1. Patellar luxation
Source dated accessed 2026-05-20Knee joint instability; very common in toy breeds.
Yorkshire Terrier Insurance NZ
Hereditary risks, breed-specific cover considerations, and the NZ pet insurers offering dog cover.
Small dog (≤10 kg) Lifespan 13–16 years Also known as Yorkie, Yorkies
What to think about when insuring a Yorkshire Terrier
Toy breed with good longevity; patellar luxation and hepatic shunt are key concerns. Ensure lifetime orthopedic/surgical benefits and hepatic disease coverage; verify ocular surgery benefits.
Hereditary and breed-related conditions
Sourced from UK Kennel Club Breed Health & Conservation Plans, Royal Veterinary College VetCompass, and peer-reviewed veterinary literature. Every condition cited; pop-vet sources excluded.
2. Portosystemic vascular shunt
Source dated accessed 2026-05-20Abnormal liver blood vessel bypassing liver; can cause neurological signs, poor growth.
Source: https://www.thekennelclub.org.uk/health/for-breeders/tackling-inherited-diseases/
3. Lens luxation
Source dated accessed 2026-05-20Lens displacement in eye; can cause glaucoma and vision loss.
Why this matters for pet insurance: NZ pet insurers handle hereditary and congenital conditions differently — some cover them, some exclude them entirely, some cover with breed-specific exclusions. The condition has to be insured BEFORE diagnosis to be covered. Compare insurer rules for hereditary cover →
NZ insurers offering Yorkshire Terrier cover
All 8 NZ pet insurers in our wording index offer dog cover. Wordings differ on hereditary conditions, waiting periods, age caps, and excess. Snapshot generated 2026-05-20.
AA Pet Insurance
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Cove Pet Insurance
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PD Insurance
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Petcover (Petplan NZ)
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PetNSur
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Southern Cross Pet Insurance
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SPCA Pet Insurance
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Tower Pet Insurance
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Find the right policy for your Yorkshire Terrier
60-second scenario matcher — filter by hereditary cover, waiting period, age caps and what you can afford. Sourced from real insurer wordings, not marketing pages.
Find my top 3 policies →Frequently asked questions
What are the main hereditary conditions in Yorkshire Terriers?
Yorkshire Terriers are most commonly screened for: Patellar luxation, Portosystemic vascular shunt, Lens luxation. Each condition has a different prevalence and a different impact on pet insurance cover — see the sources cited above for the underlying veterinary literature.
Does pet insurance cover hereditary conditions in Yorkshire Terriers?
It depends on the wording. Some NZ pet insurance policies cover hereditary and congenital conditions after a waiting period; some exclude them entirely; some cover with breed-specific exceptions. The condition must not have been pre-existing at the time you took out the policy. Use our policy match to filter by hereditary cover.
What size is a Yorkshire Terrier?
Yorkshire Terriers are Small dog (≤10 kg). Typical lifespan is 13–16 years.
When should I insure a Yorkshire Terrier?
As early as possible — ideally as a puppy before any hereditary or congenital conditions develop or are diagnosed. Once a condition has been observed, treated, or even noted in vet records, NZ pet insurers will treat it as pre-existing and exclude it from future cover. This matters most for breeds with strong hereditary risk profiles.
Not personalised advice. Editorial overview only. NZ pet insurance wordings change — read your policy document and quote with the insurer for binding terms.
Hereditary-condition data sourced from UK Kennel Club, RVC VetCompass, OFA, and peer-reviewed veterinary research. Insurer roster snapshot from 2026-05-20. Page generated 2026-05-29.