What Is the Most Expensive Breed of Dog to Insure?

When it comes to pet insurance, not all dogs are created equal. Some breeds are significantly more expensive to insure due to their size, genetic predispositions, and health risks. If you’re considering getting a dog or already own one, it’s important to understand which breeds might come with higher insurance costs. In this article, we’ll explore the most expensive dog breeds to insure, why they cost more, and what you can do to manage these expenses.

Why Are Some Dog Breeds More Expensive to Insure?

The cost of insuring a dog depends on several factors, including:

Breed-Specific Health Risks: Some breeds are prone to hereditary conditions like hip dysplasia, heart disease, or breathing problems.
Size: Larger breeds often have shorter lifespans and are more prone to joint issues and other health complications.
Lifespan: Breeds with shorter lifespans may require more frequent and costly medical care.
Popularity: Popular breeds may have higher premiums due to higher demand for insurance.

The Most Expensive Dog Breeds to Insure

Here are the top dog breeds that are the most expensive to insure, along with the reasons why:

1. Bulldog (English and French)

Average Monthly Premium: $70–$110
Why They’re Expensive: Bulldogs are brachycephalic (flat-faced), which leads to breathing difficulties, heat sensitivity, and frequent respiratory issues. They are also prone to skin infections, hip dysplasia, and require C-sections for birthing, which increases veterinary costs.

2. Great Dane

Average Monthly Premium: $80–$120
Why They’re Expensive: Great Danes are giant breeds with a short lifespan (6–8 years). They are prone to bloat (gastric torsion), heart disease, and joint issues like hip dysplasia, which require expensive treatments.

3. Rottweiler

Average Monthly Premium: $60–$100
Why They’re Expensive: Rottweilers are susceptible to hip and elbow dysplasia, cancer, and heart conditions. Their size and strength also make them more prone to accidents and injuries.

4. Bernese Mountain Dog

Average Monthly Premium: $70–$110
Why They’re Expensive: This breed has a high risk of cancer, hip dysplasia, and bloat. Their average lifespan is only 6–8 years, leading to concentrated medical expenses.

5. Mastiff (All Varieties)

Average Monthly Premium: $80–$120
Why They’re Expensive: Mastiffs are massive dogs with a short lifespan. They are prone to hip dysplasia, heart issues, and bloat, which can result in costly surgeries and treatments.

6. Cane Corso

Average Monthly Premium: $90–$130
Why They’re Expensive: This large breed is prone to joint problems, hip dysplasia, and eye conditions. Their size and genetic health risks make them one of the most expensive breeds to insure.

7. Doberman Pinscher

Average Monthly Premium: $60–$100
Why They’re Expensive: Dobermans are at high risk for heart disease, cancer, and hip dysplasia. Their active nature also makes them more prone to injuries.

8. Saint Bernard

Average Monthly Premium: $70–$110
Why They’re Expensive: Saint Bernards are giant breeds prone to hip dysplasia, heart disease, and bloat. Their size and susceptibility to joint issues drive up insurance costs.

9. German Shepherd

Average Monthly Premium: $50–$90
Why They’re Expensive: German Shepherds are prone to hip and elbow dysplasia, degenerative myelopathy, and digestive issues. Their active lifestyle also increases the risk of injuries.

10. Siberian Husky

Average Monthly Premium: $50–$80
Why They’re Expensive: Huskies are prone to eye conditions like cataracts and hip dysplasia. Their high energy levels and adventurous nature also make them more likely to get into accidents.

Why Do These Breeds Cost More to Insure?

The high cost of insuring these breeds is primarily due to:

Frequent Health Issues: Many of these breeds are prone to hereditary or breed-specific conditions that require ongoing treatment.
Size-Related Risks: Larger breeds often have shorter lifespans and are more susceptible to joint problems, heart disease, and bloat.
Higher Veterinary Costs: Surgeries, medications, and specialized care for these breeds can be significantly more expensive.

How to Reduce Insurance Costs for Expensive Breeds

If you own or plan to adopt one of these breeds, here are some tips to manage insurance costs:

Compare Providers: Shop around for pet insurance plans to find the best coverage at the most affordable rate. Popular providers include Healthy Paws, Trupanion, and Embrace Pet Insurance.
Choose a Higher Deductible: Opting for a higher deductible can lower your monthly premiums.
Wellness Plans: Some insurers offer wellness add-ons that cover routine care, which can help offset costs for breeds prone to frequent health issues.
Preventive Care: Regular vet check-ups, a healthy diet, and exercise can help prevent or manage health problems, reducing long-term costs.
Consider Alternatives: If insurance is too expensive, consider setting up a pet savings account or using a credit line like CareCredit for veterinary expenses.

Conclusion

While some dog breeds are more expensive to insure due to their size, health risks, and genetic predispositions, the peace of mind that comes with pet insurance can be invaluable. By understanding the costs and taking steps to manage them, you can ensure your furry friend gets the care they need without breaking the bank. Whether you own a Bulldog, Great Dane, or Rottweiler, investing in pet insurance can save you from unexpected financial stress and help you focus on what matters most—keeping your dog happy and healthy.

For more information on pet insurance and breed-specific care, check out these resources:

By being informed and proactive, you can make the best decision for your dog’s health and your budget.