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Native to Japan, the Shiba Inu (pronounced SHEE-bah EE-noo) is a bright, energetic, highly animated small breed that makes for a loyal and protective furry family member. Initially bred for hunting, they have a strong prey drive and can be quite independent (and stubborn at times). While Shibas tend to be healthier than many other purebreds, they are still susceptible to various genetic health issues, including patellar luxation, hip dysplasia, allergies, chylothorax, autoimmune diseases, epilepsy, and more.
Their high energy level and intelligence make them vulnerable to injuries and behavioral problems (anxiety, destructive chewing, etc.) if they don’t get the physical and mental stimulation they need. Without pet insurance in place, these health concerns can create significant emotional and financial worries for Shiba owners.
Relying on my 10 years of pet insurance expertise, I’ll help you find the ideal policy for your furry friend. I’ll also inform you about potential health problems in Shibas and their associated costs so you can make an informed decision about getting a policy.
Best Pet Insurance For Shiba Inus
Each purebred dog breed, including the Shiba Inu, has unique insurance requirements. I’ve conducted extensive research and found the best pet insurance options for Shibas to assist you in making a decision. While choosing these providers, I considered potential breed-related health concerns, breadth of coverage, customization choices, premium costs, age-specific requirements, and more.
| Best For | Company | Get Quotes | Read In-Depth Reviews |
|---|---|---|---|
| Value |  |  | Read Review |
| Unique Benefits |  | | Read Review |
| Unlimited Payouts |  | | Read Review |
| Shiba Inu Puppies |  | | Read Review |
| Dental Benefits |  | | Read Review |
| Most Affordable |  | | Read Review |
| Vet Direct Pay |  | | Read Review |
Best Value: Pets Best
- Policy Options: Accident-Only, Accident & Illness, Wellness
- Annual Deductible Options: $50, $100, $200, $250, $500, $1,000
- Annual Payout Options: $5,000, $10,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Pets Best
With their selection of cost-effective insurance plans, Pets Best has you covered as a Shiba Inu owner. You can easily find the appropriate coverage for your circumstances with their three customizable tiers of accident and illness plans. Notably, they also offer an accident-only policy, ideal for people who want to reduce their premiums.
In contrast to many other insurance companies, Pets Best offers shorter waiting periods for orthopedic conditions common in Shibas, such as hip dysplasia and patellar luxation. They also provide an optional wellness plan at a reasonable monthly cost. This insurer’s policies are of fantastic value regardless of your need for comprehensive or basic coverage.
Expert Price Analysis
When I compared insurance for Shiba Inus of various ages and locations, Pets Best frequently offered some of the lowest quotes, especially when I included coverage for veterinary exam fees and complementary care. However, Pets Best’s maximum coverage ($100 deductible, 90% reimbursement, and unlimited payout) is where it truly stands out for its exceptional value. It is consistently less expensive than other insurers offering comparable benefits.
| Pros | Cons |
|---|---|
| Fantastic value for maximum benefits and comprehensive coverage | Claim processing is longer than average at 18-30 days |
| One of few providers offering a policy that only covers accidents | Must upgrade plan to get coverage for vet exam fees and complementary care* |
| Covers curable pre-existing conditions once they’ve healed | |
| Waiting periods for patella luxation and hip dysplasia coverage are only 14 days | |
| By insuring multiple pets, you can save 5% | |
| 2 wellness plan options | |
| Older dogs can be enrolled at any age |
In-Depth Review Of Pets Best
I invite you to check out my detailed review of Pets Best, where you can learn about its numerous plans, customization choices, waiting periods, and other key information.
Best For Unique Benefits: Fetch
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $250, $300, $400, $500, $600, $700
- Annual Payout Options: $5,000, $10,000, $15,000
- Reimbursement Options: 60%, 70%, 80%, 90%
Why I Picked Fetch
Fetch pet insurance offers unique benefits that other insurers don’t offer, along with thorough coverage for your pet’s needs. These special perks include up to $1,000 for virtual veterinary visits (with no deductible), pet boarding if you require hospitalization, trip cancellation insurance if your pet becomes ill, financial support for lost pets, and more. All Fetch policies include coverage for veterinary exam costs, dental illness, complementary treatments, behavioral therapy, and C-sections. You can also feel secure knowing that Fetch will provide you with pre-approval of procedures and their estimates before beginning any treatment.
