7 Best Tibetan Spaniel Pet Insurance Plans Compared in 2022

Updated on November 14, 2022, by Matthew H. Nash – Licensed Insurance Agent

Buddhist monks in Tibet bred Tibetan Spaniel dogs to resemble little lions and kept them as companions and watchdogs as early as 1100 BC, as depicted in Eastern artwork. The monks valued these dogs highly and sometimes gave them as gifts to royalty, great leaders, or nobles. The breed eventually worked its way to the western world and first became popular in the United States in the 1960s. As a breed, Tibetan Spaniels sometimes have eye issues like cherry eye or progressive retinal atrophy; suffer from patellar luxation where the knee cap moves out of place; or, in some cases, experience portosystemic shunt, or liver shunt, where blood bypasses the liver and does not get proper filtration. Your veterinarian will monitor for these and other health issues at your dog’s annual check-ups. In cases where a physical exam is not enough to diagnose the issue, your veterinarian might use additional diagnostic procedures like x-rays, ultrasounds, or blood tests. Although your veterinarian will recommend different treatments based on the health condition, many of these breed-specific conditions generally require medication, physical therapy, dietary changes, surgery, and, in the case of progressive retinal atrophy, care from a veterinary ophthalmologist. Providing the best care for your Tibetan Spaniel can sometimes be expensive, especially if surgery is necessary, but dog insurance can help you defray some out-of-pocket expenses. There are many dog insurance providers on the market, and most offer a range of plans that offer coverage for diagnostic procedures, medicine, and preventative care, among other things, which could save you thousands of dollars. The following article outlines some information about dog insurance that might answer your questions. Also included, you will find some breed-specific tips about living with Tibetan Spaniels. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Tibetan Spaniel Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Tibetan Spaniel pet insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Tibetan Spaniel 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 TIBETAN SPANIEL

$20.92/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Tibetan Spaniel 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
4.6
  • 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 TIBETAN SPANIEL

$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
4.5
  • 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 TIBETAN SPANIEL

$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
4.5
  • 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 TIBETAN SPANIEL

$80.74/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
4.5
  • 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 TIBETAN SPANIEL

$42.44/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
4.4
  • 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 TIBETAN SPANIEL

$41.44/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Tibetan Spaniel 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
4.4
  • 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 TIBETAN SPANIEL

$53.29/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

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 TIBETAN SPANIEL

$20.92/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Tibetan Spaniel 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

Tibetan Spaniel Pet Insurance FAQs

How will dog insurance help my healthy Tibetan Spaniel dog?

Dog insurance is recommended for all dogs, even healthy dogs, regardless of breed or age. As noted previously, Tibetan Spaniel dogs are prone to some breed-specific issues like cherry eye and portosystemic shunt, but even if your dog never experiences these health problems, any dog can be subject to common illnesses like ear infections or dental disease as well as occasionally suffer from unexpected injuries. Many dog insurance plans do cover x-rays, medication, and even preventative care like dental cleanings.

Is there an age requirement for dog insurance coverage?

Most dog insurance providers generally will not cover puppies younger than eight weeks old. This requirement is in line with the veterinarian recommendations and breeder practices of waiting until puppies are eight weeks old before bringing a new dog into your home. Once you choose an insurance provider, though, it’s a good idea to double check with them about any specific age or health requirements they might have before enrolling your puppy.

Based on the breed-specific health issues for Tibetan Spaniel dogs, what procedures and treatments should I get coverage for?

Patellar luxation, where the kneecap pops out of place, is common in small dog breeds, including Tibetan Spaniel dogs. Your veterinarian will diagnose patellar luxation through physical exams and x-rays. Treatment will likely include anti-inflammatory medication, physical therapy, and sometimes surgery.

With a portosystemic shunt, an abnormal connection develops between the portal vein and another vein, bypassing the liver. This condition often results in urinary problems like recurring kidney or bladder infections or stones. Diagnosis of portosystemic shunt usually involves urinalysis, blood tests, and ultrasounds, and treatment generally consists of medication and diet changes.

Eye issues common to Tibetan Spaniel dogs can usually be diagnosed with a simple physical exam. When a tear gland in your dog’s eyelid becomes inflamed, he may suffer from cherry eye, which usually can be managed with anti-inflammatory medicine and antibiotics. In more severe cases, though, your veterinarian might recommend surgery. On the other hand, progressive retinal atrophy might require ongoing care and regular exams by a veterinary ophthalmologist.

