Your Chow Chow may look as cute as an Ewok from Star Wars, but that cute furry appearance, unfortunately, won’t save him from unexpected accidents or illnesses. The cost of medical care for our pets can add up quickly and be overwhelming. Help is available by finding the right pet insurance to ease the financial burden of the sudden medical emergencies that can face your Chow Chow. This is where we come in, as we’ve done the research and have found the best pet insurance options for you and your handsome Chow Chow.
Table of Contents
5 Best Pet Insurance for Chow Chows (2025 Reviews)
5 Top Pet Insurance Companies Compared for Chow Chows
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1
Best overall
![Lemonade]()
4.9Our scoreAverage price for
Chow Chows $31/moReimbursement amount 90%Annual benefit $20,000Lemonade features the overall best Chow Chows pet insurance plan at the most competitive rates
Claims can be paid in under 60 seconds via their world-class app. I was blown away by how quickly they approved my claim and how much they paid
Lemonade is a certified B-corp that donates a significant portion of their unclaimed premiums to pet parents’ preferred non-profit organizations
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2
Best for wellness
![Wagmo]()
4.7Our scoreAverage price for
Chow Chows $58.52/moReimbursement amount 90%Annual benefit $20,000They are one of the few companies that reimburse up to 100% of veterinary costs and provide quick reimbursements
Wagmo’s top-notch wellness plans extend coverage to include your pet’s routine and preventative care
Wagmo offers instant coverage for cats and dogs in all 50 states, regardless of their age, breed, or any health conditions (with some limitations)
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3
Best live vet support
![Figo]()
4.6Our scoreAverage price for
Chow Chows $67.42/moReimbursement amount 90%Annual benefit $5,000Figo provides free 24/7 telehealth services to Chow Chows owners with licensed veterinarians and other essential professionals on call
Their pet records app and real-time claims tracker are easy and intuitive to use
Figo covers most ‘curable’ pre-existing conditions as long as the pet has been symptom-free for 12 months since their last treatment
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4
Best for pre-existing conditions
![Pawp]()
4.5Our scoreAverage price for
Chow Chows $24/moReimbursement amount 100%Annual benefit $3,000Pawp allows you to protect up to 6 pets under one membership regardless of age or pre-existing conditions
Pawp membership gives Chow Chows pet parents access to an annual one-time use $3,000 Emergency Fund to cover unexpected accidents or illnesses
Pawp does not require copays, credit checks or deductibles
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5
Best established brand
![Embrace]()
4.3Our scoreAverage price for
Chow Chows $74.98/moReimbursement amount 90%Annual benefit $5,000With Embrace’s “Healthy Pet Deductible,” your annual deductible drops by $50 every year you do not get reimbursed for a claim
Embrace has an easy-to-use claims portal and paid 92% of claims in 2021
Their Wellness Rewards is one of the most flexible preventative care plans available, offering a whole host of benefits, including training and grooming
Based on our personal experience and countless hours of research, we’ve found Lemonade Pet Insurance offers the ideal balance between coverage and unbeatable prices.
FAQs about Chow Chow Pet Insurance
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1. How much does pet insurance cost for Chow Chows?
Chow Chows have an average monthly range for premiums from $24 to $75. There are several factors that insurance companies use to calculate that range such as your pooch’s age, breed, health conditions and average veterinary costs within the state.
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2. What does pet insurance typically cover for Chow Chows?
As with any insurance company, coverage for Chow Chows will be different from one company to another. In general, you can plan on your policy to cover accidents and illnesses, especially those that are sudden and catastrophic in nature. You can count on most policies to include medical tests, exams, emergency care, other diagnostic procedures, medication and surgery.
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3. Can I cancel my Chow Chow’s insurance plan after making a claim?
Cancellation policies will differ from insurance company to insurance, so you’ll want to clarify the cancellation policy with your specific carrier. In most cases you can cancel your Chow Chow’s policy at any time, but be sure to check with your specific provider.
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4. Do pet insurance companies cover spaying and neutering?
In most cases, spaying and neutering will need to come out of your pocket and are not covered by a pet insurance policy. There’s always someone who is willing to help and in this case that’s Embrace. Embrace offers optional wellness packages that will reimburse for these procedures should you decide it’s something you want to pursue for your Chow Chow.
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5. Does the cost of insurance increase as my Chow Chow ages?
It’s always a good rule of thumb to insure your pup as soon as possible, really the day you bring him home for the first time. Insurance typically only goes up as your Chow Chow ages, especially after the age of 4 or 5. Insurance companies use these rate increases to help providers offset the elevated risk that your older dog will develop a health condition or become ill, especially as he ages.
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6. Which companies cover pre-existing conditions?
Surprisingly, there are actually two companies that offer coverage for pre-existing conditions. Take a look at Pawp as they cover pre-existing conditions in emergencies. Embrace also includes policy terms that will cover some pre-existing conditions. While considering any insurance policy for your pet, always take a close look at the benefits and exclusions. Pawp and Embrace are the rare two offering pre-existing conditions in your policy options. Thankfully, just because your Chow Chow may have a pre-existing issue, it doesn’t necessarily mean he won’t qualify for an insurance policy.
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7. Is pet insurance worth it for Chow Chows?
Because accidents can happen anytime and anywhere, pet insurance truly benefits all dogs. Your Chow Chow may look like a famous movie star critter, but that doesn’t mean he’s immune to accidents and illness that can be a surprise at any moment. Finding last minute emergency veterinary care is expensive, plus ongoing medical care costs add up quickly. Your Chow Chow is known to have health issues such as Hip and Elbow dysplasia, Patellar Luxation, Autoimmune Thyroiditis (thyroid disease) and eye problems including cataracts, distichiasis (abnormal eyelashes) and glaucoma. The surgery and any related procedures along with required follow-up can cost as much as $8,000 and up. Sadly stomach cancer and gastric torsion (also known as bloat) are also seen in the breed. Plan on surgery for bloat to coat anywhere from $2,000 to $5,000. Pet insurance can give you the support needed to help you care for your Chow Chow and all of his veterinary requirements.
