Pet Insurance for Japanese Chins

Find out all about Japanese Chins and their common health conditions, then compare pet insurance options from some of Australia’s leading insurers.

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, updated on September 20th, 2023       

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Price range

$300 – $1,200






Affectionate, gentle, sensitive

Coat length

Long, silky

Exercise needs



Yes – with supervision, and better suited to older children

Life expectancy

10–14 years

Japanese Chin


The Japanese Chin, also known as the Japanese Spaniel, is a toy breed known for its silky coat and regal demeanour. Originally from China, the Japanese Chin is steeped in history, finding favour first among Japanese nobility before being introduced to Europe in the 17th century. Today, Japanese Chins are beloved worldwide for their affectionate and devoted nature.

The breed’s distinct appearance features a broad head, wide-set eyes, short, broad muzzle and a profuse coat. While small in size, they have big personalities and enjoy being the centre of attention. They are also notable for their ‘cat-like’ qualities such as their independent attitude, cleaning themselves with their paws and their preference for high surfaces.

Although they may be reserved around strangers, Japanese Chins are loyal and friendly animals that thrive on companionship. They form deep bonds with their families, often seeking out their owners for attention. 

Common diseases and conditions of Japanese Chins

  • Luxating patella: this is a common condition where the kneecap dislocates from its normal position, causing discomfort and mobility problems.
  • Brachycephalic syndrome: Japanese Chins have short noses and flat faces, which can lead to breathing difficulties and other respiratory issues.
  • Heart conditions: some Japanese Chins may be prone to heart problems such as mitral valve disease.
  • Eye conditions: Japanese Chins are susceptible to various eye issues like cataracts, progressive retinal atrophy (PRA) and corneal ulcers.
  • Dental problems: due to their small mouths, Japanese Chins can be prone to dental issues, including tooth loss and gum disease.

Breed-specific issues:  

Japanese Chins can be reserved around strangers, so early and consistent socialisation is crucial to help them become more comfortable in unfamiliar situations. This breed can be sensitive to abrupt movements or rough handling, so interactions with small children should be supervised.

Owners of Japanese Chins should be mindful of their small size and take precautions to prevent accidental injuries. As intelligent dogs, they can also be prone to boredom. Mental stimulation is essential to keep them engaged and prevent undesirable behaviours like excessive barking or destructive chewing.

How much does pet insurance cost for a Japanese Chin?

There are many factors that can influence the cost of pet insurance for your Japanese Chin, including the following: 

  • Age: the older your dog is, the more pet insurance is likely to cost. This is because older dogs tend to have more physical health conditions and illnesses due to age, and so present a higher insurance risk.   
  • Type of insurance you choose:  there are three basic types of pet insurance for dogs available in Australia; accident-only, accident and illness, and comprehensive insurance. An accident-only policy is the cheapest type available, with comprehensive coverage costing the most. 
  • The policy annual limit: each pet insurance policy has an annual limit, which is the maximum amount that will be paid out on the policy in one financial year. Annual limits range from around $10,000 up to $25,000 or more.  
  • Sub limits: in addition to an annual limit, there may also be sub limits that apply to the policy, for example a $300 sub limit for consultation fees, or a $5,000 limit for cruciate ligament conditions.  
  • Benefit percentage: pet insurance may not cover 100% of the cost of your vet bill. Instead, it may pay a percentage of the total bill. This can range from 50% for cheaper policies up to 90% for top-of-the-range cover. 
  • Excess amount: this is the amount you’ll need to pay out-of-pocket each time you make a claim on your policy. Some pet insurance policies do not come with an excess amount, while others do. 
  • Any add-ons you choose: it’s possible to add on more cover options to a basic policy, such as emergency boarding fees, routine care and dental care. These add-ons extend the scope of your pet insurance, but do increase the overall cost of the policy.
  • Discounts: some insurers offer discounts of between 5% and 15% if you have multiple pets insured together, if you pay your premium annually, or if you bundle your pet insurance with other forms of insurance with the same company.  

Types of pet insurance you can choose from

Why compare pet insurance with Savvy?

Common questions about Japanese Chins

Are Japanese Chins good with children?

Yes – Japanese Chins are generally well-suited for families with older, considerate children. However, due to their small size and delicate bone structure, it's crucial to supervise interactions with young children to prevent accidental rough handling. Teaching children how to properly interact with and handle the Chin can foster a positive and safe relationship.

How much exercise does a Japanese Chin need?

Japanese Chins have low exercise requirements. They enjoy short daily walks of about 20 minutes and indoor play sessions. Their playful nature means they also benefit from interactive toys and mentally stimulating activities. While they may have bursts of energy, they are not overly demanding in terms of exercise and can adapt well to varying activity levels.

Do Japanese Chins make good apartment dogs?

Yes – Japanese Chins are well-suited for apartment living. Their small size and moderate exercise needs make them adaptable to compact living spaces. They are generally quiet dogs, which is an advantage in shared living environments. Providing them with indoor playtime and regular walks will help meet their activity requirements.

What are the grooming requirements for a Japanese Chin?

Japanese Chins have a luxurious, silky coat that requires regular grooming. Daily brushing helps prevent tangles and mats. Additionally, they should have their eyes and ears cleaned regularly. Bathing should be done on an as-needed basis. Due to their flat faces, it's important to be cautious during grooming to avoid getting water in their nasal passages. Overall, their grooming routine helps maintain their elegant appearance and keeps them comfortable and healthy.

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Whether you're buying for your dog or cat and whether they're big or small, you can compare pet insurance policies tailored to your furry friend's needs from Savvy's panel of trusted Australian insurers. Grab a free, no-obligation quote today!
Japanese Chin

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