Dog Breeds / Havanese
Best Pet Insurance for Havaneses (2026)
Havanese are cheerful, affectionate toy dogs with silky coats. They're prone to luxating patella, eye conditions, and congenital deafness. Insurance helps manage these hereditary health concerns.
See Top Picks →🏆 Our Top Picks for Havaneses
Embrace
Best for hereditary conditions
Lemonade
Best budget option
Healthy Paws
Best unlimited coverage
Why Havaneses Need Insurance
Havanese face knee problems, cataracts, and heart murmurs. Their small size makes them fragile. Insurance covers both genetic conditions and accidents.
Common Health Issues & Costs
| Condition | What It Is | Typical Cost |
|---|---|---|
| Luxating Patella | Kneecap dislocation | $1,500 - $3,500 |
| Cataracts | Eye lens clouding | $2,500 - $5,000 |
| Heart Murmurs | Abnormal heart sounds | $500 - $2,000/year |
| Congenital Deafness | Hereditary hearing loss | $300 - $500 (testing) |
| Chondrodysplasia | Skeletal abnormality | $500 - $3,000 |
| Legg-Calve-Perthes | Hip joint deterioration | $1,500 - $3,000 |
What to Look For in Havanese Insurance
✓ Must-Have Coverage
- Orthopedic coverage — Knee and hip problems common
- Eye condition coverage — Cataracts are hereditary
- Cardiac coverage — Heart murmurs occur
- Hereditary condition coverage — Multiple genetic issues
✗ Red Flags to Avoid
- Luxating patella exclusions
- Eye condition exclusions
- Hereditary exclusions
- Toy breed restrictions
Best Insurance Providers for Havaneses
Embrace
Best for Hereditary Conditions
$26-45/mo
estimated monthly
Embrace offers comprehensive hereditary coverage for Havanese with multiple genetic health concerns.
Pros
- Excellent hereditary coverage
- Good eye coverage
- 6-month orthopedic wait
- Prescription coverage
Cons
- Annual limits apply
- Wellness costs extra
Lemonade
Best Budget Option
$18-35/mo
estimated monthly
Affordable coverage for Havanese owners who want solid protection at low cost.
Pros
- Very affordable
- Fast claims
- Covers hereditary conditions
- Easy app
Cons
- Newer company
- Add-ons increase cost
Healthy Paws
Best Unlimited Coverage
$28-48/mo
estimated monthly
No caps mean your Havanese's knee surgery, eye treatment, or any condition is fully covered.
Pros
- No annual limits
- Covers hereditary conditions
- Fast claims
- No per-condition caps
Cons
- No wellness coverage
- 12-month orthopedic wait
How Much Does Havanese Insurance Cost?
Havanese have moderate insurance costs. Here's what to expect:
Puppy (8 weeks - 1 year)
$20 - $35/month
Adult (1-9 years)
$26 - $48/month
Senior (10+ years)
$45 - $80+/month
* Estimates based on average rates. Actual cost depends on your location, chosen deductible, reimbursement level, and coverage limits.
Frequently Asked Questions
Is pet insurance worth it for a Havanese?
Yes. Havanese face knee problems, cataracts, and heart conditions. Insurance helps manage these hereditary concerns.
Are Havanese healthy dogs?
Generally healthier than many toy breeds, but still prone to knee, eye, and heart issues. Their 14-16 year lifespan makes insurance a good long-term investment.
Do Havanese have knee problems?
Luxating patella is common. The kneecap slides out of place, sometimes requiring surgery. Watch for limping or skipping gait.
Are Havanese hypoallergenic?
They're considered hypoallergenic due to low shedding, but the dogs themselves may have allergies. No dog is truly hypoallergenic.
How long do Havanese live?
14-16 years typically—longer than most breeds. Their longevity makes managing chronic conditions important.
Protect Your Havanese
Protect your cheerful Havanese from hereditary health issues. Compare quotes today.
Compare Top Providers →