Side by side
Both columns come from the same cost model, so every row is a like for like comparison.
| Measure | Bernese Mountain Dog | Shih Tzu |
|---|---|---|
| Lifetime cost | $42,173 | $39,131 |
| First year | $7,935 | $5,855 |
| Monthly average | $348 | $255 |
| Puppy price | $1,800 to $4,000 | $1,000 to $2,500 |
| Routine care, yearly | $3,661 | $2,731 |
| Expected health cost | $0 | $590 |
| Documented conditions | 12 | 15 |
| Median lifespan | 10.1 yrs | 12.8 yrs |
| Adult weight | 70 to 115 lb | 9 to 16 lb |
| Daily food | 4.9 cups | 1.1 cups |
| Grooming, yearly | $540 | $720 |
| Risk profile | High, mid life | Moderate |
| Biggest single risk | Skin disease | Periodontal disease |
Health risks compared
What tends to go wrong in each breed, how often, and what it costs to treat.
| Condition | Rate | Cost |
|---|---|---|
| Skin disease | 36% | $252–$679 |
| Digestive disease | 30% | $354–$954 |
| Elbow dysplasia | 27% | $3,000–$5,000 |
| Hip dysplasia | 16% | $3,500–$7,000 |
| Musculoskeletal disease | 15% | $281–$756 |
| Degenerative myelopathy | 11% | not priced |
| Ear infection | 10% | $100–$270 |
| Periodontal disease | 9% | $246–$663 |
| Anal sac impaction | 7% | $84–$226 |
| Autoimmune thyroiditis | 2% | $169–$455 |
| Patellar luxation | 0% | $1,000–$5,000 |
| Congenital heart disease | 0% | $534–$1,438 |
| Cancer | n/a | $3,415–$9,194 |
| Hip and elbow dysplasia | n/a | $2,291–$6,169 |
| Bloat | n/a | $3,709–$9,986 |
| Expected total | $0 | |
| Condition | Rate | Cost |
|---|---|---|
| Periodontal disease | 10% | $246–$663 |
| Anal sac impaction | 7% | $84–$226 |
| Skin disease | 36% | $252–$679 |
| Digestive disease | 30% | $354–$954 |
| Hip dysplasia | 22% | $1,200–$3,500 |
| Musculoskeletal disease | 15% | $281–$756 |
| Umbilical hernia | 12% | $621–$1,671 |
| Elbow dysplasia | 11% | $3,000–$5,000 |
| Ear disease | 6% | $100–$270 |
| Skin (cutaneous) cyst | 5% | not priced |
| Anal gland/sac impaction/blockage | 3% | $84–$226 |
| Hypersensitivity (allergic) skin disorder | 3% | $629–$1,694 |
| Lipoma | 2% | not priced |
| Patellar luxation | 2% | $1,000–$5,000 |
| Chronic Itching | 2% | $629–$1,694 |
| Unspecified Eye | 2% | $224–$604 |
| Intervertebral disc disorder | 2% | $3,776–$10,168 |
| Expected total | $590 | |
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Both breeds carry surgical risk, and premiums are priced by breed
Expected vet costs are $0 for the Bernese Mountain Dog and $590 for the Shih Tzu. Every policy excludes anything already diagnosed, so this is worth sorting out before you pick either dog.
Placement reserved — insurance-primary
Common questions
Is a Bernese Mountain Dog or a Shih Tzu more expensive?
The Shih Tzu is cheaper by about $3,043 over a lifetime. Bernese Mountain Dog: $42,173. Shih Tzu: $39,131. The gap comes mostly from health costs rather than routine care.
Which lives longer, a Bernese Mountain Dog or a Shih Tzu?
The Shih Tzu has the longer typical lifespan. Bernese Mountain Dog: 10.1 years. Shih Tzu: 12.8 years.
Which is healthier, a Bernese Mountain Dog or a Shih Tzu?
Both figures below are what it costs to own the dog, not what it costs if something goes wrong. The Bernese Mountain Dog's biggest single risk is skin disease, seen in 36% of the breed. For the Shih Tzu it is periodontal disease, at 10%.
How we calculated this
Both breeds run through one model, so the comparison is like for like. Full method.