Best Pet Insurance For Chow Chows In 2024

In my professional opinion, Healthy Paws offers the best pet insurance for Chow Chows.

min read
Updated: 23 January 2024
Written by
Bob Phillips
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Chow Chows, esteemed for their independent nature and unique appearance, are iconic ancient breeds. Originating from China, they were historically used for hunting and guarding due to their fearlessness.

With a distinctive lion-like mane and a dense double coat, they come in various colors including red, cream, and black.

Reserved and dignified, Chow Chows thrive in calm and experienced households. Their aloof demeanor and strong protective instincts make them excellent watchdogs. As loyal companions, Chow Chows form deep connections with their owners, displaying a reserved yet affectionate behavior.

Renowned for their regal bearing and distinctive appearance, Chow Chows continue to be one of the most fascinating and unique breeds worldwide.

If you own a Chow Chow, you’re undoubtedly concerned about its health and well-being. As a pure breed, a Chow Chow is more likely to suffer from genetic health issues than mixed-breed dogs.

Unfortunately, 4 out of 5 pet parents can’t pay for an unexpected $500 veterinary bill out-of-pocket. However, pet insurance will help you reduce your financial risk.

In this review, we’ll look at some of the top pet insurers for Chow Chows and help you pick the policy that best meets your needs. You’ll find that pet insurance is much like personal health insurance; it provides better treatment options and limits out-of-pocket costs. But unlike private health insurance, it won’t cost you an arm and a leg.

Common Health Issues For Chow Chows

Purebred canines, such as Chow Chows, often encounter health challenges. Over time, certain breeders have not given sufficient attention to genetics when breeding Chow Chows, leading to problems that affect the entire Chow Chow community. Generally, Chow Chows are more prone to genetic health issues compared to other breeds.

Here are some common health concerns for Chow Chows:

  • Entropion (an eyelid condition)
  • Hypothyroidism
  • Patellar Luxation
  • Skin Problems (e.g., hot spots, pyoderma)
  • Gastric Dilatation-Volvulus (Bloat)
  • Dental Issues (e.g., dental crowding)

Entropion (An Eyelid Condition) In Chow Chows

Entropion is an eyelid condition that can affect Chow Chows, among other breeds. It occurs when the eyelid rolls inward, causing the eyelashes to rub against the cornea. This can lead to eye irritation, excessive tearing, and discomfort. Surgical correction is often necessary to alleviate the problem and prevent corneal damage. Regular eye examinations by a veterinarian are crucial to identify and address entropion in Chow Chows promptly.

The cost of surgery for entropion in cats can range from $1,400 to $2,000.

Hypothyroidism In Chow Chows

Chow Chows can develop hypothyroidism, an underactive thyroid gland, leading to symptoms such as weight gain, lethargy, and skin issues. Diagnosis involves a blood test, and treatment typically includes daily thyroid hormone supplementation to manage the condition effectively. Regular monitoring by a veterinarian is essential to ensure the Chow Chow receives the correct dosage and maintains optimal thyroid function.

The cost of fixing hypothyroidism without pet insurance can range from $850 in the first year, and $300-$700 for each additional year of your dog’s life.

However, the average cost of thyroid hormone deficiency treatment is $1,800.

Patellar Luxation In Chow Chows

Patellar luxation is a common orthopedic issue in many dog breeds, including Chow Chows. It involves the dislocation of the kneecap (patella) from its normal position, leading to lameness and pain. Depending on the severity, patellar luxation can be managed through physical therapy, weight control, or surgical correction to ensure the Chow Chow’s comfort and mobility.

The cost of surgical treatment for patellar luxation typically ranges from $1,500 to $5,000 per leg.

Skin Problems (e.g., Hot Spots, Pyoderma) In Chow Chows

Chow Chows can be prone to various skin problems, including hot spots and pyoderma (skin infections). These issues may result from allergies or skin irritants. Regular grooming and using hypoallergenic products can help maintain healthy skin. Consultation with a veterinarian is crucial to identify the underlying cause and provide appropriate treatment for skin problems in Chow Chows.

According to the search results, the cost of treatment for skin problems in dogs can range from $500 to $1,500 per year.

Gastric Dilatation-Volvulus (Bloat) In Chow Chows

Chow Chows are one of the breeds at higher risk of gastric dilatation-volvulus, commonly known as bloat. This life-threatening condition involves the stomach filling with gas and twisting, potentially leading to shock and death if not treated promptly. Prevention strategies include feeding smaller, more frequent meals, avoiding vigorous exercise after eating, and discussing gastropexy (stomach tacking) with your veterinarian as a preventive measure.

