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5 Best Pet Insurance for Shar Peis (2022 Reviews)

dog insurance by breek
Updated on

Shar Pei parents all over the United States are aware that their dogs, like most others, will probably experience a medical emergency at some time in their lives. Since the costs of urgent veterinary services can be astronomical, many dog owners opt for the added coverage that pet insurance provides. We have done extensive research to help you find the best pet insurance policy for your best buddy.

shar peis pet insurance
Wrinkles never looked so cute!

5 Top Pet Insurance Companies Compared for Shar Peis

  • 1

    Best overall

    Our score
    Average price for
    Shar Peis
    Reimbursement amount 90%
    Annual benefit $20,000
    • Lemonade features the overall best Shar Peis 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
    Shar Peis
    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
    Shar Peis
    Reimbursement amount 90%
    Annual benefit $5,000
    • Figo provides free 24/7 telehealth services to Shar Peis 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
    Shar Peis
    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 Shar Peis 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
    Shar Peis
    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 Shar Pei Pet Insurance

  • 1. How much does pet insurance cost for Shar Peis?

    Shar Pei pet insurance costs anywhere from $24 to $100 on a monthly basis. Your Shar Pei’s premiums are calculated based on their breed, age, health and standard veterinary fees in your state.

  • 2. What does pet insurance typically cover for Shar Peis?

    Every pet insurance company’s coverage will have unique offerings specific to them. That said, you can expect that any accidents and illnesses your Shar Pei may have that are sudden and catastrophic will fall under coverage via your primary insurance policy. In such an event, reimbursements will be made for emergency care, tests, physical exams, diagnostic procedures, medication and surgery.

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

    It is typical for pet insurance providers to allow the cancellation of policies at any time. Should you need to cancel your Shar Pei’s, ask your insurance company which steps they need you to take to do so.

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

    As a rule, pet insurance companies do not include coverage for spaying and neutering in their standard health plans. However, if this is an important aspect of dog insurance for you, Embrace has an optional wellness package that will reimburse for either of these surgeries.

  • 5. Does the cost of insurance increase as my Shar Pei ages?

    Yes, your Shar Pei’s insurance premiums will go up as they age, and these rate hikes will become more significant once your dog reaches 4 or 5 years old. The changes in premiums help providers offset the increased risk that your Shar Pei may develop a chronic condition or become sick the older they get.

  • 6. Which companies cover pre-existing conditions?

    Pawp is the leading pet insurance company for pre-existing conditions, particularly in the case of emergencies. Embrace also covers some curable pre-existing conditions but on a more limited basis. It is always prudent to follow up with these providers to gain further insight into what their plans include and exclude. Be aware that most pet insurance providers do not extend coverage to pre-existing conditions at all.

  • 7. Is pet insurance worth it for Shar Peis?

    Shar Pei owners may find pet insurance beneficial because it provides a financial security net, especially during medical emergencies where veterinary services tend to cost a small fortune. Let’s take hip dysplasia, for example. This is one of the most common afflictions from which Shar Peis suffer, and its only remedy is hip replacement surgery. Without said operation, the pain your dog experiences may inhibit their ability to walk and climb stairs. Such an operation can cost up to $7,000. The same is true for cataracts, which can lead your Shar Pei to go blind if left untreated. Cataract surgery runs as high as $4,000. While these are only two of the innumerable potential ailments that could strike, they demonstrate the usefulness of pet insurance. The right policy could eliminate a tremendous amount of stress that would inevitably ensue from such emergencies.

More Details About Pet Insurance for Shar Peis

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade offers several perks that appeal to dog parents across the board, including affordable rates, various optional wellness packages and dynamic accident and illness coverage. They also prefer to keep the claims process simple by featuring a straightforward claim-filing system on their world-class mobile app. Another aspect of Lemonade’s coverage that pet parents will appreciate is their short 2-day accident waiting period. Furthermore, anyone who purchases a homeowners’ or renters’ policy along with their dog’s policy will receive a discount.

    Keep in mind: For those Shar Peis that are older or have pre-existing conditions, expect to submit veterinary documentation detailing your dog’s medical history.

    Good for: Almost all Shar Peis, especially the young and healthy. 

    Average price for Shar Peis: $38.75/month 

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo issues some of the swiftest reimbursements of any provider, which they process via direct deposit, PayPal, or Venmo. They will also cover as much as 100% veterinary fees for the rest of the year after you have met your deductible. Moreover, Shar Pei parents will enjoy having the freedom to take their dogs to any licensed veterinarian they want. And if that weren’t enough, they give discounts to any dog owners who insure more than one pet or renew their policies without reimbursements in the year before.

    Keep in mind: Lifetime benefits are capped at $100,000. If your dog’s care reimbursements exceed this amount, they will no longer be eligible for coverage.

    Good for: Shar Pei owners who want a balance of routine and emergency care. 

    Average price for Shar Peis: $53.22/month 

  • 3. Figo

    (Best live vet support)

    Why it’s great: Figo gives pet parents the best televet services out there, which are available 24/7 via the mobile app at no extra charge. Another bonus is that all policies have unlimited lifetime benefits and do not restrict how much can be spent to treat specific conditions. Shar Pei owners will also enjoy the diverse selection of wellness plan add-ons, including an option that will cover $250 of prescription food should vets deem it necessary for their dogs’ health. Figo also has a speedy claim-review process, making for timely reimbursements.

    Keep in mind: Figo does cover pre-existing conditions.

    Good for: Shar Pei parents who want free 24/7 televet services with their dog insurance. 

    Average price for Shar Peis: $99.98/month 

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: With Pawp’s emergency fund, you can protect as many as 6 of your pets for only $24/month. The best part is there are no restrictions on breed, age or medical history. Other benefits include pet expert consultations and free 24/7 telehealth services. Like those of most other breeds, Shar Pei parents will enjoy that Pawp has no copays, credit checks, or deductibles. All pet owners have the freedom to choose their best pals’ veterinarians.

    Keep in mind: The fund only extends coverage to true emergencies as qualified by Pawp’s virtual team of veterinarians. It will also only pay for one bill under $3,000 for one of your pets over the course of a year.

    Good for: Senior Shar Peis or those with pre-existing conditions. It would also make a solid supplement to a more typical pet insurance policy. 

    Price: $24/month 

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace is popular amongst Shar Pei parents for many reasons, not least their uncapped lifetime benefits, multiple pet discounts and diminishing deductibles. The latter means that your deductible will decrease by $50 each time you renew your policy without claim reimbursements in the year before. And should you wish to avail your dog of alternative veterinary treatments such as reiki, acupuncture, chiropractic or massage therapy, the optional wellness plan may be worth adding to your standard policy.

    Keep in mind: The annual combined claims total for the wellness package is $650. Whatever remains unused at the end of the year will not be reimbursed.

    Good for: Shar Pei owners who would like pet insurance coverage to include alternative, new-age veterinary care. 

    Average price for Shar Peis: $74.98/month 

Best Overall

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


We hope this information has been helpful in your search for the right pet insurance provider for your beloved Shar Pei. We recommend reaching out to the companies you believe are the best matches to learn more about what their pet health plans include and exclude before you apply for coverage. Purchasing the best pet insurance will give you the financial protection necessary to ensure that whenever your dog needs the best life-saving treatments and procedures possible, they’ll be able to have them. We know that you would like to have as many happy and fun-filled years with your Shar Pei, and pet insurance can help make that possible.