Shih Tzu
10–18 year lifespan · toy breed · 9–16 lbs
$49,500 – $67,000
Estimated 13-year lifetime cost of a Shih Tzu in California, excluding insurance
For your breed and state, self-insuring is likely more cost-effective than paying premiums.
How much does a Shih Tzu cost per year?
Annual cost breakdown for a Shih Tzu in California. Ranges reflect typical low-to-high spending.
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What health problems do Shih Tzus have?
Breed-specific conditions your Shih Tzu may face, ranked by expected cost impact.
Brachycephalic Airway Syndrome
Cataracts
Patellar Luxation
Periodontal Disease
Allergies / Atopic Dermatitis
Risk tier: low. Total expected medical cost: $1,000 over the breed's lifetime.
Is pet insurance worth it for a Shih Tzu?
Over your dog's lifetime, you'll pay $11,000 in premiums. Expected uninsured medical costs: $0–$3,500.
Lemonade
- ✓ Covers hereditary brachycephalic conditions
- ✓ Hereditary and congenital conditions covered
- ✓ Bilateral condition coverage (both sides)
- ✓ Unlimited annual limit available
Pets Best
- ✓ Covers hereditary brachycephalic conditions
- ✓ Hereditary and congenital conditions covered
- ✓ Bilateral condition coverage (both sides)
- ✓ Unlimited annual limit available
AKC
- ✓ Covers hereditary brachycephalic conditions
- ✓ Hereditary and congenital conditions covered
- ✓ Bilateral condition coverage (both sides)
- ✓ Unlimited annual limit available
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Frequently asked questions
How much does a Shih Tzu cost over its lifetime?
A Shih Tzu costs between $49,500 and $67,000 over its 10–18 year lifespan in California. The first year typically costs around $6,050 including supplies, training, and initial vet visits.
What are the most common Shih Tzu health problems?
The most common health issues for Shih Tzus include Brachycephalic Airway Syndrome, Cataracts, Patellar Luxation, and Periodontal Disease. Owners should budget for both preventive care and potential treatment costs.
Is pet insurance worth it for a Shih Tzu?
For your breed and state, self-insuring is likely more cost-effective than paying premiums. The Shih Tzu is a toy breed with moderate health risks. Moderate health risks and lower premiums. Long lifespan means more premium payments, but dental and eye costs add up.
How much does Shih Tzu food cost per month?
Shih Tzu food costs typically range from $25 to $55 per month, with an average of $38. Costs vary based on food quality, brand, and your dog's specific dietary needs.
How much is Shih Tzu pet insurance per month?
Pet insurance for a Shih Tzu costs $22–$55 per month (average $36/mo). Premiums vary by your dog's age, location, chosen deductible, and reimbursement level.
Sources
Figures on this page are modeled estimates calibrated to published benchmarks (accessed 2026-07-21). Breed characteristics follow AKC breed standards. Full formula and inputs: our methodology.
Shih Tzu cost by state
Vet prices and insurance premiums vary widely by state. See the full Shih Tzu cost breakdown for where you live.