Shih-Tzu pet insurance

Shih-Tzu insurance from just £4.81^{^}

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Do I need Shih-Tzu pet insurance?

Pet insurance is not a legal requirement in the UK. But it can financially protects you if your Shih-Tzu is hurt or involved in an incident.

Shih-Tzu insurance can cover costs in the following situations:

Your Shih-Tzu is ill, injured, or needs to be put down
Your Shih-Tzu is lost or stolen
Your Shih-Tzu harms someone or their property (including their pets)

Cheapest monthly price

£4

.81^

Average monthly price

£11

.27^

Are Shih-Tzus expensive to insure?

Generally Shih- Tzus are considered an affordable breed to insure especially compared to other popular toy breeds or larger breeds.

Pet insurers may also charge more for pedigree breeds like Shih- Tzus because they cost more to replace and are more attractive to thieves.

The average cost of dog insurance is £14.57^{^} a month. Shih- Tzus insurance, is similar and costs an average of £11.27^{^} a month.

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%^{^} more for their pet insurance. A pet that has had complaints made about it will cost its owners 6.34%^{^} 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%^{^} on average.

You can find much bigger savings of up to 44.23%^{^} by selecting an accident-only insurance policy, but you will get much more limited cover.

How much is the average pet insurance claim?

£668^

According to the Association of British Insurers (ABI)

Lifetime cover

Protects your pet for life, as long as the policy is renewed each year.
💡 Most popular
Maximum benefit

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

Covers your pet for a specific period of time (usually 12 months).
Accident only cover

Only covers accidents, not illnesses.
💡 Cheapest

Which pet insurance do I need?

Typically covered

✔ Vet bills e.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

More information

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

Yes. You can cover most pre-existing conditions if you take out specialist pet insurance. These policies will almost certainly be pricier than standard policies.

Can I get pet insurance if my Shih-Tzu is aggressive?

Yes, pet insurers will usually still cover your Shih-Tzu if they sometimes bite or otherwise act aggressively. But you will probably have to pay higher insurance premiums.

What health issues do Shih-Tzus have

Shih-Tzu dogs are prone to getting the following medical issues:

Dental problems
Eye issues
Respiratory problems

Are Shih-Tzus an aggressive dog breed?

Shih-Tzus are not generally considered aggressive dogs. They are typically friendly and affectionate in nature.

As with all dog breeds they will need socialisation, exercise and stimulation to avoid any changes in temperament.

Only 0.3%^{^} of Shih-Tzu owners report that their Shih-Tzu 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 crucial to consider what the policy covers and the actual cost of veterinary care if your pet gets sick. According to the ABI, the average claim in the UK was £668^{^} in 2023, almost 50% higher than the average cost of a policy. Consulting your vet about potential conditions and their costs can help you choose the right coverage for your pet.

Lauren Chong Pet Insurance Expert

Do Shih-Tzus make for good pets?

Shih-Tzus are generally considered good family dogs. Shih-Tzus are known for the affectionate nature and can be very playful with children and other pets.

What is the life expectancy of a Shih-Tzu dog?

The average lifespan of a Shih-Tzu dog typically ranges from 10 to 16 years. But this can vary depending on factors such as genetics, overall health, diet, exercise, and veterinary care.

Do I need to get my Shih-Tzu microchipped?

Yes. In the UK it is a legal requirement that all dogs are microchipped and registered before they are eight weeks old.

If you do not microchip your dog you can be fined up to £500.

How often should I walk my Shih-Tzu?

Shih-Tzus generally need around 30 minutes to an hour of exercise per day. This would ideally be split into a couple of short walks.

Additionally you could include some indoor playtime and garden exploring.

As they are prone to overheating be careful on hot days and shorten the walks as appropriate.

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Pet’s age
Pet's breed or size
Pet's cost
Pet's behavioural history
Pet's medical history
Pet's health*

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Easy to find pet insurance on money supermarket. Good variety and good prices and cover.
Michael Weston
09/10/2025
Well priced. Reliable brand. Saved 50% compared with my previous provider.
Anonymous
06/08/2025
Excellent
Jade Lauricourt
27/07/2025
After 8 years with the same Pet Insurance I received a renewal for almost double my premium, I tried MoneySupermarket for the first time. So easy to use and I was so surprised to see how quick my Pet Insurance quotes came through. The quote I went with gave me everything I had with my previous Insurer, with a monthly cost lower than I had been paying. Thank you Super MoneySupermarket
Anonymous
08/06/2025

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