Expert Price Analysis
Fetch’s premium pricing was often competitive when I compared quotes for a policy with 90% reimbursement, a $5,000 payout, a $500 deductible, and vet exam coverage tacked on for other providers.
| Pros | Cons |
|---|---|
| All-inclusive plans with unique benefits like virtual vet visits, pet boarding, trip cancellation, etc. | Longer than average waiting period of 15 days for accidents |
| Includes pre-existing conditions that can be resolved after a year without any symptoms | Waiting periods for patella luxation and hip dysplasia coverage are 6 months |
| Grants pre-approval for treatments and their cost estimates | No savings for insuring multiple pets |
| Wellness plan option | |
| Can enroll puppies as young as 6 weeks old | |
| Older dogs can be enrolled at any age |
In-Depth Review Of Fetch
Take a moment to read my thorough review of Fetch, which provides a detailed look at this insurer’s extensive policies, exclusive benefits, tailored customizations, waiting periods, and more.
Best For Unlimited Payouts: Healthy Paws
- Policy Options: Accident & Illness
- Annual Deductible Options: $100, $250, $500, $750, $1,000
- Annual Payout Options: Unlimited
- Reimbursement Options: 50%, 60%, 70%, 80%, 90%
Why I Picked Healthy Paws
With Healthy Paws, you can enjoy policies that feature unlimited annual payouts, so there’s no need to stress about reaching a cap. Although some other insurance providers offer unlimited caps, Healthy Paws tends to be more affordable while maintaining the same deductible and reimbursement levels. This is particularly advantageous for Shiba owners, who may encounter several costly health conditions. If you want to keep your expenses in check and have peace of mind knowing your coverage won’t expire, Healthy Paws is certainly a choice to consider.
Expert Price Analysis
With Healthy Paws, you get the benefit of unlimited payouts, but this can complicate the process of comparing their premium rates to other insurers. In my research, I found that the pricing for Shiba Inus is often on par with or slightly above that of other policies with a $5,000 annual payout and similar deductible and reimbursement options.
| Pros | Cons |
|---|---|
| Provides unlimited annual and lifetime payouts | Limited customization choices for older dogs |
| Competitive premiums for policies with no caps and similar coverage | No coverage available for veterinary examination fees and behavioral therapies |
| 2-day average claim processing | Some Shibas are ineligible for enrollment based on age and location |
| Waiting period for patellar luxation is only 15 days | Waiting period for hip dysplasia coverage is 12 months |
| All policies cover complementary therapy | Dogs enrolled at 6 years or older are ineligible for hip dysplasia coverage |
| Excellent track record of customer satisfaction | Age cap of 14 years old for enrollment |
In-Depth Review Of Healthy Paws
Explore my comprehensive review of Healthy Paws to learn about its benefits, customization features, waiting periods, age restrictions, speedy claim processing, and more.
Best For Shiba Inu Puppies: Figo
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750
- Annual Payout Options: $5,000, $10,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%, 100%
Why I Picked Figo
For Shiba Inu puppies as young as eight weeks, Figo offers exceptional coverage with competitively priced premiums. Its comprehensive policies cover behavioral and complementary therapies as well as dental illnesses. If you’re concerned about your puppy getting into trouble, Figo is an excellent option because of its remarkable one-day accident waiting period.
This insurer is one of few to offer a diminishing deductible of $50 every year you go without making a claim. Additionally, Figo goes above and beyond by providing options for 100% reimbursement and unlimited annual payouts. With Figo, your Shiba can have fantastic coverage from nose to tail.
Expert Price Analysis
Based on the quotes I ran, Figo offers some of the most budget-friendly premiums for Shiba Inu puppies for lower coverage (70% reimbursement, a $5,000 payout, and a $750 deductible). However, their rates are generally average when it comes to including exam fee coverage. For older Shibas and those seeking higher coverage, the quotes can vary from average to above average.
| Pros | Cons |
|---|---|
| Among the most affordable starting premiums for Shiba puppies | Additional cost to get veterinary exam fee coverage |
| Impressive 1-day waiting period for accidents | Waiting periods for patella luxation and hip dysplasia coverage are 6 months |
| One of few providers to offer the option of 100% reimbursement | |
| Includes pre-existing conditions that can be resolved after a year without any symptoms | |
| Wellness plan option | |
| Diminishing deductible of $50 each year you’re claim-free | |
| By insuring multiple pets, you can save 5% | |
| Older dogs can be enrolled at any age |
In-Depth Review Of Figo
Dive into my extensive review of Figo to uncover more details about this insurer’s coverage, customization options, reimbursement process, my personal experience, and more.
