Lhasa Apso insurance: cost and what to look for

Breed health sources point to kneecap luxation, bladder stones and kidney disease as the conditions to check coverage for.

Lhasa Apso

Which insurer fits a Lhasa Apso? See our top picks by priority →

Model updated Sep 2026 · No phone calls · Independent

Insurers for a Lhasa Apso

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.

All 8 insurers shown cover hereditary and congenital conditions.

  1. Odie

    Lowest est.

    14-day illness wait Limits $10,000 or $40,000 Exam fees extra Deductibles $250 or $500

    $39/mo est.Plan details

  2. Lemonade

    14-day illness wait Limits $5,000 to $100,000 Exam fees extra Deductibles $100 / $250 / $500 / $750

    $40/mo est.Plan details

  3. Pets Best

    14-day illness wait Limits $5,000 to unlimited Exam fees included Deductibles $100 to $1,000

    $42/mo est.Plan details

  4. Embrace

    14-day illness wait Limits $2,000 to unlimited Exam fees extra Deductibles $200 to $1,000

    $44/mo est.Plan details

  5. Spot

    14-day illness wait Limits $2,500 to unlimited Exam fees included Deductibles $100 to $1,000

    $45/mo est.Plan details
Show 3 more insurersShow fewer insurers

  1. Fetch

    15-day illness wait Limits $5,000 to $15,000 Exam fees included Deductibles $250 to $2,500

    $46/mo est.Plan details

  2. Healthy Paws

    15-day illness wait Limits $5,000, $7,000 or unlimited Exam fees extra Deductibles $100 to $1,000

    $48/mo est.Plan details

  3. Trupanion

    30-day illness wait Limits Unlimited Exam fees extra Deductibles $0 to $1,000 per condition

    $55/mo est.Plan details

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 glossary

What Lhasa Apso owners claim for

Typical treatment cost per episode, in USD. Check that a policy covers hereditary conditions and has an annual limit above these costs.
  • Chronic kidney disease[1]commonDeclining kidney function from hereditary nephropathy or amyloidosis; diagnostics, prescription renal diets, fluid therapy and monitoring for the rest of the dog's life.
    $1,000–$6,000
  • Bladder stones[2]commonUrinary stones needing diet change or surgical removal.
    $1,500–$3,500[3]
  • Patellar luxation[2]commonDislocating kneecap, common in small breeds; surgical correction in moderate to severe cases.
    $1,500–$3,000[4]

Typical lifespan: 12–14 years. The small size class used in our estimate comes from the same source's weight range[5].

What a Lhasa Apso costs to insure by age

Insured as a puppy, a Lhasa Apso 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
AgeLowTypicalHigh
Puppy (under 1)$31/mo est.$40/mo est.$51/mo est.
2 years$34/mo est.$44/mo est.$57/mo est.
5 years$41/mo est.$53/mo est.$69/mo est.
8 years$55/mo est.$70/mo est.$92/mo est.
11 years$76/mo est.$97/mo est.$126/mo est.

Lhasa Apso insurance in other states

Dog insurance cost by state →

Questions people ask about insuring a Lhasa Apso

How much does pet insurance cost for a Lhasa Apso?

About $34 to $57 a month 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 Lhasa Apso health problems like chronic kidney disease?

Yes, as long as they are not pre-existing. Accident-and-illness plans cover hereditary and congenital conditions, including the ones Lhasa Apsos are known for: chronic kidney disease, bladder stones and patellar luxation. All 8 insurers we compare cover hereditary conditions.

At what age should I insure a Lhasa Apso?

As young as you can. A puppy has no pre-existing conditions yet, and premiums rise with age: in our model about $44 a month at 2 years and $70 at 8. When to insure, by age.

Is pet insurance worth it for a Lhasa Apso?

For breeds with known expensive conditions, it usually is if you enroll young and keep the policy. One chronic kidney disease bill can run $1,000 to $6,000, several years of premiums. The full math.

Why does the estimate change by state?

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 Lhasa Apsos ask

Sources

  1. Novel Allelic Variants in the Canine Cyclooxgenase-2 (Cox-2) Promoter Are Associated with Renal Dysplasia in Dogs. PLOS ONE, 2011.
  2. American Lhasa Apso Club Health Statement. American Lhasa Apso Club (via AKC).
  3. How Much Does Dog Surgery Cost?. Lemonade, 2025.
  4. Patellar Luxation in Dogs. Embrace Pet Insurance, 2021.
  5. Lhasa Apso. VCA Animal Hospitals.

How we choose and check sources: Sources we use.

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