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Best Pet Insurance For Yorkies


Yorkshire Terriers have been a breed favorite in American households for decades. However, they are predisposed to many expensive health issues, including dental disease, intervertebral disc disease, patella luxation, and more. These conditions can cause worry for your Yorkie’s well-being but can also lead to significant financial burdens. Pet insurance can relieve some of these concerns by covering a portion of the vet bills.

I specialize in helping pet parents like you find the perfect insurance for your cherished pet. I provide personalized insights into potential health issues for Yorkshire Terriers and their associated costs. It’s important to note that pet insurance policies are not one-size-fits-all, and I will recommend the best insurer based on your dog’s specific needs.

Best Pet Insurance For Yorkshire Terriers

After conducting thorough research on pet insurance policies for Yorkshire Terriers, I have found the best policies available. These policies have been selected based on the dog’s age, premium price, coverage, specific health conditions, and other relevant criteria. 

Most Affordable Plans: Pets Best

pets best logo 250 transparent
  • Policy Options: Accident-Only, Accident & Illness, Wellness
  • Deductible Options: $50, $100, $200, $250, $500, $1,000
  • Annual Payout Options: $5,000, Unlimited
  • Reimbursement Options: 70%, 80%, 90%

Why I Picked Pets Best

Pets Best is a top choice for Yorkshire Terrier insurance, offering some of the most competitive rates in the market. Whether you’re looking for Accident-only coverage or a comprehensive accident and illness policy, Pets Best has you covered with a range of options to suit your needs. Featuring policies with a customizable deductible, reimbursement, and annual payout options, you can tailor your plan to fit your Yorkie’s necessities and your budget. The user-friendly interface makes it easy to find a plan that offers the perfect balance of affordability and coverage for your pooch.

ProsCons
Can reduce costs with accident-only coverageClaim processing averages 18-30 days, which is longer than others
Optional wellness coverage add-onExcludes alternative/holistic therapies
Customizable deductible, reimbursement, and annual payout options
Option to upgrade accident and illness plans for exam fees, rehab, acupuncture, and chiropractic coverage
No reduced coverage for older pets

Best For Yorkshire Terrier Puppies: Embrace

embrace pet insurance logo
  • Policy Options: Accident-Only, Accident & Illness, Wellness
  • Deductible Options: $100, $250, $500, $750, $1,000
  • Annual Payout Options: $5,000, $8,000, $10,000, $15,000, Unlimited
  • Reimbursement Options: 70%, 80%, 90%

Why I Picked Embrace

Embrace is a standout choice for insuring your Yorkie pup. They enroll puppies as young as six weeks old, making them one of the earliest in the industry. Their accident and illness policies are incredibly comprehensive, with very few exclusions. Moreover, all policies include $1,000 for annual dental illness coverage (essential for Yorkies due to their predisposed dental issues), exam fees, behavioral therapy, and alternative therapy without requiring add-ons. Embrace is a superior insurer if you want nose-to-tail coverage for your Yorkshire Terrier puppy.

ProsCons
Some of the lowest pricing for Yorkshire Terrier puppiesAccident-only coverage for dogs enrolled after their 15th birthday
10% multi-pet discount (the largest in the industry)Depending on age and location, some Yorkies are uninsurable
Your deductible decreases by $50 each year without a claim paymentWellness plans may not save much after premiums
Covers exam fees at no extra cost
Some of the best, comprehensive dental coverage

Best For Unlimited Payouts: Healthy Paws

healthy paws chubb logo 250 png
  • Policy Options: Accident & Illness
  • Deductible Options: $100, $250, $500, $750, $1,000
  • Annual Payout Options: Unlimited
  • Reimbursement Options: 50%, 60%, 70%, 80%, 90%

Why I Picked Healthy Paws

Healthy Paws offers unlimited annual payouts in all policies, ensuring you never have to worry about hitting a limit. When compared to other insurers with the same deductible, reimbursement, and unlimited payouts, Healthy Paws is often the more affordable option. This is particularly advantageous for Yorkshire Terrier owners, as this breed is prone to many costly health conditions. Choosing Healthy Paws is a wise decision for pet parents who seek the peace of mind of not encountering an annual cap on their coverage while being considerate of their budget.

