If you’ve got a Shih Tzu, you already know they’re more than pets—they’re family. But their adorable features come with some unique health challenges. That’s why finding the best pet insurance for your Shih Tzu isn’t just smart—it’s essential. In this guide, we’ll break down the top options and help you protect your little companion’s health and your wallet.
Why Shih Tzus Need Specialized Pet Insurance
Shih Tzus are prone to specific health issues due to their brachycephalic (flat-faced) structure and genetic predispositions. These include:
- Brachycephalic airway syndrome – difficulty breathing can lead to surgeries and ongoing care
- Eye problems – including dry eye, corneal ulcers, and cataracts
- Dental issues – overcrowded teeth increase the risk of periodontal disease
- Luxating patella – a common orthopedic issue requiring surgery in severe cases
- Skin allergies – ongoing medication and vet visits are often required
Insurance plans that cover hereditary and breed-specific conditions are crucial for managing these risks cost-effectively.
Top Pet Insurance Options for Shih Tzu Owners
1. Healthy Paws – Best Overall Coverage
Quick Answer: Healthy Paws is ideal for comprehensive, long-term coverage due to its unlimited payouts and simple claims process.
- Unlimited lifetime benefits – no caps on claims per year or per condition
- Covers hereditary conditions – including respiratory, joint, and eye issues
- Quick claims turnaround – most processed within 48 hours
- High reimbursement rates – choose from 70%, 80%, or 90%
If you want peace of mind with a reputable provider that won’t limit your coverage when your Shih Tzu needs it most, Healthy Paws stands out.
2. Fetch by The Dodo – Best for Dental & Breed-Specific Coverage
Quick Answer: Fetch is the go-to for dental illnesses and breed-specific issues like brachycephalic complications.
- Comprehensive dental coverage – including illness-related tooth issues
- Covers exam fees – for sick visits and follow-ups
- Protects against hereditary conditions – crucial for flat-faced breeds
- Customizable plans – with coverage limits from $5,000 to $15,000
Fetch is a smart pick if your Shih Tzu has already shown early signs of dental trouble or breed-specific health quirks.
3. Lemonade – Best for Puppies
Quick Answer: Lemonade offers affordable, fast-coverage plans perfect for young Shih Tzus who haven’t developed chronic conditions yet.
- Affordable premiums – average around $18/month
- Quick processing – AI-driven platform makes claims fast
- Wellness add-ons – cover vaccines, checkups, and flea control
- Two-day accident coverage waiting period – great for active puppies
Start your Shih Tzu puppy off right by enrolling early—this prevents exclusions from pre-existing issues later on.
4. Pumpkin – Best for Older Shih Tzus
Quick Answer: Pumpkin covers dogs of all ages and includes wellness options, making it ideal for aging Shih Tzus.
- No upper age limit – great for older dogs who still need care
- Coverage includes hereditary conditions – even if diagnosed later in life
- Offers dental and wellness plans – useful for ongoing care
- Multi-pet discount – save if you have more than one dog
Pumpkin gives older Shih Tzus the coverage they need without age restrictions that some other plans impose.
5. Pets Best – Best Budget Option
Quick Answer: Pets Best is a wallet-friendly choice that still provides broad accident and illness coverage.
- Plans start as low as $9/month – depending on coverage limits
- Customizable coverage – choose deductibles, payout limits, and reimbursement levels
- Includes behavioral coverage – helpful if your Shih Tzu has anxiety or reactivity
Pets Best is ideal if you want solid insurance without breaking the bank. Great for emergencies and unexpected vet visits.
6. Trupanion – Best for Direct Vet Payments
Quick Answer: Trupanion pays your vet directly, avoiding reimbursement delays and financial strain during emergencies.
- VetDirect Pay™ – no out-of-pocket expenses at participating vets
- Unlimited lifetime coverage – for accidents, illnesses, and hereditary conditions
- Includes dental, orthopedic, and allergy treatment
If you want hassle-free financial logistics during a vet emergency, Trupanion is your best bet.
Comparison Table: Best Insurance for Shih Tzus
| Provider | Best For | Avg Monthly Premium | Key Feature |
|---|---|---|---|
| Healthy Paws | Comprehensive coverage | $25–$45 | Unlimited lifetime benefits |
| Fetch | Dental and breed-specific issues | ~$28 | Covers hereditary & dental illnesses |
| Lemonade | Puppies & affordability | ~$18 | Fast claims & low-cost plans |
| Pumpkin | Older Shih Tzus | Varies | No age limit, wellness add-ons |
| Pets Best | Budget-conscious owners | $9–$30 | Flexible, affordable plans |
| Trupanion | Direct vet payments | $35–$60 | VetDirect Pay™, no caps |
Protect Their Health—Train Their Brain
Pet insurance covers their body, but what about their mind? Shih Tzus thrive on mental stimulation and consistent training. That’s why we recommend:
- Brain Training for Dogs – an engaging, scientifically-backed program that boosts obedience, reduces anxiety, and strengthens your bond with your pup.
- Solve Dog Reactivity AutoWebinar – if your Shih Tzu reacts to other dogs or loud noises, this step-by-step training can calm their nerves and boost confidence.
Training is more than obedience—it’s essential enrichment. Pair the right insurance with proactive brainwork, and your Shih Tzu will flourish.
Conclusion
Your Shih Tzu deserves the best—whether it’s quality health care or mental stimulation. With the right insurance, you can handle surprise vet visits without breaking the bank. Healthy Paws, Fetch, Lemonade, and others all offer strong plans depending on your budget and your dog’s life stage.
But don’t stop at coverage—unlock their full potential with smart training. Start today with the Brain Training for Dogs program and help your pup overcome behavioral challenges with the Solve Dog Reactivity AutoWebinar.
Give your Shih Tzu the gift of total wellness—inside and out.