Havanese Insurance Guide

Havanese Insurance: What Canadian Owners Should Know

By PetAssured Editorial Team Last reviewed : July 6, 2026 7 min read

Quick Answer

The Havanese is a sturdy, long-lived toy breed and one of the healthier small dogs — but not risk-free. Its main concerns are patellar luxation (slipping kneecaps), eye disease (cataracts, PRA, cherry eye), Legg-Calvé-Perthes and hip issues, heart murmurs (mitral valve disease), and the dental problems common to all small breeds. Premiums are moderate for a toy breed, and comprehensive coverage enrolled early is sensible for the orthopedic and eye risks.

The Havanese — Cuba's national dog — is a cheerful, affectionate companion breed that often lives 14–16 years. It's genuinely one of the more robust toy breeds, without a single catastrophic risk dominating its profile. But 'robust for a toy breed' still means a handful of hereditary conditions worth planning for, several of them orthopedic or surgical. Here's the honest picture for Canadian owners.

Havanese at a glance

Typical adult weight3–6 kg — small but solid
Lifespan14–16 years — a long-lived breed
Coat & groomingLong, silky, low-shedding double coat; high grooming needs
TemperamentCheerful, affectionate, sociable — a devoted companion
Energy levelModerate — playful but adaptable to apartments
Insurance snapshotModerate premiums; healthier than most toys, but knees and eyes justify coverage

Common Havanese health issues

ConditionHow commonTypical treatment cost (CAD)
Patellar luxationCommon — slipping kneecaps typical of toy breedsSurgery ~$1,500–$5,000 per knee if needed
Eye disease (cataracts, PRA, cherry eye)Several hereditary eye conditions occurCataract/cherry-eye surgery; PRA leads to blindness
Legg-Calvé-Perthes & hip issuesSeen in small breeds; hip joint degenerationOften surgical (FHO)
Heart murmur / mitral valve diseaseA senior risk, as in many small breedsLifelong cardiac medication and monitoring
Dental diseaseVery common — crowded small-breed jawsModerate per cleaning; recurring, extractions add up
Chondrodysplasia / deafnessOccurs in the breed lineVariable; skeletal and hearing issues
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Our Recommendation

For a Havanese, comprehensive accident-and-illness coverage enrolled early is sensible even though it's a healthier toy breed. The realistic bills are patellar luxation and eye surgery — both surgical, both often bilateral — plus lifelong dental care and, in seniors, heart-murmur management. Because the breed is long-lived, chronic senior conditions have plenty of time to appear. Insure while your dog is young and healthy, ask the breeder about eye (CERF/OFA) and patella certifications, and stay ahead of dental care throughout life.

A healthier toy breed — but not a risk-free one

The Havanese earns its reputation as one of the sturdier small breeds, without a single dominant catastrophic risk the way a Dachshund has IVDD or a Cavalier has heart disease. What it does have is a cluster of the orthopedic and eye conditions typical of toy dogs: patellar luxation (slipping kneecaps, often needing surgery and often in both knees), several hereditary eye diseases including cataracts and cherry eye, and hip-joint degeneration. None is guaranteed, but each is common enough to plan for.

Long life means more time for chronic costs

Because Havanese routinely live to 14–16, they have plenty of time to develop the chronic conditions of old age — mitral valve heart disease and lifelong dental care chief among them. That longevity is a good reason to insure early rather than assume a healthy breed won't need coverage: the conditions that do appear tend to be chronic and to arrive after years of clean history, and each becomes a pre-existing exclusion the moment it's diagnosed. See best pet insurance for dogs.

Frequently asked questions

Are Havanese healthy dogs?
Yes — the Havanese is one of the healthier toy breeds and often lives 14–16 years, without a single catastrophic hereditary risk. It still faces the orthopedic and eye conditions common to small dogs (patellar luxation, cataracts, cherry eye) and, in old age, dental and heart-murmur issues, so it isn't risk-free.
Is a Havanese expensive to insure?
Premiums are moderate and typical of a small companion breed — lower than large or high-risk breeds. The value comes from the surgical risks (knees, eyes) and the chronic senior conditions that a long-lived dog has time to develop. Enrolling early keeps the premium low and avoids pre-existing exclusions.
Do Havanese need knee surgery?
Some do. Patellar luxation (a slipping kneecap) is common in the breed and in toy dogs generally; mild cases are managed conservatively, but moderate to severe cases often need surgery, which can run $1,500–$5,000 per knee and is frequently bilateral. Ask your breeder about patella certification on the parents.
When should I insure a Havanese?
As young and healthy as possible. Even a robust, long-lived breed develops orthopedic, eye, dental, and heart conditions over 14–16 years, and once any is diagnosed it's excluded from a new policy. Enrolling a young, healthy Havanese locks in the broadest coverage at the lowest premium for that long life.