Does Your Shiba Inu Need Pet Insurance? (Solved)

Deciding to bring a Shiba Inu into your life is an exciting choice, but it also comes with a lot of responsibilities. Among the many decisions you’ll need to make is whether or not to get pet insurance for your new furry friend.

Pet insurance can provide peace of mind and financial security in case your Shiba Inu gets sick or injured. With the potential for costly veterinary bills, having coverage can save you a lot of stress and money in the long run. However, weighing the costs and benefits is essential to determine if pet insurance is the right choice for you and your Shiba Inu.

shiba inu laying in a crate with a cone on after surgery

There’s a lot to consider, such as your dog’s age, health, genetic predispositions, and your financial situation. By exploring these factors, you’ll be able to make an informed decision about pet insurance for your Shiba Inu.

How Does Pet Insurance Work?

When you decide to get pet insurance for your Shiba Inu, knowing how pet insurance works is essential. After selecting a plan from a pet insurance company, you’ll pay a monthly premium to maintain coverage for your furry friend. In the case of accidents or illnesses, the insurance company may cover a significant portion of the costs, depending on your plan and deductible.

What Pet Insurance Plans Cover

Pet insurance plans vary in their coverage, but most of them cover the following for your Shiba Inu:

  • Accidents: From broken bones to ingestion of foreign objects (very common among curious pups), pet insurance plans typically cover the cost of veterinary care for accidents.
  • Illnesses: Whether it’s a simple ear infection or a long-term condition like cancer, most plans cover the treatment of various illnesses.
  • Hereditary and Congenital Conditions: These are conditions that your Shiba Inu is born with or prone to due to genetics. Some plans include coverage for such conditions, but it’s essential to check the specific details of your plan.

What Pet Insurance Plans Do Not Cover

Although pet insurance offers multiple coverage options, it’s crucial to understand what they typically do not cover:

  • Pre-existing Conditions: If your Shiba Inu has a known health condition before you purchase insurance, the plan will likely exclude that particular condition from coverage.
  • Routine Care and Preventive Treatments: Pet insurance plans usually do not cover regular checkups, vaccinations, and other routine care. However, some companies offer separate wellness plans to help cover these costs.
  • Cosmetic Procedures: Pet insurance does not cover elective procedures like tail docking or ear cropping.

Remember, pet insurance is here to help you manage unexpected veterinary costs and ensure that your Shiba Inu receives the best care possible. Each plan may vary, so take the time to compare coverage and choose one that best suits your needs.

How Much Does Pet Insurance Cost?

Factors Affecting Pet Insurance Premium Costs

When considering pet insurance for your Shiba Inu, it’s essential to understand that the premium you’ll pay depends on several factors. These can include your dog’s breed, age, location, and the level of coverage you choose.

Typically, the younger and healthier your Shiba Inu, the lower your monthly premium will be. However, as your dog ages, you might find that certain conditions specific to their breed will impact your insurance costs.

Ways You Can Potentially Save Money

There are a few ways you can potentially save money on pet insurance for your Shiba Inu:

  • Bundle policies: Some insurers offer discounts if you have multiple pets or if you combine your pet insurance with other policies like home or car insurance.
  • Increase your deductible: Choosing a higher deductible will often lower your monthly premium, but you’ll have to pay more out-of-pocket before the insurance kicks in.
  • Look for discounts: You may find discounts for things like microchipping, spaying/neutering, or even being a member of specific pet organizations.
  • Comparison shop: Compare several pet insurance providers to find the best offers and coverage for your Shiba Inu.

How Does Pet Insurance Coverage Vary For Shiba Inus?

Pet insurance coverage varies depending on your insurer and chosen plan. Some plans cover accidents and illnesses, while others include preventative care like vaccinations and routine vet visits. Like other breeds, Shiba Inus may be prone to specific health issues, like hip dysplasia or patellar luxation.

It’s essential to find a plan that covers the conditions most common to your dog’s breed, so you’re well-prepared for any potential health issues that may arise.

Remember that some insurers may exclude particular conditions or restrict coverage for Shiba Inus due to their breed. Review all available policies and find one that best suits your dog’s needs and budget.

What Are The Pros And Cons Of Pet Insurance?

The Pros Of Having Pet Insurance

Pet insurance can benefit you and your Shiba Inu in numerous ways:

  • Financial security: Should your Shiba Inu require an expensive surgery or treatment, pet insurance can cover most, if not all, of the costs. This helps you avoid a potentially overwhelming financial burden.
  • Peace of mind: Knowing that you have insurance that can handle large expenses gives you the freedom to focus on your pet’s well-being instead of worrying about the financial aspect of their care.
  • Flexibility in choosing a vet: Most pet insurance policies allow you to choose any licensed vet, giving you more options for your Shiba Inu’s care.

The Cons Of Having Pet Insurance

However, there are some downsides to pet insurance that you should consider:

  • Premiums and deductibles: Monthly premiums and annual deductibles can add up over time, which could be a significant expenditure depending on the coverage you choose.
  • Pre-existing conditions: Pet insurance policies typically don’t cover pre-existing conditions, which means any issues your Shiba Inu might already have won’t be covered by the insurance.
  • Waiting periods and exclusions: There are often waiting periods before coverage begins, and certain illnesses or treatments may be excluded from coverage.

By weighing the pros and cons of pet insurance, you can make an informed decision about what’s best for you and your Shiba Inu.

Are There Any Alternatives To Pet Insurance?

