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5 Best Pet Insurance for Lhasa Apso Dogs (2022 Reviews)

dog insurance by breek
Updated on

Lhasa Apso owners across the United States understand that their dogs are vulnerable to having veterinary emergencies throughout the course of their lives. As a result of costly urgent care fees, many people invest in pet insurance as a financial buffer. Pet insurance can give your dog access to vital care and treatments that may not otherwise be within reach. And since we know how much you love your dog, we have done extensive research on the best pet insurance for Lhasa Apsos to save you time, energy and money.

Lhasa Apso dog insurance
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5 Top Pet Insurance Companies Compared for Lhasa Apso Dogs

  • 1

    Best overall

    Our score
    Average price for
    Lhasa Apso Dogs
    Reimbursement amount 90%
    Annual benefit $20,000
    • Lemonade features the overall best Lhasa Apso Dogs pet insurance plan at the most competitive rates

    • Claims can be paid in under 60 seconds via their world-class app. I was blown away by how quickly they approved my claim and how much they paid

    • Lemonade is a certified B-corp that donates a significant portion of their unclaimed premiums to pet parents’ preferred non-profit organizations

  • 2

    Best for wellness

    Our score
    Average price for
    Lhasa Apso Dogs
    Reimbursement amount 90%
    Annual benefit $20,000
    • They are one of the few companies that reimburse up to 100% of veterinary costs and provide quick reimbursements

    • Wagmo’s top-notch wellness plans extend coverage to include your pet’s routine and preventative care

    • Wagmo offers instant coverage for cats and dogs in all 50 states, regardless of their age, breed, or any health conditions (with some limitations)

  • 3

    Best live vet support

    Our score
    Average price for
    Lhasa Apso Dogs
    Reimbursement amount 90%
    Annual benefit $5,000
    • Figo provides free 24/7 telehealth services to Lhasa Apso Dogs owners with licensed veterinarians and other essential professionals on call

    • Their pet records app and real-time claims tracker are easy and intuitive to use

    • Figo covers most ‘curable’ pre-existing conditions as long as the pet has been symptom-free for 12 months since their last treatment

  • 4

    Best for pre-existing conditions

    Our score
    Average price for
    Lhasa Apso Dogs
    Reimbursement amount 100%
    Annual benefit $3,000
    • Pawp allows you to protect up to 6 pets under one membership regardless of age or pre-existing conditions

    • Pawp membership gives Lhasa Apso Dogs pet parents access to an annual one-time use $3,000 Emergency Fund to cover unexpected accidents or illnesses

    • Pawp does not require copays, credit checks or deductibles

  • 5

    Best established brand

    Our score
    Average price for
    Lhasa Apso Dogs
    Reimbursement amount 90%
    Annual benefit $5,000
    • With Embrace’s “Healthy Pet Deductible,” your annual deductible drops by $50 every year you do not get reimbursed for a claim

    • Embrace has an easy-to-use claims portal and paid 92% of claims in 2021

    • Their Wellness Rewards is one of the most flexible preventative care plans available, offering a whole host of benefits, including training and grooming

Based on our personal experience and countless hours of research, we’ve found Lemonade Pet Insurance offers the ideal balance between coverage and unbeatable prices.

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FAQs about Lhasa Apso Pet Insurance

  • 1. How much does pet insurance cost for Lhasa Apsos?

    Lhasa Apso pet insurance rates cost between $25.25 and $62.58. These premiums are calculated with a number of factors in mind, such as your dog’s age, breed, health and the cost of veterinary services in your state.

  • 2. What does pet insurance typically cover for Lhasa Apsos?

    While coverage varies between providers, as a general rule, you can assume that any illness or accident that is sudden and catastrophic will be covered. You can expect reimbursements for exams, tests, other diagnostic procedures, medication, and surgery in such circumstances.

  • 3. Can I cancel my Lhasa Apso’s insurance plan after I make a claim?

    Insurance companies will let you cancel your Lhasa Apso’s policy at any time. It is always worth checking with your provider how to best go about doing so.

  • 4. Do pet insurance companies cover spaying and neutering?

    Most providers do not cover spaying and neutering. That said, if your Lhasa Apso needs such a procedure, Embrace features an optional wellness package that will cover it.

  • 5. Does the cost of insurance increase as my Lhasa Apso ages?

    Your Lhasa Apso’s insurance costs will increase as they age. Pet insurance providers raise rates to offset the elevated risk that your dog may become ill or develop a chronic condition as they get older.

  • 6. Which companies cover pre-existing conditions?

    It is not standard practice for pet insurance companies to cover pre-existing conditions. However, a few do, of which Pawp is the best, especially in emergencies. Embrace does as well but on a much more limited basis. It is a good idea to reach out to both of these providers to determine whether their offerings meet your Lhasa Apso’s needs.

  • 7. Is pet insurance worth it for Lhasa Apsos?