ProsCons
Unlimited payouts for all plans Limited customization options based on your Yorkie’s age
Low prices for plans with unlimited payouts and comparable coverageExam fees excluded
Short claim processing average (2 days)

Best Value: Figo

figo logo 250 transparent
  • Policy Options: Accident & Illness, Wellness
  • Deductible Options: $100, $250, $500, $750
  • Annual Payout Options: $5,000, $10,000, Unlimited
  • Reimbursement Options: 70%, 80%, 90%, 100%

Why I Picked Figo

Figo offers extensive coverage at affordable prices, with customizable plans to fit your needs and budget. You can even add wellness plans for extra coverage. Figo’s coverage includes conditions often excluded by other pet insurers, such as behavioral therapies, alternative therapies, and C-sections. With excellent customer service and fast claim processing, Figo is a fantastic choice for Yorkshire Terrier owners.

ProsCons
Customize your plan with various deductible, reimbursement, and payout optionsExam fee coverage costs extra
5% multi-pet discount
Accident waiting period is only 1 day
Diminishing deductible for each year a policyholder is claim-free, decreasing by $50 until it is $0
Behavioral therapies and alternative therapies are included in coverage

Best Customizable Plans: Lemonade

lemonade logo 250 transparent
  • Policy Options: Accident & Illness, Wellness
  • Deductible Options: $100, $250, $500
  • Annual Payout Options: $5,000, $10,000, $20,000, $50,000, $100,000
  • Reimbursement Options: 70%, 80%, 90%

Lemonade Pet Insurance Is NOT Available In: AK, AZ, DE, HI, ID, KS, KY, LA, ME, MN, MT, WV, WY

Why I Picked Lemonade

Lemonade, one of the most affordable insurers, offers a variety of deductible, reimbursement, and annual payout limit options. It also provides several add-ons for vet visit fees, physical therapy, dental illness, end-of-life, and preventative care. Customizing a plan that fits your Yorkie’s needs and your budget is a breeze with Lemonade. Despite being a newcomer to the pet insurance market since 2020, if the product’s newness doesn’t bother you, Lemonade could be a good fit for your Yorkshire Terrier.

ProsCons
Customize your plan to fit your budget and needs with add-ons and deductible, reimbursement, and payout choicesUnavailable in 13 states
5% multi-pet discountItems covered by other providers must be purchased as add-ons, which can increase the cost where others are more affordable
Claim processing averages 2 days
Among the lowest prices in the Yorkie quotes I ran

Best For Bilateral Conditions: Trupanion

trupanion logo 250 transparent
  • Policy Options: Accident & Illness
  • Deductible Options: $0 – $1,000 (in $5 increments)
  • Annual Payout Options: Unlimited
  • Reimbursement Options: 50%, 60%, 70%, 80%, 90%, 100%

Why I Picked Trupanion

Trupanion’s policies do not have bilateral exclusions, which are conditions or diseases that could affect both sides of the body. This is important for breeds like Yorkshire Terriers, which are prone to bilateral conditions such as patella luxation. Many pet insurance providers have bilateral exclusions, meaning that if your Yorkie is diagnosed with luxating patella on the left side before the policy’s effective date, it would be excluded on the right side. These bilateral conditions can be very expensive, but with Trupanion’s coverage, you can save a significant amount of money, providing you with relief from potentially high costs.

ProsCons
Unlimited payouts for all plansNo coverage for exam fees
Trupanion can pay your vet directly to avoid waiting for reimbursementConsistently more expensive for Yorkies than other insurers
$0 deductible and 100% reimbursement available in some states
Covers pre-existing bilateral conditions for the other side of the body

What Type Of Pet Insurance Plan Is Best For Yorkshire Terriers?

Sick small dog under blanket.

There are generally two types of pet insurance plans available: accident-only and accident and illness. Some insurers may offer optional wellness plans for an additional fee. It’s important to note that these wellness plans are not insurance products. However, they are sometimes offered during enrollment, so I include them here to provide information regarding options for your Yorkie.

What Are Accident-Only Pet Insurance Plans?

Accident-only plans cover the cost of emergencies resulting from accidents and injuries. Examples include broken bones, bite wounds, cranial cruciate ligament tears, and eye trauma. These plans are strictly for emergencies and do not cover illnesses. However, not all insurance companies offer accident-only plans.

