small Toy 3/10 — Low Risk
Papillon
Monthly $15–$32
Risk Score 3/10
Size small
FriendlyAlertHappyIntelligent
Papillon at a Glance
Breed Characteristics
Lifespan
14–16 years
Weight
5–10 lbs
Height
8–11 inches
Exercise Needs
moderate
Grooming Needs
moderate
Trainability
high
Good with Kids
Yes
Good with Other Dogs
Yes
Apartment Friendly
Yes
Health Risks & Common Conditions
3 /10
Papillon Health Risk Score
Patellar Luxation
ModerateThe kneecap dislocates causing lameness, common in small breeds but less frequent in Papillons than other toys.
Avg. Treatment: $3,000
Dental Disease
HighSmall mouths lead to overcrowded teeth and tartar buildup requiring regular dental care.
Avg. Treatment: $800
Progressive Retinal Atrophy
LowInherited eye condition causing gradual vision loss. Responsible breeders test for this condition.
Avg. Treatment: $2,000
Recommended Genetic Tests
- Patella Evaluation
- Ophthalmologist Evaluation
- Cardiac Exam
Insurance Costs for Papillon
Monthly Cost
$15–$32
Avg. Annual Claim
$480
Claim Frequency
below average
Suggested Deductible
$250
Coverage Highlights
Dental coverage recommended Orthopedic coverage for patellar luxation Generally healthy breed with lower premiums
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 Papillon 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 Papillon Insurance
Pet insurance for a Papillon typically costs between $15 and $32 per month. Papillons are one of the healthiest toy breeds, which keeps insurance costs relatively low.
Yes, Papillons are among the healthiest small breeds with a long lifespan of 14-16 years. Their main concerns are dental disease, patellar luxation, and occasional eye issues.
Pet insurance is a smart investment for Papillons. While generally healthy, dental procedures and potential patellar luxation surgery can cost $800-$3,000, making insurance worthwhile.
