A dog’s breed can greatly affect the price you’ll pay for pet insurance. Other price factors are the pet’s age, your coverage choices and your location (because veterinarian costs vary by region).
Exactly which dog breeds are most and least expensive to insure? Popular breeds like Mastiffs and Saint Bernards make the list. We analyzed filings made by pet insurance companies to state departments of insurance to find their breed pricing groups.
20 Most Expensive Dog Breeds for Pet Insurance
Pet insurance companies commonly use dog breed as a factor when setting insurance rates. Here are the 20 dog breeds that are often the most expensive to insure:
- American Bandogge Mastiff
- American Mastiff
- Bantam Bulldog
- Belgian Mastiff
- Boerboel
- Bullmastiff
- Cane Corso
- Dogue de Bordeaux
- Fila Brasileiro/Brazilian Mastiff
- French Bulldog
- Mastiff
- Neapolitan Mastiff
- Nebolish Mastiff
- Newfoundland
- Pyrenean Mastiff
- Rottweiler
- Saint Bernard
- South Russian Ovcharka
- Spanish Mastiff
- Tibetan Mastiff
Examples of Pet Insurance Cost Differences Among Dogs
The average cost of pet insurance will vary by dog breed. Larger dogs, for example, tend to cost more to insure.
| Breed | Average monthly cost for $5,000 annual coverage, $250 deductible and 80% reimbursement | Average monthly cost for unlimited annual coverage, $500 deductible and 90% reimbursement |
|---|---|---|
|
Chihuahua
|
$30
|
$38
|
|
French Bulldog
|
$76
|
$101
|
|
German Shepherd
|
$52
|
$68
|
|
Golden Retriever
|
$56
|
$69
|
|
Goldendoodle
|
$40
|
$49
|
|
Mixed breed (large)
|
$46
|
$60
|
|
Mixed breed (medium)
|
$39
|
$50
|
|
Mixed breed (small)
|
$33
|
$41
|
|
Shih Tzu
|
$33
|
$41
|
|
Yorkshire Terrier
|
$35
|
$44
|
Source: Forbes Advisor analysis of pet insurance costs based on data from PetInsurer.com.
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Other Common Costs of Dog Ownership
In addition to pet insurance, factor these common costs into your budget.
- Veterinary care not covered by pet insurance (such as routine wellness care, unless you have a wellness plan with your pet insurance)
- Food and treats
- Leashes and collars
- Grooming
- Toys
- Boarding
- Dog walking service
- Training
- Crates and dog beds
Boarding, dog sitters and dog walkers may interest you if you’re going on vacation or away from home during the day. Training may be a good idea, but some dogs are already trained when you adopt them.
Is Your Dog’s Breed Expensive to Insure?
Find your dog’s breed below to see if it’s relatively cheap or pricey for pet insurance.
Find Your Dog’s Breed
A
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Affenpinscher
| Low
|
Afghan Hound
| Medium
|
Aidi
| Medium high
|
Airedale Terrier
| Medium high
|
Akbash Dog
| High
|
Akita
| High
|
Alaskan Klee Kai
| Low
|
Alaskan Malamute
| Medium
|
Alpine Dachsbracke
| Medium
|
American Bandogge Mastiff
| Very high
|
American Black and Tan Coonhound
| Medium
|
American Blue Gascon Hound
| Medium low
|
American Bulldog
| High
|
American Bully
| High
|
American English Coonhound
| Medium
|
American Eskimo
| Medium
|
American Foxhound
| Medium
|
American Hairless Terrier
| Low
|
American Mastiff
| Very high
|
American Pitbull Terrier
| Medium high
|
American Staffordshire Bull Terrier
| Medium
|
American Staffordshire Terrier
| Medium
|
American Water Spaniel
| Medium
|
Anatolian Shepherd
| High
|
Anglo Francais
| Medium
|
Appenzeller Sennenhunde
| Medium
|
Argentine Dogo
| Medium high
|
Ariegeois
| Medium high
|
Aussalier
| Low
|
Aussiedoodle
| Low
|
Australian Cattle Dog
| Medium
|
Australian Kelpie
| Medium
|
Australian Labradoodle
| Low
|
Australian Shepherd
| Medium
|
Australian Silky Terrier
| Medium
|
Australian Stumpy Tail Cattle
| Medium
|
Australian Terrier
| Very low
|
Austrian Grand Brackes
| Medium
|
Azawakh Hound
| Medium
|
B
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Balkanski Gonic
| Medium
|
Bantam Bulldog
| High
|
Barbet
