Shiba Inu Pet Insurance
Give your Shiba nose-to-tail coverage for all of life's surprises!
Shiba Inus are alert, agile, and attentive companions who bring endless joy to families, but as a medium breed, they’re prone to certain health conditions that can lead to expensive vet bills. Hip dysplasia, luxating patella, and allergies are just a few common concerns that could cost thousands to treat.
Pet insurance helps you focus on what matters most: your Shiba’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 Shiba Inu pet insurance cover?
A base Lemonade pet health insurance policy helps cover the costs of medication, tests, and treatments if your Shiba Inu 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 Hip dysplasia, Shiba Inus benefit from comprehensive coverage that protects against life’s surprises.
Wellness care
Want to get money back for your Shiba’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 joint issues like hip dysplasia and luxating patella
- Visit fees
- Dental coverage
- Behavioral conditions: helpful for a breed that can be independent and stubborn without proper socialization
- End-of-life and remembrance
These coverages help take a bite out of pricey treatments, services, and vet visits that Shiba Inus often need.
Is pet insurance worth it for Shiba Inus?
Taking care of any medium breed gets expensive, and Shiba Inus can face costly breed-specific health issues throughout their 12 to 15-year lifespan. The good news? Lemonade pet parents are already saving serious money on vet bills.
Shiba Inus are particularly prone to joint problems, kneecap dislocation, and skin allergies, which makes insurance even more valuable.
Check out how much other Shiba Inu parents have saved with pet insurance below. Your savings could be even higher.
Common Shiba Inu health conditions
Shiba Inus 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 |
|---|---|---|
| Allergic Skin Disease (Chronic Dermatitis) | Ongoing skin irritation and itching | $400–$1,600 |
| Lymph Node Cancer (Lymphoma) | Cancer of the lymph system | $2,000–$7,000 |
| Hip Dysplasia | Malformed hip joint; pain and arthritis in back legs | $1,500–$6,000 |
| Skin Allergies (Environmental/Food) | Persistent itching from food, fleas, or environment | $400–$1,500 |
| Glaucoma | High eye pressure; pain and eventual blindness | $800–$2,500 |
| Dental Disease (Tooth & Gum Problems) | Gum & tooth disease, possible extractions | $400–$1,500 |
| Ear Infections | Chronic or severe ear infections | $300–$800 |
| Pancreatitis | Inflammation of pancreas; vomiting, pain | $500–$2,500 |
| Cataracts | Clouding of the eye lens; vision loss | $2,000–$4,000 |
| Obesity | Extra weight, leads to other health issues | $250–$800 |
As a non-sporting breed, Shiba Inus face having an independent nature and genetic predisposition to joint and skin issues, which is why early coverage is important to protect their health and your wallet.
How much does pet insurance for Shiba Inus cost?
Your Shiba Inu’s premium depends on a few key factors: Their age, your location, and the coverages you choose. Medium breeds like Shiba Inus typically cost more to insure due to their size and genetic predisposition to conditions like hip dysplasia and allergies.
Here’s what other Shiba Inu parents typically pay for Lemonade coverage:
| Age | Average monthly premium |
|---|---|
| 1 year old | $25-$30 |
| 2 years old | $25-$30 |
| 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 Shiba Inu?
While we might be biased, Lemonade was really designed with pet parents in mind, especially those with breeds like Shiba Inus that need comprehensive coverage for joint health, skin care, and allergy management.
Our customizable add-ons are perfect for Shiba Inus since you can tailor coverage for their specific risks like hip dysplasia and allergies.
Don’t believe us? Take a look at how we stack up against the competition.
Before we go…
Shiba Inus make incredible companions, but their independent personality and potential for skin sensitivities can get expensive fast. Pet insurance helps you say “yes” to the best care without worrying about the vet bill, whether that’s treating hip dysplasia surgery, managing skin conditions, or handling an emergency.
Ready to protect your Shiba? Get a personalized quote in as little as 90 seconds and see how affordable coverage can be for your Shiba Inu.
Get to know your Shiba Inu
Are Shiba Inus good with families and children?
Good with families when properly socialized, but better with older children. Shibas are independent and can be aloof, plus they don’t tolerate rough handling well. They’re loyal but on their own terms.
What does a Shiba Inu's grooming schedule look like?
Brush 2-3 times weekly, daily during shedding seasons. They’re surprisingly clean dogs that rarely need baths unless they get into something. Regular nail trims and occasional ear cleaning keep them comfortable.
Are Shiba Inus suitable for first-time dog owners?
Not ideal for first-time owners. Shibas are independent, strong-willed, and need experienced handling. They require consistent training, secure fencing, and owners who understand their unique personality quirks.
Are Shiba Inus easy to train?
Challenging to train because Shiba Inus are intelligent but think they know better than you. They need patient, consistent training with high-value rewards. Recall training is especially important since they love to bolt.
What activities do Shiba Inus usually enjoy?
Hiking, exploring, and independent activities. They love being outdoors, investigating new places, and activities that don’t require too much interaction. They’re naturally clean and enjoy quiet exploration.
*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.