Pricing Tip – They are generally more affordable than accident and illness plans.

What Are Accident & Illness Pet Insurance Plans?

Accident and illness plans are designed to cover both injuries and disease-related conditions. They encompass injuries caused by foreign body ingestion, poisoning, and other emergencies listed in the accident-only plans. Moreover, they extend their protection to diseases such as allergies, ear infections, diarrhea, heart disease, and more. If you’re looking for a comprehensive plan for your Yorkie, accident and illness plans are more thorough.

What Are Wellness Plans?

Wellness policies, available as add-ons or standalone products, offer coverage for preventative-related items such as annual exams, vaccinations, dental cleanings, spay/neuter procedures, and more. By choosing wellness coverage, you can budget for routine procedures, taking a proactive stance in maintaining your Yorkshire Terrier’s health and preventing illnesses. Yorkie parents who opt for wellness coverage tend to take advantage of the additional preventative items that can benefit the dog’s overall health. Remember, wellness plans are not pet insurance and do not assist with costs related to accidents or illnesses.

What Does Pet Insurance Cover & Exclude?

Pet insurance coverage can vary based on the policy type and the company you choose. However, most accident and illness pet insurance plans cover the following items when deemed medically necessary. It’s important to note that this coverage may have limitations, so it’s crucial to carefully review your policy.

CoveredExcluded
Blood testsBoarding
Cancer (chemo & radiation)Cremation & burial costs
CT scansElective procedures (e.g., declawing, ear cropping, spaying/neutering, tail docking, etc.)
Chronic conditionsFood & supplements
Congenital conditionsGrooming
Emergency vet carePre-existing conditions*
EuthanasiaPregnancy & breeding
Hereditary conditionsVaccines
MRIs
Non-routine dental treatment
Prescription medications
Rehabilitation
Specialized exams & care
Surgery & hospitalization
Ultrasounds
X-rays
*Pet insurance providers may classify pre-existing conditions as “curable,” but this varies by plan, so check your policy carefully.

What Determines The Cost Of Pet Insurance For Yorkshire Terriers?

Black and tan yorkie sitting on sidewalk

Pet insurance pricing can be complex and influenced by many factors, including your Yorkshire Terrier’s age, location, and more. To simplify, here’s a general overview:

  • Age plays a significant role in pet insurance pricing. Insuring younger Yorkies, who are generally less likely to experience an accident or illness, can be more affordable than insuring older Yorkies.
  • Purebreds, like Yorkshire Terriers, incur more health problems than mixed breeds, resulting in purebreds being more expensive than mixed breeds to insure
  • Males require higher doses of medication, bigger medical equipment, and additional medical supplies than females because they are larger. This can result in males being more expensive than females to insure by some providers
  • The cost of supplies, office space, staff, etc., directly correlates to the cost of vet care. If the cost of living is high in your area, then it’s important to be aware that your pet insurance premium and vet bills may be higher, too.

Keep in mind that while certain factors may appear to be unchangeable, you have the ability to influence your pet insurance plan. Although you cannot alter your Yorkie’s age, gender, or location (well, you can change where you live, but this won’t be the only factor affecting your premium), you do have control over your plan. This control lets you effectively manage the costs of your Yorkshire Terrier’s pet insurance.

Plan Details & Coverage Matter

Choosing between accident-only and accident and illness pet insurance policies, as well as the maximum payout, deductible, and reimbursement percentage, will all impact your premium.

What Is The Maximum Payout & Why Does It Matter?

There are two types of payouts: annual and lifetime. An annual payout is the maximum amount the insurance company will reimburse during the policy period. A lifetime payout is the highest amount the insurer will reimburse over the pet’s insured lifetime. Most pet insurers have annual payouts, the most common of which are $5,000, $10,000, and unlimited.

Pricing Tip – Carefully consider the maximum payout, as it impacts your premium. Lower payouts mean lower premiums, but they also result in more expenses if your Yorkie requires expensive vet treatment.

Is The Deductible Annual Or Per-Incident?

The deductible is an important part of pet insurance because it’s the amount you have to pay before the insurance company starts covering the costs. The most common deductible amounts are $100, $250, and $500.

