Common health issues, typical vet costs, and whether insurance is worth it for a Shih Tzu.
| Condition | Typical cost |
|---|---|
| Brachycephalic breathing | $1,000–$4,000 |
| Eye ulcers / proptosis | $300–$2,000 |
| Dental disease | $500–$1,500 |
| Patellar luxation | $1,500–$3,000 |
Given this breed's risk profile, a single serious event can run into the thousands — often more than years of premiums. Because pet insurance never covers pre-existing conditions, the best time to enroll a Shih Tzu is while it's young and symptom-free. Run your own numbers below.
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Shih Tzus are commonly affected by Brachycephalic breathing, Eye ulcers / proptosis, Dental disease, Patellar luxation. Flat-faced and long-lived, Shih Tzus mainly face breathing, eye, and dental costs.
Because this breed carries average cost risk and treatments can reach thousands of dollars, insurance often pays off — but only if you enroll before any condition becomes pre-existing.
Premiums depend on age, location, and the plan, but small dogs like the Shih Tzu generally cost more to insure when breed risk is higher. Use the worth-it calculator for a personalized estimate.