Havanese insurance in Maryland: cost and what to look for
Long-lived companion breed; knees, eyes and hips are the watch points.
- $33–$54/mo est.Typical monthly premium in Maryland (2 yrs, 80%, $250 deductible)
- $504/yr est.Estimated yearly cost at the midpoint
- 5Breed-linked conditions to check coverage for
Which insurer fits a Havanese? See our top picks by priority →
Insurers for a Havanese in Maryland
Estimated monthly price for a 2-year-old at 80% reimbursement and a $250 deductible. These are BreedSure estimates, not quotes from the insurers; each insurer sets its own price.
Odie
Lowest est.14-day illness wait Limits $10,000 or $40,000 Exam fees extra Deductibles $250 or $500
$37/mo est.Plan details for OdieLemonade
14-day illness wait Limits $5,000 to $100,000 Exam fees extra Deductibles $100 / $250 / $500 / $750
$39/mo est.Plan details for LemonadePets Best
14-day illness wait Limits $5,000 to unlimited Exam fees included Deductibles $100 to $1,000
$40/mo est.Plan details for Pets BestEmbrace
14-day illness wait Limits $2,000 to unlimited Exam fees extra Deductibles $200 to $1,000
$42/mo est.Plan details for EmbraceSpot
14-day illness wait Limits $2,500 to unlimited Exam fees included Deductibles $100 to $1,000
$43/mo est.Plan details for Spot
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Fetch
15-day illness wait Limits $5,000 to $15,000 Exam fees included Deductibles $250 to $2,500
$44/mo est.Plan details for FetchHealthy Paws
15-day illness wait Limits $5,000, $7,000 or unlimited Exam fees extra Deductibles $100 to $1,000
$46/mo est.Plan details for Healthy PawsTrupanion
30-day illness wait Limits Unlimited Exam fees extra Deductibles $0 to $1,000 per condition
$53/mo est.Plan details for Trupanion
Estimates updated Sep 2026 · How we estimate
Waiting period. How long after the policy starts before accidents, and then illnesses, are covered. Anything that begins during the wait is excluded. More in the glossaryAnnual limit. The most the policy pays in one policy year. "Unlimited" means there is no yearly cap. More in the glossaryExam fees. The vet's charge for the visit itself, usually $50 to $150, separate from tests and treatment. Some insurers include it; others sell it as an add-on. More in the glossaryDeductible. What you pay yourself before the insurer starts paying. Most reset every policy year; some insurers charge it once per condition. More in the glossaryWhat Havanese owners claim for
- Eye conditions (cataracts, PRA, cherry eye)[1]commonHereditary eye problems; cataract surgery is the expensive end.$300–$6,700[2][3]
- Patellar luxation[1]commonDislocating kneecap, common in small breeds; surgical correction in moderate to severe cases.$1,500–$3,000[4]
- $300–$3,000[6]
- Hip dysplasia[1]occasionalMalformed hip joint leading to arthritis. Treatment ranges from pain management to total hip replacement.$1,000–$6,000[7]
- Heart disease (DCM / MVD)[8]occasionalCardiomyopathy or valve disease; diagnostics and lifelong medication.$1,100–$2,500[9]
What a Havanese costs to insure by age in Maryland
Insured as a puppy, a Havanese costs about 44% less per month than one enrolled at 8 (modeled). Conditions diagnosed before enrollment are excluded as pre-existing.
Low, typical and high estimates by age
| Age | Low | Typical | High |
|---|---|---|---|
| Puppy (under 1) | $29/mo est. | $38/mo est. | $49/mo est. |
| 2 years | $33/mo est. | $42/mo est. | $54/mo est. |
| 5 years | $39/mo est. | $50/mo est. | $65/mo est. |
| 8 years | $52/mo est. | $67/mo est. | $87/mo est. |
| 11 years | $72/mo est. | $92/mo est. | $120/mo est. |
Pet insurance in Maryland
Effective January 1, 2025, insurers must disclose all policy exclusions and limitations to a buyer, including pre-existing, chronic, and orthopedic condition exclusions and any waiting period, coinsurance, deductible, or annual/lifetime limit, and cannot require enrollment in a wellness program as a condition of buying a policy.
Source: Maryland General Assembly
Maryland Insurance Administration handles insurance complaints and consumer questions in Maryland, including about pet insurance.
The average routine vet visit for a dog in Maryland costs about $79.
Source: CareCredit
Maryland residents can attend the AVMA-accredited Virginia-Maryland College of Veterinary Medicine, a regional program jointly run with Virginia Tech that reserves about 30 seats per class for Maryland residents at in-state tuition and maintains the Gudelsky Veterinary Center in College Park, MD.
Havanese insurance in other states
Questions people ask about insuring a Havanese
How much does pet insurance cost for a Havanese?
About $33 to $54 a month in Maryland for a 2-year-old at 80% reimbursement and a $250 deductible, in our model. Older dogs, lower deductibles and higher reimbursement cost more; each insurer sets its own price. How we estimate.
Does pet insurance cover Havanese health problems like eye conditions?
Yes, as long as they are not pre-existing. Accident-and-illness plans cover hereditary and congenital conditions, including the ones Havanese are known for: eye conditions, patellar luxation and dental disease. All 8 insurers we compare cover hereditary conditions.
At what age should I insure a Havanese?
As young as you can. A puppy has no pre-existing conditions yet, and premiums rise with age: in our model about $42 a month at 2 years and $67 at 8. When to insure, by age.
Is pet insurance worth it for a Havanese?
For breeds with known expensive conditions, it usually is if you enroll young and keep the policy. One eye conditions bill can run $300 to $6,700, several years of premiums. The full math.
Why is the estimate different in Maryland?
Our model scales premiums by a state index built from each state's published average dog insurance premium. Insurers set their own prices, so this is an estimate, not a quote.
Questions owners of Havanese ask
Sources
- Havanese Club of America health statement. Havanese Club of America (AKC parent club).
- Cherry Eye. Embrace Pet Insurance, 2024.
- Cataracts: What to Expect. University of Missouri Veterinary Health Center, 2025.
- Patellar Luxation in Dogs. Embrace Pet Insurance, 2021.
- Risk assessment of canine periodontal disease: insights from owner-reported health questionnaires. PMC (peer-reviewed journal article), 2026.
- Periodontal Disease and Dental Procedures in Dogs and Cats. Embrace Pet Insurance, 2026.
- Hip Dysplasia in Dogs Costs. Pets Best.
- Hereditary evaluation of multiple developmental abnormalities in the Havanese dog breed. Journal of Heredity (via eScholarship, University of California), 2007.
- 11 Most Expensive Dog Health Problems. MetLife Pet Insurance, 2025.
How we choose and check sources: Sources we use.
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