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Chihuahua pet insurance

Compare Chihuahua insurance.

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Do I need Chihuahua pet insurance?

Pet insurance isn't a legal requirement in the UK, but it can help protect you financially if your Chihuahua becomes ill, gets injured or is involved in an incident. Depending on the policy, Chihuahua insurance can help with costs if:

  • Your Chihuahua is ill, injured or needs to be put down

  • Your Chihuahua is lost or stolen

  • Your Chihuahua injures someone or damages their property, including their pets

chihuahua

How much is Chihuahua insurance?

Cheapest monthly price
£4
.03[1]
Average monthly price
£9
.17[4]

Are Chihuahua expensive to insure?

No, Chihuahuas generally cost less than the average dog to insure.

Your Chihuahua's age, health and medical history can all affect the price you pay, along with your location and the type of cover you choose.

The average cost of dog insurance is £12.33[5]a month. Chihuahua insurance costs an average of £9.17[4] a month, making it noticeably cheaper than average.

What impacts the cost of pet insurance?

Some factors that change the price you pay for pet insurance are:

  • The type of cover you select

  • Your pet's age

  • Your pet's breed

  • If your pet has any history of aggression

  • If your pet has any pre-existing medical conditions

  • Your location

  • Your claim history

On average, owners of aggressive pets pay 8.50%[6] more for their pet insurance. A pet that has had complaints made about it will cost its owners 6.34%[6] more.

How can I get cheaper pet insurance?

Some ways to reduce the price of your pet insurance premiums include:

  • Compare quotes

  • Select a multi-pet policy

  • Select an accident-only policy

  • Maintain your pet's health

  • Increase your excess

  • Pay annually

  • Spay or neuter your pet

Spaying or neutering your pets will reduce your insurance costs by an average of 0.56%[6] on average.

You can find much bigger savings of up to 40.41%[7] by selecting an accident-only insurance policy, but you will get much more limited cover.

How much is the average pet insurance claim?
£685[8]

According to the Association of British Insurers (ABI)

What type of Chihuahua insurance should I get?

  • Pet icon

    Lifetime cover

    Protects your pet for life, as long as the policy is renewed each year.

    📍 84%[10] of customers choose lifetime pet insurance

  • Pet icon

    Maximum benefit

    Sets limits on how much you can claim for any given illness or injury.

  • Pet icon

    Accident only cover

    The cheapest option, but it only covers accidents, not illnesses.

    📍 Accident only policies are 40.41%[7] cheaper on average

What is the most common pet insurance claim for Chihuahuas?

These are the most common claims made on Chihuahua pet insurance, according to The Insurance Emporium.

Claim type

Claim amount

Mitral Valve Disease

£368 [9]

Congestive Heart Failure

£192 [9]

Heart Failure

£106 [9]

Seizures of unknown cause

£312[9]

Will my pet insurance cover all these illnesses and accidents?

Accident-only policies cover injuries such as broken bones or burns, but they won’t cover illnesses like heart conditions. So if your Chihuahua developed mitral valve disease, you’d need to pay an average of £368[9] yourself.


Time-limited and maximum benefit policies do include illness cover, but only up to a fixed time period or payout limit. Once you hit that limit, ongoing and recurring conditions like seizures won’t be covered anymore. This could leave you facing repeated out-of-pocket costs of £312[9].


Lifetime policies renew the vet fee limit every year, meaning you can continue claiming for long-term conditions. However, premiums tend to rise annually, and changing insurer usually means existing conditions will no longer be covered.

What does Chihuahua insurance cover?

Cover varies by provider and policy, so always check your insurance documents.