An annual deductible means you only have to pay it once per policy period. This makes it easier to budget for because you know you’ll only need to meet the deductible once during the year. Most pet insurance companies use annual deductibles.

On the other hand, a per-incident deductible means you have to pay it each time your pet has a new medical issue. This can have different cost implications. If your Yorkie has multiple health issues, a policy with a per-incident deductible can be more expensive. However, if your dog has a chronic condition, you’ll only have to pay the deductible for that condition once over the pet’s insured lifetime, which could reduce long-term costs.

Pricing Tip – A policy with a higher deductible often results in a lower monthly premium.

What’s The Reimbursement Percentage?

The reimbursement percentage represents the portion of your medical expenses covered by your insurance after meeting your deductible. Common percentages include 70%, 80%, and 90%. Your copay is your responsibility – the remaining percentage is not covered. For example, with an 80% reimbursement, you are only responsible for 20% of the total medical expenses after meeting the deductible.

Pricing Tip – Choosing a lower reimbursement percentage results in a lower premium.

How Much Is Pet Insurance For A Yorkshire Terrier?

Yorkie puppies growing in size

To ensure you get the best price for pet insurance for your Yorkshire Terrier, input your zip code and your dog’s details below. We’ll then supply you personalized insurance quotes from numerous providers tailored to your Yorkie. While reviewing sample insurance costs for Yorkies from different parts of the U.S. can be informative, it’s crucial to remember that your dog’s insurance cost may vary based on their specific needs.

According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. is $53.34 ($32.25 for cats).

Here is a sample comparison of pet insurance policies and their monthly premiums for various Yorkshire Terriers from some of the top pet insurance companies.

I chose coverage levels based on the most widely available for insurers. I used a $500 deductible, $5,000 annual coverage, and 90% reimbursement for basic accident and illness plans with no add-ons. I noted exceptions where these amounts weren’t available from insurers.
*80% reimbursement; †50% reimbursement and $1,000 deductible (no other options); ‡$0 deductible; §Unlimited annual payouts

Yorkshire Terrier Insurance Cost: Lowest & Highest Amounts

I have compiled a list of the minimum and maximum monthly costs for Yorkshire Terrier pet insurance from each insurer below (excluding wellness plans). I have included two different ages to demonstrate how the costs vary based on the enrollment age.

Company2mo old 95818
(Sacramento, CA)
5yr old 95818 (Sacramento, CA)2mo old
14211 (Buffalo, NY)
5yr old
14211 (Buffalo, NY)
2mo old
33604 (Tampa, FL)
5yr old
33604 (Tampa, FL)
2mo old
79404
(Lubbock, TX)
5yr old
79404
(Lubbock, TX)
2mo old
07108 (Newark, NJ)
5yr old
07108 (Newark, NJ)
pets best logo 250 transparent$13-$80.79$16.42-$102$8.55-$54.40$10.80-$68.68$10.89-$69.20$12.60-$80.01$9.87-$56.07$11.42-$64.83$8.58-$54.01$10.83-$68.18
fetch logo 250 transparent$25.11-$61.74$26.71-$66.05$23.27-$48.36$39.12-$85.99$22.46-$49.19$38.42-$87.06$21.66-$32.35$25.97-$54.77$23.50-$48.90$38.66-$84.90
healthy paws logo 250 transparent$18.87-$48.15$27.43-$54.42$19.27-$33.19Uninsurable$31.21-$59.10$50.44-$102.37$20.37-$43.18$29.65-$39.04$21.30-$36.07$30.97-$40.75
embrace logo transparent 200 png$13.22-$104.07Uninsurable$15.65-$96.96$16.01-$99.19$12.41-$58.04$16.13-$75.46$11.65-$54.51$15.27-$71.41$16.56-$77.46$21.69-$101.48
figo logo 250 transparent$15.41-$90.69$20.03-$117.85$11.21-$85.06$14.59-$110.55$9.27-$70.32$13.45-$102.01$7.70-$58.29$11.14-$84.53$16.04-$103.85$20.84-$134.95
lemonade logo 250 transparent$13.12-$99.93$16.53-$120.71$15.43-$90.07$16.68-$96.02$11-$67.02$12.45-$84.19$13.32-$68.59$14.02-$72.99$13.90-$77.12$15.45-$83.86
trupanion logo 250 transparent$35.60-$163.01$59.14-$287.28$37.48-$172.95$62.25-$303.67$71.60-$132.59$153.07-$283.46$31.79-$122.17$59.25-$249.66$39.57-$195.16$77.02-$405.68
The states chosen were based on the top five states with the most insured pets and highest gross written premiums for pet insurance, according to NAPHIA. The cities chosen were based on the most pet-friendly cities in the most popular states above, according to WalletHub.

