Best Pet Insurance for Shih Tzus (2026)
Shih Tzus are prone to several breed-specific health conditions that can result in significant veterinary expenses over their 10–18-year lifespan. Their flat faces make them susceptible to respiratory issues, while their long coats and ear structure increase ear infection risk. Eye problems like cataracts and progressive retinal atrophy are also common, making comprehensive pet insurance essential for this breed.
The best pet insurance for Shih Tzus prioritizes coverage for hereditary and congenital conditions without annual or lifetime caps. Since grooming-related ear and skin issues are frequent, policies with optional wellness add-ons that cover preventive care provide extra value. Fast claim processing also matters, as Shih Tzus may need urgent vet visits for breathing difficulties or eye complications.
Insurance pricing varies by location, dog age, and coverage level. Monthly estimates are national averages for adult dogs. This page contains referral links — pupprofiles.dog may earn a commission at no extra cost to you.
Our Top Pick
Healthy Paws Pet Insurance
The only major insurer with truly unlimited coverage — no annual cap and no lifetime limit, making it ideal for breeds with known hereditary conditions.
Healthy Paws
Healthy Paws Pet Insurance
Best for unlimited coverageNo lifetime caps mean unlimited coverage for Shih Tzus' recurring ear infections, respiratory issues, and age-related eye conditions throughout their long lives.
- No annual or lifetime coverage limits
- Covers hereditary & congenital conditions
- Average claim reimbursement in 2 days
Embrace
Embrace Pet Insurance
Best for comprehensive coverageCovers orthopedic and hereditary conditions common in Shih Tzus, plus a shrinking deductible rewards claim-free years of preventive grooming and ear care.
- Covers accidents, illness, orthopedic conditions, cancer
- Shrinking deductible — decreases $50 each claim-free year
- Optional wellness rewards add-on
Trupanion
Trupanion Pet Insurance
Best for direct vet paymentDirect vet payment eliminates reimbursement delays during urgent respiratory or eye emergencies, critical for Shih Tzus' breed-specific acute health events.
- Pays vet directly — no reimbursement wait
- 90% of eligible costs covered
- No per-incident, annual, or lifetime payout limits
Lemonade
Lemonade Pet Insurance
Best app experience & fast claimsFast app-based claims approval suits Shih Tzus' frequent ear and skin issues, while optional preventive care covers routine grooming-related dermatology.
- Claims filed and approved via app in minutes
- Most affordable starting rates
- Optional preventive care add-on
Figo
Figo Pet Insurance
Best for multi-pet householdsMulti-pet discounts benefit households with multiple Shih Tzus, plus cloud-based health records track ongoing ear and respiratory condition history effectively.
- Up to 100% reimbursement option
- Cloud-based pet health records
- Multi-pet discount available
Pets Best
Pets Best Pet Insurance
Best budget accident & illnessBudget-friendly premiums for Shih Tzus' frequent routine ear cleaning and preventive care, with BestWellness add-on covering grooming-related skin maintenance.
- Among the lowest monthly premiums available
- No upper age limit for enrollment
- BestWellness add-on covers routine care
Spot
Spot Pet Insurance
Best customizable planCustomizable deductibles accommodate Shih Tzus' varied health needs, while telehealth access supports quick guidance on breathing difficulty or eye concern symptoms.
- Most flexible deductible & reimbursement options
- Covers microchip, behavioral therapy, and telehealth
- No per-incident deductibles
How to Choose Pet Insurance for Shih Tzus
Shih Tzus frequently develop ear infections due to their floppy, hair-covered ears and the moisture that accumulates within them. Look for a policy that covers recurring ear conditions and dermatological issues without categorizing them as pre-existing once treated. Some insurers exclude breed-specific skin conditions, so verify that allergies, yeast infections, and chronic ear inflammation are fully covered under accident and illness provisions.
Respiratory problems are inherent to the breed's flat-faced structure, leading to conditions like brachycephalic airway syndrome. Ensure your chosen policy covers surgeries and treatments related to breathing difficulties, as these can become expensive and chronic. Ask about coverage limits for breed-typical surgeries, including soft palate corrections and nostril widening procedures.
Eye conditions like cataracts, keratitis, and progressive retinal atrophy develop in many Shih Tzus as they age. Select a policy with no per-incident limits for ophthalmological care and confirm that hereditary eye diseases are covered from enrollment. Unlimited lifetime benefits are ideal, since multiple eye surgeries over a Shih Tzu's long lifespan could easily exceed annual caps.
Frequently Asked Questions
What eye problems are common in Shih Tzus and does pet insurance cover them?
Shih Tzus frequently develop cataracts, progressive retinal atrophy, and keratitis. Most pet insurance policies cover these conditions under standard accident and illness coverage if they're diagnosed after enrollment. Ensure your policy includes hereditary eye disease coverage, as many Shih Tzus inherit these conditions. Some insurers may apply waiting periods, so verify coverage details before enrolling.
How often do Shih Tzus get ear infections and is it covered?
Shih Tzus experience ear infections frequently due to their floppy ears and dense coat. Pet insurance typically covers ear infections as illness claims, but some policies limit coverage for chronic or recurring conditions. Review your policy to confirm that multiple ear infections yearly won't be denied as pre-existing. Preventive grooming add-ons can help reduce infection frequency.
Will pet insurance cover breathing problems in Shih Tzus?
Yes, respiratory issues related to their flat-face structure are covered as illness claims by most policies. This includes conditions like brachycephalic airway syndrome and surgeries to correct breathing difficulties. Verify that your chosen insurer covers soft palate corrections and nostril widening procedures without annual caps. Unlimited lifetime benefits are ideal since Shih Tzus may need multiple respiratory treatments throughout their lifespan.
Shih Tzu Full Breed Profile
Temperament, health conditions, care guides, and adoption resources.