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: September 20, 2026
Advertising & Editorial Disclosure
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 cost of pet insurance for Yorkshire Terriers is $78, making them the 181st most expensive dog breed to insure.
Best Yorkshire Terrier 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.
Discover the best pet insurance options for your Yorkshire Terrier across different situations:
AKC
Best for Yorkshire Terriers
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.4/5Customer Experience
5/5Coverage Points
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 | 4.5 |
| Alaska | AKC | 4.5 |
| Arizona | AKC | 4.5 |
| Arkansas | AKC | 4.55 |
| California | AKC | 4.5 |
| Colorado | AKC | 4.5 |
| Connecticut | AKC | 4.5 |
| Delaware | AKC | 4.5 |
| Florida | AKC | 4.55 |
| Georgia | AKC | 4.5 |
| Hawaii | AKC | 4.5 |
| Idaho | AKC | 4.5 |
| Illinois | AKC | 4.5 |
| Illinois | Rainwalk | 4.5 |
| Indiana | AKC | 4.55 |
| Iowa | AKC | 4.5 |
| Kansas | AKC | 4.5 |
| Kentucky | AKC | 4.55 |
| Louisiana | AKC | 4.5 |
| Maine | AKC | 4.5 |
| Maryland | AKC | 4.5 |
| Massachusetts | AKC | 4.5 |
| Michigan | AKC | 4.45 |
| Michigan | Rainwalk | 4.45 |
| Minnesota | AKC | 4.5 |
| Mississippi | AKC | 4.5 |
| Missouri | AKC | 4.5 |
| Montana | AKC | 4.5 |
| Nebraska | AKC | 4.5 |
| Nevada | AKC | 4.5 |
| New Hampshire | AKC | 4.5 |
| New Jersey | AKC | 4.5 |
| New Mexico | AKC | 4.55 |
| New York | AKC | 4.5 |
| North Carolina | AKC | 4.5 |
| North Dakota | AKC | 4.55 |
| Ohio | AKC | 4.5 |
| Oklahoma | AKC | 4.55 |
| Oregon | AKC | 4.5 |
| Pennsylvania | AKC | 4.5 |
| Rhode Island | AKC | 4.55 |
| South Carolina | AKC | 4.55 |
| South Dakota | AKC | 4.55 |
| Tennessee | AKC | 4.5 |
| Texas | AKC | 4.5 |
| Utah | AKC | 4.45 |
| Utah | Rainwalk | 4.45 |
| Vermont | AKC | 4.5 |
| Virginia | AKC | 4.45 |
| Virginia | Rainwalk | 4.45 |
| Washington | AKC | 4.6 |
| West Virginia | AKC | 4.5 |
| 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/ 5
4.7/5Affordability
4/5Customer Experience
4/5Coverage Points
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 is cheapest in 50 states. Depending on your location, monthly premiums are $17 to $33.
| 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 PredispositionsPotential Vet Costs: $2,500 to $15,000
Insurers price Yorkshire Terriers as high-risk, and the list of reasons why is long. Patellar luxation usually needs surgery to fix. Dental disease, collapsed trachea, portosystemic shunts are all common, and they're all expensive. Their small size means hypoglycemia and liver problems, both requiring treatment that doesn't stop after one visit.
Size-Related FactorsPotential Vet Cost Increase: 15% to 25% higher vet costs
Toy-sized comes with its own price tag at the vet. Precise medication dosing and careful anesthesia monitoring are standard requirements during any procedure. Dental care gets specialized too, and medication side effects hit harder in a body this small. Even recovery costs more, with extra monitoring and equipment sized specifically for toy breeds tending to follow any procedure.
Lifespan ConsiderationsAnnual Vet Costs By Age: $700 to $1,500 (Young) to $2,000 to $3,500 (Senior)
A 13-to-16-year lifespan puts Yorkies ahead of most larger breeds, and that extra time comes with extra risk. The older a Yorkie gets, more conditions (arthritis, dental disease, heart problems) show up, and the vet bill climbs right along with them.
Behavioral and Activity RisksPotential Vet Costs: $1,000 to $4,500
Small doesn't mean cautious. Yorkshire Terriers regularly take on physical activities well beyond what their size should allow, and that fearlessness leads directly to injuries from jumping, falling or tangling with bigger animals. A territorial streak adds its own risk too, sometimes ending in a conflict that needs emergency veterinary care.
Breeding-Related IssuesPotential Vet Costs: $3,000 to $12,000
Popularity did Yorkshire Terriers no favors. As demand grew, breeders leaned toward looks over health, and now liver shunts and heart problems show up more often because of bad breeding.
Insurers respond by limiting coverage or charging more for these inherited conditions. A puppy from parents with clean health tests can save you thousands down the line.
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 deductible, annual limit and reimbursement rate decisions. Consult your vet to identify which health risks matter most for your Yorkshire Terrier.
INSURANCE RISK PREVENTION
Dental care and weight control do more for a Yorkshire Terrier's health than almost anything else you can control. Daily brushing plus professional cleanings head off the expensive dental problems this breed commonly runs into.
Careful feeding and regular exercise keep the weight where it should be. Vet checkups catch knee, eye or trachea problems while they're still cheap to treat. And if you want a puppy, parents with passed health tests are your best defense against genetic problems down the line.
How to Get the Best Cheap Yorkshire Terrier Pet Insurance
A handful of money-saving strategies can lower your coverage costs as a Yorkshire Terrier owner. Start with getting pet insurance the right way.
- 1Understand Your Coverage Options
Dental problems and collapsed trachea can be into the thousands for a Yorkshire Terrier, which is exactly why pet insurance is worth it for this breed. From there, weigh accident-only against full pet insurance coverage, the kind that also pays for illnesses and routine care.
- 2Compare Insurance Providers
Which top pet insurance companies actually price Yorkshire Terriers competitively? From there, filter for positive customer reviews, fast claim processing and policies that speak directly to breed-specific conditions.
- 3Review Policy Details
How long are the waiting periods, and which breed-specific problems fall outside coverage entirely? Annual limits and deductibles deserve equally close attention, since they decide what you'll actually pay out of pocket when a claim comes through.
- 4Get Multiple Price Quotes
Hundreds of dollars can separate quotes built around the identical deductible, reimbursement rate and annual limit, so this step is worth the extra time. Ask about discounts that could knock your premium down further.
- 5Review Coverage Annually
A year changes things for your Yorkshire Terrier and for the market both. Check rates and coverage against renewal every year, since a new provider might beat what you're currently paying.
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.
Learn more about the best pet insurance providers for your Yorkshire Terrier:
Pet Insurance for Yorkshire Terrier: FAQ
Our insurance experts answer your key questions about Yorkshire Terrier coverage options and costs.
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.
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.
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.
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
We got every cost figure from aggregated pricing for the breed, spanning every coverage selection and every age insured on the market within a reasonable life expectancy window.
How We Rated Each Provider
We used three basic metrics:
- Affordability (50% of score): We found how affordable is a provider against its competition, across every profile and factor combination we could test. Discounts factor in too, but in a minor way, since companies don't vary much on that front.
- Customer Experience (30% of score): We used general sentiment, pulled from across the internet and sorted into positive, neutral and negative. More positive sentiment pushes the rating up.
- Coverage (20% of score): We read every contract in every providerin every state to make this score, weighing add-on options, inclusions, exclusions and restrictions. Coverage regulations change by state, so what you get can look different depending on where you live.
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 have 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 content for real pet owners.
Questions about MoneyGeek's business or pet insurance content? Reach him at connor@moneygeek.com or on LinkedIn.