🇺🇸 United States · small breed
Shih Tzu: vet costs & insurance
Risk score 1.10× the average dog. Here is what that means in USD.
$49/motypical starter premium
$16,570estimated lifetime vet spend
$6,800worst single bill modelled
Insurance recommendedRisk score 1.10× the average dog. Here is what that means in USD.
Insurance recommended| Condition / procedure | United States range | Insurance |
|---|---|---|
| Dental Cleaning with Extractions | $1,275–$2,975 | covered |
| Ear Infection Treatment | $130–$300 | covered |
| Skin Allergy Workup | $255–$765 | 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 caps, pays many US clinics directly at checkout.
Get a quote →App-first, low base premiums, optional wellness add-ons for vaccines and dental.
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 $16,570 in routine care plus a realistic share of breed-typical conditions, at 2026 American prices.
Starter premiums run about $39–$65 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 $6,800.