5 of the Most Expensive Dog Breeds to Insure


As the average cost to the vet increases, the average cost for pet insurance follows accordingly.  This is particularly true for dogs which have a tendency to be injured at a much higher rate than cats or other domestic pets.

However, pet insurance policies were not created equal…Premiums for pet insurance will vary based on the dog breed you have.  If you’re looking to insure your dog, owning the following breeds can cost more than some others.  Here are the top five dog breeds that will likely have higher insurance premiums according to a poll in Value Penguin.

5. Irish Wolfhound
Irish Wolfhounds can cost up to 41% more to insure than the average dog.  An original status symbol, Irish wolfhounds were traditionally owned by nobility and chieftains in Ireland. However, large joints and frequent gastric disorders mean Irish wolfhounds will likely need to see a vet more frequently, use more medication, and in turn, cost a bit more for pet insurance.

4. Caucasian Ovcharka
The Caucasian Ovcharka weighs between 99 and 200 pounds!  This breed was originally raised to be bear hunters in the European Caucasus region hence; where their names originated.  Some health conditions can be a concern like hip dysplasia and cataracts.  Be cautious about whom you buy from as you want to be sure you are purchasing from a healthy pool.  Pet insurance premiums can run up to 47% higher than other breeds!

3. Bernese Mountain Dog
Originating from Switzerland, the Bernese mountain dog has heightened tolerance to the cold. Unfortunately, this doesn’t stop it from being roughly 58% more expensive to insure than an average pup.  The Bernese Mountain Dog is occasionally prone to health problems like von Willebrand’s Disease (vWD), hypomyelination, allergies, hypothyroidism, hepatocerebellar degeneration and progressive retinal atrophy (PRA).

2. English Bulldog
While English bulldogs no longer carry the stigma of violence, they do tend to have more health problems.  The main problems that arise with the breed of the English bulldog is heat sensitivity, fold dermatitis, elbow and hip dysplasia, and breathing issues due to narrow nasal passages.  Insuring an English bulldog can cost the owner about 60% more than veterinary insurance for other dogs.

1. Great Dane
The dog most lauded for its size, the 100- to 120-pound Great Dane can cost a whopping 63% more to insure than the average dog.  Health issues for Great Danes include: osteosarcoma, Wobbler’s Disease, heart issues, autoimmune issues, cherry eye and swollen joints. In addition, cataracts, hip dysplasia, and hypothyroidism are other common Great Dane ailments.  Insurance for the Great Dane can be invariably expensive.

Although these policies can be expensive, the frequent injuries and health complaints that these dog breeds encounter can be worth obtaining pet insurance.  Premiums for these particular breeds may be higher, but it the policy itself is likely more necessary than others.  If you are interested in getting a quote, please feel free to contact us: 800-660-6934.  Depending on what dog breed you own, you may be surprised on just how affordable pet insurance is!

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