  • Typically covered

    ✔ Vet billse.g. medicines, treatments and prescriptions

    ✔ Hospital visits

    ✔ Diagnosing illnesses e.g. consultations, X-rays, MRIs

    ✔ Dental treatment for accidents, like breaking a tooth

    ✔ Alternative therapies e.g. hydrotherapy or acupuncture (when recommended by a vet)

    ✔ Euthanasia (putting pets down)

    ✔ Lost and stolen pets e.g. advertising, rewards, refund of purchase price

    ✔ Third party liability cover e.g. your dog harms someone or their property

    ✔ Emergency boarding fees e.g. if you are unexpectedly hospitalised

  • Not typically covered

    ✖ Pre-existing conditions

    ✖ Routine care e.g. pet vaccinations, boosters, regular check-ups

    ✖ Routine dental treatment including routine check-ups

    ✖ Fleas and worming

    ✖ Neutering or spaying

    ✖ Elective or cosmetic treatments

    ✖ Cremation and burial

    ✖ Training and obedience classes

    ✖ Banned breeds or dog breeds classed as dangerous

    ✖ Unvaccinated or unmicrochipped animals

Can I get pet insurance if my Chihuahua has a pre-existing condition?

Yes, you may still be able to insure a Chihuahua with a pre-existing medical condition.

Standard pet insurance usually excludes conditions your dog already had before the policy started, but specialist pet insurance may cover some pre-existing conditions. These policies can cost more and may come with additional limits or exclusions.

Can I get pet insurance if my Chihuahua is aggressive?

Yes, some insurers may still cover your Chihuahua if it has a history of aggressive behaviour.

However, you need to give accurate information about previous biting, aggression or incidents when getting a quote. Your Chihuahua's behavioural history could affect your premium or the cover an insurer is willing to provide.

What health issues do Chihuahuas have?

Chihuahuas can be prone to a number of health problems, including:

  • Dental disease

  • Luxating patellas

  • Heart disease

  • Tracheal collapse

  • Eye conditions

  • Hydrocephalus

The PDSA also lists hip dysplasia, Legg-Perthes disease and several other inherited conditions among health problems seen in the breed.

Are Chihuahuas an aggressive dog breed?

Chihuahuas can show aggressive behaviour, but temperament varies considerably between individual dogs.

Royal Veterinary College research involving more than 11,000 Chihuahuas found aggression recorded in 4.2% of dogs in the study, and the researchers found Chihuahuas were more prone to recorded aggression than dogs overall. Training, socialisation and an individual dog's experiences can also influence its behaviour.

Only 0.5%[12] of Chihuahas owners report that their dog show signs of aggression such as tackling or biting other people or pets.

Our expert says…

While opting for a cheaper pet insurance policy might save you a few pounds a month, it's a good idea to consider what the policy covers and the actual cost of veterinary care if your pet gets sick.

According to the ABI, the average pet insurance claim in the UK was £685[8] in 2024. That's significantly higher than the average annual cost of cover for a dog (£165.43[13]) or cat (£81.48[14]).

And while that’s the average, some conditions can be far more expensive. For example, treatment for elbow dysplasia, a common condition in large dog breeds, can cost over £50,000, according to the ABI.

Lauren Chong Pet Insurance Expert

Frequently Asked Questions

Do Chihuahuas make good pets?

Yes, Chihuahuas can make loving and lively pets for the right owner.

They're small and adaptable, but they're also active, alert dogs with plenty of personality. Consistent training and early socialisation are important, particularly as some Chihuahuas can be wary of unfamiliar people and situations.

How long do Chihuahuas live?

Chihuahuas typically have a lifespan of more than 12 years, although every dog's lifespan will depend on factors such as its health, genetics, diet and veterinary care.

Do Chihuahuas need to be microchipped?

Yes. Dogs in the UK must be microchipped and registered on an approved database by the time they're eight weeks old.

You also need to keep the contact details registered to the microchip up to date. You could be fined up to £500 if your dog isn't microchipped when required.

Are Chihuahuas high maintenance?

Not necessarily, but they still need regular exercise, training, dental care and attention despite their small size.

Grooming needs also differ slightly between smooth-coated and long-coated Chihuahuas.

How much exercise does a Chihuahua need?

Chihuahuas need at least 30 minutes of exercise each day, according to the PDSA.

Walks should be combined with play and mental stimulation, as Chihuahuas are active and intelligent despite their small size.

Are Chihuahuas easy to train?

Chihuahuas are intelligent and can respond well to positive, reward-based training, but they can also have an independent streak.

Starting training and socialisation early and being consistent can help prevent unwanted behaviours developing.

Do Chihuahuas get cold easily?

