Chihuahua Pet Insurance
Give your Chi nose-to-tail coverage for all of life's surprises!
Chihuahuas are alert, confident, and lively companions who bring endless joy to families, but as a small breed, they’re prone to certain health conditions that can lead to expensive vet bills. Luxating patella, heart murmurs, and hydrocephalus are just a few common concerns that could cost thousands to treat.
Pet insurance helps you focus on what matters most: your Chi’s health and happiness. Here’s everything you need to know about coverage options, costs, and why insurance makes sense for this beloved breed.
What does Chihuahua pet insurance cover?
A base Lemonade pet health insurance policy helps cover the costs of medication, tests, and treatments if your Chihuahua has an unexpected accident or illness (provided it’s not related to a pre-existing condition, and occurs after your policy’s waiting periods have ended).
Whether it’s an unexpected accident during play time or a breed-specific illness like Luxating patella, Chihuahuas benefit from comprehensive coverage that protects against life’s surprises.
Wellness care
Want to get money back for your Chi’s routine care? Our preventive packages reimburse you for the stuff you’re already doing, like annual checkups, vaccines, blood work, and other routine care that keep your pup healthy and happy.
Keep in mind, preventative care offerings might differ based on where you live. The easiest way to see what’s available? Get a free quote.
Extra coverage
You can also customize your Lemonade policy with optional add-ons like:
- Physical therapy: especially important for a breed prone to kneecap dislocation
- Visit fees
- Dental coverage: important for breeds prone to dental overcrowding and tooth loss
- Behavioral conditions: helpful for a breed that can develop anxiety and aggressive tendencies
- End-of-life and remembrance
These coverages help take a bite out of pricey treatments, services, and vet visits that Chihuahuas often need.
Is pet insurance worth it for Chihuahuas?
Taking care of any small breed gets expensive, and Chihuahuas can face costly breed-specific health issues throughout their 12 to 18-year lifespan. The good news? Lemonade pet parents are already saving serious money on vet bills.
Chihuahuas are particularly prone to kneecap dislocation, heart problems, and neurological conditions, which makes insurance even more valuable.
Check out how much other Chihuahua parents have saved with pet insurance below. Your savings could be even higher.
Common Chihuahua health conditions
Chihuahuas are amazing dogs, but they’re predisposed to certain health conditions that can get expensive to treat. Here are some of the most common claims we see for them, along with typical treatment costs:
| Condition | What is it? | Average treatment cost |
|---|---|---|
| Slipping Kneecap (Luxating Patella) | Kneecap slips out of place, causing limping | $500–$2,500 |
| Collapsing Trachea | Windpipe collapses; chronic cough | $400–$2,500 |
| Dental Disease (Tooth & Gum Problems) | Gum & tooth disease, possible extractions | $400–$1,500 |
| Ear Infections | Chronic or severe ear infections | $300–$800 |
| Obesity | Extra weight, leads to other health issues | $250–$800 |
| Low Blood Sugar (Hypoglycemia, esp. Toy Breeds) | Sudden weakness or collapse from low blood sugar | $300–$800 |
| Heart Valve Disease | Leaky heart valve; can lead to heart failure | $300–$1,200 |
| Seizure Disorders (Epilepsy) | Recurring seizures | $500–$2,500 |
| Cataracts | Clouding of the eye lens; vision loss | $2,000–$4,000 |
As a toy breed, Chihuahuas face having a delicate bone structure and tendency toward luxating patella and heart issues, which is why early coverage is important to protect their health and your wallet.
How much does pet insurance for Chihuahuas cost?
Your Chihuahua’s premium depends on a few key factors: Their age, your location, and the coverages you choose. Small breeds like Chihuahuas typically cost less to insure due to their smaller size, though breed-specific conditions like heart problems can require expensive treatment.
Here’s what other Chihuahua parents typically pay for Lemonade coverage:
| Age | Average monthly premium |
|---|---|
| 1 year old | $20-$25 |
| 2 years old | $20-$25 |
| 3 years old | $20-$25 |
| 4 years old | $25-$30 |
| 5 years old | $30-$35 |
| 6 years old | $30-$35 |
| 7 years old | $35-$40 |
How can I find the best pet insurance for my Chihuahua?
While we might be biased, Lemonade was really designed with pet parents in mind, especially those with breeds like Chihuahuas that need comprehensive coverage for joint care, heart monitoring, and dental maintenance.
Our customizable add-ons are perfect for Chihuahuas since you can tailor coverage for their specific risks like luxating patella and heart conditions.
Don’t believe us? Take a look at how we stack up against the competition.
Before we go…
Chihuahuas make incredible companions, but their tiny size and big personality requiring careful socialization can get expensive fast. Pet insurance helps you say “yes” to the best care without worrying about the vet bill, whether that’s treating luxating patella surgery, managing heart conditions, or handling an emergency.
Ready to protect your Chi? Get a personalized quote in as little as 90 seconds and see how affordable coverage can be for your Chihuahua.
Get to know your Chihuahua
Are Chihuahuas good with families and children?
Can be good with families, but better with older kids who understand gentle handling. Chihuahuas are loyal but can be nippy if scared or overwhelmed. They bond deeply with their family but need patient interactions.
What does a Chihuahua's grooming schedule look like?
Weekly brushing for smooth coats, daily for long-haired varieties. Minimal grooming needs overall. Regular nail trims are important since they don’t wear them down naturally, plus occasional baths and dental care.
Are Chihuahuas suitable for first-time dog owners?
Okay for first-time owners who want a tiny companion with huge personality. They’re portable and don’t need much space, but can be yappy and need consistent training to manage their bold attitudes.
Are Chihuahuas easy to train?
Moderately easy to train but can be stubborn. They’re smart but think they’re in charge, so gentle consistency works best. Housetraining takes patience, small bladders mean frequent breaks.
What activities do Chihuahuas usually enjoy?
Indoor play, short walks, and plenty of cuddle time. They love toy games, sunbathing, and being your personal shadow. Despite their size, they enjoy exploring and socializing when properly introduced.
*Lemonade Insurance analyzed policy rates of accident and illness policies to calculate average pet insurance premiums as of October, 2025. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances and additional coverages selected.