low cost pet insurance

11 Low Cost Pet Insurance: Best Options for Shih Tzu in 2023

Pet care shouldn’t break the bank. Discover low cost pet insurance options for your cherished companion.

The Importance of Pet Insurance for Shih Tzus

Shih Tzus are cute, playful, and loyal dogs that make great companions. They are also prone to a number of health issues, including dental problems, eye infections, breathing difficulties, and joint issues. As a Shih Tzu owner, you want to provide the best possible care for your furry friend. This is where pet insurance comes in. Pet insurance can help cover the cost of unexpected veterinary bills. This can include emergency visits and surgeries, as well as routine check-ups and preventative care. By investing in pet insurance for your Shih Tzu, you can have peace of mind knowing that you won’t have to choose between your beloved pet’s health and your finances.

Overview of 11 Best Low-Cost Pet Insurance Options

There are many pet insurance providers on the market today, each offering different levels of coverage at varying price points. To help you find the best low-cost options for your Shih Tzu’s needs and budget, we’ve researched and compiled a list of 11 top-rated providers. Our list includes both traditional pet insurance companies as well as newer online providers that offer customizable plans with lower premiums. These options were chosen based on their affordability compared to other plans on the market while still providing comprehensive coverage. Some factors we considered when compiling this list include monthly premiums, deductibles and co-pays per visit or incident; what services were covered; customer service ratings; online resources available (such as live chat support); pre-existing conditions clauses (if any); discount programs or rewards programs for good behavior/training success; wellness add-ons like flea/tick prevention or dental cleanings; accident/illness coverage limits if any. In the following sections, we’ll provide detailed information about the top five low-cost pet insurance providers as well as alternative options to consider. These providers were chosen based on their reputation, coverage options, and customer reviews. We hope this guide helps you make an informed decision and provides the best possible care for your furry friend.

Top 5 Low-Cost Pet Insurance Providers

When it comes to protecting your furry friend, you want to make sure you choose a pet insurance provider that offers the best coverage for your budget. Here are the top five low-cost pet insurance providers that can help keep your Shih Tzu healthy and happy:

Healthy Paws

If you’re looking for comprehensive coverage, then Healthy Paws might be the right choice for you. With an A+ rating from the Better Business Bureau and thousands of positive reviews from customers, this provider offers unlimited annual benefits with no caps on payouts. The monthly premiums start at $20 for dogs and $10 for cats, with annual deductibles ranging from $100 to $500. Healthy Paws also covers alternative therapies such as acupuncture and hydrotherapy at no extra cost. If you’re ever in need of emergency medical care, Healthy Paws will cover up to 90% of the costs. You can also customize your plan by choosing a percentage deductible that works best for your budget.

Embrace Pet Insurance

Embrace Pet Insurance provides customizable policies that allow you to choose the coverage and deductibles that fit your needs. With an A+ rating from the Better Business Bureau and great customer reviews, Embrace is known for its outstanding customer service. The monthly premiums start as low as $13 per month depending on your location, breed of dog or cat, and age of your furry friend. Embrace offers full coverage options including wellness rewards plans where they reimburse routine care expenses like vaccinations or grooming costs. The company also covers alternative treatments such as chiropractic care or acupuncture if prescribed by a licensed veterinarian.

Figo Pet Insurance

Figo provides a simple and easy-to-understand insurance policy that covers x-rays, surgeries, hospitalization, and even prescription medications. The company has an A rating from the Better Business Bureau and offers a 100% reimbursement option. The monthly premiums start at $16 for dogs and $13 for cats, with a deductible ranging from $50 to $500. Figo also offers reimbursement for behavioral therapies that can help your furry friend overcome anxiety or aggression issues. If you’re traveling with your pet, Figo will cover emergency medical expenses outside of the United States.

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance provides coverage options for accidents, illnesses, and preventative care services such as vaccinations and spaying/neutering procedures. With an A+ rating from the Better Business Bureau, this provider also offers a 10% discount on multi-pet plans. The monthly premiums start at $10 depending on your location, breed of dog or cat, age of your furry friend and coverage you choose. ASPCA covers alternative therapies like acupuncture to treat any health issue including cancer which is rare in some breeds but common in others like Golden Retrievers. Additionally ASPCA supports the ASPCA Animal Poison Control Center (APCC) which will guide you to take quick action if you suspect that your Shih Tzu has ingested something toxic.

Nationwide Pet Insurance

Nationwide Pet Insurance has been providing pet insurance policies since 1982. With an A+ rating from the Better Business Bureau they offer extensive coverage options such as wellness exams or preventive care services like dental cleaning or heartworm tests. Their monthly premiums start at around $12 depending upon where you live and how much coverage you want to purchase. You can customize your policy by choosing different deductibles ranging from $250 to $1,000 per year. Nationwide also covers pre-existing conditions and hereditary problems which are common in some breeds including Shih Tzus. They also offer a 24/7 vet helpline so you can get expert advice on your pet’s health issues. These top five low-cost pet insurance providers can help ensure that your Shih Tzu is protected when it comes to unexpected medical expenses. Be sure to compare their plans and choose the one that best suits your budget and coverage needs.

Alternative Low-Cost Pet Insurance Providers

When it comes to finding affordable pet insurance for your Shih Tzu, there are plenty of options beyond the big-name providers. From newer startups to long-standing organizations, here are six alternative low-cost pet insurance providers worth considering.