The cost of surgical treatment for bloat typically ranges from $1,500 to $7,500

Dental Issues (e.g., Dental Crowding) In Chow Chows

Chow Chows often experience dental issues due to their unique jaw structure, which can lead to dental crowding. This condition can result in plaque buildup and an increased risk of gum disease. Regular dental check-ups and a dental hygiene routine, such as tooth brushing and dental chews, are essential to prevent dental problems and maintain the overall oral health of Chow Chows.

According to the search results, the cost of dog teeth cleaning typically ranges from $250 to $700.

However, if the dog needs special treatments for periodontal disease or tooth extractions, the cost can increase by several hundred dollars.

Best Pet Insurance Companies For Chow Chows, 2024

Different pet insurance companies for Chow Chows are the same in many ways in that they will help ensure your pet is cared for and that your financial risk is limited, but they’re also different in some ways. So while one company may be best for your neighbor’s pet, another may be better for yours.

Here’s our breakdown of the best pet insurance companies for Chow Chows:

healthy-paws
Best Overall - Healthy Paws
Lemonade
Best Cheap Coverage - Lemonade
manypetsicon-logo
Best For Puppies - ManyPets
Best Pet Insurance, Chow Chows 2024

Comparison Of The Best Pet Insurance Companies For Chow Chows

As you can see from our breakdown of the best pet insurance companies for Chow Chows shown above, many high-quality companies are vying for the top spots. You can also see that each has its own particular strengths. Here’s a snapshot to give you a glance into each insurer:

Overall Rating Best For Waiting Period Reimbursement % Benefit Limit Get A Quote
Healthy Paws
4.9

Overall

15 days accidents/illness

70%, 80%, 90%

Unlimited annual and lifetime

Instant Quote
Lemonade
4.8

Cheap

2 days accidents, 14 days illness

70%, 80%, 90%

$5,000 to $100,000 annaully

Instant Quote
ManyPets
4.8

Puppies

15 days accidents/illness

70% or 80%
(most states)

Unlimited annual and lifetime

Instant Quote
Pumpkin
4.7

Older Dogs

14 days accidents/illness

90%

$10,000, $20,000 or unlimited

Instant Quote
Spot
4.7

Multiple Pets

14 days accidents/illness

70%, 80%, 90%

$2,500 to unlimited

Instant Quote
Scroll to see comparisons

Our Methodology

Opinions and subsequent ratings were based on reviewing each insurer's website, customer reviews, other review sites, and personal experience having purchased and used pet insurance in the past.

45

Quotes Analyzed

15+

Years Of Industry Experience

19

Brands Reviewed

40+

Research Hours

Detailed Reviews Of The Best Chow Chow Insurance Companies


Best Overall

Overall Rating
4.9

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
10/10 Claims
10/10 Coverage Level

Why We Like Them

Healthy Paws is the best pet insurance because it has no maximum on claim payouts, per-incident maximum, or caps. This means paying more, but it’s worth it to avoid putting pets down due to policy limits. Healthy Paws has one easy-to-understand policy, no costly add-ons, and allows you to use any licensed veterinarian. Submitting claims is simple through their mobile app or website, with most claims processed within two days.

Benefits & Drawbacks

Benefits
  • No maximum annual or lifetime payouts
  • Most claims processed within two days
  • 30-day money-back guarantee
  • Direct vet payments may be possible
Drawbacks
  • No routine wellness option

Runner-Up For Best Overall

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage Level

Why We Like Them

We found Lemonade to be the cheapest pet insurance for Chow Chows. While the limits are comparable to those of other companies we reviewed, they are not unlimited like those of Healthy Paws. Lemonade’s coverage limits range from $ 5,000 to $ 100,000 per year, with the premium increasing along with the limit you select.

Lemonade’s standard policy covers accidents and illnesses, including cancer, heart disease, skin conditions, broken bones, and hip dysplasia, a common ailment among older Chow Chows. Like most insurers, Lemonade doesn’t pay for medical costs for preexisting conditions, dental illnesses, behavioral issues, or elective procedures.

Benefits & Drawbacks

Benefits
  • Optional wellness plan available
  • Accident waiting coverage period of only two days
  • You get a 10% discount by bundling pet insurance with home, renters, or car insurance you have with Lemonade
Drawbacks
  • No 24/7 pet telehealth line
  • Coverage for vet exam fees has to be added for an extra cost
  • No coverage for prescription food or microchipping

Best For Puppies

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage Level

Why We Like Them

ManyPets has the most favorable coverage for puppies. Pre-existing coverages don’t affect the rates, cured conditions may be covered after 18 months, and unrelated conditions are still eligible for coverage.

Like all pups, young Chow Chows can suffer from illnesses like poisoning, ingesting foreign bodies, and accidents stemming from their youthful energy. Covering them when they’re younger makes it far less likely that you’ll ever run into exclusions for pre-existing conditions when they’re older.

