The Most Expensive Dog Breeds to Insure

For many pet owners, having Pet Insurance is a necessity for their furry friend. If they come down with anything, it is great to know that they can head over to the doctor and know that they are covered. But depending on many different factors, the cost to insure them will vary immensely. Here is a list of some of the most expensive dog breeds to insure.

Pet Insurance and Breeds

Insurance Overview

Similar to other types of insurance, pet insurance has many different factors that play into how much the monthly insurance will come it.

Type of Insurance

There are different types of insurance you can get for your pet. Most companies give the offer of insuring your pet per condition with a time limit, per condition, or life time. Some companies might offer other options as well.


The older the dog, the higher the premium. Because of their age, they are more likely to need medical coverage, therefore it can be extremely difficult to find a company that will take on a dog that is older.


The more


If you live in an expensive area where the vets might charge a bit more, you can expect the insurance prices to be higher as well.


Common insurance policy exclusions: vaccinations, spaying, pre-exisiting injuries (hard to switch policies), pregnancies,Waiting period-medical exclusion period: start of the policy 10-30 days

If pet is already neutered and micro-chipped- insurance may be lower

Common insurers

Petplan, John Lewis, Tesco, and Sainsbury are common insurers that can help get you started in comparing different prices.

The Most Expensive Dog Breeds to Insure

The largest factor in how much the owner will pay for the dogs insurance is the breed of the dog. If their breed is known to have certain medical conditions, the insurance will be higher.

Many of the large breeds tend to suffer from hip dysplaisa due to the extra weight they are carrying and the stress that it puts on their joints. This is true for breeds such as Rottweilers. They also commonly suffer from ACL damage which also has the chance of being reinjured later in life.

Another common problem for larger dogs is Gastric dilation volvulus (GDV) also known as bloat. Newfoundlands, Irish Wolfhounds, and Bernese Mountain Dog, are a few of the dogs susceptible to this. Check out a more comprehensive list here:


Because of their size, these larger dogs will also need a larger dosage of medicine which adds to the insurance cost.

English bulldogs are a smaller breed but are extremely expensive to insure due to their susceptibility to hip dysplasia and Pateller Luxation which is when the patella, or the kneecap, becomes dislocated. This is common in many of the smaller and miniture breeds.


These are some of the most expensive dog breeds to insure. Remember that the cost depends a lot on what you want in your policy. Spend time researching different companies that are available, what policies they offer, and which one seems right for you and yoru pet. It is recommended that you consult with your local veternarian in regards to what policy is the right one for your pet.

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