How Does Pet Insurance For Yorkshire Terriers Work?

Yorkie at the vet.

Pet insurance helps cover the cost of veterinary treatment for your insured Yorkie’s condition. Before coverage kicks in, you’ll need to wait for the waiting periods to be over. Then, your reimbursement depends on your plan’s maximum payout, deductible, and reimbursement percentage (which I will explain further below). Fortunately, using pet insurance is very simple.

  1. Take your Yorkshire Terrier to the vet and pay the bill at the time of service.
  2. Submit a completed claim form and an itemized receipt to your insurance company. Some companies require a signature from your vet, so it is wise to take a printed copy of your claim form to your visit.
  3. Once the claim is approved, the insurance company will send your reimbursement* via your chosen payment method (check, direct deposit, etc.).

*The reimbursement timeline and amount can vary from a few minutes to a few weeks, depending on the complexity of your claim and plan details. 

What Are Waiting Periods For Yorkshire Terrier Pet Insurance?

The waiting period is the time between enrolling in a pet insurance policy and when the coverage begins. Each pet insurance provider has different waiting periods, but typically, there are waiting periods for accidents (usually 0 to 15 days) and illnesses (usually 14 days). However, some companies may require additional waiting periods (up to one year) for orthopedic conditions like patellar luxation, to which Yorkshire Terriers are prone.

*Waiting periods for California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, and Washington are as follows:

  • Accidents – 0 days
  • Illnesses – 14 days
  • Cruciate Ligament Conditions – 30 days
  • Routine Care – 0 days

What Are Common Health Issues For Yorkshire Terriers?

Here are some of the most common health issues diagnosed in Yorkies, along with their potential costs.

  • Allergies are chronic conditions that can require various treatment options depending on their severity. Allergy testing, shots, medication, specialty diets, creams, and more can cost hundreds of dollars annually.
  • Cushing’s disease occurs when excess cortisol is produced. Management typically includes medication and diet changes. Diagnosis can be costly, ranging from $500 to $1,500 on average, and medication can be $50 to $200 per month.
  • Dental disease is an issue for toy breeds like Yorkies because of their smaller mouths, which cause their teeth to be more confined. This can lead to gum disease and decay. Establishing a dental cleaning routine is crucial to help prevent gum disease, costing over $1,000.
  • Eye issues, such as progressive retinal atrophy (PRA), lens luxation, distichiasis, and dry eye, are commonly diagnosed in Yorkies. Diagnosing these conditions can be costly; some conditions can be treated with surgery and medication. Unfortunately, there is no cure for PRA and dry eye. Surgery for lens luxation can range from $500-$3,000 per eye, and distichiasis surgery costs between $1,500-$2,000 on average.
  • Hypoglycemia occurs when blood sugar levels drop. Diagnosis and treatment can include blood glucose tests, bloodwork, imaging, oral liquid glucose administration, and IV fluids. Depending on the underlying conditions, the cost can range from $80 to $8,000.
  • Intervertebral Disc Disease (IVDD) occurs when the discs between a dog’s vertebrae move into the spinal canal. Diagnosing and treating IVDD can include X-rays, CT, MRI, medication, surgery, frequent vet visits, alternative therapy, hospital stays, and more. You could face $3,000 to $8,000 in vet bills.
  • Legg-Calve-Perthes disease is common in smaller dogs like Yorkies. It occurs when the head of the femur bone begins to deteriorate, which can cause the hip joint to collapse and chronic arthritis. Surgery is typically required, and it can cost $1,000 to $3,000 per hip joint.
  • Patella luxation is a condition in which the kneecap doesn’t sit correctly and can slip out of place. If it happens once, it’s likely to happen again. Surgery is often needed to prevent recurring issues, and it can cost between $1,500 and $3,000 per knee.
  • A portosystemic shunt (liver shunt) is a congenital condition where an abnormal blood vessel prevents the liver from removing toxins by completely bypassing it, which can be fatal. In many cases, surgery is required to immediately treat the disease. The cost of surgery to clamp a single and straightforward shunt (there can be multiple and more complicated shunts) can cost between $2,000 and $3,000. Depending on how complex your Yorkie’s condition is, surgery can cost well above $10,000.
  • Tracheal collapse is the weakening of the tracheal cartilage. Diagnosis alone can range between $500 and $2,000, and surgery to strengthen the windpipe can add between $2,000 and $5,000 to the final bill. Using a high-quality dog harness rather than a neck lead can help prevent this problem.
  • Urinary stones are a type of bladder stone (calcium oxalate stone) that form when mineral levels in the urine are higher. Depending on the number and size, the stones can be removed surgically or non-surgically, but the estimated cost can be up to $3,000.
  • Von Willebrand disease is an inherited blood disorder that results in inadequate production of von Willebrand factor, leading to excessive bleeding in dogs. Treatment may include blood transfusions, surgery (between $800 and $1,500), or administration of a synthetic hormone to temporarily boost VWF levels.

