toy

Yorkshire Terrier

11–15 year lifespan · toy breed · 4–7 lbs

$37,500 – $51,000

Estimated 13-year lifetime cost of a Yorkshire Terrier in California, excluding insurance

$4,800 First year
$3,150 Each year after
$500 Expected medical

For your breed and state, self-insuring is likely more cost-effective than paying premiums.

How much does a Yorkshire Terrier cost per year?

Annual cost breakdown for a Yorkshire Terrier in California. Ranges reflect typical low-to-high spending.

Food $650–$850
Routine Vet Care $600–$800
Preventatives $200–$300
Illness & Emergency Reserve $350–$450
Grooming $650–$850
Supplies & Gear $250–$350
$3,150
per year
Food$75024%
Routine Vet Care$70022%
Preventatives$2508%
Illness & Emergency Reserve$40013%
Grooming$75024%
Supplies & Gear$30010%

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What health problems do Yorkshire Terriers have?

Breed-specific conditions your Yorkshire Terrier may face, ranked by expected cost impact.

Patellar Luxation

●●○○ moderate Age 1–5
Probability 20%
Treatment range $0–$5,400

Periodontal Disease

●○○○ mild Age 1–8
Probability 35%
Treatment range $0–$1,100

Cataracts

●●○○ moderate Age 5–12
Probability 7%
Treatment range $50–$6,750

Pancreatitis

●●○○ moderate Age 3–12
Probability 6%
Treatment range $50–$6,750

Hypothyroidism

●○○○ mild Age 4–10
Probability 8%
Treatment range $0–$200

Risk tier: low. Total expected medical cost: $500 over the breed's lifetime.

Is pet insurance worth it for a Yorkshire Terrier?

Over your dog's lifetime, you'll pay $4,500 in premiums. Expected uninsured medical costs: $0–$2,500.

Self-insure may be betterPets Best · 13-year projection
Best value

Pets Best

Monthly premium $30/mo
Annual premium $350/yr
Deductible $200
Reimbursement 90%
  • Hereditary and congenital conditions covered
  • Bilateral condition coverage (both sides)
  • Unlimited annual limit available

Get a quote from Pets Best

MetLife

Monthly premium $45/mo
Annual premium $550/yr
Deductible $250
Reimbursement 100%
  • Hereditary and congenital conditions covered
  • Bilateral condition coverage (both sides)
  • Dental illness included
  • Unlimited annual limit available

Get a quote from MetLife

Trupanion

Monthly premium $45/mo
Annual premium $550/yr
Deductible $200
Reimbursement 90%
  • Hereditary and congenital conditions covered
  • Bilateral condition coverage (both sides)
  • Unlimited annual limit available
  • No orthopedic waiting period

Get a quote from Trupanion

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Frequently asked questions

How much does a Yorkshire Terrier cost over its lifetime?

A Yorkshire Terrier costs between $37,500 and $51,000 over its 11–15 year lifespan in California. The first year typically costs around $4,800 including supplies, training, and initial vet visits.

What are the most common Yorkshire Terrier health problems?

The most common health issues for Yorkshire Terriers include Patellar Luxation, Periodontal Disease, Cataracts, and Pancreatitis. Owners should budget for both preventive care and potential treatment costs.

Is pet insurance worth it for a Yorkshire Terrier?

For your breed and state, self-insuring is likely more cost-effective than paying premiums. The Yorkshire Terrier is a toy breed with moderate health risks. Patellar luxation surgery and dental costs add up. Lower premiums due to small size make insurance good value.

How much does Yorkshire Terrier food cost per month?

Yorkshire Terrier 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 Yorkshire Terrier pet insurance per month?

Pet insurance for a Yorkshire Terrier costs $20–$50 per month (average $33/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.