sentiment
70% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Direct vet payment option
Cheapest Shih Tzu Pet Insurance by State
Pets Best offers the most affordable Shih Tzu insurance nationwide, ranking lowest in 50 states. Monthly premiums range from $15 to $28, depending on your location.
| Alabama | Pets Best | $16 | 61% |
| Alaska | Pets Best | $21 | 60% |
| Arizona | Pets Best | $27 | 58% |
| Arkansas | Pets Best | $15 | 61% |
| California | Pets Best | $28 | 56% |
| Colorado | Pets Best | $28 | 58% |
| Connecticut | Pets Best | $25 | 59% |
| Delaware | Pets Best | $22 | 60% |
| Florida | Pets Best | $25 | 59% |
| Georgia | Pets Best | $20 | 58% |
| Hawaii | Pets Best | $22 | 60% |
| Idaho | Pets Best | $22 | 59% |
| Illinois | Pets Best | $27 | 58% |
| Indiana | Pets Best | $20 | 58% |
| Iowa | Pets Best | $18 | 60% |
| Kansas | Pets Best | $20 | 60% |
| Kentucky | Pets Best | $17 | 61% |
| Louisiana | Pets Best | $18 | 60% |
| Maine | Pets Best | $27 | 59% |
| Maryland | Pets Best | $22 | 62% |
| Massachusetts | Pets Best | $28 | 58% |
| Michigan | Pets Best | $22 | 59% |
| Minnesota | Pets Best | $23 | 58% |
| Mississippi | Pets Best | $19 | 60% |
| Missouri | Pets Best | $17 | 60% |
| Montana | Pets Best | $18 | 60% |
| Nebraska | Pets Best | $20 | 59% |
| Nevada | Pets Best | $23 | 59% |
| New Hampshire | Pets Best | $26 | 58% |
| New Jersey | Pets Best | $25 | 58% |
| New Mexico | Pets Best | $19 | 60% |
| New York | Pets Best | $24 | 59% |
| North Carolina | Pets Best | $20 | 61% |
| North Dakota | Pets Best | $17 | 60% |
| Ohio | Pets Best | $20 | 60% |
| Oklahoma | Pets Best | $18 | 60% |
| Oregon | Pets Best | $27 | 58% |
| Pennsylvania | Pets Best | $23 | 60% |
| Rhode Island | Pets Best | $19 | 60% |
| South Carolina | Pets Best | $21 | 58% |
| South Dakota | Pets Best | $19 | 61% |
| Tennessee | Pets Best | $20 | 59% |
| Texas | Pets Best | $23 | 58% |
| Utah | Pets Best | $21 | 60% |
| Vermont | Pets Best | $20 | 60% |
| Virginia | Pets Best | $24 | 60% |
| Washington | Pets Best | $25 | 61% |
| West Virginia | Pets Best | $19 | 59% |
| Wisconsin | Pets Best | $24 | 60% |
| Wyoming | Pets Best | $20 | 59% |
*Rates are based on a 6-year-old Shih Tzu 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 Shih Tzu Insurance Cost?
Monthly pet insurance for Shih Tzus ranges from $48 to $92 across the U.S., ranking as the 191st most expensive breed to insure. Your actual premium depends on your location, coverage choices and pet's specific needs.
| Alabama | $53 | $642 | -24% |
| Alaska | $70 | $839 | -1% |
| Arizona | $84 | $1,014 | 19% |
| Arkansas | $48 | $576 | -32% |
| California | $88 | $1,053 | 24% |
| Colorado | $89 | $1,065 | 25% |
| Connecticut | $81 | $971 | 14% |
| Delaware | $72 | $861 | 1% |
| Florida | $80 | $968 | 14% |
| Georgia | $63 | $756 | -11% |
| Hawaii | $72 | $869 | 2% |
| Idaho | $70 | $848 | -0% |
| Illinois | $87 | $1,041 | 23% |
| Indiana | $64 | $768 | -10% |
| Iowa | $59 | $705 | -17% |
| Kansas | $64 | $773 | -9% |
| Kentucky | $57 | $681 | -20% |
| Louisiana | $57 | $688 | -19% |
| Maine | $85 | $1,025 | 21% |
| Maryland | $74 | $889 | 5% |
| Massachusetts | $92 | $1,103 | 30% |
| Michigan | $71 | $856 | 1% |
| Minnesota | $72 | $871 | 3% |
| Mississippi | $61 | $732 | -14% |
| Missouri | $56 | $674 | -21% |
| Montana | $60 | $721 | -15% |
| Nebraska | $63 | $763 | -10% |
| Nevada | $72 | $867 | 2% |
| New Hampshire | $81 | $976 | 15% |
| New Jersey | $79 | $950 | 12% |
| New Mexico | $62 | $749 | -12% |
| New York | $77 | $930 | 9% |
| North Carolina | $64 | $771 | -9% |
| North Dakota | $55 | $656 | -23% |
| Ohio | $66 | $792 | -7% |
| Oklahoma | $59 | $712 | -16% |
| Oregon | $88 | $1,056 | 24% |
| Pennsylvania | $74 | $894 | 5% |
| Rhode Island | $63 | $752 | -12% |
| South Carolina | $67 | $811 | -5% |
| South Dakota | $64 | $763 | -10% |
| Tennessee | $65 | $784 | -8% |
| Texas | $73 | $877 | 3% |
| Utah | $69 | $825 | -3% |
| Vermont | $66 | $791 | -7% |
| Virginia | $77 | $929 | 9% |
| Washington | $82 | $984 | 16% |
| West Virginia | $61 | $729 | -14% |
| Wisconsin | $76 | $918 | 8% |
| Wyoming | $65 | $781 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Shih Tzu. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Shih Tzu Insurance Costs?
