Home / Insurance / Cost / By Breed / Havanese
Short answer, with the honesty this section promises: no provider publishes an official premium for a Havanese, and no provider-published sample premium for this breed exists that we can cite, so anyone who gives you an exact breed price without quoting your dog is guessing. What can be done properly is to explain why this breed is priced the way it is, from its documented health profile, and to give a modelled estimate anchored to the market average that NAPHIA publishes. Both are on this page, labeled for what they are. For the breed itself, its temperament, size and care, see our full Havanese breed profile.
Estimated typical range: $40 to $70 a month for a standard accident and illness plan for a young adult Havanese. This is our estimate, not a quote and not a provider's published price. It is modelled on NAPHIA's 2025 average premium for a dog of $836 a year (about $70 a month), adjusted for this breed's risk profile: below the all-dog average, because small body treatment costs stay low even though the breed's screening list is thorough.
Three things move a real quote out of that range. Age is the largest: the same dog at nine can cost close to double its price at two. Location follows vet costs in your state and city. Settings follow your choices: a $100 deductible at 90% reimbursement with unlimited cover is the dearest combination at every provider, and a $1,000 deductible at 70% with a $5,000 limit is the cheapest. The estimate assumes the middle of those dials.
The Havanese is a 7 to 13 pound toy breed with a lifespan that often reaches 14 to 16 years, and its parent club runs one of the more complete screening programs among small breeds: hip evaluation, patella evaluation, an annual eye examination and BAER hearing testing for congenital deafness, with cardiac examination also common among breeders. Each item on that list maps to a real claims category. Luxating patellas are the standard small breed orthopedic cost and can reach surgery at the higher grades. Hereditary eye disease, including cataracts that can form young in this breed, brings specialist ophthalmology into the picture. Legg-Calve-Perthes disease, a hip condition of young small dogs in which the top of the thigh bone loses its blood supply, can need surgery in the first years of life.
Liver shunt appears in the breed's health record as well: a congenital vessel problem that routes blood around the liver and can need specialist surgery or lifelong medical management. Heart conditions and deafness complete a list that is long for a small dog. Why is the premium still low? Because every procedure is priced at toy breed scale: tiny drug doses, small dog anesthesia and short hospital stays. Insurers are pricing frequency over a very long life at the lowest unit costs in the market, and the result sits near the bottom of the premium table.
Accident-only cover, at a dog average of $190 a year, would help with a fall or a jump gone wrong, both real risks for a small dog in a busy house. It pays nothing for patella surgery, cataract care, liver shunt treatment or any other illness, and illness is where nearly all of this breed's lifetime vet spend sits. Accident-only cover is a partial answer here at best.
Read the hereditary wording first: patella, eye disease and liver shunt all sit in the hereditary and congenital category, so confirm that category is covered in full and note the orthopedic waiting period that applies to knees. Dental wording is worth a second look in any small, long lived breed, because dental illness cover ranges from included with a cap to accident damage only across providers. Because a Havanese can claim small amounts for a decade and a half, deductible shape matters more than it looks: an annual deductible returns every year, while a once-per-condition deductible is met a single time per condition.
Compare all six providers in the ranked best pet insurance comparison, and see how breed fits the wider market in the dog insurance cost guide and the cost by breed index, which lists every breed page in this series including the six published in the first tranche.
There is no official breed price list, and no provider publishes a sample premium for this breed that we can cite. As an estimate for orientation, a standard accident and illness plan for a young adult Havanese typically falls around $40 to $70 a month, modelled on NAPHIA's 2025 all-dog average of $836 a year (about $70 a month) and adjusted for this breed's documented risk profile: below the all-dog average, because small body treatment costs stay low even though the breed's screening list is thorough. Puppies usually price below the range, senior dogs above it, and your deductible, reimbursement rate and annual limit move the figure further. Only a live quote prices your actual dog.
Insurers price the breed's claims record, not your individual dog: the inherited conditions the breed is known for, the cost of treating a dog of its size, and how often dogs of the breed claim across the market. The health section on this page sets out the specific conditions behind this breed's pricing, drawn from AKC breed health guidance.
Yes, where hereditary conditions are covered and the patella problem was not recorded before the policy started or during the orthopedic waiting period. Waiting periods for orthopedic conditions range from 14 days at Spot to six months at some other providers, and one provider lets a vet examination shorten that wait, so compare this clause directly if knees are your main concern.
As a puppy or young adult, before anything is diagnosed or recorded. Every condition noted by a vet before enrollment, or arising during a waiting period, becomes pre-existing and is excluded, and for this breed the excluded condition is usually the one the insurance was wanted for.
Accident-only cover is the cheapest option in the market, averaging $190 a year for dogs on NAPHIA's 2025 figures, but it pays nothing for illness or inherited disease. The accident section on this page weighs that trade against this breed's specific risk profile, because the right answer differs by breed.
Raise the deductible to an amount you could genuinely pay, choose 80% instead of 90% reimbursement, and compare at least three providers on identical settings, because providers weight the same breed differently. Keep the annual limit meaningful: cutting the limit to the minimum saves a little premium and removes the cover that matters most for this breed.
This page is general information about how dog insurance works in the United States. It is not financial advice, it is not a quote, and it does not sell insurance. Premiums, waiting periods, exclusions and availability vary by state, by dog and over time, and the policy wording and sample policy on the provider's own site are the only terms that count. Always read the sample policy, including the exclusions and the definition of a pre-existing condition, before you buy.
The breed health notes on this page are general information drawn from the published guidance of the organizations listed under Sources below. They are not veterinary advice and do not replace your own veterinarian, who knows your dog. If your dog is unwell or injured, contact your veterinarian, the ASPCA Animal Poison Control Center on (888) 426-4435, or the Pet Poison Helpline on (855) 764-7661 straight away. A consultation fee may apply on the helplines.
Last updated: November 2026. The range on this page is a modelled estimate anchored to NAPHIA's published average, as labeled; it is not a quote, and no breed-specific sample premium is published for this breed. How we work: our methodology.