Best For Dental Benefits: Embrace
- Policy Options: Accident-Only, Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750, $1,000
- Annual Payout Options: $2,000, $5,000, $8,000, $10,000, $15,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Embrace
Shiba Inus’s small mouths make them vulnerable to various dental issues. Because of their crowded jaws, they are more susceptible to dental disease and misaligned teeth at a young age. Embrace distinguishes itself in the pet insurance marketplace by providing outstanding dental benefits that cover more non-routine dental issues than most: dental injuries, tooth infections and extractions, endodontic and periodontal diseases, and much more. Additionally, Embrace includes $1,000 yearly coverage for dental issues at no extra cost, which sets them apart from many other providers.
But to avoid ongoing dental problems, Shibas should have yearly professional dental cleanings — you can get assistance with those costs by adding on one of Embrace’s wellness packages. Additionally, behavioral and complementary therapies are covered under all Embrace policies. To get the most complete coverage for your pet, you can also include coverage for veterinary exam fees and prescription medications.
Expert Price Analysis
When I compared quotes for Shiba Inus, Embrace offered competitive pricing for lower coverage options ($750 deductible, 70% reimbursement, and $5,000 payout). Compared to other insurers providing comparable options, rates for higher coverage ($100 deductible, 90% reimbursement, and unlimited payouts) were frequently higher than average.
| Pros | Cons |
|---|---|
| Among the best dental benefits available in the pet insurance marketplace | Additional costs to get veterinary exam fee and prescription med coverage |
| By insuring multiple pets, you can save 10% | Some Shibas aren’t insurable due to location and age (e.g., dogs over 5 aren’t eligible for coverage in California) |
| Diminishing deductible of $50 each year you’re claim-free | Waiting periods for patella luxation and hip dysplasia coverage are 6 months |
| Includes pre-existing conditions that can be resolved after a year without any symptoms | |
| 5-day average claim processing | |
| 3 wellness plan options |
In-Depth Review Of Embrace
Check out my full review of Embrace to learn more about the insurer’s wide-ranging coverage, customization options, reimbursement process, and additional features.
Most Affordable: Lemonade
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750
- Annual Payout Options: $5,000, $10,000, $20,000, $50,000, $100,000
- Reimbursement Options: 60%, 70%, 80%, 90%
Lemonade Pet Insurance Is NOT Available In: AK, DE, HI, ID, KS, KY, LA, ME, SD, VT, WV, WY
Why I Picked Lemonade
Lemonade has become popular for dog owners looking for budget-friendly pet insurance. Their basic plan stands out for its low price, making it one of the most affordable options for Shiba Inus. For those seeking more extensive coverage, Lemonade provides a variety of reasonably priced add-ons for vet exam fees, dental illness, complementary treatments, behavioral therapy, and end-of-life care.
Even though Lemonade is a relative newcomer to the pet insurance scene, having started in 2020, it has quickly built a strong reputation. Customers love the fast claims processing, which can be completed in just a few minutes for simple claims.
Expert Price Analysis
According to my quotes, Lemonade regularly provides some of the most affordable rates for Shiba Inus’s lower to mid-range coverage. Their costs remain competitive even after accounting for veterinary examination fees. However, when I included all add-ons, their maximum coverage (90 percent reimbursement, $100 deductible, and $100,000 payout) was often average to above average.
| Pros | Cons |
|---|---|
| Affordable lower to mid-level coverage policies for Shiba Inus | Only available in 38 states and Washington, D.C. |
| By insuring multiple pets, you can save 5% | Additional costs to get coverage for veterinary exam fees, complementary treatments, behavioral therapy, dental disease, and end-of-life care |
| 2-day average claim processing | |
| Includes pre-existing conditions that can be resolved after a year without any symptoms | |
| 2 wellness plan options | |
| Waiting periods for patella luxation and hip dysplasia coverage are only 30 days |
In-Depth Review Of Lemonade
For additional information about this provider’s base plan, optional add-ons, customization options, AI-powered claim processing, and other features, see my in-depth review of Lemonade.
