🐾
FurrFind
Breeds›Tibetan Spaniel
🐕

Best Pet Insurance for Tibetan Spaniels

small breed12–15 years lifespan~$800/yr vet costs

The Tibetan Spaniel is an ancient Himalayan breed that served as a prized companion and watchdog in Tibetan Buddhist monasteries for over 2,000 years. Monks bred Tibetan Spaniels to sit atop monastery walls and alert to approaching strangers — giving them the nickname 'little lions' and a prized place in Buddhist culture. They are elegant, alert, and distinctly catlike — independent yet deeply devoted to their family. Tibetan Spaniels are intelligent and sensitive, often seeming to read their owner's emotions with uncanny accuracy. Their silky coat requires moderate maintenance. They are an excellent choice for those who appreciate an ancient breed with personality, intelligence, and deep emotional attunement.

Best Pet Insurance for Tibetan Spaniels (Ranked)

🏆
EmbraceBest match for Tibetan Spaniels
97
/ 100
★★★★★
4.7(18,420 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$20–$80
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more

Score Breakdown

Condition Coverage
40% weight100
Price & Value
25% weight100
No Breed Exclusions
20% weight100
Customer Rating
15% weight80
Overall Score97 / 100
Visit EmbraceFull Review
#2
97
/ 100
★★★★★
4.7(39,800 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$90
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period15 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit Healthy PawsFull Review
#3
95
/ 100
★★★★★
4.5(22,100 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$10–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit LemonadeFull Review
See All 31 Providers Ranked for Tibetan Spaniels →

Tibetan Spaniel Health Risks & Conditions

Understanding your Tibetan Spaniel's specific health risks helps you choose the right coverage.

Progressive Retinal Atrophy (PRA)

moderate risk

PRA — hereditary degeneration of the retinal photoreceptor cells — is documented in Tibetan Spaniels. The condition progresses from night blindness to complete vision loss over months to years. DNA testing ($65–$150) identifies carriers and affected dogs, and the Tibetan Spaniel Club of America recommends annual OFA eye certification. There is currently no treatment, but blind dogs adapt remarkably well to stable home environments. Annual ophthalmology exams ($150–$300) monitor disease progression.

Treatment cost:$200–$1,000

Patellar Luxation

moderate risk

Patellar luxation is the most common orthopedic condition in Tibetan Spaniels. The kneecap dislocates from its groove causing intermittent skipping lameness. Most grade I–II cases are managed conservatively with monitoring and weight control. Grades III–IV typically require surgical correction ($800–$3,000 per knee). Bilateral luxation is common. With the breed's 12–15 year lifespan, early surgical correction of severe luxation prevents decades of arthritis pain and maintains mobility.

Treatment cost:$800–$4,000

Portosystemic Shunt (PSS)

low risk

Portosystemic shunting — abnormal blood vessels that bypass the liver, allowing toxins to accumulate in the bloodstream — occurs at low to moderate rates in some small Tibetan breeds including Tibetan Spaniels. Signs in young dogs include poor growth, neurological signs, and poor tolerance for protein meals. Diagnosis requires blood ammonia testing, bile acids ($150–$250), and ultrasound ($300–$500). Surgical correction ($3,000–$6,000) can be curative for extrahepatic shunts. Medical management ($100–$300/month) is used for poor surgical candidates.

Treatment cost:$3,000–$10,000

Tracheal Collapse

low risk

Tracheal collapse — weakening of cartilage rings causing airway narrowing — occurs in small Tibetan dogs including Tibetan Spaniels. The classic 'goose honk' cough, especially when excited or in warm weather, is the presenting sign. Mild cases are managed with bronchodilators and cough suppressants ($30–$100/month). Harnesses should be used instead of collars. Severe cases may require tracheal stenting or ring placement ($3,500–$6,000). Maintaining lean body weight and avoiding overheating reduces symptom severity.

Treatment cost:$300–$5,000

Allergies

moderate risk

Environmental and food allergies manifest in Tibetan Spaniels as skin irritation, itching, paw licking, and recurrent ear infections. Their silky double coat can trap allergens. Management includes allergy testing ($300–$600), prescription hypoallergenic or hydrolyzed diets ($60–$100/month), and pharmaceutical options (Apoquel $50–$80/month, Cytopoint $65–$135/dose). Regular grooming and bathing with gentle shampoos supports skin barrier health. Most allergic Tibetan Spaniels respond well to management.

Treatment cost:$300–$2,000

What to Look for in Tibetan Spaniel Pet Insurance

Tibetan Spaniels are generally long-lived and relatively healthy, but PRA and patellar luxation are genuine hereditary risks. The rare PSS risk is the most expensive potential condition. Look for: (1) Hereditary eye condition coverage (PRA); (2) Orthopedic coverage for patellar luxation; (3) Congenital liver shunt coverage — ideally with enrollment before symptoms appear; (4) Chronic condition coverage for allergies. Embrace and Fetch are strong choices that cover hereditary conditions without breed-specific exclusions.