    Pet insurance benefits Lhasa Apsos as it does all breeds since most dogs have a medical emergency at some point in their lives. However, many people don’t realize that urgent veterinary care tends to be quite costly and unmanageable for most people. For example, a condition that many Lhasa Apsos suffer from is third eyelid abnormalities, also known as “cherry eye.” Surgery is the best remedy for this condition, but it can run up to $5,000 for both eyes. If left untreated, your little buddy could end up with permanent dry eye or chronic eye infections. Another and even more painful condition that plagues this breed is patellar luxation, a degenerative condition in which the kneecap slides out of its normal position, leaving your dog unable to bear weight or walk. The only true remedy for this is surgery, costing as much as $7,000 for both knees.

More Details About Pet Insurance for Lhasa Apsos

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade gives dog owners several impressive advantages, such as reasonable rates, dynamic illness and accident care and a selection of wellness plans. They also have an incredibly brief 2-day waiting period, one of the shortest around. They even created a simple claim-filing system that Lhasa Apso parents can access via the first-class mobile app. If you also purchase your renters’ or homeowners’ insurance from Lemonade along with a policy for your dog, you will receive a discount.

    Keep in mind: If your dog has a pre-existing condition, Lemonade may request that you submit documentation from your vet attesting to your dog’s medical history before you can get an active policy.

    Good for: Most Lhasa Apsos, particularly those that are young and healthy.  

    Average price for Lhasa Apsos: $25.25/month 

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo supports your Lhasa Apso’s wellbeing by reimbursing up to 100% of their vet fees for the rest of the year once you meet your annual deductible. On top of that, they have super-fast reimbursements, which they remit via PayPal, Venmo or direct debit. Another bonus of their coverage is that you can take your dog to any licensed veterinarian that you wish. Wagmo offers discounts to pet parents who insure multiple pets or renew their policies without any reimbursements in the last year.

    Keep in mind: The limit on lifetime benefits is $100,000. If your Lhasa Apso’s care exceeds this threshold, they will no longer be eligible for coverage.

    Good for: Lhasa Apso owners who want their insurance to cover a blend of emergency and wellness-related care.  

    Average price for Lhasa Apsos: $53.81/month 

  • 3. Figo

    (Best live vet support)

    Why it’s great: Figo provides their dog owners with the finest around-the-clock televet services, all readily available on the mobile app at no extra charge. More importantly, with uncapped lifetime benefits, your Lhasa Apso will remain eligible for coverage, regardless of how expensive their care may become over the years. Figo even has a versatile wellness plan that extends coverage to up to $250 worth of prescription food. Also, their quick claim-review process averages less than 3 days, thus helping you to get reimbursed faster.

    Keep in mind: Coverage does not extend to pre-existing conditions.

    Good for: Lhasa Apso owners who want their insurance to provide them with free, remote veterinary support services at no extra charge.

    Average price for Lhasa Apsos: $40.12/month

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp offers pet parents an emergency fund that protects as many as 6 animals from one household for a flat monthly fee of $24. The best aspect of this fund is that all pets, regardless of age, breed and medical history, are eligible. In addition, they get pet expert consultations and free 24/7 telehealth services. What’s more, Pawp streamlines their services by paying your vet bills for approved emergencies before you and your Lhasa Apso even leave the clinic and eliminating copays, credit checks and deductibles.

    Keep in mind: The emergency fund limits payments to only those Pawp’s virtual team of vets qualifies as true emergencies. Furthermore, it only covers a single vet bill of less than $3,000 for one pet over the course of a year.

    Good for: Senior Lhasa Apsos as well as those with persistent health issues. Makes an excellent supplement to conventional pet insurance. 

    Price: $24/month 

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace offers pet parents several advantages, including multiple pet discounts, unlimited lifetime benefits and diminishing deductibles. With diminishing deductibles, Lhasa Apso owners can expect their deductibles to decrease by $50 each time they renew their policy without having any reimbursements in the previous year. Moreover, Embrace’s wellness package covers alternative veterinary care, such as reiki, acupuncture, chiropractic and massage therapy.

    Keep in mind: The wellness plan’s combined claims total is $650, and any unused funds will not be reimbursed at the end of the year.

    Good for: Lhasa Apso parents who seek coverage for alternative veterinary treatments.  

    Average price for Lhasa Apsos: $41.99/month 

Best Overall

Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider for Lhasa Apsos and they also offer the best value.


We hope you have found the information you need to choose the right pet
insurance for your Lhasa Apso. We always encourage dog parents to research further what their preferred providers include and exclude from their coverage. Purchasing the best pet insurance can shield you from sky-high veterinary costs and ensure that your dog can get any level of care they may need in an emergency, regardless of price. It can also give added support for wellness and routine care so that you and your Lhasa Apso get to enjoy many happy and healthy years.