Chihuahua parents all across the United States worry about the medical emergencies their little pals may suffer from at some point in their lives. With vet fees being as steep as they are, pet insurance can mitigate a great deal of the financial burden. We have found the best Chihuahua pet insurance providers, and this article will give you all the details you need to make an informed decision about the right insurer and policy for your four-legged friend.
Table of Contents
5 Best Pet Insurance for Chihuahua Dogs (2025 Reviews)
5 Top Pet Insurance Companies Compared for Chihuahua Dogs
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1
Best overall
![Lemonade]()
4.9Our scoreAverage price for
Chihuahuas $18.33/moReimbursement amount 90%Annual benefit $20,000Lemonade features the overall best Chihuahua Dogs 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
Chihuahuas $53.81/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
Chihuahuas $41.20/moReimbursement amount 90%Annual benefit $5,000Figo provides free 24/7 telehealth services to Chihuahua Dogs 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
Chihuahuas $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 Chihuahua Dogs 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
Chihuahuas $28.66/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 Chihuahua Pet Insurance
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1. What can I expect to pay per month for my Chihuahua’s pet insurance?
You can expect to pay $18 to $54 on average for your Chihuahua’s monthly insurance premiums. Your insurer will calculate your premium based on details such as the breed of your dog, their age and medical history, along with the cost of veterinary services throughout your state.
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2. What does a standard Chihuahua dog insurance plan cover?
Coverage is not uniform between insurance providers and policies. That said, standard “accident and critical illness” plans cover anything considered sudden and catastrophic. This means they reimburse for tests, exams, other diagnostics, medication, urgent care and surgery that are directly related to the veterinary emergency.
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3. Can I cancel my Chihuahua’s policy after filing a claim?
You can cancel your plan whenever you wish. Some companies will let you cancel via their mobile app or over the phone. However, some may request that you do so in writing. Just be sure to follow your insurer’s proper cancellation procedures
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4. Will my dog insurance plan cover spaying and neutering?
Spaying and neutering do not typically fall under coverage for dog insurance plans. However, Embrace’s wellness upgrade package includes these operations.
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5. Will my dog insurance premiums go up over time?
Your premiums will go up as your Chihuahua ages, most noticeably once they turn 4 or 5. This is because insurance providers increase premiums over time to counterbalance the increased risk that your dog may fall ill or develop a chronic condition as they age.
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6. Do any pet insurance companies extend coverage to pre-existing conditions?
You will find that Pawp offers the best coverage for pre-existing conditions, and Embrace provides limited coverage in certain circumstances. However, most pet insurance companies do not give any coverage, so remember to verify the full details of a policy before purchasing. Don’t worry, though. Pre-existing conditions will not prevent you from getting your Chihuahua insurance.
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7. Is dog insurance worthwhile for Chihuahuas?
Dog insurance is worthwhile for Chihuahuas, not only because they, like all dogs, can experience veterinary emergencies but because they are prone to several serious hereditary conditions. For example, a collapsed trachea is a life-threatening issue from which this breed often suffers. Depending upon the severity, there are two types of surgery to remedy it, which can cost anywhere from $3,000 to $8,000. Another major disorder Chihuahuas can develop is patellar luxation, which eventually cripples your dog. Corrective surgery can run $4,000 or more per knee. You could be left shouldering these steep veterinary bills on your own if you don’t have pet insurance.
More Details About Pet Insurance for Chihuahua Dogs
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1. Lemonade
(Best overall)
Why it’s great: Lemonade offers the best overall when it comes to
benefits. Between their comprehensive accident and illness coverage and affordable premiums, they have become quite popular among dog parents across the US. Other appealing aspects include a simple and efficient claim-filing system accessible on their mobile app as well as their incredibly short 2-day accident period. Combine your pet insurance plan with Lemonade’s auto, renters, homeowners or life insurance for a discount.Keep in mind: Depending on your Chihuahua’s age, Lemonade may request veterinary documentation regarding your dog’s medical history when you apply for a policy.
Good for: Healthy, juvenile Chihuahuas.
Average price for Chihuahuas: $18.33/month
![Lemonade]()
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2. Wagmo
(Best for wellness)
Why it’s great: Wagmo is known for reimbursing their clients swiftly via direct deposit, Venmo or PayPal. Better yet, after you meet your deductible, they will reimburse as much as 100% of your Chihuahua’s vet bill for the rest of your policy year. Additional savings are available to those who insure multiple pets or renew their policy without any claim reimbursements in the previous year. If that weren’t enough, Wagmo allows their clients to choose their pets’ veterinarians.
Keep in mind: The cap for lifetime benefits is $100,000. If your Chihuahua’s care reaches this limit, they will no longer be eligible for insurance with Wagmo.
Good for: Chihuahua parents who want both wellness and emergency care.
Average price for Chihuahuas: $53.81/month
![Wagmo]()
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3. Figo
(Best 24/7 vet support)
Why it’s great: Figo gives Chihuahua parents free 24/7 veterinary support and consultations with pet experts through the mobile app. Their standard accident and illness plans provide unlimited lifetime benefits and do not restrict reimbursement amounts for specific health issues. They also feature various wellness plans to cater to all needs, even one covering $250 of prescription food. With an average claim closure of 2.6 days, you can expect your reimbursement to happen quickly.
Keep in mind: Figo does not offer coverage for pre-existing conditions.
Good for: Chihuahua owners who want around-the-clock televet services included with their dog insurance policy.
Average price for Chihuahuas: $41.20/month
![Figo]()
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4. Pawp
(Best for pre-existing conditions)
Why it’s great: With the Emergency Fund, Pawp will let you protect as many as 6 pets of any age or state of health within your household for a small flat fee of $24/month. They will pay your vet bill for approved emergencies before you even leave the animal hospital. Unlike conventional pet insurance, Pawp has no deductibles or copays and does not run credit checks. They also offer their clients unlimited remote veterinary services.
Keep in mind: The Emergency Fund covers only qualified emergencies as determined by Pawp’s virtual team of veterinarians. You can use it for a yearly vet bill of less than $3,000 for one of your pets.
Good for: Older Chihuahuas as well as those with health conditions. Can also supplement a traditional pet insurance plan.
Average price for Chihuahuas: $24/month
![Pawp]()
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5. Embrace
(Best established brand)
Why it’s great: Aside from Embrace’s unlimited lifetime benefits and multiple pet discounts, a major perk they give their clients is diminishing deductibles. Diminishing deductibles mean that your deductible drops by $50 each year that you renew your policy without having any reimbursements in the year prior. Another special offering is their optional wellness plan that covers new-age, alternative veterinary treatments, including reiki, massage therapy, hydrotherapy, acupuncture and more.
Keep in mind: Embrace’s wellness plan maximum combined claims total cannot exceed $650. Be aware that unused funds do not roll over from one policy year to the next.
Good for: Those who want dog insurance to cover alternative veterinary treatments for their Chihuahuas.
Average price for Chihuahuas: $28.66/month
![Embrace]()
Best Overall
Lemonade
Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider for Chihuahuas and they also offer the best value.
Conclusion
We hope this article answers any questions you may have had and streamlines your search for the best Chihuahua pet insurance. We recommend reading the full details of any policy you consider purchasing so that you understand its benefits and exclusions and whether they meet your needs. The right dog insurance could provide a vital financial cushion in emergencies and promote your Chihuahua’s wellness so they can enjoy a long, healthy life with you.
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