Lemonade is a digital insurance company that has recently expanded into the pet insurance market. Their policies cover accidents and illnesses, but they don’t offer routine care coverage. Monthly premiums start at $12 per month and deductibles can range from $100 to $1,000. One unique feature of Lemonade is their Giveback program – any unused premium money is donated to animal welfare organizations.


Trupanion is a popular provider that offers customizable policies with no payout limits or maximums on claims. They cover both accidents and illnesses, as well as hereditary conditions. Monthly premiums can vary widely based on your chosen deductible amount and coverage limits, but generally start around $30 per month.

Pets Best

Pets Best offers a variety of plans including accident-only and comprehensive coverage options for dogs and cats. Their monthly premiums start at around $20 per month with deductibles ranging from $50 to $1,000. One standout feature of Pets Best is their “Routine Care” add-on option which covers preventative treatments like vaccinations and flea medication.

Spot Pet Insurance

Spot Pet Insurance offers accident-only coverage starting at just over $6 per month for dogs ages 8 weeks to 14 years old. They also have comprehensive plans that cover both accidents and illnesses starting at around $22 per month for younger dogs with low deductibles.

AKC Pet Insurance

The American Kennel Club (AKC) offers its own pet insurance plans with a focus on purebred dogs. Their coverage includes accidents, illnesses, and hereditary conditions, with monthly premiums starting at around $10. They also offer a wellness plan that covers routine care for an additional fee.

Prudent Pet

Prudent Pet offers customizable accident and illness policies as well as routine care coverage for an added fee. Monthly premiums start at around $10 per month with deductibles ranging from $100 to $1,000. What sets Prudent Pet apart is their “Pet Injury Protection” add-on option which covers accidental injuries like broken bones and snake bites.

Compare Coverage Options Carefully

While these low-cost pet insurance providers can be great options for budget-conscious pet owners, it’s important to carefully compare the coverage options of each policy before making a decision. Make sure you understand what is and isn’t covered in the policy, any exclusions or waiting periods for pre-existing conditions, how claims are processed and paid out, and any deductibles or co-pays associated with the policy. It’s also a good idea to read reviews from other pet owners who have used these providers to get an idea of how their customer service stacks up in real-world scenarios. Taking the time to do your homework upfront can help ensure you find a low-cost pet insurance provider that meets your Shih Tzu’s needs without breaking the bank.

Factors to Consider When Choosing a Low-Cost Pet Insurance Provider for Your Shih Tzu

Coverage Limits

First and foremost, you need to consider the coverage limit of the pet insurance plan. The coverage limit is the maximum amount of money that the insurance provider will pay out for your pet’s medical expenses. Every provider has different limits, so it’s important to find one that fits your budget and your Shih Tzu’s needs. When deciding on a coverage limit, think about potential future medical expenses that your pet may incur. Shih Tzus are prone to certain health issues such as respiratory problems and eye conditions, so it’s important to make sure they’re covered for these potential issues. Additionally, consider if you want coverage for routine check-ups and preventative care as well.


Most pet insurance providers have exclusions in their policies – these are specific conditions or treatments that are not covered by the plan. It’s crucial to read through these exclusions before choosing a provider so you know what will and won’t be covered in case of an emergency. Some common exclusions include pre-existing conditions (which we’ll discuss more below), cosmetic procedures such as tail docking or ear cropping, and behavioral problems. Make sure you understand all of the exclusions before agreeing to any plan.

Pre-Existing Conditions

A pre-existing condition is any injury or illness that your pet had prior to signing up for pet insurance. Many providers will not cover pre-existing conditions at all, while others may offer limited coverage after a waiting period. If your Shih Tzu has any pre-existing conditions, it’s important to communicate this with potential providers upfront. You don’t want to end up paying for a policy only to find out later on that it doesn’t cover something related to their pre-existing condition.

Customer Service

The customer service provided by the pet insurance provider is an important factor to consider. In case of an emergency, you want to be able to easily file a claim and get your pet the care they need without any unnecessary delays or complications. Look for providers that have 24/7 customer service availability and easy-to-use online portals for submitting claims. Additionally, read reviews from other pet owners to get a sense of their experiences with each provider’s customer service. Good communication and ease of use can make all the difference when it comes to getting your Shih Tzu the care they need.

Conclusion: Protect Your Shih Tzu’s Health with Low-Cost Pet Insurance

Pet insurance is a crucial aspect of ensuring the well-being of your furry friend, especially for Shih Tzus that are prone to specific health issues. Investing in low-cost pet insurance ensures that you can provide your Shih Tzu with the care they need without worrying about the cost. The 11 best low-cost pet insurance options we have listed provide extensive coverage at affordable rates, with each provider offering different benefits and features. From Healthy Paws to Prudent Pet, these providers offer a range of options for every budget and need. Remember to consider factors such as coverage limits, exclusions, pre-existing conditions, and customer service when choosing a provider. It is also important to read through the policy details carefully and understand what is covered and what is not. By choosing one of these low-cost pet insurance providers or any other that suits your needs, you can have peace of mind knowing that your beloved Shih Tzu will receive the necessary medical attention without breaking the bank. Protecting your Shih Tzu’s health should be a top priority for any owner. With affordable pet insurance options available today, there’s no reason why you shouldn’t invest in one for them. By doing so, you’re not only ensuring their well-being but also giving yourself peace of mind knowing that you’re prepared for any unexpected health emergencies or accidents that may arise in the future.

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