Best For Vet Direct Pay: Trupanion
- Policy Options: Accident & Illness
- Lifetime Per-Condition Deductible Options: $0 – $1,000 (in $5 increments)
- Annual Payout Options: Unlimited
- Reimbursement Options: 50%, 60%, 70%, 80%, 90%, 100%
Why I Picked Trupanion
The fact that pet owners must first pay the entire veterinary bill and then have to wait for reimbursement from the insurance company can be a significant obstacle with pet insurance. Some pet owners may experience financial hardship as a result. VetDirect Pay is a cutting-edge solution from Trupanion that can be easily incorporated into your veterinarian’s payment system to settle bills immediately. You can urge your veterinarian to use VetDirect Pay if they still need to.
Trupanion is the only pet insurance company that enables immediate payment to your veterinarian at the time of service. However, remember that you will still be responsible for paying your copay and deductible. VetDirect Pay can allay your worries about controlling veterinary expenses during diagnosis and treatment, especially considering Shiba’s propensity for costly health problems.
Expert Price Analysis
While looking at quotes for Shiba Inu insurance premiums, I discovered that Trupanion’s rates were significantly higher, often two to three times more than what other companies charge for comparable coverage.
| Pros | Cons |
|---|---|
| Provides unlimited annual and lifetime payouts | Premiums for Shibas are significantly higher than other insurers |
| The usual wait for reimbursement is eliminated with VetDirect Pay | No coverage available for veterinary examination fees |
| Waiting periods for patella luxation and hip dysplasia coverage are only 30 days | Lengthy illness waiting period of 30 days |
| Includes pre-existing conditions that can be resolved after a year without any symptoms | Age cap of 14 years old for enrollment |
| 2-day average claim processing |
In-Depth Review Of Trupanion
For more detailed insights into this insurer’s unique VetDirect Pay feature, coverage and benefits, waiting periods, and other important information, be sure to read my thorough review of Trupanion.
What Type Of Pet Insurance Plan Is Best For Shiba Inus?
There are two categories of pet insurance policies: accident-only plans and plans that provide coverage for both illnesses and accidents. Furthermore, some insurance providers offer optional wellness plans when you sign up. While these wellness plans aren’t classified as insurance, they can effectively help manage the expenses associated with routine check-ups and preventive care, ensuring your Shiba remains in optimal health.
| Accident-Only | Accident & Illness | Wellness | |
|---|---|---|---|
| Injuries (wounds, fractures, eye trauma, foreign body ingestion, accidental poisoning, etc.) |  | | |
| Diseases (patellar luxation, hip dysplasia, allergies, epilepsy, dental illness, hereditary eye disorders, etc. ) | | ||
| Preventative (annual wellness exams and labwork, vaccinations, dental cleaning, etc.) | |
What Are Accident-Only Pet Insurance Plans?
An accident-only insurance plan is an excellent option for those working with a limited budget who want to ensure their dog gets emergency treatment for issues such as intestinal blockages, head or neck injuries, accidental poisoning, cuts, and fractures. These plans can also be suitable for pets with pre-existing health conditions, which are usually excluded from standard accident and illness policies. However, it’s important to remember that only a handful of insurance providers offer accident-only coverage.
Pricing Tip – The premiums for insurance policies that only cover accidents are usually much lower than those for plans that cover both accidents and illnesses.
What Are Accident & Illness Pet Insurance Plans?
Accident and illness plans provide outstanding health insurance protection for your dog. These policies cover not just injuries but also a wide range of illnesses and genetic issues that can impact Shibas, such as allergies, patellar luxation, gum disease, chylothorax, epilepsy, hypothyroidism, and others. With this insurance in place, you’ll be ready to face almost any health obstacle that your beloved pet may experience.
What Are Wellness Plans?
Combining a wellness plan with your pet insurance is a smart strategy for ensuring your pet’s health is well-managed. These plans help offset expenses for essential preventive services like yearly check-ups, vaccinations, dental cleanings, and more. By having a wellness plan, you can ensure your beloved pet receives all the preventive care necessary, including the early detection of serious health issues.
It’s important to note that wellness plans differ from pet insurance; they focus solely on preventive care and do not cover costs related to illnesses or accidents.
What Does Pet Insurance Cover & Exclude?
