Shih Tzu Insurance in Australia
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By Jay Fan 路 Pet Insurance Analyst 路 Updated July 5, 2026 路 About the author
This statement is not presented as current evidence. Check a current primary source before relying on it.
Why Shih Tzus are expensive to insure
Shih Tzus are brachycephalic, meaning they have flat faces with shortened airways. This single trait drives up insurance costs because it correlates with a long list of health problems. Breathing difficulties, eye injuries, skin fold infections, and spinal issues all appear more frequently in flat-faced breeds.
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Common health issues in Shih Tzus
Shih Tzus face more health problems than the average dog, mainly because of their skull shape. Here is what you need to know about the conditions that drive claims.
Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
Skin allergies and ear infections. Shih Tzus have sensitive skin and floppy ears that trap moisture. Recurring ear infections and skin allergies are common and require ongoing treatment.
Puppy versus adult Shih Tzu insurance
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This page does not publish that population estimate as current evidence. Ask a veterinarian about the individual animal and consult a current veterinary source for any statistic.
Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
Three providers worth looking at
Trupanion
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Bow Wow Meow
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What to do right now
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If you are still looking for a Shih Tzu puppy: find a breeder who screens for eye and spinal issues. A healthy puppy from a responsible breeder is cheaper to insure than one from a backyard operation with unknown lineage.
Grooming costs and how they affect insurance
Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
Senior Shih Tzu care and insurance considerations
This page does not publish that population estimate as current evidence. Ask a veterinarian about the individual animal and consult a current veterinary source for any statistic.
Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
Comparing annual versus lifetime cover for Shih Tzus
Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
Compare Shih Tzu insurance providers
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