Yorkshire Terrier Pet Insurance
Give your Yorkie nose-to-tail coverage for all of life's surprises!
Yorkshire Terriers are brave, determined, and energetic 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, tracheal collapse, and hypoglycemia are just a few common concerns that could cost thousands to treat.
Pet insurance helps you focus on what matters most: your Yorkie’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 Yorkshire Terrier pet insurance cover?
A base Lemonade pet health insurance policy helps cover the costs of medication, tests, and treatments if your Yorkshire Terrier 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, Yorkshire Terriers benefit from comprehensive coverage that protects against life’s surprises.
Wellness care
Want to get money back for your Yorkie’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 tooth loss
- Behavioral conditions: important for breeds prone to dental overcrowding and tooth loss
- End-of-life and remembrance
These coverages help take a bite out of pricey treatments, services, and vet visits that Yorkshire Terriers often need.
Is pet insurance worth it for Yorkshire Terriers?
Taking care of any small breed gets expensive, and Yorkshire Terriers can face costly breed-specific health issues throughout their 13 to 16-year lifespan. The good news? Lemonade pet parents are already saving serious money on vet bills.
Yorkshire Terriers are particularly prone to kneecap dislocation, breathing problems, and dental issues, which makes insurance even more valuable.
Check out how much other Yorkshire Terrier parents have saved with pet insurance below. Your savings could be even higher.
Common Yorkshire Terrier health conditions
Yorkshire Terriers 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 |
|---|---|---|
| Collapsing Trachea | Windpipe collapses; chronic cough | $400–$2,500 |
| Slipping Kneecap (Luxating Patella) | Kneecap slips out of place, causing limping | $500–$2,500 |
| Dental Disease (Tooth & Gum Problems) | Gum & tooth disease, possible extractions | $400–$1,500 |
| Ear Infections | Chronic or severe ear infections | $300–$800 |
| Low Blood Sugar (Hypoglycemia, esp. Toy Breeds) | Sudden weakness or collapse from low blood sugar | $300–$800 |
| Cataracts | Clouding of the eye lens; vision loss | $2,000–$4,000 |
| Liver Shunt | Blood bypasses the liver; toxins in bloodstream | $2,000–$6,000 |
| Bladder Stones | Hard stones in the bladder, painful urination/blood in urine | $800–$1,800 |
| Pancreatitis | Inflammation of pancreas; vomiting, pain | $500–$2,500 |
| Heart Valve Disease | Leaky heart valve; can lead to heart failure | $300–$1,200 |
As a toy breed, Yorkshire Terriers face having a delicate bone structure and tendency toward luxating patella and tracheal issues, which is why early coverage is important to protect their health and your wallet.
How much does pet insurance for Yorkshire Terriers cost?
Your Yorkshire Terrier’s premium depends on a few key factors: Their age, your location, and the coverages you choose. Small breeds like Yorkshire Terriers typically cost less to insure due to their smaller size, though breed-specific conditions like luxating patella can require expensive surgery.
Here’s what other Yorkshire Terrier 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 Yorkshire Terrier?
While we might be biased, Lemonade was really designed with pet parents in mind, especially those with breeds like Yorkshire Terriers that need comprehensive coverage for joint care, respiratory health, and dental maintenance.
Our customizable add-ons are perfect for Yorkshire Terriers since you can tailor coverage for their specific risks like luxating patella and tracheal collapse.
Don’t believe us? Take a look at how we stack up against the competition.
Before we go…
Yorkshire Terriers make incredible companions, but their tiny size and delicate build requiring careful handling 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 respiratory conditions, or handling an emergency.
Ready to protect your Yorkie? Get a personalized quote in as little as 90 seconds and see how affordable coverage can be for your Yorkshire Terrier.
Get to know your Yorkshire Terrier
Are Yorkshire Terriers good with families and children?
Good with families, but better with older children who understand gentle handling. Yorkies can be snappy if mishandled and may not tolerate rough play. They’re loyal but need respectful interactions.
What does a Yorkshire Terrier's grooming schedule look like?
Daily brushing to prevent matting, professional grooming every 4-6 weeks. Many owners keep them in shorter cuts for easier care. Regular dental care is crucial for this small breed.
Are Yorkshire Terriers suitable for first-time dog owners?
Decent for first-time owners who want a small dog with big personality. They’re portable and adaptable, but can be yappy and need consistent training to manage their feisty nature.
Are Yorkshire Terriers easy to train?
Moderately easy to train but can be stubborn. Yorkshire Terriers are smart but independent, so patience and positive reinforcement work best. Housetraining can take extra time with smaller breeds.
What activities do Yorkshire Terriers usually enjoy?
Indoor play, short walks, and being the center of attention. They enjoy toy games, exploring on leash, and plenty of social interaction. Despite their size, they think they’re much bigger dogs.
*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.