7 Best Chow Chow Pet Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Loyal, aloof, and fluffy, the Chow Chow is a wonderful dog that has made a loving addition to thousands of families. But just like any other breed, the Chow Chow is vulnerable to certain illnesses and injuries. The good news is that most of these illnesses and injuries are non-life-threatening and totally treatable. The bad news is that the treatment is often quite expensive. Many people worldwide are considering signing up for a pet insurance policy to protect their Chow Chow in case the unexpected becomes a reality. The second good news is that many pet insurance policies are affordable and you have The Swiftest to help guide you. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Chow Chow Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Chow Chow pet insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Chow Chow with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR CHOW CHOW

$32.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Chow Chow Pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
pumpkin logo
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR CHOW CHOW

$49.18/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cos
  • Founded in 2020 and underwritten by United States Fire Insurance Company
aspca
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR CHOW CHOW

$31.77/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • ASPCA is one of the most trusted names in the pet insurance industry. They have paid out almost $350 million dollars in claims since 2006
  • ASPCA is unique in that they offer affordable “accident-only” plans. Also, you can save 10% for multiple eligible pets
  • Founded in 1997 and underwritten by Crum & Forster
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR CHOW CHOW

$122.06/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR CHOW CHOW

$58.52/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR CHOW CHOW

$71.03/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR CHOW CHOW

$69.64/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Chow Chow Pet vets via video chat 24/7
  • They also have an easy-to-use pet records app and real-time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR CHOW CHOW

$32.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Chow Chow Pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

Chow Chow Pet Insurance FAQs

What is dog insurance and why should I consider getting it for my Chow Chow?

Just like your own health insurance, dog insurance is health insurance coverage for canine breeds. Medical issues are costly and unpredictable in dogs, so the purpose of dog insurance is to cover the medical expenses that your dog acquires. Although the policy doesn’t always completely cover the costs, it is still worthwhile because it does cover a significant portion of it. In effect, it saves the owner a lot of money. To benefit from dog insurance coverage, all you need to do is select a plan, make a monthly payment to keep the policy active, and then submit for reimbursement from your insurance provider when applicable.

Dog insurance is important for your Chow Chow because they are susceptible to entropion, glaucoma, juvenile cataracts, lymphoma, hip dysplasia, diabetes mellitus, canine pemphigus, and gastric cancer. Chow Chows are considered a high risk breed for auto-immune disease and have a tendency to suffer from skin melanoma. If your Chow Chow were to contract one of these illnesses, it is advantageous to have a pet insurance policy.

Can I insure my Chow Chow puppy?

A dog must usually be at least 8 weeks old for insurance providers to begin coverage. So, in other words, you should be able to enroll your Chow Chow in dog insurance as soon as you bring them home from the breeder.

What are common insurance claims for Chow Chows?

Unfortunately, Chow Chows score highest of all breeds in likelihood to develop elbow dysplasia. There’s roughly a 48% chance your Chow Chow will develop this illness at some point in their life. This is the most common insurance claim for Chow Chows. They are also prone to develop autoimmune disorders and hip dysplasia, as well as a variety of other illnesses.

What does dog insurance cover? What does it not cover?

Different insurance plans have different amounts of coverage. In general though, dog insurance covers unexpected illnesses and injuries. These include any condition that your Chow Chow develops throughout their life, including viral infections and broken bones.

But insurance can cover even more than that. Some dog insurance plans also offer medications, hospitalizations, and preventative care.

Some services are excluded from insurance, and again, it will vary by plan. It is common for a plan to not cover pre-existing conditions, which is why it is important to enroll your Chow Chow in insurance before the condition manifests.

How does reimbursement work?

Typically, dog insurance policies use a reimbursement system. In this system, the owner will pay the initial veterinary fees, then they will file for reimbursement through their dog insurance provider. The provider will then determine how much you will be reimbursed. This will vary depending on your reimbursement rate and your deductible.

What are the pros and cons of a high deductible and low deductible plan?

Plans vary greatly. Some have a high deductible, some have a low deductible, and some have no deductible at all. It can be confusing to decide which plan is best for you. The good news is that any plan you pick will help your Chow Chow in the case they get sick or injured. Your choice of plan will depend on your specific financial situation. High deductible plans usually have a lower monthly premium, while low deductible plans have a higher monthly premium. Whichever option fits your circumstances better is the choice for you.

5 Useful Strategies for Keeping Your Chow Chow Safe & Healthy

We’ve now discussed the benefits of enrolling your Chow Chow in dog insurance, now let’s look at some other ways to keep them healthy.

1. Let them be lazy

Chow Chows are a notoriously lazy dog. If you find that your dog spends most of his time sleeping or lounging around, don’t be afraid! This is normal behavior for a Chow Chow. A calm and relaxing lifestyle is a good way to prevent strain on sensitive parts of their bodies.

2. But also give them some exercise if they want it

Yes, we just said that they’re lazy, but that doesn’t mean your Chow Chow won’t ever have spurts of energy. Walks in the park and games in the yard are a great way for your Chow Chow to blow off some steam and keep a healthy cardiovascular system.

3. Well-balanced Diet

A nutritious diet is vital in keeping your Chow Chow healthy. A mix of proteins, grains, and vegetables are wonderful for their health. “People food,” such as meat, is okay for Chow Chows, but try to avoid foods that are high in sugar or sodium.

4. A Safe Home

Chow Chows are a very defensive dog. They are known to guard their owner and their homes with their lives. An environment that has a lot of strangers coming in and out would likely not be a good fit for a Chow Chow, as these people may give your dog anxiety. A nice, quiet home with trustworthy people will help keep your Chow Chow anxiety free. Now, that doesn’t mean you can’t introduce people to your Chow Chow. Just be cautious about it. Try not to overwhelm them, as they may get very defensive.

5. Regular Grooming

Chow Chows are one of the fluffiest dogs on Earth. Their fur is so long you might think they could get lost in it! All jokes aside, Chow Chow’s long fur makes them prone to matting. It’s important to have them groomed regularly to keep their fur healthy and beautiful. Dental hygiene is another task that is often ignored by dog owners, but is very important.

Conclusion

Getting your Chow Chow set up with an insurance policy is a great step in the road toward a healthy life. The process may seem confusing, but it really is pretty simple. You choose your plan, pay the monthly costs, and your Chow Chow is insured. Chow Chows are prone to illnesses and injuries, which is why dog insurance is so important for all Chow Chow owners. Having coverage ensures that your dog can receive the necessary care without the financial burden.

After extensive research, we conclude that Lemonade pet insurance offers the best dog insurance policy at the lowest monthly premium for your Chow Chow.

SwiftScore Ranking Methodology for Chow Chows

We ranked the best pet insurance policies for Chow Chows based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Chow Chow with a $500 deductible located in the 90210 zip code
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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