Benefits & Drawbacks

Benefits
  • Available in more than 40 states
  • Covers vet exam fees for illness and accident visits
  • Offers optional wellness plans
Drawbacks
  • No 24/7 pet telehealth line
  • Doesn’t cover pet behavioral therapy
  • No coverage for alternative therapies

Best For Older Dogs

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage Level

Why We Like Them

As Chow Chows age, they are prone to genetic illnesses that can lead to costly treatments, namely cruciate ligament issues and hip dysplasia. Pumpkin has no special waiting period for these conditions and covers veterinarian exam fees if you have to take your older Chow Chow in for treatment.

Pumpkin has a good selection of coverage options for a wide range of problems Chow Chows can experience, including surgeries and dental illnesses. You get a choice of three different deductibles and 90% reimbursement is standard.

Benefits & Drawbacks

Benefits
  • Optional wellness plan available
  • Discounts for insuring multiple pets
  • 90% reimbursement for dogs and cats 8 weeks and older
Drawbacks
  • No 24/7 pet telehealth line
  • No accident-only plan is available

Best For Multiple Pets

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
8/10 Claims
10/10 Coverage Level

Why We Like Them

Many Chow Chow owners have multiple pets since Chow Chows have such an amiable disposition. Spot provides a 10% discount for insuring more than one pet with them, which can add up to a lot of savings.

Spot’s optional preventive care plan provides coverage for wellness care, such as one annual visit to the vet, one fecal test, and one teeth cleaning. Some vaccinations are also covered.

Spot offers a 30-day money-back guarantee if you’re unsatisfied with the coverage or service. Spot also reimburses up to 90% on eligible vet bills, in addition to a 24/7 vet helpline. In addition, you can visit any U.S.-licensed veterinarian or specialist.

Benefits & Drawbacks

Benefits
  • Covers microchipping
  • Low $100 deductible is available
  • Has a 24/7 pet telehealth line
Drawbacks
  • Accidents have a 14-day waiting period, compared to 2 days with some top competitors

Average Cost Of Pet Insurance For Chow Chows

Company Deductible Annual Reimbursement % Monthly Price Age of Dog
Healthy Paws $500 70% $70.30 5 year old
Lemonade $500 70% $40.00 5 year old
Spot $500 70% $73.34 5 year old
Healthy Paws $500 80% $36.52 1 year old
Lemonade $500 80% $20.67 1 year old
Spot $500 80% $53.80 1 year old
Healthy Paws $500 70% $37.64 3 month old
Lemonade $500 70% $29.13 3 month old
Spot $500 70% $83.12 3 month old

Average Cost Of Typical Vet Procedures

Typical Vet Procedure Average Cost Of Procedure
Puppy vaccinations $75-100
Flea & tick prevention $40-200
Heartworm prevention $24-120
Spay or neuter surgery $200-800
Annual exam $240-600
Teeth cleaning $200-500
Microchip $40

Average Cost Of Emergency Vet Procedures

Emergency Pet Procedure Average Cost Of Procedure
General consultation/exam $100-$150
General bloodwork $80-200
X-rays $150-$250
Ultrasound $300-$600
1-2 day hospitalization $600-$1,700
3-5 day hospitalization $1,500-$3,500
Wound treatment & repair $800-$1,500
Emergency surgery $800-$2,500
Oxygen therapy $500

Is Pet Insurance Worth It For Chow Chows?

Pet insurance protects against unexpected veterinary bills. Many pet owners pay out-of-pocket for their pet’s medical expenses, but most Americans can’t afford a $1500 emergency vet bill. The right pet insurance can literally be a lifesaver. Having coverage will give you the freedom to make medical decisions for your furry family member based on the quality of life, not finances.

The value of pet insurance is largely based on your expectations. If your pet is currently undergoing treatment for a chronic condition and you would like help with the cost of the treatment, you will likely be disappointed as no company in our review covers preexisting conditions.

But, if you understand your policy and what it does and doesn’t cover and have a policy that fits your budget and needs, you are far more likely to consider the policy worth it.

How To Find The Best Pet Insurance Company For You

The costs and types of pet insurance plans available on the market vary by company, making choosing one over the others challenging. To find the best plan for your pet, consider these tips before applying for coverage:

Check Whether Your Pet Is Eligible

Puppies and kittens often must be a minimum of 6 to 10 weeks old to be insured, depending on the company. Senior pets may not be eligible for first-time enrollment with some companies, or they may qualify for accident coverage only. Once the pet is enrolled, though, most plans will offer coverage for life as long as you continue paying the premiums.

