Pekingese insurance: cost and what to look for
Flat face and long back combine two hereditary risk factors in one small dog.
- $41–$68/mo est.Typical monthly premium (2 yrs, 80%, $250 deductible)
- $624/yr est.Estimated yearly cost at the midpoint
- 5Breed-linked conditions to check coverage for
Which insurer fits a Pekingese? See our top picks by priority →
Insurers for a Pekingese
Estimated monthly price for a 2-year-old at 80% reimbursement and a $250 deductible. These are BreedSure estimates, not quotes from the insurers; each insurer sets its own price.
Odie
Lowest est.14-day illness wait Limits $10,000 or $40,000 Exam fees extra Deductibles $250 or $500
$46/mo est.Plan details for OdieLemonade
14-day illness wait Limits $5,000 to $100,000 Exam fees extra Deductibles $100 / $250 / $500 / $750
$48/mo est.Plan details for LemonadePets Best
14-day illness wait Limits $5,000 to unlimited Exam fees included Deductibles $100 to $1,000
$49/mo est.Plan details for Pets BestEmbrace
14-day illness wait Limits $2,000 to unlimited Exam fees extra Deductibles $200 to $1,000
$52/mo est.Plan details for EmbraceSpot
14-day illness wait Limits $2,500 to unlimited Exam fees included Deductibles $100 to $1,000
$53/mo est.Plan details for Spot
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Fetch
15-day illness wait Limits $5,000 to $15,000 Exam fees included Deductibles $250 to $2,500
$55/mo est.Plan details for FetchHealthy Paws
15-day illness wait Limits $5,000, $7,000 or unlimited Exam fees extra Deductibles $100 to $1,000
$57/mo est.Plan details for Healthy PawsTrupanion
30-day illness wait Limits Unlimited Exam fees extra Deductibles $0 to $1,000 per condition
$65/mo est.Plan details for Trupanion
Estimates updated Sep 2026 · How we estimate
Waiting period. How long after the policy starts before accidents, and then illnesses, are covered. Anything that begins during the wait is excluded. More in the glossaryAnnual limit. The most the policy pays in one policy year. "Unlimited" means there is no yearly cap. More in the glossaryExam fees. The vet's charge for the visit itself, usually $50 to $150, separate from tests and treatment. Some insurers include it; others sell it as an add-on. More in the glossaryDeductible. What you pay yourself before the insurer starts paying. Most reset every policy year; some insurers charge it once per condition. More in the glossaryWhat Pekingese owners claim for
- Brachycephalic airway syndrome[1]very commonBreathing obstruction in flat-faced breeds; surgery to widen nostrils and shorten the soft palate.$300–$5,000[2]
- Intervertebral disc disease (IVDD)[3]commonSpinal disc herniation, common in long-backed breeds; may require emergency neurosurgery.$2,000–$12,000[4]
- Eye conditions (cataracts, PRA, cherry eye)[5]commonHereditary eye problems; cataract surgery is the expensive end.$300–$6,700[6][7]
- $300–$3,000[9]
- $300–$1,500[10]
What a Pekingese costs to insure by age
Insured as a puppy, a Pekingese costs about 44% less per month than one enrolled at 8 (modeled). Conditions diagnosed before enrollment are excluded as pre-existing.
Low, typical and high estimates by age
| Age | Low | Typical | High |
|---|---|---|---|
| Puppy (under 1) | $37/mo est. | $47/mo est. | $61/mo est. |
| 2 years | $41/mo est. | $52/mo est. | $68/mo est. |
| 5 years | $49/mo est. | $62/mo est. | $81/mo est. |
| 8 years | $65/mo est. | $83/mo est. | $108/mo est. |
| 11 years | $89/mo est. | $114/mo est. | $149/mo est. |
Pekingese insurance in other states
Questions people ask about insuring a Pekingese
How much does pet insurance cost for a Pekingese?
About $41 to $68 a month for a 2-year-old at 80% reimbursement and a $250 deductible, in our model. Older dogs, lower deductibles and higher reimbursement cost more; each insurer sets its own price. How we estimate.
Does pet insurance cover Pekingese health problems like brachycephalic airway syndrome?
Yes, as long as they are not pre-existing. Accident-and-illness plans cover hereditary and congenital conditions, including the ones Pekingese are known for: brachycephalic airway syndrome, intervertebral disc disease and eye conditions. All 8 insurers we compare cover hereditary conditions.
At what age should I insure a Pekingese?
As young as you can. A puppy has no pre-existing conditions yet, and premiums rise with age: in our model about $52 a month at 2 years and $83 at 8. When to insure, by age.
Is pet insurance worth it for a Pekingese?
For breeds with known expensive conditions, it usually is if you enroll young and keep the policy. One intervertebral disc disease bill can run $2,000 to $12,000, several years of premiums. The full math.
Why does the estimate change by state?
Our model scales premiums by a state index built from each state's published average dog insurance premium. Insurers set their own prices, so this is an estimate, not a quote.
Questions owners of Pekingese ask
Sources
- A cross-sectional study into the prevalence and conformational risk factors of BOAS across fourteen brachycephalic dog breeds. PLOS ONE, 2026.
- Stenotic Nares Surgery Cost for Dogs. MetLife Pet Insurance.
- How long and low can you go? Effect of conformation on the risk of thoracolumbar intervertebral disc extrusion in domestic dogs. PLOS ONE, 2013.
- 11 Most Expensive Dog Health Problems. MetLife Pet Insurance, 2025.
- Conformational eyelid disorders in dogs under primary veterinary care in the UK - Epidemiology and clinical management. PLOS ONE (RVC VetCompass), 2025.
- Cherry Eye. Embrace Pet Insurance, 2024.
- Cataracts: What to Expect. University of Missouri Veterinary Health Center, 2025.
- Pekingese. VCA Animal Hospitals.
- Periodontal Disease and Dental Procedures in Dogs and Cats. Embrace Pet Insurance, 2026.
- Entropion. Embrace Pet Insurance, 2022.
How we choose and check sources: Sources we use.
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