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Pet Insurance for Small Dogs

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Small dogs like to have fun too!

Small dogs are versatile. They can sit on your lap while you watch your favorite TV show or chase tennis balls in the backyard. Small dogs are unique. They need to be cared and looked after differently than bigger dogs. From the food you feed your small dog to the leash you choose small dogs are different than big dogs. And in honor of small dogs we decided to create a pet insurance guide dedicated to the small dogs of America!

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Top 10 Health Issues in Small Dogs

These health issues aren't exclusive to small dogs, but they are more prevalent in small breed dogs, so it's important to be aware of them as you evaluate pet insurance coverage. Also keep in mind that smaller dog breeds live longer than larger dogs so the likelihood of an illness is higher.

Condition Cost to Treat
Dental Problems $250 to $1,500
Intervertebral Disc Disease $3,000 to $9,000
Luxating Patella $1,500 to $3,000
Brachycephalic Syndrome Varies
Collapsed Trachea Varies
Hip Dysplasia $4,000 to $6,000 per hip
Legg-Perthes Disease $2,000 to $4,000
Cherry Eye $500 to $1,000 per eye
Ectropion $300 to $1,500 per eye
Pancreatitis Varies

Sources: petMD, Petplan, Pedigree, VetStreet

Five Best Companies for Small Dogs

Pet insurance is not "one-size-fits-all." In fact, depending on the breed of your dog, there are different companies that are better suited to meet your needs. For example, because dental problems are so common with small dogs you want to make sure you have the best dental coverage available. And because small dogs are susceptible to orthopedic issues like IVDD, luxating patellas and hip dysplasia, you want to make sure the company you choose provides excellent coverage for these issues. Here is our list of the top pet insurance companies for small breed dogs.

Healthy Paws


Healthy Paws Pet Insurance


Healthy Paws is no slouch when it comes to insuring small dogs. They do take a backseat to Petplan because they only cover dental care that is due to an accident. They also have a longer waiting period for hip dysplasia (12 months) but aside from that it's an excellent choice for any small breed dog owner and do not cover exam fees. However, Healthy Paws has unlimited lifetime benefits and a 98% customer satisfaction rating.

Learn more about Healthy Paws



Nationwide Pet Insurance


Nationwide has no annual limits and is one of the only pet insurance companies to offer direct pay to veterinarians, which removes the need for reimbursements. Nationwide also offers quick claims payments with 60% of claims are being settled the same day and 80% are settled within 5 days!

Learn more about Nationwide



Embrace Pet Insurance


Embrace is another great option for small dog owners. Consistently rated as one of the top pet insurance companies in America, Embrace allows you to customize coverage to meet your goals and budget. However, when if you choose Embrace for your little pup make sure you select the $10,000 annual limit option and include Rx drug coverage because it's optional.

Learn more about Embrace


Petplan Pet Insurance logo


Petplan will cover non-routine dental treatments as long as your dog has had his teeth checked by a licensed veterinarian within 12 months prior to the effective date and any treatment recommended as a result of the appointment was carried out. Many companies only offer coverage for dental care if it's related to an accident.

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Pets Best

Pets Best Insurance


Much like Embrace Pets Best offers a lot of coverage options for dog owners. Options are a good thing, but you have to make sure you select the coverage items that are critical to small breed dogs. We recommend you choose the Elite Option, which includes a $10,000 annual limit and covers rehabilitative, acupuncture and chiropractic treatment, which can come in handy if your dog needs orthopedic care.

Learn more about Pets Best

Best Pet Insurance

29 Most Popular Small Breed Dogs

Chihuahua Dog Insurance

Want to learn more about your specific dog breed? Check out our detailed health profiles of the top 20 most popular small dog breeds.

Small Dog Breed
Bichon Frise
Boston Terrier
Cavalier King Charles Spaniel
Chinese Crested
Cocker Spaniel
French Bulldog
Jack Russell Terrier
Miniature Pinscher
Miniature Poodle
Miniature Schnauzer
Mixed Breed Dog
Pembroke Welsh Corgi
Pug Dog
Rat Terrier
Scottish Terrier
Shih Tzu
Silky Terrier
Toy Poodle
West Highland White Terrier
Yorkshire Terrier

Pet Insurance Cost for Small Dogs

Pet Insurance Cost

The cost to insure a small dog varies widely based on your pet's breed. Some breeds like Dachshunds and Chihuahuas are more prone to expensive hereditary conditions so they cost more to insure than other small breeds. Just like home or auto insurance pet insurance companies generate rates based on the likelihood of a claim, which is why it's important to compare quotes and weigh your options.

See Prices for Your Pet

Prices will vary based on your dog's breed, age and your zip code (cost of treatment in your area).

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Breed Specific Medical Issues


Common Pet Health Problems


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