Cavalier King Charles Spaniel vs Shih Tzu Vet Costs
Cavalier King Charles Spaniel owners spend $550-$1,400/yr at the vet. Shih Tzu: $380-$900/yr. That's a $335/yr gap in average costs. Here's where the money goes.
Cavalier King Charles Spaniel
$8,000-$20,000
lifetime vet costs (11 yrs)
high health risk
Lifetime Gap
$2,250
Shih Tzu costs less
Shih Tzu
$7,000-$16,500
lifetime vet costs (14 yrs)
moderate health risk
Vet Cost Breakdown
| Category | Cavalier King Charles Spaniel | Shih Tzu | Lower Cost |
|---|---|---|---|
| Annual Vet Cost (avg) | $975/yr | $640/yr | Shih Tzu |
| Annual Range | $550-$1,400 | $380-$900 | - |
| Preventive Care | $300/yr | $280/yr | Shih Tzu |
| Emergency Risk Budget | $600/yr | $300/yr | Shih Tzu |
| Pet Insurance | $40-$80/mo | $25-$50/mo | Shih Tzu |
| Spay/Neuter | $150-$350 | $150-$350 | Cavalier King Charles Spaniel |
| Lifetime Vet Cost | $8,000-$20,000 | $7,000-$16,500 | Shih Tzu |
Cavalier King Charles Spaniel Health Risks
high risk · small, 12-18 lbs · 11-year lifespan · 3-4 visits/year average
- Mitral valve disease (MVD) (nearly 100%) $500-$5,000
- Syringomyelia (SM) (25-70%) $500-$8,000
- Patellar luxation (10-15%) $1,500-$4,000
- Ear infections (20-30%) $100-$300
- Eye conditions (dry eye, cataracts) (10-15%) $300-$2,000
Shih Tzu Health Risks
moderate risk · small, 9-16 lbs · 14-year lifespan · 2-3 visits/year average
- Eye problems (proptosis, ulcers, dry eye) (15-25%) $300-$3,000
- Dental disease (25-35%) $400-$1,200
- Patellar luxation (10-15%) $1,500-$4,000
- Brachycephalic airway issues (10-20%) $1,000-$4,000
- Ear infections (15-20%) $100-$300
Breed-Specific Procedures
Cavalier King Charles Spaniel
- Cardiac auscultation $50-$150
- Echocardiogram $300-$600
- MRI (if SM symptoms) $1,500-$3,000
- Dental cleaning $300-$700
- Eye exam $50-$150
Shih Tzu
- Eye exam $50-$150
- Dental cleaning $350-$700
- Patellar evaluation $50-$100
- Ear cleaning/treatment $20-$80
- Wellness exam + vaccines $130-$260
Insurance: Is It Worth It?
Cavalier King Charles Spaniel
$40-$80/mo ($480-$960/yr)
high risk. Insurance is close to mandatory for this breed. One surgery can exceed years of premiums.
Shih Tzu
$25-$50/mo ($300-$600/yr)
moderate risk. Worth it if you get coverage before age 2, when premiums are lowest.
Premiums from Nationwide, ASPCA, and Embrace. Accident + illness plans, $500 deductible, 80% reimbursement.