About the Lhasa Apso
Lhasas are family comedians who are regally aloof with strangers. They are smart, confident, and sophisticated. A little and old companion dog, the Lhasa Apso is a small and ancient companion dog. The disposition of the Lhasa Apso varies, and he may be very loud for his size. He, like many dogs, need daily exercise. His lengthy and voluminous coat necessitates frequent maintenance as well as cutting on occasion.
To avoid snags and tangles, the Lhasa's long flowing coat demands a lot of cleaning and combing.
Health problems that drive Lhasa Apso insurance claims
These are the conditions associated with the breed — the reason insuring a Lhasa Apso early, before anything is diagnosed and excluded as pre-existing, is the whole game.
Intervertebral disc disease
a disease of the spine
$2,500–$7,000
typical treatment
Keratoconjunctivitis Sicca
Dry eye
$200–$1,000
typical treatment
Hip Dysplasia
$1,500–$6,000
typical treatment
Treatment ranges are estimates compiled from veterinary sources (linked below); actual costs vary by region and severity.
Renting with a Lhasa Apso
Most of our readers rent — and the pet policy decides more than the insurance does. From the apartment communities we track nationwide:
81%
of apartment communities with a stated pet policy allow dogs
~96%
of apartments that publish a dog weight limit would accept a 18 lb adult (median cap: 50 lb)
$30/mo
median pet rent — about $360/year before any vet bill
$300
median one-time pet fee (a similar refundable deposit is common too)
Source: SafeButler apartment community dataset, 23,533 communities with published pet terms, July 2026. Full numbers in our apartment pet fees report.
Two costs stack for apartment dog owners: the building's pet charges, and the vet bills the building's fees do nothing about. Pet insurance addresses the second — and for renters, the liability side of a dog (bites, damage) runs through your renters policy, not your pet policy.
Care and grooming
Lhasas with a puppy cut or other clip should still be combed and bathed on a regular basis in between grooming appointments. Brushing long hair on a regular basis using the correct tools and techniques is essential. A long coat should be bathed every two weeks at the absolute least, and brushed once in between bathing. Shampoo residue irritates the skin, thus thorough rinsing is required. Grooming is made easier with conditioners and finishing sprays. Long or trimmed hair that has been freshly showered should be completely dried and brushed, as moist hair, even if clean, may mat.
Common questions
How much does lhasa apso insurance cost?
There is no single price — pet insurance premiums depend on your dog's age, your ZIP code, and the coverage you choose, and breed matters because it predicts claims. For the Lhasa Apso, the conditions to price against are real: intervertebral disc disease treatment alone can run up to $7,000. Comparing quotes for your specific pet takes about a minute and is the only accurate answer.
What health problems do Lhasa Apsos have?
The breed-associated conditions worth insuring against include Intervertebral disc disease, Keratoconjunctivitis Sicca, Hip Dysplasia. Costs for these range from routine management to four-figure treatment bills, which is why insuring a Lhasa Apso young — before anything becomes a pre-existing condition — matters more than for a mixed breed.
Can I have a Lhasa Apso in an apartment?
Usually, but check the pet policy before you fall in love with a floor plan. In our apartment dataset, 81% of communities with a stated policy allow dogs, and among those that publish a weight limit, roughly 96% would accept a 18 lb adult Lhasa Apso (the median cap is 50 lb). Expect pet rent and a one-time fee on top of your own rent — and note some buildings apply breed restrictions regardless of size.
Does insurance cover my Lhasa Apso biting someone?
Not pet insurance — that covers your dog's own medical care. Liability for a bite falls to the liability portion of your renters or homeowners policy, and some carriers apply breed exclusions there, so it's worth checking both policies. Our guide to renters insurance and dog bites covers the details.
Before anything is pre-existing
See real prices for your lhasa apso
Quotes reflect your dog’s age and your ZIP code — compare top pet insurers in about a minute.
Other dog breeds
References
Our articles are intended for informational purposes and should not be considered legal or financial advice. Our articles are not written or reviewed by insurance agents. Consult your policies with your agent or a professional for details regarding terms, conditions, coverage, exclusions, products, services, and programs.
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