Is Pet Insurance Worth It For Yorkshire Terriers?

Yorkshire Terriers are a cherished breed; however, they are prone to several health issues. Given these potential health challenges, Yorkie owners are strongly advised to consider acquiring pet insurance. Securing pet insurance can help your purebred Yorkie receive the medical care and attention required for a longer and healthier life.

5 Steps To Find The Best Pet Insurance For Yorkshire Terriers

When on the hunt for pet insurance for your Yorkshire Terrier, it’s vital to remember that this breed typically lives for 14 to 16 years. Opting for an insurance plan that adequately addresses your dog’s current and future potential needs is of utmost importance. Here are some key factors to bear in mind when selecting the best insurance plan for your furry companion.

  1. Learn about the insurance companies’ reputations. Companies with years of experience are more stable than brand-new insurers.
  2. Consider the health issues Yorkshire Terriers are predisposed to and know the terms associated with coverage for those conditions.
  3. Decide if you want accident-only or accident and illness coverage.
  4. Know how a claim reimbursement occurs and the average processing time.
  5. Get pet insurance quotes from at least three companies to compare pricing.

Methodology

To determine the best pet insurance for Yorkshire Terriers, we analyzed more than 40 pet U.S. insurance companies to provide an unbiased breakdown of how providers compare against one another. Our in-depth research includes:

  • running thousands of price quotes
  • reading hundreds of customer reviews
  • scrutinizing every policy from top to bottom and reading all the fine print
  • scoping out the purchase process
  • speaking with customer service representatives
  • having firsthand experience submitting claims with companies
  • comparing plan customization details
  • examining how long it takes to receive reimbursement
  • factoring in company history and years in the pet insurance marketplace
  • meeting with company representatives to discuss changes related to the industry, their company, and their offerings
  • requiring national experience for companies

Unlike many other review sites, we refuse to let pet insurance companies pay for the top spot in our rankings. Companies must earn their position in our comparisons by performing well in the marketplace. We also point out each company’s pros and cons in light of their competitor’s strengths. In doing so for over a decade, we’ve helped pet parents make more educated decisions among the top pet insurance options. Pet insurance providers read our reviews, regularly check them for accuracy, and value our input to help create positive industry changes and better protect your pets. We only recommend the best of the best because it’s what our readers deserve.

Additional Pet Insurance Resources

Why Trust Canine Journal?

Canine Journal has been covering the topic of pet insurance since 2012, well before other conglomerates discovered the rising popularity of health care for our pets. Many of our authors have personal experience with pet insurance, including Kimberly Alt, who has been Canine Journal’s go-to writer for pet insurance for over a decade, having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head, she can find it within minutes due to her vast list of resources. Kimberly also has extensive knowledge of dog health conditions, which can help her recommend pet insurance providers to pet owners with specific breeds. 

Kimberly also consulted with Michelle Schenker, Canine Journal’s in-house licensed insurance agent, for additional expertise, to ensure accuracy, and give Canine Journal the authority to write about and assist readers in purchasing policies legally.