The following conditions, diagnostics, and treatments, when recommended by a veterinarian, are covered by most providers’ accident and illness plans. It’s crucial to keep in mind, though, that coverage can vary significantly between insurers. To fully understand the extent of your coverage, it is essential to carefully review your policy, as each company may place unique restrictions on particular conditions.
| Covered | Excluded |
|---|---|
| Blood tests | Boarding |
| Cancer (chemo & radiation) | Cremation & burial costs |
| CT scans | Elective procedures (e.g., declawing, ear cropping, spaying/neutering, tail docking, etc.) |
| Chronic conditions | Food & supplements |
| Congenital conditions | Grooming |
| Emergency care | Pre-existing conditions* |
| Euthanasia | Pregnancy & breeding |
| Hereditary conditions | Vaccines |
| MRIs | |
| Non-routine dental treatment | |
| Prescription medications | |
| Rehabilitation | |
| Specialized exams & care | |
| Surgery & hospitalization | |
| Ultrasounds | |
| X-rays |
Learn More About Pet Insurance Coverage
I recommend reading my in-depth guide on pet insurance coverage because it can be challenging to understand what pet insurance covers and excludes.
What Determines The Cost Of Pet Insurance For Shiba Inus?
The cost of pet insurance can be influenced by several factors. Here’s a brief overview to help you understand why premiums vary.
- One of the most significant factors affecting pet insurance premiums is your dog’s age. Generally, younger dogs are less likely to have health issues, resulting in lower insurance costs than older dogs.
- Additionally, the cost of living in your area plays a crucial role in determining insurance rates. Higher living costs can lead to increased expenses for veterinarians, which raises both your vet bills and pet insurance premiums.
- The breed of your dog is another important consideration. Some breeds are more susceptible to expensive health problems, and purebreds often face more health challenges, which can drive up insurance costs.
- Male dogs may incur higher insurance costs than females. This is often due to their larger size, which can necessitate more medication and medical supplies. However, not all insurance providers take gender into account when setting premiums.
While many of these factors are beyond your control, there are still numerous ways to customize your pet insurance policy to fit your needs and budget. Let’s explore how you can make this work for you.
Customization Options Affect Cost & Benefits
Numerous pet insurance companies offer a variety of adaptable choices to fit your spending limit and your Shiba’s particular needs. First, you have the option of choosing a plan that only covers accidents or one that also covers illnesses. You can also change the maximum payout you are eligible for, the reimbursement percentage, and the deductible. It’s critical to comprehend how these changes affect your overall coverage and benefits.
What Is A Maximum Payout?
The pet insurance industry offers two primary types of maximum payouts: annual and lifetime. An annual payout refers to the maximum amount the insurance provider will cover for your pet’s medical expenses within one policy year. On the other hand, a lifetime cap represents the total amount the insurer will pay for your pet’s healthcare throughout their entire insured life. The companies mentioned in this article offer annual payout plans, typically featuring options of $5,000, $10,000, and unlimited coverage.
Pricing Tip – Choosing a lower payout option can lower your monthly premium. Just keep in mind that if your dog’s veterinary bills go beyond your annual limit, you’ll need to pay the additional expenses out of pocket.
What Is A Deductible?
The deductible represents the fixed amount you need to pay before your insurance company starts to cover your pet’s veterinary costs. While most insurers use an annual deductible, Trupanion stands out by implementing a deductible for each condition. Typical deductible amounts range from $100, $250, or $500, but they can also be as low as $0 or as high as $1,000. Let’s dive into how these two types of deductibles work.
- Annual deductible: This type involves paying a set amount each year, regardless of how many health issues your pet may face or the number of required treatments. This approach provides a level of predictability, making it easier to budget and manage your pet’s healthcare costs.
- Lifetime per-condition deductible: With this type, you must pay a deductible for each new medical issue or emergency that arises for your pet. As a result, expenses can accumulate rapidly if your dog encounters multiple health problems within a policy year. On the upside, for ongoing chronic conditions like allergies, epilepsy, and hypothyroidism, you only need to meet the deductible once for that specific issue during your pet’s insured lifetime.
Pricing Tip– Opting for a lower deductible means you’ll incur fewer upfront costs for your dog’s medical care, but it will raise your monthly insurance premium.
What’s The Reimbursement Percentage?
The portion of your veterinary costs that your insurance covers after you meet your deductible is based on the reimbursement rate you select. For example, if you choose a $500 deductible with a 90% reimbursement rate, you’ll pay the initial $500 yourself and 10% of the total bill as your copay. The insurance provider will then reimburse you for the remaining 90%. Typical reimbursement rates include 70%, 80%, and 90%.
Pricing Tip – Choosing a higher reimbursement rate will result in a higher monthly premium, but it also means you’ll have reduced out-of-pocket expenses when your pet needs medical attention.
Learn More About Pet Insurance Costs
Check out my in-depth article on pet insurance costs to understand how your choices affect both your coverage and premium rates.
