LaSnugShih Tzu insurance, gently estimated.
A healthy young Shih Tzu typically estimates around $55–$84/month for accident-and-illness cover. Tune it to your pet in under a minute.
By the LaSnug team · estimates reviewed June 2026
What drives the cost for a Shih Tzu
A brachycephalic toy breed with breathing, eye, and dental risks. Issues tend to be frequent rather than catastrophic, which coverage handles well.
Insurers price each breed on its typical claims history. For the Shih Tzu, the conditions that most affect premiums include:
- breathing problems (BOAS)
- eye conditions
- dental disease
- luxating patella
Insurers worth a Shih Tzu owner's time.
Pricing varies between providers. Get a personalized quote from each to see your real number.
Shih Tzu insurance questions
How much does it cost to insure a Shih Tzu?
For a healthy young Shih Tzu, accident-and-illness plans typically estimate around $55–$84 per month, depending on your state, the pet's age, and the coverage limits and deductible you choose. Older pets cost more.
Is pet insurance worth it for a Shih Tzu?
Shih Tzus are prone to breathing problems (BOAS) and eye conditions, and treating a single serious condition can cost thousands. Insurance is most worthwhile when bought young, before any condition becomes pre-existing and excluded.
What isn't covered?
Standard accident-and-illness plans exclude pre-existing conditions, and routine or wellness care is usually an optional add-on. Always read the policy wording before buying.