On paper the two are close: $100–$200 a month for the Cavalier against $110–$240 for the Akita, and $1,500–$3,000 against $1,700–$3,200 in the first year.
The composition is different. The Akita's monthly figure is mostly food and weight-dosed products, with veterinary spend that is episodic — autoimmune disease, thyroid management, or a bloat emergency, none of which are certainties.
The Cavalier's figure is small on food and heavier on medicine, and the trajectory rises with age in a way the Akita's does not. Once cardiac medication starts, it does not stop, and echocardiograms are not cheap. Insurers know this: Cavaliers are frequently quoted above what their size suggests, and heart conditions are the most common breed-related exclusion applied to them.
Buying insurance before the first murmur is heard is the whole game with this breed. A Cavalier insured from eight weeks is a very different financial proposition from one insured at five years with a note on its record.
Lifespan runs 12 to 15 years against the Akita's 10 to 13.