How Much Is Pet Insurance For A Shiba Inu?
To obtain personalized pet insurance quotes from several top-rated providers, simply complete the form below with your zip code and details about your Shiba. While getting a quote specifically for your dog is ideal, I’ve also gathered sample quotes for Shiba Inus to help you understand the cost variations.
According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. is $62.44 ($32.10 for cats).
I collected various quotes for Shiba Inus, considering different locations and ages, to provide you with a rough estimate of monthly insurance premiums. These quotes feature similar customization options where applicable, allowing for a more precise comparison of premium costs among various providers.
| Company | 6mo old male 95818 (Sacramento, CA) | 1yr old female 14211 (Buffalo, NY) | 2yr old male 33604 (Tampa, FL) | 5yr old female 78731 (Austin, TX) | 8yr old male 07305 (Jersey City, NJ) |
|---|---|---|---|---|---|
| $31.48 | $20.70 | $23.35 | $35.38 | $87.21 |
| $40.59 | $26.25 | $30.86 | $54.19 | $80.91* |
| $43.13*§ | $26.47*§ | $37.04*§ | $55.26*§ | $61.13†§ |
| $36.82 | $36.57 | $29.22 | $49.06 | $110.57 |
| $32.41 | $38.38 | $33.34 | $51.66 | $76.97 |
| $28.77 | $23.48 | $21.46 | $21.96 | $48.75 |
| $67.67§ | $87.00§ | $128.36‡§ | $91.50§ | $169.75§ |
*80% reimbursement; †50% reimbursement and $1,000 deductible (no other options); ‡$0 deductible; §Unlimited annual payouts
Shiba Inu Insurance Cost: Lowest & Highest Amounts
I’ve also compiled quotes highlighting the lowest and highest insurance premiums from the same companies. These figures take into account factors like deductibles, reimbursement rates, annual payouts, and optional add-ons (excluding wellness plans). To demonstrate how insurance costs can vary based on a dog’s age at enrollment, I’ve included examples for Shibas at two different ages.
| Company | 2mo old 95818 (Sacramento, CA) | 5yr old 95818 (Sacramento, CA) | 2mo old 14211 (Buffalo, NY) | 5yr old 14211 (Buffalo, NY) | 2mo old 33604 (Tampa, FL) | 5yr old 33604 (Tampa, FL) | 2mo old 78731 (Austin, TX) | 5yr old 78731 (Austin, TX) | 2mo old 07305 (Jersey City, NJ) | 5yr old 07305 (Jersey City, NJ) |
|---|---|---|---|---|---|---|---|---|---|---|
| $14-$87 | $17-$104 | $9-$59 | $11-$70 | $12-$77 | $13-$84 | $15-$83 | $16-$90 | $20-$115 | $22-$125 |
| $27-$67 | $45-$115 | $22-$39 | $31-$67 | $21-$45 | $34-$77 | $23-$49 | $38-$83 | $23-$41 | $36-$69 |
| $26-$51 | $37-$74 | $20-$32 | Uninsurable | $16-$40 | $30-$75 | $28-$54 | $42-$66 | $25-$39 | $36-$57 |
| $16-$96 | $21-$124 | $15-$114 | $20-$149 | $12-$91 | $17-$132 | $13-$102 | $19-$147 | $20-$132 | $27-$172 |
| $12-$126 | Uninsurable | $13-$117 | $14-$120 | $13-$86 | $17-$112 | $16-$105 | $21-$137 | $16-$108 | $21-$141 |
| $15-$111 | $15-$115 | $14-$51 | $15-$94 | $15-$105 | $15-$109 | $16-$80 | $15-$78 | $17-$102 | $17-$105 |
| $41-$166 | $82-$355 | $47-$191 | $79-$340 | $33-$98 | $70-$210 | $30-$115 | $56-$234 | $36-$140 | $69-$293 |
What Are Waiting Periods For Shiba Inu Pet Insurance?
A waiting period is the interval between when you enroll in an insurance plan and when your coverage takes effect. This timeframe can differ from one insurance provider to another.* Generally, waiting periods for illnesses last around 14 days, whereas those for accidents can be anywhere from 0 to 15 days. However, many insurers enforce extended waiting periods for orthopedic conditions like hip dysplasia and patellar luxation, which are common in Shibas.