| Low
|
Basenji
| Medium low
|
Basset Fauve de Bretagne
| Medium
|
Basset Hound
| Medium high
|
Bassetoodle
| Very low
|
Bavarian Mountain Hound
| Medium low
|
Beagle
| Medium
|
Bearded Collie
| Medium
|
Beauceron
| Medium
|
Bedlington Terrier
| Medium
|
Belgian Mastiff
| Very high
|
Belgian Sheepdog
| Medium
|
Bergamasco Sheepdog
| Medium
|
Berger Blanc Suisse
| Medium high
|
Berger Picard/Picardy Sheepdog
| Medium
|
Bernedoodle
| Low
|
Bernese Mountain Dog
| High
|
Bichon Frise
| Low
|
Biewer
| Very low
|
Black and Tan Coonhound
| Medium
|
Black Russian Terrier
| High
|
Blackmouth Cur
| Medium
|
Bloodhound
| Medium high
|
Blue Picardy Spaniel
| Medium low
|
Blue Tick Coonhound
| Medium
|
Boerboel
| Very high
|
Bolognese
| Low
|
Border Collie
| Medium
|
Border Terrier
| Low
|
Bordoodle
| Low
|
Borzoi/Russian Wolfhound
| Medium high
|
Boston Terrier
| Low
|
Bouvier des Flandres
| Medium high
|
Boxer
| High
|
Boykin Spaniel
| Medium
|
Bracco Italiano
| Medium
|
Braque d’Auvergne
| Medium low
|
Briard
| Medium
|
Brittany
| Medium
|
Broholmer
| High
|
Brussels Griffon
| Low
|
Bull Boxer
| High
|
Bull Terrier
| Medium high
|
Bullmastiff
| Very high
|
C
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Cairn Terrier
| Low
|
Canaan Dog
| Medium
|
Canadian Eskimo/Inuit
| Medium low
|
Cane Corso
| High
|
Cardigan Welsh Corgi
| Medium
|
Catahoula Leopard Dog
| Medium
|
Caucasian Ovcharka
| High
|
Cavalier King Charles Spaniel
| Medium
|
Cavapoo
| Very low
|
Central Asian Shepherd
| High
|
Cesky Terrier
| Medium
|
Chesapeake Bay Retriever
| High
|
Chihuahua
| Very low
|
Chinese Crested
| Low
|
Chinese Foo Dog
| Medium
|
Chinook
| Medium
|
Chipom
| Low
|
Chipoo
| Low
|
Chiweenie
| Very low
|
Chow Chow
| Medium
|
Cirneco dell Etna
| Medium
|
Clumber Spaniel
| Medium high
|
Cobber Dog
| Low
|
Cockapoo
| Low
|
Cocker Spaniel
| Medium
|
Collie
| Medium
|
Coonhound
| Medium
|
Coton de Tulear
| Low
|
Curly-Coated Retriever
| Medium
|
Czechoslovakian Wolfdog
| Medium
|
D
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Dachshund
| Medium
|
Dalmatian
| Medium high
|
Dandie Dinmont Terrier
| Medium
|
Danish Swedish Farmdog
| Very low
|
Deerhound
| Medium low
|
Dingo/Carolina
| Medium
|
Doberman Pinscher
| High
|
Dogue de Bordeaux
| High
|
Double Doodle
| Low
|
Doxiepoo
| Very low
|
Drever
| Medium low
|
Dunker/Norwegian Hound
| Medium low
|
Dutch Sheepdog
| Medium
|
Dutch Shepherd
| Medium
|
E
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
English Bulldog
| High
|
English Cocker Spaniel
| Medium
|
English Cream Retriever
| Medium
|
English Foxhound
| Medium low
|
English Setter
| Medium
|
English Shepherd
| Medium
|
English Springer Spaniel
| Medium
|
English Toy Spaniel
| Low
|
English Toy Terrier
| Medium low
|
Entlebucher Mountain Dog
| Medium
|
Estrela Mountain Dog
| Medium
|
Eurasian/Eurasier
| Medium
|
F
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Feist
| Medium
|
Field Spaniel
| Medium
|
Fila Brasileiro/Brazillian Mastiff
| Very high
|
Finnish Hound
| Medium high
|
Finnish Lapphund
| Medium
|
Finnish Spitz
| Medium
|
Flat-Coated Retriever
| Medium
|
Formosan (Taiwanese) Mountain Dog
| Low
|
Fox Terrier
| Medium
|
French Bulldog
| High
|
French Spaniel
| Low
|
Frenchton
| Low
|
G
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Ganaraskan
| Medium
|
Gascogne Braque Francais
| Medium low
|
German Pinscher
| Medium
|
German Pointer
| Medium
|
German Shepherd
| Medium high
|
German Spitz
| Medium low
|
German/Mittel Spitz
| Medium low
|
Giant Schnauzer
| Medium
|
Glen of Imaal Terrier
| Medium
|
Golden Retriever
| Medium
|
Goldendoodle
| Low
|
Gordon Setter
| Medium
|
Grand Basset Griffon Vendéen
| Medium low
|
Grand Bleu De Gascoigne
| Medium low
|
Great Dane
| High
|
Great Pyrenees
| Medium high
|
Greater Swiss Mountain Dog
| High
|
Greenland Dog
| Medium low
|
Greyhound
| Medium
|
Groenendael Belgian Shepherd
| Medium
|
H
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Hamiltonstovare
