Yorkshire terrier insurance
Thinking about insurance for your Yorkshire Terrier? The good news is that every US insurer we compare will insure Yorkshire Terriers, and none of them excludes the breed. What's most useful to know is which health problems Yorkshire Terriers claim for most often, so you can check a policy covers them well. Here they are by life stage, with what each one typically costs to treat in a year, along with how long Yorkshire Terriers usually live.
What health problems do Yorkshire Terriers have?
These are the conditions most often claimed for Yorkshire Terriers at each stage of life, from Trupanion's claims data, with the typical cost of treatment in a year. "Likely" compares Yorkshire Terriers with the average dog in Trupanion's data. Each bar shows the cost range on the same scale, so you can see which problems cost most.
As a puppy
- Broken bone$1,300 to $3,000 a year55% more likely than the average dog
- Tooth extraction$300 to $400 a year4.5 times as likely as the average dogDoes pet insurance cover dental?
- Gastroenteritisan upset stomach and gut$300 to $500 a year60% more likely than the average dogNationwide's 2025 claims: 80% of gastroenteritis claims cost up to $768 in the first 30 days.
As an adult
- Slipping kneecap (patellar luxation)$300 to $1,800 a year3 times as likely as the average dog
- Dental disease$400 to $600 a yearTwice as likely as the average dogNationwide's 2025 claims: 80% of dental disease claims cost up to $1,420 in the first 30 days and $1,420 in the first year.Does pet insurance cover dental?
- Allergies$100 to $200 a yearAbout as likely as the average dogNationwide's 2025 claims: 80% of skin allergies claims cost up to $286 in the first 30 days and $891 in the first year.
As a senior
- Pancreatitisan inflamed pancreas$700 to $1,000 a yearTwice as likely as the average dog
- Kidney disease$500 to $1,100 a yearTwice as likely as the average dog
- Congestive heart failure$700 to $1,800 a year90% more likely than the average dog
Source: Trupanion, Commonly Claimed Conditions (US claims data, June 2019); Nationwide's most common claims of 2025. Costs are Trupanion's average yearly cost of treatment, in US dollars.
What to check in a policy for a Yorkshire Terrier
Some of the conditions above have their own rules in pet insurance policies, such as longer waiting periods or exclusions if signs show early on. These guides show how each insurer handles them.
Which insurers cover Yorkshire Terriers?
All of these US insurers will insure a Yorkshire Terrier. Click a name to see what that policy covers.
Your questions answered
Can you get insurance for a Yorkshire Terrier?
Yes. All 9 US insurers we compare will insure a Yorkshire Terrier, and none of their policies excludes the breed.
How long do Yorkshire Terriers live?
The American Kennel Club gives a life expectancy of 11 to 15 years for the Yorkshire Terrier. It's worth choosing cover that stays with your dog for life, because the conditions Yorkshire Terriers claim for most tend to change as they get older.
Is Yorkshire terrier insurance more expensive?
We don't list prices, because they depend on your dog and where you live. Insurers do price by breed: Figo, for example, says premiums are based on the species or breed of your pet. The best way to compare is to get quotes and check how each policy covers the conditions Yorkshire Terriers are most likely to need.
What health problems are Yorkshire Terriers prone to?
In Trupanion's US claims data, the costliest conditions claimed for Yorkshire Terriers include broken bone, slipping kneecap and congestive heart failure. The full list by life stage is above.
Health data from Trupanion's US claims (June 2019) and Nationwide's 2025 claims; lifespan from the American Kennel Club; which insurers cover the breed from each insurer's own documents and exclusion lists, read in October 2026. Check the policy before you buy.
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