You might be wondering if there are other options besides pet insurance for your Shiba Inu. Here are a few alternatives to consider.

Emergency Fund: Instead of purchasing a pet insurance policy, you can create an emergency fund specifically for your Shiba Inu’s unexpected veterinary expenses. Make sure to regularly contribute to this fund, and only use it for emergency situations. Building up a dedicated savings account gives you the financial flexibility to cover any sudden vet expenses without worrying about your regular household budget.

Veterinary Discount Plans: These are subscription-based services offering discounted veterinary care rates. Unlike pet insurance, you’ll pay a monthly or annual fee and receive discounts on various services, including routine care, dental cleanings, and treatments. Keep in mind that discount plans don’t usually cover catastrophic events or emergency treatments, so it might not be a suitable option if your Shiba Inu is prone to health issues.

Bundling Services: Some veterinary clinics offer wellness plans that package essential routine care services in exchange for a monthly or annual fee. These plans often include vaccinations, routine check-ups, and dental cleanings. Bundling these services could save you money, but remember that they usually don’t cover emergencies or serious medical conditions.

It’s important to weigh the costs and benefits to determine what’s best for your Shiba Inu and your personal finances. By exploring different options and developing a strategy that works for you, you can ensure that your furry friend is well taken care of without breaking the bank.

Is Pet Insurance Worth It For A Shiba Inu?

What Health Problems Are Common In Shiba Inus?

Shiba Inus are generally a healthy breed, but like any other dog, they can be prone to certain health issues. Some common health problems that may affect your Shiba Inu include:

  • Hip dysplasia
  • Patellar luxation
  • Allergies
  • Glaucoma
  • Progressive retinal atrophy (PRA)

Considering these potential health issues, it’s wise to think about pet insurance to help cover the costs of treating these conditions if they arise.

What Factors Affect Shiba Inu Insurance Premiums?

When you’re shopping for pet insurance for your Shiba Inu, you’ll notice that premiums can vary based on several factors. Some of the factors that may affect your Shiba Inu’s insurance premiums include:

  • Your dog’s age: Younger dogs generally have lower premiums because they’re less likely to have developed health issues.
  • Location: If you live in an area with high veterinary costs, your insurance premiums may be higher.
  • Deductible, reimbursement level, and annual limit choices: The more coverage you choose, the higher the premium will be.

To make an informed decision, research pet insurance providers, compare plans, and consider how the factors affecting premiums apply to your Shiba Inu.

Think about their breed, potential health issues, and personality, keeping in mind that pet insurance can provide you with peace of mind knowing that your furry friend is protected if unexpected health issues arise.

When Is It Too Late To Ensure A Dog?

Generally, insurers accept dogs up to 10-12 years old, but premiums may be higher for older dogs with more health issues. Insurance can still be a wise decision even for adult dogs, as Shiba Inus have a 12-15 year life expectancy.

Unexpected medical issues can arise at any age, so insurance provides financial protection and peace of mind. Some insurers may require a checkup for older dogs to assess their overall health and pre-existing conditions.


When considering pet insurance for your Shiba Inu, there are several factors to keep in mind. First, consider the breed’s health history and potential health issues. Shiba Inus are a generally healthy breed; however, they may be prone to certain conditions such as allergies, hip dysplasia, and patellar luxation. These issues can lead to expensive vet bills, so it’s important to weigh the cost of insurance against potential medical expenses.

Pet insurance can help cover the cost of unexpected injuries or illnesses. You may want to think about the type of coverage that suits your needs best, such as accident-only, accident and illness, or wellness plans. To get an idea of the cost, research and compare different pet insurance providers. Keep in mind that factors like your dog’s age, health history, and location can affect premium rates.

Pros of pet insurance for your Shiba Inu:

  • Financial peace of mind for unexpected vet bills.
  • Access to a wide range of treatments and procedures.
  • Some policies offer coverage for ongoing conditions, ensuring your pet receives consistent care.

Cons of pet insurance for your Shiba Inu:

  • Monthly premiums can be expensive.
  • Not all medical conditions may be covered, and some may have coverage limits.
  • Some providers may not cover pre-existing conditions or have waiting periods for coverage to start.

It’s essential to read the fine print when selecting a pet insurance policy for your Shiba Inu. Be aware of any limitations, exclusions, and deductibles that may apply. Additionally, make sure to ask about reimbursement options and claim processing times.

Frequently Asked Questions

Is It Better To Get Pet Insurance Or Put Money A Side?

Deciding between pet insurance or setting money aside for your Shiba Inu depends on your financial situation and risk tolerance. Pet insurance provides peace of mind, but if your pet stays healthy, you may pay more in premiums. Setting money aside can be a cheaper option if you’re ready for unexpected expenses.

Is It Worth Getting A Puppy Pet Insurance?

Pet insurance is a smart investment for your Shiba Inu puppy. It can cover unexpected costs and secure lower premiums. Even if your puppy is healthy, coverage is worth considering for their future well-being. Unexpected issues can happen anytime, and insurance can prevent financial stress.

When Should I Get My Puppy Insured?

It’s best to insure your Shiba Inu puppy as soon as you bring them home, since most policies have a waiting period before coverage begins. Starting early ensures coverage as they grow, and can lead to lower premiums, since insurance providers offer better rates for younger, healthier pets.

Colby Adkins

I am a proud Shiba Inu owner who is just looking to share any tips, tricks, or advice I have to help others.

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