Havanese Pet Insurance
Give your Hav nose-to-tail coverage for all of life's surprises!
Havaneses are outgoing, funny, and intelligent companions who bring endless joy to families, but as a small breed, they’re prone to certain health conditions that can lead to expensive vet bills. Luxating patella, heart murmurs, and liver shunt are just a few common concerns that could cost thousands to treat.
Pet insurance helps you focus on what matters most: your Hav’s health and happiness. Here’s everything you need to know about coverage options, costs, and why insurance makes sense for this beloved breed.
What does Havanese pet insurance cover?
A base Lemonade pet health insurance policy helps cover the costs of medication, tests, and treatments if your Havanese has an unexpected accident or illness (provided it’s not related to a pre-existing condition, and occurs after your policy’s waiting periods have ended).
Whether it’s an unexpected accident during play time or a breed-specific illness like Luxating patella, Havaneses benefit from comprehensive coverage that protects against life’s surprises.
Wellness care
Want to get money back for your Hav’s routine care? Our preventive packages reimburse you for the stuff you’re already doing, like annual checkups, vaccines, blood work, and other routine care that keep your pup healthy and happy.
Keep in mind, preventative care offerings might differ based on where you live. The easiest way to see what’s available? Get a free quote.
Extra coverage
You can also customize your Lemonade policy with optional add-ons like:
- Physical therapy: especially important for a breed prone to kneecap dislocation
- Visit fees
- Dental coverage: important for breeds prone to dental overcrowding and periodontal disease
- Behavioral conditions
- End-of-life and remembrance
These coverages help take a bite out of pricey treatments, services, and vet visits that Havaneses often need.
Is pet insurance worth it for Havaneses?
Taking care of any small breed gets expensive, and Havaneses can face costly breed-specific health issues throughout their 14 to 16-year lifespan. The good news? Lemonade pet parents are already saving serious money on vet bills.
Havaneses are particularly prone to kneecap dislocation, heart problems, and liver conditions, which makes insurance even more valuable.
Check out how much other Havanese parents have saved with pet insurance below. Your savings could be even higher.
Common Havanese health conditions
Havaneses are amazing dogs, but they’re predisposed to certain health conditions that can get expensive to treat. Here are some of the most common claims we see for them, along with typical treatment costs:
| Condition | What is it? | Average treatment cost |
|---|---|---|
| Slipping Kneecap (Luxating Patella) | Kneecap slips out of place, causing limping | $500–$2,500 |
| Ear Infections | Chronic or severe ear infections | $300–$800 |
| Cataracts | Clouding of the eye lens; vision loss | $2,000–$4,000 |
| Dental Disease (Tooth & Gum Problems) | Gum & tooth disease, possible extractions | $400–$1,500 |
| Collapsing Trachea | Windpipe collapses; chronic cough | $400–$2,500 |
| Obesity | Extra weight, leads to other health issues | $250–$800 |
| Heart Valve Disease | Leaky heart valve; can lead to heart failure | $300–$1,200 |
| Seizure Disorders (Epilepsy) | Recurring seizures | $500–$2,500 |
| Skin Allergies (Environmental/Food) | Persistent itching from food, fleas, or environment | $400–$1,500 |
| Pancreatitis | Inflammation of pancreas; vomiting, pain | $500–$2,500 |
As a toy breed, Havaneses face having a delicate bone structure and genetic predisposition to heart and liver issues, which is why early coverage is important to protect their health and your wallet.
How much does pet insurance for Havaneses cost?
Your Havanese’s premium depends on a few key factors: Their age, your location, and the coverages you choose. Small breeds like Havaneses typically cost less to insure due to their smaller size, though breed-specific conditions like heart problems can require expensive treatment.
Here’s what other Havanese parents typically pay for Lemonade coverage:
| Age | Average monthly premium |
|---|---|
| 1 year old | $20-$25 |
| 2 years old | $20-$25 |
| 3 years old | $25-$30 |
| 4 years old | $25-$30 |
| 5 years old | $30-$35 |
| 6 years old | $35-$40 |
| 7 years old | $40-$45 |
How can I find the best pet insurance for my Havanese?
While we might be biased, Lemonade was really designed with pet parents in mind, especially those with breeds like Havaneses that need comprehensive coverage for joint care, heart monitoring, and dental maintenance.
Our customizable add-ons are perfect for Havaneses since you can tailor coverage for their specific risks like luxating patella and heart conditions.
Don’t believe us? Take a look at how we stack up against the competition.
Before we go…
Havaneses make incredible companions, but their long silky coat requiring regular grooming and delicate build can get expensive fast. Pet insurance helps you say “yes” to the best care without worrying about the vet bill, whether that’s treating luxating patella surgery, managing heart conditions, or handling an emergency.
Ready to protect your Hav? Get a personalized quote in as little as 90 seconds and see how affordable coverage can be for your Havanese.
Get to know your Havanese
Are Havaneses good with families and children?
Wonderful with families and children. Havanese are gentle, affectionate little companions who thrive on human interaction. They’re naturally patient with kids and love being part of all family activities and adventures.
What does a Havanese's grooming schedule look like?
Daily brushing to prevent matting, professional grooming every 4-6 weeks. Their silky coat is beautiful but high-maintenance. Many owners choose shorter cuts to make daily care easier and more manageable.
Are Havaneses suitable for first-time dog owners?
Great for first-time owners who can commit to grooming needs. They’re adaptable, trainable, and eager to please. Their friendly nature and moderate exercise needs make them manageable for beginners.
Are Havaneses easy to train?
Easy to train, Havanese are intelligent, people-focused, and love learning new things. They respond well to positive reinforcement and are naturally well-behaved when given consistent, gentle guidance and plenty of praise.
What activities do Havaneses usually enjoy?
Indoor play, short walks, and being your devoted sidekick. They love playing with toys, meeting new people, and basically just being wherever you are. They’re natural entertainers and people-pleasers.
*Lemonade Insurance analyzed policy rates of accident and illness policies to calculate average pet insurance premiums as of October, 2025. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances and additional coverages selected.