Side by side
Both columns come from the same cost model, so every row is a like for like comparison.
| Measure | Cocker Spaniel | Shih Tzu |
|---|---|---|
| Lifetime cost | $35,799 | $39,131 |
| First year | $5,495 | $5,855 |
| Monthly average | $224 | $255 |
| Puppy price | $1,000 to $2,500 | $1,000 to $2,500 |
| Routine care, yearly | $2,371 | $2,731 |
| Expected health cost | $0 | $590 |
| Documented conditions | 16 | 15 |
| Median lifespan | 13.3 yrs | 12.8 yrs |
| Adult weight | 20 to 30 lb | 9 to 16 lb |
| Daily food | 1.8 cups | 1.1 cups |
| Grooming, yearly | $225 | $720 |
| Risk profile | Moderate | 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 |
| Musculoskeletal disease | 15% | $281–$756 |
| Ear infection | 10% | $100–$270 |
| Periodontal disease | 9% | $246–$663 |
| Autoimmune thyroiditis | 7% | $169–$455 |
| Anal sac impaction | 7% | $84–$226 |
| Hip dysplasia | 7% | $1,200–$3,500 |
| Patellar luxation | 6% | $1,000–$5,000 |
| Lipoma | 5% | not priced |
| Skin (cutaneous) cyst | 3% | not priced |
| Otitis media | 1% | $100–$270 |
| Elbow dysplasia | 1% | $3,000–$5,000 |
| Hypersensitivity (allergic) skin disorder | 1% | $629–$1,694 |
| Keratoconjunctivitis sicca (KCS Dry Eye) | 1% | $224–$604 |
| Pancreatitis | 1% | $254–$682 |
| Otitis externa | 1% | $100–$270 |
| Skin lump | 1% | not priced |
| 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 Cocker Spaniel 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 Cocker Spaniel or a Shih Tzu more expensive?
The Cocker Spaniel is cheaper by about $3,332 over a lifetime. Cocker Spaniel: $35,799. Shih Tzu: $39,131. The gap comes mostly from health costs rather than routine care.
Which lives longer, a Cocker Spaniel or a Shih Tzu?
The Cocker Spaniel has the longer typical lifespan. Cocker Spaniel: 13.3 years. Shih Tzu: 12.8 years.
Which is healthier, a Cocker Spaniel or a Shih Tzu?
Both figures below are what it costs to own the dog, not what it costs if something goes wrong. The Cocker Spaniel'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.