Research What’s Covered

Pet insurance plans typically cover expenses like surgery, hospitalization and medication if your pet gets sick or hurt. However, there are certain things that some companies charge extra for or won’t cover at all. Here are a few examples:

  • Exam fees. Say your dog breaks her leg. Some plans will reimburse expenses like X-rays,  surgery and pain medication, but not the vet’s exam fee.
  • Alternative treatments and rehabilitation. Some companies include coverage for things like acupuncture and physical therapy in their standard plans. Others charge extra.
  • Behavioral therapies. Not all policies cover veterinary treatment for aggression or other behavioral issues.
  • Prescription food. Certain plans won’t cover food or supplements at all, even if your vet prescribes them for a covered condition.·
  • Dental care. Pet insurance plans vary widely when it comes to caring for your pet’s teeth. For example, your policy may not cover dental illnesses such as gingivitis or periodontal disease. Alternatively, it may cover them only if your pet has had a recent tooth cleaning. Some add-on wellness plans pay for cleanings.

Note that pet insurance policies usually won’t cover pre-existing conditions, cosmetic procedures, or breeding expenses.

Decide How Much Coverage You Want

Most pet insurance plans cap the amount they pay out per year, although some have no annual limit. Only you can decide the amount that gives you reasonable peace of mind for paying vet bills.

If your dog or cat is relatively healthy, you might go years without paying for anything but routine care. But an unexpected surgery or serious illness could add up to thousands of dollars in expenses.

Understand Reimbursements And Deductibles

Most pet insurance plans reimburse you for a percentage of your vet bill. You can generally choose a reimbursement level — such as 70%, 80% or 90% — when you buy the plan.

Other plans pay what the insurance company deems a standard fee for a given treatment, which might be less than what your vet charges. You’d be responsible for the remainder.

Most plans also have a deductible — the dollar amount you pay out of pocket before the policy pays. You can usually choose from a range of deductibles, such as $100, $250, or more. Some plans apply deductibles to each injury or illness that’s treated. Most have you pay the deductible every year.

Generally, the lower your out-of-pocket costs are, the more you’ll pay for coverage. Alower deductible and higher reimbursement rate can lead to a higher premium, while a higher deductible and lower reimbursement rate can mean a lower premium.

Check Waiting Periods

Most plans include short waiting periods after you purchase the policy for general accident and illness coverage, such as 14 days. Your plan won’t pay for any treatment during the waiting period.

Some plans include longer waiting periods for coverage of certain conditions, such as cruciate ligament injuries — a common orthopedic problem for dogs. The cruciate ligaments help stabilize the knee; when injured, it can make it difficult for a dog to walk.

Examine Extra Costs

Some pet insurance companies offer coverage for routine services such as well visits and vaccinations. While this may sound tempting, do the math to determine whether it’s worth the extra cost. Compare the annual price of the wellness insurance plan with the amount you’d pay each year on your own for services the plan covers. Read the details because the items covered for “wellness” vary by pet insurance company.

Compare Quotes

The cost of insurance varies by carrier and the amount of coverage. Some pet insurers offer discounts; you might be able to save money by insuring more than one pet, for example. But a discount doesn’t guarantee the plan is the best deal.

The only way to find the best insurance for your pet is to dig into the details and get quotes for several plans. Make sure you’re making a fair comparison with similar coverage amounts, deductibles, and reimbursement limits.

Factors That Impact Cost Of Your Pet Insurance Policy

Similar to your health insurance plan, your pet insurance price is going to vary depending on certain factors, such as:

  • Where you live. Pet insurance companies take the cost of vet care in your area into account when pricing your policy.
  • Your pet’s age. Because older animals are more likely to have health problems, their premiums are generally higher.
  • Your pet’s breed. Certain breeds are more prone to health issues. For example, bulldogs and Boston terriers often develop breathing problems, while German Shepherds and other large breeds are more likely than others to get hip dysplasia. These potential problems may be reflected in the cost of your pet insurance plan.
  • Your deductibles, coinsurance and coverage limits. The less you’re willing to pay out of pocket for your pet’s care, the higher your pet insurance premium will be. For instance, choosing a $100 deductible instead of a $500 one means your plan will start reimbursing you sooner for your pet’s care — but it’ll cost you more in premiums.

FAQs

Is pet insurance cheaper for purebred dogs?  

Because purebreds are more likely to have a genetic predisposition to costly diseases and conditions, they are likely to cost more to insure than mixed-breed dogs.

What is the average cost of owning a Chow Chow?  

First-year costs are about $3,000 for vaccinations, food, grooming, and insurance, but the price drops to around $1,900 for each year after.

What insurance do you need for a dog?  

A dog should have some level of pet insurance so the owner can pay vet bills that will keep their dog healthy and secure.

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