| Medium low
|
Harrier
| Medium
|
Havana Silk
| Very low
|
Havanese
| Very low
|
Hovawart
| Medium
|
I
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Ibizan Hound
| Medium
|
Icelandic sheepdog
| Medium
|
Irish Setter
| Medium
|
Irish Terrier
| Medium
|
Irish Water Spaniel
| Medium
|
Irish Wolfhound
| High
|
Irishdoodle
| Low
|
Italian Bulldogge
| Medium high
|
Italian Greyhound
| Medium
|
J
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Jack Russell Terrier
| Low
|
Japanese Chin
| Low
|
Japanese Spitz
| Medium low
|
Japanese Terrier
| Medium low
|
K
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Kai Ken
| Medium
|
Karelian Bear Dog
| Medium high
|
Keeshond
| Medium
|
Kerry Beagle
| Medium high
|
Kerry Blue Terrier
| Medium
|
King Shepherd
| Low
|
Kishu Ken
| Medium
|
Komondor
| Medium
|
Kooikerhondje
| Medium
|
Korean Jindo
| Medium
|
Kuvasz
| High
|
L
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Labradoodle
| Low
|
Labrador Retriever
| Medium high
|
Laekenois Belgian Shepherd
| Medium
|
Lagotto Romagnolo
| Medium
|
Lakeland Terrier
| Medium
|
Lancashire Heeler
| Medium
|
Landseer
| Medium
|
Large Munsterlander
| Medium low
|
Leonberger
| High
|
Lhasa Apso
| Medium
|
Lowchen
| Low
|
M
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Malinois Belgian Shepherd
| Medium high
|
Maltese
| Low
|
Maltipoo
| Very low
|
Manchester Terrier
| Medium
|
Maremma
| Medium high
|
Mastiff
| Very high
|
Mexican Hairless
| Medium
|
Mi-Ki
| Medium
|
Miniature Australian Shepherd
| Low
|
Miniature Bull Terrier
| Medium
|
Miniature Dachshund
| Low
|
Miniature Goldendoodle
| Very low
|
Miniature Labradoodle
| Very low
|
Miniature Pinscher
| Medium
|
Miniature Poodle
| Low
|
Miniature Schnauzer
| Low
|
Mixed breed Giant (more than 90 lbs when full grown)
| Low
|
Mixed breed Large (55 to 90 lbs when full grown)
| Low
|
Mixed breed Medium (20 to 55 lbs when full grown)
| Low
|
Mixed breed Small (up to 20 lbs when full grown)
| Very low
|
Morkie
| Very low
|
Mountain Cur
| Medium
|
Mountain Terrier
| Medium low
|
Mudi
| Medium
|
N
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Native American Indian
| Medium
|
Neapolitan Mastiff
| Very high
|
Nebolish Mastiff
| Very high
|
New Zealand Huntaway
| Medium low
|
Newfoundland
| High
|
Norfolk Terrier
| Medium low
|
Norrbottenspets
| Low
|
North American Retriever
| Low
|
Northern Inuit
| Low
|
Norwegian Buhund
| Medium
|
Norwegian Elkhound
| Medium
|
Norwegian/Norsk Lundehund
| Medium
|
Norwich Terrier
| Low
|
Nova Scotia Duck Tolling Retriever
| Medium
|
O
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Old Boston Bulldogge
| Medium low
|
Old English Sheepdog
| Medium
|
Old Victorian Bulldogge
| Low
|
Olde English Bulldog
| Medium high
|
Otterhound
| Medium
|
P
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Papillon
| Very low
|
Parson Russell Terrier
| Medium
|
Patterdale/Fell Terrier
| Low
|
Peekapoo
| Very low
|
Pekingese
| Very low
|
Pembroke Welsh Corgi
| Medium
|
Perro de Presa Canario
| Medium high
|
Peruvian Inca Orchid
| Medium
|
Petit Basset Griffon Vendeen
| Medium
|
Pharaoh Hound
| Medium
|
Picardy Spaniel
| Medium low
|
Plott
| Medium
|
Pointer
| Medium
|
Polish Lowland Sheepdog
| Medium high
|
Polish Tatra Sheepdog
| High
|
Pomapoo
| Low
|
Pomeranian
| Low
|
Pomsky
| Very low
|
Poochon
| Very low
|
Poodle
| Medium
|
Porkie
| Medium
|
Portuguese Podengo
| Medium
|
Portuguese Pointer
| Medium
|
Portuguese Water
| Medium
|
Prague Ratter
| Low
|
Pudelpointer
| Medium low
|
Pug
| Medium
|
Puggle
| Low
|
Puli
| Medium
|
Pumi
| Medium
|
Pyrenean Mastiff
| Very high
|
Pyrenean Mountain Dog (Great Pyrenees)
| Medium high
|
Pyrenean Sheepdog
| Medium
|
Pyrenean Shepherd
| Medium
|
Pyrenees Braque Francais
| Medium
|
R
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Rafeiro do Alentejo
| High
|
Rat Terrier
| Medium low
|
Redbone Coonhound
| Medium
|
Rhodesian Ridgeback
| