Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

How much does pet insurance cost for different dog breeds?

Track down what premiums to expect for 50+ canine breeds

Posted

Fact checked

You can trace your dog’s spunk or laidback nature to their pedigree, but your furry friend’s breed also affects how much you pay for pet insurance. That’s because each dog breed has different health issues, sizes and lifespans that play into the pup’s risks and needs for vet care.

To help you find what premium to expect for your dog, we dove into the quoting process to get rates for the 50 most popular 50 dog breeds. If you have a mixed breed pup, average the rates for dogs of that breed, or dogs of a similiar look and weight if you’re not sure what breed your dog is. For example, a Westie-Yorkie mix might see rates around $32 a month.

Compare pet insurance costs by dog breed

Breed Suggested coverage Monthly pet insurance cost Lifespan Size Energy level Health risks Common health problems
Affenpinscher Illness $31 12-14 years 7-10 lbs Medium Medium
  • Patellar luxation
  • Heart anomalies
  • Vision problems
  • Hip dysplasia
  • Breathing problems
Afghan Hound Illness Wellness $45 12-14 years 50-75 lbs Medium Low
  • Eye degeneration
  • Hip pain
  • Bloat
  • Thyroid regulation
Airedale Terrier Accident Wellness $50 10-12 years 50-70 lbs High Low
  • Deteriorating eyesight
  • Painful hips
  • Heart disease
Akita Inu Illness Wellness $52 10-15 years 75-100 lbs Medium Low
  • Kidney problems
  • Obesity
  • Eye degeneration
  • Bloat
  • Thyroid
Alaskan Malamute Accident Illness Wellness $42 10-12 years 80 lbs High Low
  • Hereditary issues
American Bulldog Accident Wellness $55 10-15 years 65-105 lbs High Low
  • Hypothyroidism
  • Cataracts
  • Joint issues
  • Hip and elbow dysplasia
  • Overweigh
American Coonhound Illness Wellness $45 11-12 years 40-75 lbs Medium Low
  • Elbow dysplasia
  • Cataracts
  • Progressive retinal atrophy
  • Ear infections
  • Bloat
American Eskimo Dog Accident Wellness $34 13-15 years 25-30 lbs High Low
  • Eye and hip problems
American Foxhound Accident Illness $48 10-12 years 62-67 lbs High Medium
  • Hip dysplasia
  • Thrombocytopathy
  • Ear infections
American Staffordshire Terrier Accident Illness Wellness $50 12-16 years 47-62 lbs High Medium
  • Hip or knee pain
  • Eye problems
  • Allergies and heart problems
Beagle Illness $43 12-15 years 20-30 lbs Medium High
  • Epilepsy
  • Dwarfism
  • Ear infections
  • Allergies
  • Eye infections
Bichon Frise Accident Illness $32 12-15 years 7-12 lbs High Medium
  • Allergies
  • Bladder infections
  • Patellar luxation
  • Cataracts
  • Eye problems
  • Ear infections
  • Oral problems
Border Collie Accident Illness $40 10-17 years 30-55 lbs High Medium
  • Hip dysplasia
  • Progressive retinal atrophy
  • Deafness
  • Epilepsy
  • Collie eye anomaly
  • Neuronal ceroid lipofuscinosis
  • Trapped neutrophil syndrome
  • Ear infections
Border Terrier Wellness $43 12-15 years 12-14 lbs low Low
  • Eye and hip problems
  • Heart problems
  • Allergies
Boxer Accident Illness $56 10-12 years 60-75 lbs High Medium
  • Breathing problems
  • Bloat
Bulldog Illness Wellness $64 8-10 years 50-52 lbs Low High
  • Major respiratory problems
  • Overheating
  • Severe Skin Allergies
  • Eczema, Dry Skin and Acne
  • Degenerative Spine Disease
  • Cherry Eye
  • Hip Dysplasia
  • Joint & Ligament Injuries
Cavalier King Charles Spaniel Illness $36 9-14 years 13-18 lbs Medium High
  • Heart disease
  • Neurological disorders
  • Ear infections
  • Allergies
Chihuahua Illness Wellness $23 12-20 years 6 lbs Medium Medium
  • Loose kneecaps
  • Heart issues
  • Eye issues
  • Epilepsy
  • Obesity
Chow Chow Wellness $50 9-15 years 45-70 lbs Medium Low
  • Slightly stilted gait
  • Allergies
Cockapoo Accident Illness Wellness $23 13 years 20-24 lbs High Medium
  • Patella Luxation
  • Skin allergies
  • Ear infections
  • Cataracts
  • Epilepsy
Cocker Spaniel Accident Wellness $34 12-15 years 29-32 lbs High Low
  • Cocker rage syndrome
Corgi Wellness $43 12-15 years 9-12 lbs low Low
  • Hip Dysplasia
  • Eye Conditions
  • Von Willebrand Disease
  • Degenerative Myelopathy
  • Intervertebral Disc Disease
  • Epilepsy
  • Obesity
  • Cutaneous Asthenia
Dachshund Illness $36 12-16 years 16-32 lbs low Medium
  • Back issues
  • Musculoskeletal issues
French Bulldog Illness Wellness $65 10-14 years 20-28 lbs low High
  • Breathing issues
  • Cherry eye
  • Cataracts
  • Allergies
  • Eye issues
  • Hip, knee, and heart issues
German Shepherd Accident Illness Wellness $43 9-13 years 57-80 lbs High High
  • Joint problems
  • Degenerative myelopathy
  • Elbow and hip dysplasia
Golden Retriever Illness $44 10-12 years 60-70 lbs Medium High
  • Cancer
  • Elbow dysplasia
  • Heart issues
  • Eye issues
Great Dane Illness Wellness $80 9 years 145 lbs Low High
  • Bloat
  • Enlarged heart
  • Hip dysplasia
  • Bone diseases or cancer
  • Skin conditions, allergies and rashes
Greyhound Accident Illness $49 10-14 years 63-67 lbs High High
  • Eye and heart problems
  • Greyhound Neuropathy
  • Bloat
  • Stomach disorder
Hungarian Vizsla Accident Illness Wellness $38 12-15 years 42-62 lbs High High
  • Joint pain and eye problems
  • Epilepsy
  • Heart disease
  • Cancer
Jack Russell Accident Illness Wellness $27 13-15 years 12-20 lbs High High
  • Cataracts or dislocated lens
  • Epilepsy
  • Dislocated vertebrae
  • Patellar luxation (trick knee)
Labradoodle Accident Illness $35 12-15 years 50-65 lbs High Medium
  • Ear Infections
  • Hip and Elbow Dysplasia
  • Epilepsy
  • Allergies
  • Addison Disease
Labrador Accident Wellness $45 10-14 years 60-75 lbs High Low
  • Elbow and hip dysplasia
  • Retinal atrophy
  • Heart problems
  • EIC(exercise induced collapse)
  • Bone and joint pain
Miniature Schnauzer Illness $34 12-15 years 11-16 lbs Medium Medium
  • Problems with their digestive tract
  • Problems with their pancreas, liver, and kidneys
  • Kidney stones
  • Tumors
  • Allergies
  • Cataracts
Newfoundland Illness $75 8-10 years 60-72 lbs low Medium
  • Orthopedic problems
  • Cardiac disease
  • Cystinuria
  • Ear infections
  • Bloat
Pomeranian Illness Wellness $28 12-16 years 3-7 lbs Medium High
  • Eye, knee, and heart issues
  • Hypothyroidism
  • Collapsing tracheas
Pug Illness Wellness $37 12-15 years 14-18 lbs low High
  • Eye problems
  • Ulcers
  • Breathing problems
  • Joint problems
  • Overweight
Rottweiler Illness $80 8-10 years 87-115 lbs Medium High
  • Orthopedic diseases
  • Arthritis
  • Hip dysplasia
  • Eye problems
  • Cataracts
  • Heart problems
  • Cancer
  • Allergies
Shih Tzu Illness Wellness $27 10-16 years 11-17 lbs low High
  • Slipping kneecaps
  • Hip dysplasia
St Bernard Illness $75 8-10 years 140-260 lbs Medium High
  • Hip dysplasia
  • Elbow dysplasia
  • Gastric torsion
  • Osteosarcoma
  • Distichiasis
  • Entropion
  • Ectropion
Staffordshire Bull Terrier Accident Wellness $43 12-14 years 26-36 lbs High Low
  • Hip or knee pain
  • Eye problems
West Highland White Terrier Wellness $37 12-16 years 15-20 lbs Medium Low
  • Joint pain
  • Heart disease
Whippet Wellness $36 12-15 years 25-40 lbs Medium Low
  • Eye diseases
  • Willebrand’s disease
Yorkshire Terrier Illness $27 13-16 years 7 lbs Medium Medium
  • Luxating patella
  • Eye issues

Which dog breeds are the most expensive to insure?

Pedigree dogs are more expensive to insure than mixed breeds because these pure dogs adopt all the health issues common to their breed. Also, large breeds see more joint issues due to their large size, cost more for vet care and can live shorter lives. You can expect dogs with these characteristics to cost more in pet insurance premiums.

For example, these five dogs saw the highest premiums of the 50 breeds we compared:

  • Great Dane. This giant of a dog comes with common illnesses and joint issues due to their pedigree and sheer size. Big dog breeds also cost more for vet care in general.
  • Rottweiler. Again, this pup’s large size accounts for their tendency to get a variety of joint issues. Rotties also have more energy than some large breeds, especially at a young age.
  • Newfoundland. This traditional working dog carries the risk for heart and joint problems in its bloodline.
  • St. Bernard. This hefty dog breed packs the pounds, making Bernies a costly breed for any vet to treat. Its huge size leads to joint problems, and this breed also sees eye and bloating problems especially as they age.
  • French Bulldog. A Frenchie sees a range of health issues and suffers from a lacking ability to regulate their own body heat. At older ages, you can expect to see hereditary health issues pop up, making this breed one of the more expensive breeds to insure.

What factors affect my pet insurance premiums?

Your pup’s premiums reflect their risk levels for health problems or accidents. The main factors that pet insurance companies consider include:

  • Age. Pet insurance premiums go up as your dog ages, especially for illness coverage. The older your trusted companion gets, the more your dog risks getting health issues. Veterinary care also may cost more as you and your pup face more expensive procedures.
  • Breed. Different breeds have different risk levels, based on their size, hereditary conditions and energy levels. Large dogs may get more ligament injuries than small dogs, while some breeds tend to get medication allergies and need special medication if they undergo surgery.
  • Gender. Different genders of the same dog breed also face different health risks, especially fertility or hormone-related health problems.
  • Whether your dog is spayed or neutered. Spaying or neutering lowers your premiums because the procedure lowers your canine’s risk for cancer or aggression toward other dogs.
  • Your address. Your area can affect whether your dog might experience injuries from cars or other animals. Location also affects the typical vet fees you might see. Unlike healthcare for people, there’s little regulation around vet service charges, so you might find huge vet cost differences in different places.

Are you paying too much for pet insurance?

If you’re paying more than your breed’s listed price, you could be paying more than needed if you chose a standard amount of coverage. Standard coverage includes $250 or $500 deductible, 80% to 90% reimbursement and around $10,000 for your annual limit. Then, make sure you get quotes from several insurance companies to see typical premiums for your dog.

However, other factors may play into a higher premium from one company, such as choosing the highest amount of coverage available or adding wellness coverage. Also, some companies provide free perks like lost pet rewards or trip cancellation if you cancel your travel plans to take care of an emergency. Consider the value for these benefits when making your decision.

How to lower pet insurance premiums

You can customize nearly any company’s policy to fit your budget or shop around if you want cheaper pet insurance premiums. Four ways to snag a lower price:

  • Lower your policy limits. You can select different policy limits. These limits are the most your pet insurance will pay out in a 12 month period, so they can affect your costs significantly. This page shows the average cost of pet insurance for comprehensive policies with the highest available limits.
  • Raise your deductible. By choosing a higher pet insurance deductible, you’ll pay more upfront before your policy kicks in. Since you’re taking on more responsibility, most insurance companies reward you with a lower premium.
  • Pick a different type of policy. Accident-only policies come in at the cheapest price for dog insurance, while cover for accident and illness policies cost the most across all policy types.
  • Shop around. These are the average premiums from six different insurers, which means that at least one of them is offering cheaper prices than these. However, different insurers might assess dogs differently based on their breed and age, so the cheapest option for one person is not necessarily the cheapest for another. It can be worth shopping around to find better value for money dog insurance.

Compare pet insurance for any dog

Name Product Pets covered Seniors accepted Hereditary conditions Chronic illness
Petplan
Dogs, Cats
Cover unexpected vet bills from emergency exams, injuries, surgery and more.
Embrace
Dogs, Cats
Enjoy extra benefits with coverage for exam fees, curable conditions and wellness visit reimbursement.
Pet Assure
Dogs, Cats, Horses
Save up to 25% on all vet bills including wellness and dental visits for as little as $10/month.
Pets Best
Dogs, Cats
PetFirst
Dogs, Cats
Get coverage starting at $9 per month for cats and $15 for dogs. Talk to an agent at 888-738-0683.
loading

Compare up to 4 providers

Bottom line

Your dog’s breed can influence your pet insurance premiums as well as the type of policy and coverage that you choose. While you can’t control this factor when buying a policy, you can shop around with multiple pet insurance companies to make sure you’re getting the best deal for your pup and your wallet.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site