*States are gradually adopting a Model Law for pet insurance, aiming to standardize regulations, including uniform waiting periods. In California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, Washington, Rhode Island, and Maryland, waiting periods are:
- Accidents: 0 days
- Illnesses: 14 days
- Cruciate Ligament Conditions: 30 days
- Routine Care: 0 days
Learn More About Waiting Periods
Find out why waiting periods exist and read through other important details in my guide to waiting periods for pet insurance.
How Does Pet Insurance For Shiba Inus Work?
It’s easy to use your pet insurance after the waiting periods outlined in your policy are over.
- After the treatment is complete, settle your dog’s vet bill.
- Next, send a completed claim form to your insurance company along with a thorough receipt. Some insurers require your veterinarian’s signature on your claim form, so bringing a copy to your appointment might be helpful.
- After your claim is accepted, you will be reimbursed* using the payment method of your choice, be it a check, direct deposit, or another method.
*Remember that the reimbursement timeframe can vary greatly, ranging from a few minutes to several weeks. The insurance company’s stated processing timeframes and the intricacy of your claim determine this variance.
12 Health Issues In Shiba Inus
Shiba Inus usually have a lifespan of 13 to 16 years and tend to be healthier compared to many other purebred dogs. Nevertheless, this doesn’t guarantee they won’t face significant health problems. When thinking about pet insurance for your Shiba, it’s important to be aware of the potential health risks and the financial obligations that may arise from them.
- Shiba Inus frequently experience patellar luxation, often a recurring condition in which the kneecap dislocates. Over half of affected dogs have this issue in both of their hind knees. To resolve these knee problems, surgery is often necessary, typically ranging from $1,500 to $3,000 for each knee.
- Despite their small stature, elbow and hip dysplasia are common in Shiba Inus. Dysplasia arises when the bones do not align correctly within the joint socket. Often, surgical intervention is necessary, with costs between $1,700 and $4,500 for each affected joint.
- Shiba Inus are notoriously prone to atopic dermatitis (atopy), which leads to persistent itchy skin, infections, and hot spots. The costs associated with diagnosis, testing, medications, specialized diets, creams, and various treatments can easily exceed $2,000 throughout a dog’s life.
- In addition to skin problems, atopy can cause recurring ear infections. Each time an infection occurs, the costs for diagnostic tests, medications, and initial and follow-up vet visits can reach or surpass $500.
- Shiba Inus are at risk for chylothorax, a disease that causes fluid to build up in the chest cavity, leading to breathing difficulties. If not treated promptly, it can result in lung and heart inflammation, metabolic issues, and a weakened immune system. The most effective treatment is surgery, ranging from $6,000 to $10,000.
- Uveodermatologic syndrome is an autoimmune condition that causes early graying of fur, loss of skin pigmentation, and various eye issues, such as uveitis and retinal detachment, which may result in blindness. Diagnostics usually cost between $500 and $1,500. Treatment typically includes corticosteroids to manage uveitis, with expenses ranging from $250 to over $1,000, depending on the specific medication required.
- Shiba Inus need plenty of physical activity and mental engagement to thrive. Without sufficient exercise and stimulation, they may develop anxiety, aggression, and undesirable behaviors, such as consuming foreign objects. This can lead to a severe intestinal blockage that necessitates urgent medical attention. The costs for diagnosis and treatment can range from $800 to $7,000, depending on the severity of the situation.
- This breed is susceptible to various hereditary eye issues, including cataracts, glaucoma, and distichiasis. The cost of treating glaucoma can exceed $2,000, while cataract surgery typically ranges from $2,600 to $3,800. Distichiasis surgery costs around $1,500 to $2,000 for each eye.
- Epilepsy disrupts the regular electrical activity in a dog’s brain, resulting in seizures. In straightforward cases, you can anticipate an annual expense of around $500 to $1,000 for medications and routine veterinary appointments. On the other hand, more complicated cases may necessitate additional checkups and more expensive drugs, with yearly costs ranging from $1,000 to $5,000.
- Hypothyroidism occurs when the thyroid gland does not generate enough hormones, necessitating lifelong medication that costs between $20 and $50 each month, along with routine checkups and yearly retesting, which usually ranges from $50 to $100.
- Like many small dog breeds, Shiba Inus are susceptible to dental disease that can arise early in life, primarily because of their compact jaws and closely packed teeth. To combat this, preventing gum disease is crucial. Establishing a regular home dental care routine is vital, alongside professional cleanings, which can range from $300 to $700 each year—costs that a wellness plan can assist with.
