Pet insurance for your Chow Chow.

  • Comprehensive Lifetime Chow Chow insurance up to £15,000

  • Unlimited free video vet calls

  • Dental included as standard

A bald man hugging two Chow Chows.

Protect your pet with Waggel.

Have you ever felt slightly uneasy about rising vet bills or the worry that your beloved Chow Chow might develop a tricky health concern?

Many pet lovers share this anxiety, especially when they have a sturdy yet sometimes aloof guard dog like the Chow Chow.

That sense of uncertainty can keep you up at night. No one wants to face a hefty veterinary bill alone.

Relax with Waggel’s dog insurance, which aims to protect you and your four-legged companion when life happens.

A cream-coloured Chow Chow walking through grass,

Understanding your Chow Chow’s unique needs.

Why does a Chow Chow need special coverage?

A Chow Chow might look like a cuddly teddy bear, but this breed is known for its proud stance, bold temperament, and occasional aloof nature.

Chows can be fiercely devoted to their families, yet they may also have some tendency toward health conditions that call for extra support. That’s where a strong pet insurance plan comes into the picture.

Navigating coverage can feel confusing. You might not be sure if you need a Lifetime policy, whether you should insure from puppyhood, or how to deal with pre-existing conditions.

We get it, it’s a lot to balance. Thankfully, Waggel has simplified everything for you with our single, flexible Lifetime policy.

(Quick heads up: If your Chow Chow does happen to have any issues before enrolment, then those pre-existing conditions won’t be covered by Waggel. Learn more here.)

Common health issues in Chow Chows.

Your Chow is majestic, but they’re also prone to specific health conditions, including hip dysplasia (which can affect mobility) and entropion (inward-rolling eyelids).

Treating these or other ongoing issues without insurance can quickly add strain to the household budget.

The cost of Chow Chow pet insurance in the UK with Waggel often runs around £36.00 per month on average, which is a big relief when the following conditions potentially cost so much to handle:

Condition

Approximate treatment cost

Description

Entropion

£600–£1,200

Surgical repair of eyelids to avoid irritation and damage

Hip dysplasia

£1,000–£7,500 (depending on severity)

Corrective surgery to restore movement and reduce pain

Bloat (GDV)

£1,500–£3,000

Emergency gastric surgery to correct potentially fatal stomach twist

Note: Costs are approximate and can vary based on location and specific veterinary practices.

Because a Chow Chow can be a wonderful guard dog and companion, insurance ensures that if any of these procedures arise, you won’t feel financially cornered.

Why risk big surprises later when you can protect yourself right now?

A ginger Chow Chow walking next to his owner.

Cost of insurance versus medical bills.

Many pet owners ask if it’s worth insuring a chow or simply saving day to day. But vet treatments for your dog breed can reach thousands, especially for surgeries like fixing entropion or stabilising hip dysplasia. It’s comforting to know that paying around £36.00 a month (as of March 2025) for your pup’s coverage can keep those expenses in check.

Worried your Chow’s policy might jump up in cost or cap out if you ever make a claim? We’ve seen that concern a lot, so Waggel designed a flexible Lifetime policy that reinstates your chosen annual limit each year.

If you’d like to check how this breed's temperament and training fare, feel free to read all about it in our Chow Chow breed guide.

Types of dog insurance for your Chow Chow.

Type of policy

What it covers

Lifetime cover

This is the most comprehensive option if you want to insure your Chow Chow for the long haul. It helps cover the cost of treatment for any illness or injury that arises after your policy starts, as long as you renew each year.

It's especially useful for conditions Chow Chows are prone to, like elbow dysplasia or skin problems linked to their thick coat.

Time-limited cover

A more budget-friendly plan that helps with vet fees for a new injury or illness, but only for a set time (usually 12 months). After that, even if your pet is treated, the condition will no longer be covered.


This type of pet insurance can help with short-term issues, but it’s less suited to managing long-term health needs.

Maximum benefit cover

Gives you a set limit per condition (e.g., £2,000 for skin problems or £3,000 for joint issues). Once that pot runs out, it won’t reset, even if your pet is unwell again later.


This kind of insurance for Chow Chows can help in the short term, but be aware that insurance claim limits don’t refresh.

Accident-only cover

Only covers your dog if they’re hurt in an accident. If your Chow Chow puppy develops a condition like hip or elbow dysplasia, it won’t be included. While it’s one of the cheapest dog insurance policies, it offers limited protection.


You’ll also want to check that your cover includes emergency care.

A cream Chow Chow standing in a field.

The human touch at Waggel.

We’ve streamlined digital processes to make life easier, but we also know sometimes you just want an actual human to call on.

Every Waggel member is assigned a Customer Champion, a UK-based veterinary nurse who can help you when you claim. No wait times or complicated forms, just open communication.

If you’re curious about how we keep everything so smooth, our "Why choose Waggel?" article has the inside scoop. We’re pretty proud of how user-friendly our platform is, even if we occasionally treat it like our baby.

A ginger Chow Chow sitting in grass.

Chow Chow insurance that lasts a lifetime.

Flexible limits and Excess

Adjustable Annual Limit and Excess to suit your coverage and budgetary needs. It's just one of our many unique features and helps you to take control of your pet's policy.

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A sleeping cat with a heart above its head

Complete coverage

We'll cover your vet fees up to the limits selected. This includes consultation fees, diagnostics, procedures, surgery and medication.

A tube of toothpaste being squirted

Dental included

We cover treatment costs associated with dental-related accidents and illnesses up to £1,000.

Consider Waggel for your Chow Chow.

When you’ve got a unique companion like a Chow Chow, you want to protect them from the unknown. With Waggel as your partner, you’ll have a single, Lifetime pet insurance policy that resets yearly, with flexible limits and helpful digital tools.

We’re waiting to welcome you and your pup with open arms. If you’re ready to get started, get your quote here and see how simple it is to protect your Chow Chow from the big stuff (and the little stuff, too).

We’ll handle the heavy lifting while you enjoy the wonderful moments that come with caring for a loyal, fluffy Chow Chow.