Risk score 1.10× the average dog. Here is what that means in EUR.
Risk score 1.10x average| Condition / procedure | Ireland range | Insurance |
|---|---|---|
| Dental Cleaning with Extractions | €930–€2,170 | covered |
| Ear Infection Treatment | €95–€215 | covered |
| Skin Allergy Workup | €185–€560 | covered |
Average-to-elevated risk. Insurance is a reasonable default unless you keep a large emergency fund.
Run the calculator for a Shih TzuIreland's largest pet insurer; Lifetime plan covers ongoing conditions every renewal.
Get a quote →Three plan levels with vet-fee limits up to €6,500 and third-party liability included.
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 €12,085 in routine care plus a realistic share of breed-typical conditions, at 2026 Irish prices.
Modelled premiums (estimates, not quotes) run about €29–€47 a month for a puppy, rising with age and city.
That depends on what you could pay in cash. The breed's risk score is 1.10× average and the single worst bill we model is €4,960. The calculator compares that bill with your emergency fund and shows the expected net cost of insuring.