iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you

As the proud parent of a Havanese, you know these adorable little fluffs make the best of companions! No matter where you go, your sweet Havanese shadow is always right by your side. And to be sure your furry bestie stays happy and healthy, you do all the right things.

You feed your pup the best foods, choose the most fun toys, and only buy the comfiest beds. As a responsible dog parent, you also take your dog to annual vet appointments and stay on top of any changes in their health. Happy, healthy, and well-protected—that’s the name of your parent game!

And one more way to keep your pup protected is a quality pet insurance plan tailored to your dog’s specific needs. For the Havanese, insurance plans that offer coverage on health conditions like joint issues, eye problems, liver shunts, and hypothyroidism can save you big in the long run. Pet insurance can also allow you to focus on your furry friend’s recovery rather than stressing over bills when the unexpected happens. To help you find peace of mind and the best pet insurance plan for your Havanese, we’ve created a free and easy-to-use comparison tool to simplify the insurance quest.

Compare The Top 9 Pet Insurance Plans for Your Havanese Using our Free No-Obligation Quote Tool below

The simplest way to compare pet insurance prices is to use our tool below. The comparison tool will show you quotes from the top 9 pet insurance carriers, including Trupanion, Pets Best, Lemonade, ManyPets, FIGO, HealthyPaws, Prudent Pet, Spot, and Embrace pet insurance.

How Much Does Pet Insurance for a Havanese Cost?

Below are some sample pet insurance plans for a 1-year-old male Havanese using the zip code 75001 (Texas) as an example.

Pets Best – $33.77 per month
Embrace – $29.42 per month
Healthy Paws – $18.61 per month
ManyPets – $30.88 per month

Ultimately, your plan’s premium will depend on several factors, including your dog’s age, size, and breed, as well as where you live. You also want to know what type of coverage your plan has and if it will help with Havanese-specific health problems. Let’s get more into those medical conditions and how much you can expect to pay to treat them.

Common Health Problems Associated With The Havanese

Joint Problems

Like many dog breeds, the Havanese can suffer from joint problems brought on by conditions like hip dysplasia and patellar luxation. Hip Dysplasia occurs when the ball-and-socket joint in a dog’s hip doesn’t form correctly, leaving the joint to dislocate or the femur head to sit wrong in the socket. Patellar luxation is commonly known as a dislocated kneecap, and cases can be mild to severe. Both issues can potentially lead to pain and mobility problems.

Legg-Calve-Perthes Disease

An issue typically found in smaller dog breeds, Legg-Calve-Perthes Disease occurs when the femur head turns necrotic and dies. The disease leads to pain and restricted mobility. This problem can occur from trauma or genetics, as it does within the Havanese.

Portosystemic Shunts

Also called liver shunts, this congenital or acquired condition occurs when blood vessels that should pass through the liver don’t. Instead, these vessels flow directly from the digestive system, sending blood back into circulation without first going through the liver for detox. Portosystemic shunts, or PSS, can cause symptoms such as neurological problems, digestive issues, and overall poor quality of life.

Eye Problems

Havanese are prone to eye problems that require treatment or your dog runs the risk of permanent damage that could cause blindness. The two most common eye problems in Havanese are:

Distichiasis – abnormal growth of eyelashes from eye ducts that causes errant lashes to poke and scratch the eye, leading to irritation or even ulcers depending on the severity
Hereditary Juvenile Cataracts – a genetic form of cataracts that presents in puppies and younger dogs

Hypothyroidism

Hypothyroidism is another common health problem in the Havanese and occurs when the thyroid doesn’t produce enough hormones to regulate metabolism. This condition often presents with fatigue, weight gain, coat problems, and flaky skin. Once diagnosed, your Havanese will need lifelong veterinary management as there is currently no cure for hypothyroidism in dogs. Left untreated, your dog’s entire quality of life will decline.

Typical Costs Of Treating Health Issues In The Havanese and How Pet Insurance Can Help

Taking your dog to the vet for annual visits is a bill you expect. But when the vet discovers a problem or an emergency strikes, medical bills can stack up fast. With the right pet insurance plan for your Havanese, you’ll be financially ready to deal with any bills, leaving you to concentrate on your best friend’s recovery.

Have a look at what it costs to treat the Havanese health problems mentioned above:

Joint Problems Costs: The treatment plan for Havanese joint problems might include medications that help with pain and slow degeneration. The cost of these monthly medications can add up over years of management. Physical therapy could also help, but at $50 an appointment, those bills stack up too. If the hips or knees reach a certain point of degeneration, your dog may require an orthopedic surgery that can create bills of $2,000 – $7,000. But, the right pet insurance plan for your Havanese can help you find relief from monthly prescription costs and the expensive surgery that will get your pup back on their paws.
Legg-Calve-Perthes Disease Costs: Treatment for this painful bone disease involves surgery to remove the withered femur head and some of the bone neck. A femoral head removal surgery can cost between $1,000 to $4,000, depending on your location. If your dog develops Legg-Calve-Perthes Disease, having pet insurance for your Havanese will mean you can afford the expensive surgery that treats pain without hurting your bank account.
Portosystemic Shunts Costs: With bills ranging from $2,000 to $12,000, PSS is expensive to treat as dogs will need surgery, medications, and hospitalizations. And before treatment, tests to find PSS include expensive scans and bloodwork. This one health problem in Havanese alone makes pet insurance a worthy monthly expense and removes the need to make heartbreaking decisions in the face of an impossibly high vet bill.
Eye Problems Costs: The average cost for eye surgeries to fix distichiasis can range from $400 to $2,000. Cataracts can be corrected with surgery, but it’s not a cheap procedure either, tipping the financial scales with costs between $3,000 and $4,000. A pet insurance plan for your Havanese can help you save on prescriptions and surgery so your pup’s eyes will sparkle their whole life through!
Hypothyroidism Costs: Hypothyroidism is typically treated with medication and monitoring. Depending on the severity of the issue, you’re looking at $20 – $50 a month to fill your Havanese’s script. That might not sound like much to start, but month after month, year after year, prescriptions for hypothyroidism can add up over time. Getting an insurance plan for your Havanese that offers drug coverage or discounts before your dog develops hypothyroidism can help offset costs for this lifelong issue.

RELATED: 8 Best Orthopedic Dog Beds (+1 to Avoid)

What Is Pet Health Insurance, And Why Do I Need It For My Havanese?

Pet health insurance works very similarly to human health insurance. Your policy quote will range in monthly price, depending on your dog’s breed, age, and where you live. Typically, you’ll spend around $15-$60 per month as a pet parent.

Pet insurance is mainly about peace of mind, knowing you won’t be totally overwhelmed in case of an emergency. Enrolling even when your dog is young and healthy will ensure you have plenty of coverage when they need expensive medical care later. If you choose a plan more suited to your dog’s particular breed, you’ll be more prepared when something happens later on in their life.

Some plans cover accidents and illnesses, while others only cover accidents. Certain plans do cover breed-specific illnesses, and others do not. It all depends on what type of coverage you choose. With our free pet insurance comparison tool, you can get quotes from multiple insurance companies with no obligation to commit.

Whatever plan you choose, you’ll feel better knowing you can take care of your dog when they need you most. Plus, you won’t have to suddenly shell out thousands of dollars. Learn more about how pet insurance works here.

iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you