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5 Best Pet Insurance for Yorkshire Terriers (2022 Reviews)

Yorkshir terrier enjoying nature
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Yorkshire Terrier parents from Indiana to California to Arizona and Florida know that their beloved dogs are as vulnerable to accidents or becoming ill as any other breed. In such emergencies, veterinary care can be quite expensive and is the main reason dog owners seek out the added financial protection that pet insurance provides. Through our extensive research, we have determined the best pet insurance companies for Yorkshire Terriers.

Yorkshire terriers enjoying the sunshine
Best buds enjoying the sunshine :)

5 Top Pet Insurance Companies Compared for Yorkshire Terriers

  • 1

    Best overall

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

  • 1. How much does pet insurance cost for Yorkshire Terriers?

    Pet insurance rates for Yorkshire Terriers range from $21.17 to $62.58 per month. Companies determine monthly premiums using several factors, including your dog’s age, breed, age and average veterinary costs in your state.

  • 2. What does pet insurance typically cover for Yorkshire Terriers?

    While there will always be some differences between providers, the industry standard is that accidents and illnesses considered sudden and catastrophic are covered. In such events, coverage will extend to physical exams, tests, medications, other diagnostic procedures and surgery.

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

    You can cancel your Yorkie’s policy at any time, regardless of which company insures them. Be sure to verify with your provider the necessary steps for cancellation.

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

    Pet insurance does not cover spaying and neutering. Should you wish to have it included in your Yorkie’s insurance, Embrace wellness package might be worth looking into as it reimburses for these operations.

  • 5. Does the cost of insurance increase as my Yorkshire Terrier ages?

    Dog insurance fees will increase as your Yorkie gets older and become particularly noticeable once they turn 4 or 5 years old. Insurance providers raise rates over time to help mitigate the heightened risk that your Yorkie may develop illnesses or chronic conditions as they age.

  • 6. Which companies cover pre-existing conditions?

    Pawp covers pre-existing conditions in emergencies more than any other pet insurance provider. That said, Embrace has some policy terms that allow some curable pre-existing conditions to be covered. We recommend collecting further information to verify what their plans include and exclude. Be aware that most pet insurance companies do not cover pre-existing conditions at all. However, the upshot is that your Yorkie will still be eligible for coverage, even if they have a pre-existing condition.

  • 7. Is pet insurance worth it for Yorkshire Terriers?

    Yorkshire Terriers can benefit immensely from pet insurance since, like most dogs, they are likely to experience medical emergencies at some point in their lives. Veterinary care in these instances tends to be sky-high. A perfect example of a common Yorkie affliction is Legg-Calvé Perthes disease, which is when the top of the femur bone loses blood supply and leads to tissue death. If left untreated, your dog may lose its ability to walk. A femoral head osteotomy (FHO), a surgery that removes the dead part of the femur, is the most successful remedy for this condition and costs upwards of $4,000. Another condition that frequently affects Yorkies is cataracts. Cataracts are milky-like films that form over the retina, blocking light from entering the eye. If left untreated, cataracts can lead to blindness. However, cataracts are easily resolved with surgery, but that can cost up to $4,000. Pet insurance can provide an extra level of protection and ensure that you’re able to afford the best possible care and treatments for your dog in times of need.

More Details About Pet Insurance for Yorkshire Terriers

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade’s popular amongst dog owners because of their diverse offerings such as comprehensive accident and illness coverage, affordable fees and dynamic wellness plans. They also have one of the shortest accident waiting periods of only 2 days. Moreover, they have a simple claim-filing system on their first-class mobile app. If that weren’t enough, Yorkshire Terrier parents who combine their dog’s policy with renters’ or homeowners’ insurance from Lemonade will receive a discount.

    Keep in mind: Should you have an older Yorkie or one with pre-existing conditions, you may have to include veterinary documentation attesting to their medical history before you can get an active policy.

    Good for: Most Yorkies, but particularly the young and healthy. 

    Average price for Yorkshire Terriers: $21.17/month 

  • 2. Wagmo

    (Best overall)

    Why it’s great: Wagmo has one of the fastest reimbursement processes out there, which are made via direct deposit, PayPal or Venmo. Better yet, Wagmo will reimburse as much as 100% of veterinary costs in a given year once you meet your annual deductible. Yorkie parents will also appreciate being able to take their little pals to any licensed veterinarian of their choice. What’s more, extra discounts are available for those who insure multiple pets or renew their policies without claim reimbursements in the previous year.

    Keep in mind: Total lifetime benefits are set at $100,000. If your Yorkie’s veterinary care reaches this level, they will no longer be eligible for coverage.

    Good for: Yorkshire Terrier owners seeking a blend of emergency and wellness care. 

    Average price for Yorkshire Terriers: $53.81/month 

  • 3. Figo

    (Best live vet support)

    Why it’s great: Figo gives all policyholders access to free 24/7 telehealth services via the company’s mobile app. Their health plans have unlimited lifetime benefits and do not restrict the cost of care for specific conditions. They also offer several wellness packages that cater to different needs, including one covering $250 worth of prescription food should your Yorkie’s veterinarian deem it necessary. Another bonus is that their average claim review process is only 2.6 days, which means dog owners get their reimbursements faster.

    Keep in mind: No pre-existing conditions are covered.

    Good for: Yorkie owners who would like to have free 24/7 televet services included with their dog’s insurance. 

    Average price for Yorkshire Terriers: $37.63/month 

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp’s emergency fund protects up to 6 pets of any age, breed or health condition within a given household for only $24/month. Yorkie parents will also get unlimited 24/7 telehealth services and consultations with pet experts as part of the package. Pawp does not have copays, deductibles or credit checks and gives pet owners the freedom to choose veterinarians. Furthermore, they will pay your bills for approved veterinary emergencies before you and your dog leave the vet’s clinic.

    Keep in mind: The emergency fund only provides coverage for emergencies qualified by Pawp’s virtual team of vets. It also only covers a single vet bill under $3,000 for one of your pets each year.

    Good for: Yorkshire Terriers who are older or have pre-existing conditions. Would also make a good supplement to traditional pet insurance plans. 

    Price: $24/month 

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace has become the best-established brand in pet insurance because of their dynamic offerings, including unlimited lifetime benefits, multiple pet discounts and diminishing deductibles. Diminishing deductibles are popular amongst dog owners because their deductibles drop by $50 when they renew their policies without claim reimbursements in the year prior. Yorkie parents may also find benefit in Embrace’s highly unique wellness plan as it covers alternative veterinary care, such as reiki, chiropractic, acupuncture and massage therapy.

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

    Good for: Yorkshire Terrier parents who like their dog’s insurance to cover alternative veterinary treatments.

    Average price for Yorkshire Terriers: $33.32/month 

Best Overall

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


We hope this article helps you gain more insight into the best pet insurance for Yorkshire Terriers. We understand there is a lot of information to digest, so we encourage dog parents to take more time to explore these companies’ offerings in more depth before getting a policy put in place. Buying the right pet insurance plan will give you a vital financial cushion in emergencies and for preventative and routine care so that you and your Yorkie can enjoy many healthy and happy years together.