small Toy 3/10 — Low Risk
Havanese
Monthly $15–$32
Risk Score 3/10
Size small
IntelligentOutgoingFunnyAffectionate
Havanese at a Glance
Breed Characteristics
Lifespan
14–16 years
Weight
7–13 lbs
Height
8.5–11.5 inches
Exercise Needs
moderate
Grooming Needs
high
Trainability
high
Good with Kids
Yes
Good with Other Dogs
Yes
Apartment Friendly
Yes
Health Risks & Common Conditions
3 /10
Havanese Health Risk Score
Patellar Luxation
ModerateKneecap dislocation common in small breeds, may require surgical correction.
Avg. Treatment: $3,000
Cataracts
ModerateHereditary cataracts can develop in young Havanese and may require surgery to restore vision.
Avg. Treatment: $3,500
Chondrodysplasia
LowA skeletal disorder causing abnormal bone growth. Genetic testing can identify carriers.
Avg. Treatment: $2,000
Recommended Genetic Tests
- BAER Testing
- Patella Evaluation
- Ophthalmologist Evaluation
- Hip Evaluation
Insurance Costs for Havanese
Monthly Cost
$15–$32
Avg. Annual Claim
$450
Claim Frequency
below_average
Suggested Deductible
$250
Coverage Highlights
Generally healthy breed with low premiums Eye condition coverage recommended Orthopedic coverage for patellar luxation
Insurance Provider Comparison
Compare coverage, costs, and ratings from top pet insurance providers
Best Overall
L
Lemonade
Monthly Premium
$20 - $80
Deductible $100, $250, $500
Reimbursement 70%, 80%, 90%
Hereditary Coverage
Covered
- Fast claims processing via app
- Customizable coverage plans
- Affordable base premiums
- Preventive care add-on available
- No exam fee coverage on base plan
- Limited availability in some states
- Newer company with less track record
Highest Rated
H
Healthy Paws
Monthly Premium
$25 - $90
Deductible $100, $250, $500, $750
Reimbursement 70%, 80%, 90%
Hereditary Coverage
Covered
- Unlimited annual and lifetime benefits
- No caps on claim payouts
- Fast claim processing (2-3 days average)
- Covers hereditary and congenital conditions
- No routine or preventive care coverage
- No dental coverage
- Longer waiting period for accidents than competitors
Best for Comprehensive Coverage
E
Embrace
Monthly Premium
$25 - $85
Deductible $200, $300, $500, $750, $1000
Reimbursement 70%, 80%, 90%
Hereditary Coverage
Covered
- Diminishing deductible (decreases $50/year with no claims)
- Covers exam fees
- Dental illness coverage included
- Wellness Rewards add-on for routine care
- Annual limits (no unlimited option)
- Premiums can increase with age
- Orthopedic conditions have 6-month waiting period
Best for Exotic Pets
N
Nationwide
Monthly Premium
$30 - $100
Deductible $250, $500, $750
Reimbursement 50%, 70%, 90%
Hereditary Coverage
Covered
- Whole Pet plan covers wellness and illness
- Only major insurer covering exotic pets
- Employer-sponsored plans available
- Long-established company since 1982
- Higher premiums than competitors
- Slower claims processing
- Benefit schedule plans pay less than expected
- 14-day waiting period for accidents
Best for Large Breeds
T
Trupanion
Monthly Premium
$30 - $120
Deductible $0, $100, $200, $500, $1000
Reimbursement 90%
Hereditary Coverage
Covered
- 90% reimbursement on all plans
- No payout limits per incident or lifetime
- Direct vet payment option at many clinics
- Covers hereditary and congenital conditions from day one
- Only 90% reimbursement option (no 70% or 80%)
- No wellness or routine care coverage
- 30-day waiting period for illnesses
- Higher premiums overall
Best Value
P
Pets Best
Monthly Premium
$18 - $75
Deductible $50, $100, $200, $250, $500
Reimbursement 70%, 80%, 90%
Hereditary Coverage
Covered
- Very affordable base premiums
- Low deductible options starting at $50
- Fast claims processing (5 days average)
- BestWellness plan for routine care add-on
- No dental coverage
- Customer service can be slow
- Lower annual limits on budget plans
- Premium increases with age can be significant
Protect Your Havanese Today
With a relatively low health risk profile, having the right insurance plan can save you thousands in unexpected vet bills.
Without Insurance
$1,344 /year estimated
- Full cost of emergencies out of pocket
- Difficult financial decisions during crises
- Unpredictable veterinary expenses
Recommended
With Insurance
$384 /year estimated
- Up to 90% of vet bills covered
- Peace of mind for emergencies
- Predictable monthly expenses
Get Your Free Quote
Plans from as low as $15/month
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Frequently Asked Questions About Havanese Insurance
Pet insurance for a Havanese typically costs $15-$32 per month. They are one of the healthiest small breeds, resulting in lower premiums.
Yes, Havanese are generally very healthy with a low risk score (3/10). Their main concerns are patellar luxation and hereditary cataracts, both of which are manageable.
Pet insurance is still worthwhile for Havanese. While healthy overall, unexpected accidents or conditions like cataracts ($2,500-$5,000 for surgery) can be costly without coverage.
