AKC is the best pet insurance provider for Yorkshire Terriers due to its comprehensive coverage and reliable customer service. Also consider Rainwalk, Pets Best and Lemonade for coverage.
Yorkshire Terrier Insurance
Updated: August 27, 2025
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Key Takeaways
AKC is the best pet insurance company for Yorkshire Terriers, offering strong coverage and service quality.
Pets Best provides the cheapest pet insurance rates for Yorkshire Terriers, with average rates of around $26 monthly for standard protection.
The average monthly premium for Yorkshire Terriers is $78, making them the 181st most expensive dog breed to insure.
Best Yorkshire Terrier Pet Insurance Companies
| AKC | 4.50 | $39 | 3 | 1 |
| Rainwalk | 4.40 | $39 | 1 | 4 |
| Pets Best | 4.35 | $26 | 5 | 2 |
| Lemonade | 4.35 | $26 | 3 | 6 |
| Spot | 4.10 | $37 | 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 Yorkshire Terriers
MoneyGeek Rating
4.5/ of 5
4.4/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$39Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Yorkshire Terrier Pet Insurance by State
Even by state, AKC still wins the vast majority of states, 50 out of 50. Rainwalk is the best provider in Illinois, Michigan and Utah.
| Alabama | AKC | 4.50 |
| Alaska | AKC | 4.50 |
| Arizona | AKC | 4.50 |
| Arkansas | AKC | 4.55 |
| California | AKC | 4.50 |
| Colorado | AKC | 4.50 |
| Connecticut | AKC | 4.50 |
| Delaware | AKC | 4.50 |
| Florida | AKC | 4.55 |
| Georgia | AKC | 4.50 |
| Hawaii | AKC | 4.50 |
| Idaho | AKC | 4.50 |
| Illinois | AKC | 4.50 |
| Illinois | Rainwalk | 4.50 |
| Indiana | AKC | 4.55 |
| Iowa | AKC | 4.50 |
| Kansas | AKC | 4.50 |
| Kentucky | AKC | 4.55 |
| Louisiana | AKC | 4.50 |
| Maine | AKC | 4.50 |
| Maryland | AKC | 4.50 |
| Massachusetts | AKC | 4.50 |
| Michigan | AKC | 4.45 |
| Michigan | Rainwalk | 4.45 |
| Minnesota | AKC | 4.50 |
| Mississippi | AKC | 4.50 |
| Missouri | AKC | 4.50 |
| Montana | AKC | 4.50 |
| Nebraska | AKC | 4.50 |
| Nevada | AKC | 4.50 |
| New Hampshire | AKC | 4.50 |
| New Jersey | AKC | 4.50 |
| New Mexico | AKC | 4.55 |
| New York | AKC | 4.50 |
| North Carolina | AKC | 4.50 |
| North Dakota | AKC | 4.55 |
| Ohio | AKC | 4.50 |
| Oklahoma | AKC | 4.55 |
| Oregon | AKC | 4.50 |
| Pennsylvania | AKC | 4.50 |
| Rhode Island | AKC | 4.55 |
| South Carolina | AKC | 4.55 |
| South Dakota | AKC | 4.55 |
| Tennessee | AKC | 4.50 |
| Texas | AKC | 4.50 |
| Utah | AKC | 4.45 |
| Utah | Rainwalk | 4.45 |
| Vermont | AKC | 4.50 |
| Virginia | AKC | 4.45 |
| Virginia | Rainwalk | 4.45 |
| Washington | AKC | 4.60 |
| West Virginia | AKC | 4.50 |
| Wisconsin | AKC | 4.45 |
| Wyoming | AKC | 4.55 |
*Rates are based on a 6-year-old Yorkshire Terrier 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 Yorkshire Terrier Pet Insurance Companies
Pets Best offers the cheapest pet insurance for Yorkshire Terriers at $26 per month or $307 per year. Other budget-friendly providers include Lemonade, Pumpkin, ASPCA and Figo.
| Pets Best | $26 | $307 | 53% |
| Lemonade | $26 | $312 | 52% |
| Pumpkin | $27 | $316 | 52% |
| ASPCA | $32 | $379 | 42% |
| Figo | $33 | $394 | 40% |
*Rates are based on a 6-year-old Yorkshire Terrier 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 Yorkshire Terriers
MoneyGeek Rating
4.3/ of 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 Yorkshire Terrier Pet Insurance by State
Pets Best offers the most affordable Yorkshire Terrier insurance nationwide, ranking lowest in 50 states. Monthly premiums range from $17 to $33, depending on your location.
| Alabama | Pets Best | $19 | 56% |
| 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 | 52% |
| Indiana | Pets Best | $23 | 52% |
| Iowa | Pets Best | $22 | 54% |
| Kansas | Pets Best | $23 | 54% |
| Kentucky | Pets Best | $20 | 56% |
| Louisiana | Pets Best | $21 | 55% |
| 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 | 54% |
| Nevada | Pets Best | $27 | 53% |
| 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 | 54% |
| 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 Yorkshire Terrier 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 Yorkshire Terrier Insurance Cost?
