Yorkshire Terrier vs Havanese: Pet Insurance Comparison
Side-by-side comparison of Yorkshire Terrier and Havanese insurance costs, health risks, and coverage needs.
If you're deciding between a Yorkshire Terrier and a Havanese, understanding the insurance landscape for each breed can help you budget more effectively for your new pet's healthcare. Both are toy breeds, so their size-related health risks are comparable, but breed-specific conditions create meaningful differences in insurance costs. The Yorkshire Terrier has a typical lifespan of 12-15 years compared to 14-16 years for the Havanese.
When it comes to insurance, the Havanese is the more costly breed to cover at approximately $47/month compared to $45/month for the Yorkshire Terrier — a difference of $2/month or about $24/year. This premium gap reflects breed-specific health predispositions.
Health-wise, the Yorkshire Terrier is predisposed to luxating patella, dental disease, tracheal collapse. The Havanese, on the other hand, is prone to luxating patella, cataracts, hip dysplasia. Both breeds share susceptibility to luxating patella, so insurance coverage for this condition is important regardless of which breed you choose.
For prospective owners, budget-conscious owners may find the Yorkshire Terrier more affordable to insure. Regardless of which breed you choose, enrolling in pet insurance while your pet is young and healthy ensures you'll have coverage when you need it most — and avoids the pre-existing condition exclusion that makes later enrollment less valuable.
| Attribute | Yorkshire Terrier | Havanese |
|---|---|---|
| Size | toy | toy |
| Weight | 4–7 lbs | 7–11 lbs |
| Lifespan | 12–15 yrs | 14–16 yrs |
| Avg Vet Cost | $800/yr | $800/yr |
| Insurance Premium | $52–$65/mo | $54–$68/mo |
| Common Conditions | 5 | 5 |
| Popularity Rank | #13 | #25 |
Yorkshire Terrier Health Risks
- Luxating Patella — $1,500–$5,000
- Dental Disease (Periodontal Disease) — $500–$3,000
- Tracheal Collapse — $2,000–$6,000
- Portosystemic Shunt — $3,000–$10,000
- Hypoglycemia (Low Blood Sugar) — $200–$2,000
Havanese Health Risks
- Luxating Patella — $1,500–$5,000
- Cataracts — $2,500–$5,000
- Hip Dysplasia — $1,500–$12,000
- Deafness (Congenital and Acquired) — $200–$2,000
- Heart Murmur — $500–$5,000
Frequently Asked Questions
Is Yorkshire Terrier or Havanese more expensive to insure?▾
Yorkshire Terrier insurance starts at $52/mo while Havanese starts at $54/mo. Havanese is more expensive due to higher vet costs ($800/yr).
Which breed has more health problems, Yorkshire Terrier or Havanese?▾
Yorkshire Terrier is prone to luxating patella, dental disease (periodontal disease), tracheal collapse, portosystemic shunt, hypoglycemia (low blood sugar). Havanese is prone to luxating patella, cataracts, hip dysplasia, deafness (congenital and acquired), heart murmur.