As a Tibetan Spaniel dog owner, you might be interested in dog insurance plans that cover diagnostic procedures like x-rays, ultrasounds, urinalysis, or bloodwork, medication, and surgery. Most insurance providers usually exclude coverage for pre-existing conditions. Keeping that in mind, you should probably enroll your Tibetan Spaniel dog as soon as possible before any long-term issues, like progressive retinal atrophy, start to affect your dog.

I’m not sure my veterinarian accepts dog insurance. Do I need to find a new one?

Since dog insurance is based on a reimbursement model, you don’t have to worry about whether or not your veterinarian accepts insurance, and you do not need to find an “in-network” veterinary provider. All you have to do is take your Tibetan Spaniel dog to your regular veterinarian as needed, whether for annual check-ups or sick visits or emergencies and pay your veterinarian directly for services rendered. Once you have paid your bill, submit a reimbursement request to your insurance provider. Your insurance provider will review your request and compare it with your plan before sending you the appropriate reimbursement.

What type of deductible do I need?

Pet insurance, like other types of insurance, offers different deductibles, and there are no specific recommendations for deductible type based on breed; however, a couple of different factors might help you make your decision about the best deductible option for your dog insurance plan based on your unique circumstances. Higher deductible plans usually also have lower monthly premiums, which might be better for you if you are on a tight budget and do not anticipate a lot of veterinary care for your Tibetan Spaniel. If, on the other hand, you are more concerned about the possibility of breed-specific problems requiring long-term medication, or if your Tibetan Spaniel dog is older, you might be better off with a lower deductible plan.

5 Useful Strategies for Keeping Your Tibetan Spaniel Dog Safe & Healthy

Living anywhere from 12 to 15 years when healthy and properly cared for, you can look forward to many happy years with your Tibetan Spaniel dog. The following breed-specific information includes tips to keep in mind to help you make the most of your time with your dog:

1. Grooming

The medium-length double coat of the Tibetan Spaniel dog looks good naturally without trimming. Brushing your dog’s coat a couple times a week should be enough to reduce shedding and prevent mats and tangles. Pay special attention to the feathering on the ears, feet, and tail, since those areas are especially prone to matting. Twice a year, usually in the spring and fall, you might notice your dog shedding more than usual, so you’ll need to brush him more often to keep the shedding manageable.

2. Nutrition

As a small breed, Tibetan Spaniel dogs usually weigh between 9 and 15 pounds, so they don’t require a lot of food – usually half a cup to a cup a day, split between two meals. With their perky personalities, they can sometimes become experts at begging for treats and scraps, but be careful not to overfeed them since small dogs can often be subject to excess weight gain.

3. Training

Start training your Tibetan Spaniel dog as young as possible because, as a breed, they tend to be both very intelligent and independent. Leash training is especially important with this breed because they are prone to run off and get into trouble otherwise. To keep him from getting bored, you might include agility courses and puzzles for your dog to stimulate him mentally.

4. Exercise

Given this breed’s short legs and flat face, your Tibetan Spaniel dog will not make a great jogging companion. Most Tibetan Spaniel dogs have moderate energy and enjoy walks and indoor play like chasing balls or playing fetch. If your dog does enjoy outdoor sports, you might try canine sports like rally and obedience courses because the breed is known to enjoy showing off for an appreciative audience.

5. Love and Affection

Originally bred as companion dogs, Tibetan Spaniel dogs are no different today. They love their family and even get along well with other dogs and cats in the home. Given enough daily activity, your dog will most likely enjoy lounging on the couch or your lap as well, thriving on the attention and affection. Since the Tibetan Spaniel dog is small, he might do best in a home with older children who will know how to handle him carefully.

Conclusion

Providing the best life you can for your Tibetan Spaniel dog includes regular veterinary care. When that care becomes more expensive than you would like, especially if you are faced with unexpected illnesses, injuries, medication, or surgery, you might start to worry about your ability to pay for veterinary bills without breaking the bank. Instead of worrying, you can enroll in a good, basic dog insurance plan. I recommend looking at Lemonade pet insurance whether you’ve just begun your research or already have coverage. It’s a helpful resource, offering a variety of insurance plans with a range of coverage at reasonable rates for all dog breeds, including Tibetan Spaniels, and Lemonade makes it easy to pick the coverage that works best for you, your family, your dog, and your finances. Enrolling and keeping your coverage active even when you’re not using it is easy. All you have to do is pay your monthly premium, and financial help will be there when you need it to help you take care of your beloved companion.

SwiftScore Ranking Methodology for Tibetan Spaniels

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

  • Average monthly price for a 2-year-old Tibetan Spaniel 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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