Monthly pet insurance premiums for Yorkshire Terriers range from $53 to $101 across the U.S., with a national average of $78. They rank as the 181st most expensive breed to insure. Your costs will vary based on your pet's age and the coverage you select.
| Alabama | $59 | $707 | -24% |
| Alaska | $77 | $925 | -1% |
| Arizona | $93 | $1,117 | 19% |
| Arkansas | $53 | $635 | -32% |
| California | $97 | $1,161 | 24% |
| Colorado | $98 | $1,173 | 25% |
| Connecticut | $89 | $1,071 | 14% |
| Delaware | $79 | $949 | 1% |
| Florida | $89 | $1,067 | 14% |
| Georgia | $69 | $833 | -11% |
| Hawaii | $80 | $958 | 2% |
| Idaho | $78 | $935 | -0% |
| Illinois | $96 | $1,148 | 23% |
| Indiana | $70 | $846 | -10% |
| Iowa | $65 | $777 | -17% |
| Kansas | $71 | $852 | -9% |
| Kentucky | $62 | $750 | -20% |
| Louisiana | $63 | $758 | -19% |
| Maine | $94 | $1,130 | 21% |
| Maryland | $82 | $979 | 5% |
| Massachusetts | $101 | $1,215 | 30% |
| Michigan | $79 | $943 | 1% |
| Minnesota | $80 | $960 | 3% |
| Mississippi | $67 | $807 | -14% |
| Missouri | $62 | $743 | -21% |
| Montana | $66 | $795 | -15% |
| Nebraska | $70 | $841 | -10% |
| Nevada | $80 | $955 | 2% |
| New Hampshire | $90 | $1,076 | 15% |
| New Jersey | $87 | $1,048 | 12% |
| New Mexico | $69 | $825 | -12% |
| New York | $85 | $1,025 | 9% |
| North Carolina | $71 | $849 | -9% |
| North Dakota | $60 | $724 | -23% |
| Ohio | $73 | $873 | -7% |
| Oklahoma | $66 | $785 | -16% |
| Oregon | $97 | $1,164 | 24% |
| Pennsylvania | $82 | $985 | 5% |
| Rhode Island | $69 | $829 | -12% |
| South Carolina | $75 | $896 | -4% |
| South Dakota | $70 | $841 | -10% |
| Tennessee | $72 | $864 | -8% |
| Texas | $80 | $967 | 3% |
| Utah | $76 | $909 | -3% |
| Vermont | $73 | $872 | -7% |
| Virginia | $85 | $1,024 | 9% |
| Washington | $90 | $1,084 | 16% |
| West Virginia | $67 | $804 | -14% |
| Wisconsin | $84 | $1,011 | 8% |
| Wyoming | $72 | $861 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Yorkshire Terrier. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect Yorkshire Terrier Insurance Costs?
Yorkshire Terriers rank 181st in pet insurance costs among all dog breeds, with average premiums of $78 per month. This puts them on the expensive side for coverage. Health issues common to the breed push rates higher, but knowing what insurers look for can help you find better deals.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Yorkshire Terriers face several health conditions that insurers consider high-risk, so understanding your coverage options matters. Patellar luxation often requires surgical correction, while dental disease, collapsed trachea and portosystemic shunts are common issues that increase veterinary expenses. Their small size also makes them prone to hypoglycemia and liver problems that require ongoing medical treatment.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
Yorkshire Terriers are toy-sized dogs that require specialized veterinary care, which increases treatment costs. Their tiny size means they need precise medication dosing and careful anesthesia monitoring during procedures. Small breeds often need specialized dental care and are more sensitive to medication side effects. Recovery from procedures often requires extra monitoring and specialized equipment sized for toy breeds.
Lifespan Considerations
Annual Vet Costs By Age: $700 to $1,500 (Young) to $2,000 to $3,500 (Senior)
Yorkshire Terriers typically live 13 to 16 years, longer than many larger breeds. This extended lifespan means more years of potential health issues and veterinary care. Older Yorkies often develop age-related conditions like arthritis, dental disease and heart problems that require regular medical attention and ongoing treatment, increasing veterinary costs in their later years.
