🇨🇦 Canada · small breed
Shih Tzu: vet costs & insurance
Risk score 1.10× the average dog. Here is what that means in CAD.
$58/motypical starter premium
$19,495estimated lifetime vet spend
$8,000worst single bill modelled
Insurance recommendedRisk score 1.10× the average dog. Here is what that means in CAD.
Insurance recommended| Condition / procedure | Canada range | Insurance |
|---|---|---|
| Dental Cleaning with Extractions | $1,500–$3,500 | covered |
| Ear Infection Treatment | $150–$350 | covered |
| Skin Allergy Workup | $300–$900 | covered |
Average-to-elevated risk. Insurance is a reasonable default unless you keep a large emergency fund.
Run the calculator for a Shih Tzu90% reimbursement, no payout limits, pays the vet directly at many Canadian clinics.
Get a quote →Covers exam fees, dental disease and behavioural therapy; flexible deductibles.
Get a quote →Disclosure: some links are referral links. They never change your price. We list insurers we would consider ourselves, not whoever pays most.
Around $19,495 in routine care plus a realistic share of breed-typical conditions, at 2026 Canadian prices.
Starter premiums run about $46–$75 a month for a puppy, rising with age and city.
Insurance recommended. The breed's risk score is 1.10× average, and the single worst bill we model is $8,000.