Chihuahua Pet Insurance: Should I Get It? [Expert Guide]

by | Jun 27, 2024 | Dogs, Pet Insurance

Owning a Chihuahua can be an incredibly rewarding experience, but it also comes with its fair share of responsibilities. As a pet parent, ensuring your furry friend’s health and well-being should be a top priority. One way to achieve this is by investing in pet insurance, a financial safety net that can provide peace of mind and protect your Chihuahua from unexpected medical emergencies.

Pet insurance is a type of insurance coverage that helps cover the cost of veterinary care for your beloved companion. It can help you manage the financial burden of unexpected illnesses or injuries. With the right plan, you can ensure your Chihuahua receives the necessary medical attention without worrying about the price tag.

Why Pet Insurance is Important for Your Chihuahua

Chihuahuas are known for their small stature and big personalities but can also be prone to certain health issues. These tiny canines may face challenges such as hypoglycemia, which can require costly veterinary interventions. By having pet insurance, you can alleviate the financial stress associated with these conditions and focus on providing your Chihuahua with the best possible care.

Moreover, unexpected accidents and injuries can happen at any time, and the costs of emergency veterinary care can quickly add up. Pet insurance can help you cover expenses like broken bones, lacerations, or even more serious conditions requiring hospitalization or surgery. This means you can make decisions about your Chihuahua’s health based on their well-being rather than your wallet.

Common Health Issues in Chihuahuas

Chihuahuas are generally a healthy breed, but they are susceptible to a few specific health concerns that pet owners should be aware of. Some of the most common issues include:

Dental Problems:

Chihuahuas are prone to dental issues, such as tooth decay and gum disease, which can lead to pain, infection, and even tooth loss if left untreated. Regular dental cleanings and checkups are essential to maintaining your Chihuahua’s oral health.


Chihuahuas are at a higher risk of developing low blood sugar or hypoglycemia due to their small size. If not properly managed, this condition can cause lethargy, tremors, and even seizures.

Tracheal Collapse:

This condition, caused by a weakening of the tracheal rings, can make breathing difficult for your Chihuahua. Severe cases may require surgery to correct a tracheal collapse.

Patella Luxation:

Chihuahuas can experience a condition where the kneecap (patella) slips out of its normal position, leading to pain and lameness.


This is a neurological condition characterized by an abnormal buildup of fluid in the brain, which can cause a variety of neurological symptoms.

Recognizing and taking proactive steps to address these common health concerns can help ensure your Chihuahua’s well-being. This is where pet insurance can play a crucial role in providing the financial support needed to access the necessary veterinary care.

Chihauhaus are generally a healthy breed but are predisposed to certain health conditions.  

Can Pet Insurance Help Cover Medical Expenses?

Pet insurance can be a valuable investment for Chihuahua owners, as it can help cover the costs of various medical treatments and procedures. Depending on the plan you choose, pet insurance can provide coverage for:

Illness and Injury: Pet insurance can help pay for the costs of treating illnesses, such as dental problems or hypoglycemia, as well as injuries, like those resulting from accidents.

Diagnostic Tests: Insurance can cover the expenses of diagnostic tests, such as X-rays, ultrasounds, and lab work, which are often necessary to diagnose and treat various health conditions.

Surgeries and Hospitalization: If your Chihuahua requires more intensive medical care, such as surgery or hospitalization, pet insurance can help alleviate the financial burden.


This method is the most common for pet insurance companies. You pay out of pocket for the veterinarian bill, and then the insurance company reimburses you for what’s covered under the insurance plan. The steps look like this.

  • You pay the vet bill after your dog’s visit.
  • You fill out the pet insurance claim form.
  • Submit the claim form and other required documentation to the insurer. 
  • After the claim is approved, you will be reimbursed for eligible expenses. 

What Does Odie Pet Insurance Cover?

Pet insurance covers various veterinary expenses, providing financial protection and peace of mind for pet owners. Here are the details of the coverage options offered by Odie Pet Insurance:

Illness & Injury Plan

The Illness & Injury Plan is an all-inclusive insurance plan designed to cover a wide range of medical needs for your pet. This plan includes comprehensive coverage for various illnesses, injuries, and veterinary services. Some of the covered items include:

  • 24/7 Televet Chat
  • Emergency vet visits
  • Overnight hospital stays
  • IV Fluids & Medications
  • Medical Supplies
  • Surgeries
  • MRI/CAT Scans
  • Rehabilitative Care
  • Prescription Medications
  • Gastrointestinal issues
  • Laboratory Tests

Accident-Only Plan

The Accident-Only Plan is designed for pet owners seeking coverage specifically for accidents. This plan provides financial protection for emergency veterinary care resulting from accidental injuries. It includes 90% reimbursement up to $10,000 each year, with a $250 annual deductible. 

Here’s an overview of the Accident-Only Plan:

  • Coverage for broken bones, sprains, eye injuries, and traumatic dental fractures.
  • Coverage for wounds, including bite wounds, lacerations, snake bites, and bee stings.
  • Veterinary treatments covered for accidental injuries include X-rays & ultrasounds, laboratory tests, emergency care, hospitalization, CT scan & MRI, and surgery.

The Wellness Add-on Plan

The Wellness Plan is an add-on for routine care coverage you can purchase with an insurance policy. It focuses on preventive care and covers routine veterinary services. Odie has two wellness plan options available: 

 Basic Plan:

  • Covers services such as spay/neuter and teeth cleaning, rabies vaccination, flea & tick prevention, heartworm prevention, vaccination/titer, wellness exam, heartworm test or FELV screen, blood, fecal, parasite exam, microchip, urinalysis or ERD, and deworming.
  • Reimbursement up to $305 per year.

Plus Plan:

  • Ideal for puppies and kittens.
  • Covers services such as spay/neuter and teeth cleaning, rabies vaccination, flea & tick prevention, heartworm prevention, vaccination/titer, wellness exam, heartworm test or FELV screen, blood, fecal, parasite exam, microchip, urinalysis or ERD, and deworming.
  • Reimbursement up to $535 per year.


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