Behavioral and Activity Risks
Potential Vet Costs: $1,000 to $4,500
Despite their small size, Yorkshire Terriers are energetic and bold, often engaging in activities beyond their physical capabilities. This fearless nature leads to injuries from jumping, falling or encounters with larger animals. Their spirited personality and occasional territorial behavior can also result in conflicts that require emergency veterinary care.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Yorkshire Terriers got so popular that many breeders focused more on looks than health. Now there are more Yorkies with liver shunts and heart problems because of bad breeding. Insurers know this and limit coverage or charge higher rates for these inherited health issues. Getting a puppy from parents with clean health tests can save you thousands in vet bills later.
Yorkshire Terriers share some common health traits, but your pet's insurance needs depend on their unique health profile. Your budget and your dog's specific medical history should guide your coverage decisions. Consult your vet to identify which health risks matter most for your Yorkshire Terrier.
INSURANCE RISK PREVENTION
Keep your Yorkshire Terrier healthy with good dental care and weight control. Brush their teeth daily and get professional cleanings to avoid expensive dental problems that Yorkies often develop. Keep your Yorkie at the right weight with careful feeding and exercise. Regular vet checkups can catch early signs of knee, eye or trachea problems, helping you avoid expensive treatments later. If you're buying a puppy, pick one from parents who passed health tests to reduce genetic problems.
How to Get the Best Cheap Yorkshire Terrier Pet Insurance
Yorkshire Terrier owners can lower their insurance costs with these money-saving strategies.
- 1
Understand Your Coverage Options
Yorkshire Terriers get dental problems and collapsed trachea that cost thousands in vet bills. Look at different pet insurance coverage options to choose between accident-only coverage or full coverage that pays for illnesses and routine care.
- 2
Compare Insurance Providers
Get familiar with top pet insurance companies and their basic rates for Yorkshire Terriers. Look for providers with positive customer reviews and clear policies about covering breed-specific conditions.
- 3
Review Policy Details
Check how long you'll wait before coverage starts and what breed-specific problems won't be covered. Look closely at coverage limits and deductibles to determine how much you'll pay when filing a claim.
- 4
Get Multiple Price Quotes
Get quotes from at least three providers. Prices vary by hundreds of dollars for the same coverage, so comparing multiple options is important.
- 5
Review Coverage Annually
Check rates and coverage each year before renewal. Your Yorkshire Terrier's needs may change, and new providers may offer better rates or coverage options.
Yorkshire Terrier Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Yorkshire Terriers, while Pets Best offers the cheapest monthly premiums. Compare both companies to find coverage that fits your pet's health needs and budget. The right insurance provides financial protection and ensures your Yorkshire Terrier can get proper care when health issues arise.
Pet Insurance for Yorkshire Terrier: FAQ
Our insurance experts answer your key questions about Yorkshire Terrier coverage options and costs.
What is the best pet insurance provider for Yorkshire Terriers overall?
AKC is the leading pet insurance provider for Yorkshire Terriers, offering comprehensive coverage and good customer service. Despite higher-than-average premiums, their broad benefits and strong coverage options protect your pet.
Who offers the cheapest pet insurance for Yorkshire Terrier?
Pets Best provides the most affordable pet insurance for Yorkshire Terriers, with monthly premiums starting at $26 for standard coverage. Your rates will vary based on your pet's details and location.
How much does Yorkshire Terrier insurance cost?
Yorkshire Terriers have an average monthly insurance premium of $78, ranking 181st in cost among dog breeds. Monthly rates across states range from $53 to $101, depending on location.
What are the most common accident and illness risks for Yorkshire Terrier?
Yorkshire Terriers commonly face patellar luxation (kneecap dislocation causing lameness), tracheal collapse (weakened windpipe leading to breathing difficulties), and dental disease (tooth decay and gum problems affecting eating). These health risks are mostly linked to their tiny size and genetic predisposition as a toy breed.
How We Found the Best and Cheapest Yorkshire Terrier Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Yorkshire Terriers. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to create our recommendations for Yorkshire Terriers.
How We Determined Costs
All costs presented in this article for providers were based on the following profile:
- 6-year-old Yorkshire Terrier
- $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 combines ratings based on relative affordability compared to competition for all profiles and factor combinations. We also factored in discounts as a minor component to the rating since there's only a slight variation between companies.
- Customer Experience (30% of score): We used ratings 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 create 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.