- GM1 gangliosidosis is a progressive disorder that impairs the brain’s nerve cells, causing vision loss, head tremors, walking and balance issues, and weight loss by 6 months of age. The average cost for supportive medical therapy is $1,500, but dogs with GM1 usually die by 18 months of age.
Is Pet Insurance Worth It For Shiba Inus?
Here are some important statistics to keep in mind. A 2022 breed health survey of nearly 590 Shiba Inu owners conducted by the U.K. Kennel Club highlighted that the most prevalent health concerns included behavioral issues (30.3%), environmental allergies (13.3%), skin and coat problems (12.7%), ear conditions (12.5%), muscle, bone, and joint issues (11.5%), eye infections or disorders (10.4%), and digestive problems (9.5%).
Additionally, the 2023 testing results from the Orthopedic Foundation for Animals (OFA) indicated that close to 7% of Shiba Inus tested positive for hip dysplasia, over 8% for elbow dysplasia, nearly 7% had dental issues, 5% for patellar luxation, and more than 20% with at least one eye abnormality.
Clearly, Shibas are susceptible to some costly health challenges, making pet insurance a worthwhile consideration. With the best coverage, you can ensure that your furry friend receives the necessary medical attention during unforeseen health emergencies. Remember that many pet insurance policies do not cover pre-existing conditions, so obtaining insurance for your dog before any health issues develop is advisable.
Determine If Your Shiba Inu Needs Insurance
If you’re still debating, check out my guide on whether pet insurance is worth it to help you make a more informed decision.
5 Steps To Find The Best Pet Insurance For Shiba Inus
Here’s a list of essential factors to consider when selecting the best insurance for your dog.
- Begin by investigating the reputation of the insurance companies you’re considering. Typically, well-established providers with a proven track record are more dependable than newer entrants in the market.
- Get acquainted with the common health concerns that Shibas might encounter, and carefully examine the policy specifics to see how each condition is addressed.
- Decide if you want an accident-only policy or a comprehensive plan covering illnesses and accidents.
- Understanding the reimbursement process and the average time it takes for each provider to process claims is also vital.
- Finally, to compare pet insurance costs effectively, obtain quotes from at least three different insurance companies.
Methodology
To determine the best pet insurance for Shiba Inus, we analyzed more than 40 U.S. pet insurance companies to provide an unbiased breakdown of how providers compare against one another. Our in-depth research includes:
- Running thousands of price quotes
- Reading hundreds of customer reviews
- Scrutinizing every policy from top to bottom and reading all the fine print
- Scoping out the purchase process
- Speaking with customer service representatives
- Having firsthand experience submitting claims with companies
- Comparing plan customization details
- Examining how long it takes to receive reimbursement
- Factoring in company history and years in the pet insurance marketplace
- Meeting with company representatives to discuss changes related to the industry, their company, and their offerings
- Requiring national experience for companies
Unlike many other review sites, we refuse to let pet insurance companies pay for the top spot in our rankings. Companies must earn their position in our comparisons by performing well in the marketplace. We also point out each company’s pros and cons in light of their competitor’s strengths. In doing so for over a decade, we’ve helped pet parents make more educated decisions among the top pet insurance options. Pet insurance providers read our reviews, regularly check them for accuracy, and value our input to help create positive industry changes and better protect your pets. We only recommend the best of the best because it’s what our readers deserve.
Additional Pet Insurance Resources
- Best Pet Insurance
- Is Pet Insurance Worth It?
- What Does Pet Insurance Cover?
- How Much Does Pet Insurance Cost?
- Best Pet Insurance For Pre-Existing Conditions
Why Trust Canine Journal?
Canine Journal has been covering the topic of pet insurance since 2012, well before other conglomerates discovered the rising popularity of health care for our pets. Many of our authors have personal experience with pet insurance, including Kimberly Alt, who has been Canine Journal’s go-to writer for pet insurance for over a decade, having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head, she can find it within minutes due to her vast list of resources. Kimberly also has extensive knowledge of dog health conditions, which can help her recommend pet insurance providers to pet owners with specific breeds.
Kimberly collaborated with Sally Jones, a seasoned health sciences communications professional with decades of experience. Sally specializes in dog health and is adept at producing content on technical topics such as pet insurance. Her wealth of knowledge and insight played a crucial role in this article’s thorough research and composition.
Kimberly also consulted with Michelle Schenker, Canine Journal’s in-house licensed insurance agent, for additional expertise to ensure accuracy and give Canine Journal the authority to write about and assist readers in purchasing policies that are accurately represented.
