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Shih Tzu pet insurance costs ₹3,500-11,000 per year. Eye problems and skin allergies account for most claims with this breed. Digit offers the best eye surgery coverage with no sub-limits. Bajaj Allianz has lower premiums but caps ophthalmic procedures at ₹5,000. Insure before age 2 to avoid eye condition exclusions.
What does Shih Tzu insurance cost per year?
Shih Tzu insurance costs ₹3,500 per year at the entry level and climbs to ₹11,000 for full-coverage plans with breed-specific riders. The gap between cheapest and most expensive isn't just about coverage depth — it's about what gets excluded.
You'll find 7 IRDAI-registered providers with Shih Tzu plans. Base premiums start at ₹3,500 (Bajaj Allianz, New India) and go up to ₹11,000 for full-coverage plans with unlimited payouts. The mid-range options at ₹6,000-8,000 from Digit and HDFC Ergo are where most Shih Tzu owners land — they cover eye problems without sub-limits that gut the actual payout.
Shih Tzu insurance premiums by provider (2026)
| Provider | Annual Premium | Covers Eye Problems | Claim Settlement |
|---|---|---|---|
| Digit | ₹3,500 | Yes — no sub-limits | 18-25 days avg |
| HDFC Ergo | ₹3,500-8,000 | Yes — up to ₹1 lakh | 15-22 days avg |
| Bajaj Allianz | ₹2,800-6,500 | Partial / Check exclusions | 10-15 days avg |
| Future Generali | ₹3,200-9,000 | Yes — with rider | 20-28 days avg |
| New India Assurance | ₹2,500-7,000 | Limited coverage | 25-35 days avg |
Eye problems in Shih Tzus: which plans cover surgery?
Eye Problems isn't just common in Shih Tzus — it's the condition that separates a useful policy from one that looks good on paper. Surgery for eye problems runs ₹15,000-40,000. That's the cost that makes or breaks whether your insurance paid for itself.
The eye problems treatment costs ₹15,000-40,000. Digit and HDFC Ergo cover this without per-claim caps that limit the payout. Bajaj Allianz's lower premium comes with restrictions that matter most when you need to use the policy.
Grooming-related skin issues — covered or not?
Not all providers treat Shih Tzus the same. Premiums vary by ₹2,000-5,000 for the same dog, and the exclusions vary even more. Here's how the three most popular providers for Shih Tzu owners stack up.
Coverage comparison for Shih Tzus — top 3 providers
| Feature | Digit | HDFC Ergo | Bajaj Allianz |
|---|---|---|---|
| Annual Premium | ₹3,500+ | ₹3,500+ | ₹2,800+ |
| Eye Problems Coverage | Full | Full | Partial / Excluded |
| Pre-existing Conditions | Excluded after waiting | 12-month waiting period | 24-month waiting period |
| Claim Settlement Time | 18-25 days | 15-22 days | 10-15 days |
| Age Limit | Up to 10 years | Up to 9 years | Up to 8 years |
Shih Tzu vs Pomeranian insurance — who pays more?
Age is the biggest driver of Shih Tzu insurance premiums. A 1-year-old Shih Tzu costs ₹3,500/year to insure. The same dog at age 5 costs 40-60% more. At age 7, you're looking at ₹11,000 — if you can even get coverage.
Premium by age — Digit rates for illustration
| Dog Age | Annual Premium | Key Difference |
|---|---|---|
| Under 1 year | ₹3,500 | Best rates, clean health record |
| 1-3 years | ₹3,500-₹6,000 | Still affordable, sweet spot |
| 4-6 years | ₹6,000-9,000 | 40-60% increase vs age 2 |
| 7+ years | ₹11,000 | Highest rates, most exclusions |
Note
3 real Shih Tzu claims: what was filed and what was paid
Real claims tell you more about a policy than any brochure. Here's what Shih Tzu owners actually filed — and what got paid.
— Entropion eye surgery — ₹22,000, ₹18,500 covered by Digit
— Skin allergy treatment (annual) — ₹9,800 reimbursed
— Dental cleaning under anaesthesia — ₹7,500, not covered by most providers
One more thing worth knowing: the claim process matters as much as the policy terms. Digit and HDFC Ergo have online claim portals that accept digital vet bills. New India and Oriental still require physical documents, which adds 5-7 days to every claim. If your dog needs emergency care, that lag matters.
Comparing across breeds? See compare all pet insurance providers. For more background: Pug insurance (similar breed profile).