More Details About Pet Insurance for Chow Chows
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1. Lemonade
(Best Overall)
Why it’s great: Using the Force for good – Overall, Lemonade will help you fight off the evils of illnesses as it offers preventative care for puppies under two-years of age. With a few added small fees, you can customize your policy that will include options to aid in paying for your Chow Chow’s regular check-ups and even for physical therapy. On the plus side, Lemonade’s waiting period for accidents is two days, much lower than many other insurance companies. Bundling your home/renter’s insurance with your pet insurance policy will bring you a 10%, saving you money for more Chow Chow treats.
Keep in mind: To qualify for coverage, you’ll need to gather records from your Chow Chow’s previous veterinary visits. If your pup is older, as in more than 14-years of age, then he likely won’t qualify for coverage.
Good for: Nearly all Chow Chows, especially puppies with no pre-existing conditions.
Average price for Chow Chows: $31/month
![Lemonade]()
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2. Wagmo
(Best for Wellness)
Why it’s great: If you believe in the force, but maybe need a little less power and want to focus on the wellness aspect, then look no further than Wagmo. The company is all about wellness as it offers a coverage option that can be purchased as a standalone, or you can add it on to your overall policy. If multiple little Ewok Chow Chows are part of your home, then you’re in luck because Wagmo offers a 10% multi-pet discount. Another advantage is you can power up a tech-friendly mobile app a live-chat and even use it to submit and track your claims.
Keep in mind: There are a few health issues that are not included as part of their coverage plan offerings such as hip dysplasia in dogs that are 6-years or older. Another reminder to insure your four-legged family member as soon as possible, Wagmo will not cover pets that are more than 15-years-old.
Good for: Chow Chow people looking for a Zen-like balance of wellness and access to live-chat to help with emergency care coverage.
Average price for Chow Chows: $58.52/month
![Wagmo]()
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3. Figo
(Best 24/7 Vet Support)
Why it’s great: The Rebel Alliance never sleeps and the same goes for Figo’s veterinary support, they’re available 24/7. That’s good for those nights when you’re worried about your Chow Chow and just need to ask someone a question. Figo also settles most claims in less than three days, which means that reimbursement check will be back in your bank account before you know it. Lastly, unlike many other insurance policies, Figo may actually cover some pre-existing conditions (the caveat being it’s only the pre-existing conditions that are considered to be curable).
Keep in mind: As you probably already guessed, Figo will not cover pre-existing conditions that are deemed to be incurable, along with most experimental treatments.
Good for: Chow Chow people who want and need veterinary support at any time of the day or night.
Average price for Chow Chows: $67.42/month
![Figo]()
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4. Pawp
(Best for Pre-Existing Conditions)
Why it’s great: While Ewoks didn’t have access to pet insurance (wait, are Ewoks considered pets?) anyway… one thing that would definitely have helped those cute critters on the Forest Moon of Endor is knowing how much their insurance would cost. Having a fixed rate from Pawp means there’s no surprises when it comes to an insurance policy for your Chow Chow. Another plus is that Pawp will pay your medical bills directly to your Chow Chow’s vet, instead of the typical plan where you need to pay out of pocket then submit for reimbursement from the insurance company. Pawp will also pay for life threatening pre-existing conditions and the policy offers supplemental coverage with a $3,000 emergency fund that can be used for one life threatening emergency per year.
Keep in mind: It’s important to note that Pawp doesn’t offer an option for routine medical treatments. Also, accessing that $3,000 emergency fund will require you to participate in a video call with a Pawp vet, potentially delaying medical treatment for your Chow Chow.
Good for: Chow Chow parents with more than one pup (Pawp covers up to six pets) and for those dog people who want 24-hour access to a digital clinic of licensed veterinarians at a fixed rate.
Average price for Chow Chows: $24/month
![Pawp]()
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5. Embrace
(Best Established Brand)
Why it’s great: Just like The Empire, Embrace is a well established brand that has been around for a long time. But, unlike The Evil Empire, Embrace offers lots of positive options such as the flexibility to choose your own vet and a mobile app with paperless reimbursement forms instead of the old school paper claim forms. Whether you worked for The Empire or not, military (active and former members) enjoy a discounted rate. Pet parents with more than one pooch can also expect a multi-pet discounted rate, along with a short two-day waiting period for accidents. Plus, bonus, when you don’t use your policy, look for decreases in your deductibles.
Keep in mind: With Embrace, there’s no wellness or preventative care options. If your pup needs orthopedic care, you’ll face a six-month waiting period.
Good for: Chow Chow parents who want to be able to choose their own vet and have a policy that includes routine check-ups.
Average price for Chow Chows: $74.98/month
![Embrace]()
Best Overall
Lemonade
Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider for Chow Chows and they also offer the best value.
Conclusion
Don’t panic like you’re under attack from the Death Star (ok – no more Star Wars references). There’s a pet insurance policy available to fit every dog and every budget. Breaking down all the best options and simplifying what’s available is our goal for you and your Chow Chow. Taking the time to review the options will result in you finding a policy that will fit all of your pet care needs. Purchasing a pet insurance policy is one of the best things you can do to support your beloved Chow Chow, ensuring he’ll receive the support he needs for any emergencies along with routine care, whether he’s here, or in a galaxy far, far away (had to get one more in).
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