Shih Tzus rank 191st among dog breeds for pet insurance costs, with premiums averaging $71 per month. Breed-specific health factors drive these higher-than-expected rates for these popular companions.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Shih Tzus face breed-specific health challenges that insurers consider high-risk. Intervertebral disk disease often requires costly surgery, while progressive retinal atrophy, hip dysplasia and respiratory problems from their brachycephalic nature significantly increase lifetime veterinary expenses.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
Small-breed Shih Tzus require specialized care, which affects treatment costs. Their compact size demands careful medication dosing and precise anesthesia administration during procedures. Their small airways and delicate bone structure require specialized equipment and expertise, particularly during dental work or surgery.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $800 (Young) to $1,000 to $3,500 (Senior)
Shih Tzus live 10 to 16 years, relatively long for dogs. Extended lifespan means more years of potential health issues, particularly in their senior phase. Aging Shih Tzus require more frequent veterinary care, specialized medications, and management of age-related conditions like arthritis or dental disease.
Behavioral and Activity Risks
Potential Vet Costs: $800 to $4,500
Shih Tzus are at a higher risk of injury from jumping or rough play. They often approach larger dogs without caution, risking injury from encounters or falls. Their long coats need frequent grooming to avoid skin problems, which increases expenses.
Breeding-Related Issues
Potential Vet Costs: $1,500 to $8,000
Poor breeding practices have increased genetic health issues in Shih Tzus, affecting their respiratory and skeletal systems. Insurers consider certain bloodlines to be at higher risk, affecting coverage terms. Selecting puppies from health-tested parents with documented breeding histories reduces future medical expenses.
Shih Tzus share common health risks, but your dog's needs are unique. Choose insurance coverage based on your pet's health history and budget. Your veterinarian can help identify which health risks matter most for your Shih Tzu.
INSURANCE RISK PREVENTION
Keep your dog at a healthy weight through measured portions and regular exercise in cooler temperatures to accommodate flat-faced breathing. Choose breeders who provide hip, eye and patella health certifications. Grooming, dental care and eye cleaning prevent common breed-specific issues. Regular vet checkups catch problems early, saving money and stress.
How to Get the Best Cheap Shih Tzu Pet Insurance
Smart research and a few simple steps can help you secure affordable Shih Tzu insurance coverage.
- 1
Evaluate Your Coverage Needs
Consider your Shih Tzu's age and potential health issues when choosing pet insurance coverage. Focus on common breed concerns like eye problems and hip dysplasia when selecting your coverage level.
- 2
Compare Insurance Providers
Get baseline prices from multiple insurance companies for your Shih Tzu's age and health status. Look at customer reviews and claim processing times to find reliable providers.
- 3
Review Policy Details
Examine waiting periods and pre-existing condition rules before committing to a plan. Ask for a sample policy document to understand exactly what's covered and what's not.
- 4
Get Multiple Online Quotes
Request quotes from at least three different pet insurance providers. Prices can vary by hundreds of dollars for the same coverage level.
- 5
Check Rates Annually
Review your policy and get new quotes each year before renewal. Your Shih Tzu's changing health needs and market competition can create opportunities for better rates.
Shih Tzu Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Shih Tzus, while Pets Best offers the lowest monthly premiums. Our research shows both companies provide strong coverage options. Compare these insurers, along with other trusted providers, to find the right match for your pet's needs and your budget. The right policy brings peace of mind and reliable coverage when health issues arise.
Pet Insurance for Shih Tzu: FAQ
Below are our expert answers to frequently asked questions about Shih Tzu insurance:
What is the best pet insurance provider for Shih Tzus overall?
AKC offers the best insurance coverage for Shih Tzus, featuring comprehensive protection and exceptional customer service. Despite higher-than-average premiums, their extensive coverage and reliable claims process make them a valuable choice for Shih Tzu owners.
Who offers the cheapest pet insurance for Shih Tzus?
Pets Best provides the most affordable pet insurance for Shih Tzus, with monthly premiums starting at $22 for standard coverage. Rates vary based on your location and your pet's specific circumstances.
How much does Shih Tzu insurance cost?
With an average monthly premium of $71, Shih Tzus rank as the 191st most expensive breed to insure. Monthly rates across states range from $48 to $92.
What are the most common accident and illness risks for Shih Tzus?
Shih Tzus commonly face respiratory problems due to their flat faces, causing breathing difficulties and heat sensitivity. They're also prone to eye conditions like progressive retinal atrophy and corneal ulcers, affecting vision. Hip dysplasia is another frequent issue causing joint pain and mobility challenges. These health risks largely stem from the breed's distinctive facial structure and genetic predisposition.
How We Found the Best and Cheapest Shih Tzu Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Shih Tzus. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Shih Tzus.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Shih Tzu
- $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 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.