How much is pet insurance for a Chow Chow?

Every published Chow Chow figure

Each source measures something different, so the figures sit side by side and are never averaged together. Of the breed tables tracked here, only Pawlicy Advisor's includes the Chow Chow: Forbes Advisor, Fetch and Insurify publish shorter breed lists that leave it out.

Where the Chow Chow sits among 82 dog breeds

Ranked by Pawlicy's median, the Chow Chow is the 38th most expensive of the 82 dog breeds and types Pawlicy lists. Its median is 2% more than the middle dog breed on that list ($59.27) and 32% more than Pawlicy's mixed-breed dog ($45.70).

The spread inside the breed matters as much as the median. A quarter of Chow Chow quotes came in under $48.65 and a quarter over $65.57; the middle half spans 28% of the median. The range reaches further below the median ($12) than above it ($5), so a cheaper policy shape pulls some quotes well under the typical one. Pawlicy does not say which ages, deductibles or limits sit at each end.

What dog claims are usually for

None of the six ACVS condition pages used on this site names the Chow Chow, which says nothing either way about its health: those pages list only the best-known examples. Across the whole insured population, NAPHIA's 2025 report ranks the most common dog claims as gastrointestinal, ear infection (otitis), skin conditions, anxiety, behavioral or neurological and allergies. Breed-predisposed conditions for other breeds are listed under health problems by breed.

Premiums against a real vet bill

Insurers' own claim data gives a sense of scale. For swallowing a foreign object, a common accident in any breed, Trupanion publishes an average claim of $2,964. At $60.47 a month that bill equals 49 months of premiums.

Worked through a policy with a $250 deductible and 80% reimbursement (the terms Forbes Advisor priced): the policy pays ($2,964 − $250) × 80% = $2,171, leaving $793 for the owner. Add a year of premiums ($726) and the insured year costs $1,518 against $2,964 without cover, $1,446 less. *The break-even bill, where both cost the same, is $250 + $726 ÷ 80% = $1,157 in a policy year; a year with smaller bills costs more insured. The calculator reruns this with other terms, and is pet insurance worth it? shows the method.

Age moves the price more than breed

These all-breed figures cannot be applied to the Chow Chow figure above, but they show the direction. Forbes Advisor's average for a dog at a $5,000 limit runs from $43 at 3 months to $74 at 7 years (72% more). Insurify's medians climb from $46 for an adult dog to $116 for a senior, 152% more. NAPHIA's average dog premium rose 34% from 2021 to 2025. See pet insurance cost by age.

Similar dog premiums

• Great Pyrenees: $60.37 a month (Pawlicy Advisor)
• Boxer: $59.94 a month (Pawlicy Advisor)
• Affenpinscher: $59.50 a month (Pawlicy Advisor)
• Bichon Frise: $59.04 a month (Pawlicy Advisor)

Premiums also vary by state: Pawlicy's all-pet median runs from Hawaii ($64.01) through Oklahoma ($43.97) to Alaska ($28.02). No source publishes breed figures by state, so this site does not combine the two. Browse every state or every breed.

Sources: Pawlicy Advisor (Median monthly premium of real Pawlicy customer quotes across the insurers it sells; the range is the 25th to 75th percentile. The page labels the median as the average.), NAPHIA State of the Industry 2026, Trupanion claims examples, NAIC Pet Insurance Model Act. Last checked October 20, 2026. Method on the methodology page.