Chihuahuas can feel the cold more easily than larger or more heavily coated dogs because of their very small size.

Keep an eye on your dog in cold weather and consider extra protection, such as a suitable dog coat, when needed.

Are Chihuahuas suitable for first-time owners?

They can be, but their size shouldn't be mistaken for simplicity.

Chihuahuas may be better suited to owners with experience of training strong-willed dogs. First-time owners may benefit from accredited training classes and plenty of early socialisation.

Compare pet insurance quotes from the UK's leading insurers

We compare quotes from 37[15] of the most trusted providers, so you can easily compare cover level, vet fee limits, excess and price.

The Insurance Emporiumtesco insurancePerfect PetAdmiralScratch & PatchSainsbury's Money Insurancejlewis-pet-insurance-logo-v2

What information do I need to get a pet insurance quote?

  • Pet’s age

  • Pet's breed or size

  • Pet's cost

  • Pet's behavioural history

  • Pet's medical history

  • Pet's health*

Customer reviews of MoneySuperMarket pet insurance

See all reviews
  • Good choice of companies and prices which enable me to compare them and choose the best one for my pets need.

  • I got better cover for a cheaper price. Let's hope it does what it says on the tin x

  • Very happy with the price quoted

  • MMS gave me a great range of alternative policies to choose from, all of them cheaper than the one I had. The website is easy to use. I would highly recommend this site to people and would come here again.

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One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.

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Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.

Is pet insurance eligible for SuperSaveClub and rewards?

Yes, you can earn SuperSaveClub rewards when you buy pet insurance through MoneySuperMarket.

This includes:

  • Up to £10, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk

  • Free Days Out pass (worth £180), which gives free entry to a range of UK attractions (you must download our app to get this)

  • Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos

To earn SuperSaveClub rewards on purchases you must:

  1. Sign up to SuperSaveClub (it's free)

  2. Be signed in to your account when you make the purchase

More information can be found on our SuperSaveClub homepage.

Is pet insurance eligible for Price Promise?

Yes, pet insurance is included in our Super Save Price Promise.

If you buy through us then find the same deal for less we will:

  • refund the difference

  • give you a gift card worth £10

Terms and conditions apply. More information can be found on our Price Promise page.

Reviewed on 23 Sep 2026

Sources and supporting information

  1. [1]

    Based on the 10th percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote.

  2. [2]

    SuperSaveClub restrictions and T&Cs apply. Click here for details.

  3. [3]

    YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).

  4. [4]

    Based on the 51st percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote.

  5. [5]

    Based on the 51 percentile of monthly premiums our customers were quoted less than £12.33 per month for dog insurance based on quotes created on MoneySuperMarket in the month of August 2026 where only 1 pet was included in the quote and the pet didnt have pre-existing medical conditions

  6. [6]

    Based on Pet Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for all covertype.

  7. [7]

    Based on Pet Insurance enquiries on MoneySuperMarket between 2026-04-01 and 2026-07-01 where the quote was for all covertype.

  8. [8]

    Source: Association of British Insurers (ABI), 2025, 'Insurance payouts for ‘pawly’ pets top £1 billion for third year in a row' https://www.abi.org.uk/news/news-articles/2025/5/insurance-payouts-for-pawly-pets-top-1-billion-for-third-year-in-a-row/

  9. [9]

    Based on the Insurance Emporium's claims data for smooth-coat chihuahuas, January-June 2026

  10. [10]

    Percentage of sold polices where the user searched for a covertype of LIFETIME. Using Moneysupermarket policies sold between June 2026 and August 2026.

  11. [11]

    Based on The Insurance Emporium's claims data, January to December 2025

  12. [12]

    Based on the volume of dog insurance quotes created on MoneySuperMarket between September 2024 and August 2026.

  13. [13]

    Based on the median annual premium our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote and more less than 1 year old.

  14. [14]

    Based on the median annual premium our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote and more less than 1 year old.

  15. [15]

    Accurate as of 18 September 2026.

  16. [16]

    T&Cs and restrictions apply, see here for more information

  17. [17]

    T&Cs apply, click here for more information

  18. [18]

    Based on 1 visit per month – average ticket value £15.30 (Oct 24)