Tibetan Spaniel Quick Stats

📅
12–15 years
Life expectancy
💰
$800/yr
Avg vet costs
📊
#117
Most popular
⚠️
5
Key health risks

Common Tibetan Spaniel Health Conditions

⚠️ progressive retinal atrophy⚠️ patellar luxation⚠️ liver disease (PSS)⚠️ respiratory issues (tracheal collapse)⚠️ allergies

All Providers Ranked for Tibetan Spaniels

#4
95
/ 100
★★★★★
4.5(31,200 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$17–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit Pets BestFull Review
#5
95
/ 100
★★★★★
4.5(11,300 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$25–$90
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period15 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit FetchFull Review
#6
95
/ 100
★★★★★
4.5(7,400 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$30–$100
Annual limitUp to Unlimited
Reimbursement80%, 90%
Waiting period14 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit PumpkinFull Review
#7
94
/ 100
★★★★★
4.4(9,800 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$15–$75
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit SpotFull Review
#8
94
/ 100
★★★★★
4.4(14,600 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$30–$120
Annual limitUp to Unlimited
Reimbursement90%
Waiting period5 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit TrupanionFull Review
#9
94
/ 100
★★★★★
4.4(15,800 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$20–$75
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period0 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit MetLifeFull Review
#10
93
/ 100
★★★★★
4.3(25,600 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$15–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit ASPCAFull Review
#11
93
/ 100
★★★★★
4.3(9,600 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✓Exam Fees
✓No Exclusions
Monthly cost$18–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%, 100%
Waiting period1 day (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit FigoFull Review
#12
93
/ 100
★★★★★
4.3(3,100 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$20–$80
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit AnimaliaFull Review
#13
92
/ 100
★★★★★
4.2(2,400 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$60
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit KanguroFull Review
#14
92
/ 100
★★★★★
4.2(3,600 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$20–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit Physicians MutualFull Review
#15
91
/ 100
★★★★★
4.1(12,900 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$25–$100
Annual limitUnlimited (whole pet)
Reimbursement50%, 70%, 90%
Waiting period14 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit NationwideFull Review
#16
91
/ 100
★★★★★
4.1(4,200 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$17–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit OdieFull Review
#17
91
/ 100
★★★★★
4.1(3,800 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$18–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit Prudent PetFull Review
#18
91
/ 100
★★★★★
4.1(3,200 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$16–$60
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit TotoFull Review
#19
90
/ 100
★★★★★
4(8,200 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$75
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit AKCFull Review
#20
90
/ 100
★★★★★
4(5,600 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit CarePlusFull Review
#21
90
/ 100
★★★★★
4(6,800 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit PetPartnersFull Review
#22
90
/ 100
★★★★★
4(2,900 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$17–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit TrustedPalsFull Review
#23
90
/ 100
★★★★★
4(5,800 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$20–$80
Annual limitUp to Unlimited
Reimbursement100%
Waiting period3 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit WagmoFull Review
#24
89
/ 100
★★★★★
3.9(1,800 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$18–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit DoggoFull Review
#25
89
/ 100
★★★★★
3.9(4,500 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit PetPremiumFull Review
#26
88
/ 100
★★★★★
3.8(900 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$55
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit PawdarlingFull Review
#27
87
/ 100
★★★★★
3.7(4,100 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit HartvilleFull Review
#28
87
/ 100
★★★★★
3.7(1,200 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✗Hereditary
✓Cancer
✗Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$10–$45
Annual limit$10,000
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit NibblesFull Review
#29
85
/ 100
★★★★★
3.6(4,800 reviews)

Excellent match for Tibetan Spaniels. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$60
Annual limit$10,000
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

progressive retinal atrophypatellar luxationliver disease (PSS)respiratory issues (tracheal collapse)+1 more
Visit 24PetprotectFull Review
#30
48
/ 100
★★★★★
3.8(1,100 reviews)

Consider alternatives with stronger hereditary condition coverage for Tibetan Spaniels.

✗Hereditary
✗Cancer
✗Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$8–$35
Annual limit$5,000
Reimbursement80%, 90%
Waiting period0 days (accident)
Visit SpokkFull Review
#31
44
/ 100
★★★★★
3.8(2,200 reviews)

Consider alternatives with stronger hereditary condition coverage for Tibetan Spaniels.

✗Hereditary
✓Cancer
✗Orthopedic
✗Dental
✗Exam Fees
✗No Exclusions
Monthly cost$10–$45
Annual limit$7,000
Reimbursement90%
Waiting period0 days (accident)

Covers your breed's key risks:

allergies
Not covered: progressive retinal atrophyNot covered: patellar luxation
Visit Companion ProtectFull Review

Related Breeds

🐕
French Bulldog
🐕
Labrador Retriever
🐕
Golden Retriever
🐕
German Shepherd