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 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
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.
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.
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.
According to the Association of British Insurers (ABI)
Protects your pet for life, as long as the policy is renewed each year.
📍 84%[10] of customers choose lifetime pet insurance
Sets limits on how much you can claim for any given illness or injury.
Covers your pet for a specific period of time (usually 12 months).
The cheapest option, but it only covers accidents, not illnesses.
📍 Accident only policies are 40.41%[7] cheaper on average
These are the most common claims made on Chihuahua pet insurance, according to The Insurance Emporium.
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.
Cover varies by provider and policy, so always check your insurance documents.
✔ 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
✖ Routine care e.g. pet vaccinations, boosters, regular check-ups
✖ Routine dental treatment including routine check-ups
✖ Fleas and worming
✖ Elective or cosmetic treatments
✖ Cremation and burial
✖ Training and obedience classes
✖ Banned breeds or dog breeds classed as dangerous
✖ Unvaccinated or unmicrochipped animals
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.
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.
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.
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.
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
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.
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.
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.
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.
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.
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.
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.
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.
We compare quotes from 37[15] of the most trusted providers, so you can easily compare cover level, vet fee limits, excess and price.






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Reviewed on 23 Sep 2026
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.
SuperSaveClub restrictions and T&Cs apply. Click here for details.
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).
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.
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
Based on Pet Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for all covertype.
Based on Pet Insurance enquiries on MoneySuperMarket between 2026-04-01 and 2026-07-01 where the quote was for all covertype.
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/
Based on the Insurance Emporium's claims data for smooth-coat chihuahuas, January-June 2026
Percentage of sold polices where the user searched for a covertype of LIFETIME. Using Moneysupermarket policies sold between June 2026 and August 2026.
Based on The Insurance Emporium's claims data, January to December 2025
Based on the volume of dog insurance quotes created on MoneySuperMarket between September 2024 and August 2026.
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.
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.
Accurate as of 18 September 2026.
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
Based on 1 visit per month – average ticket value £15.30 (Oct 24)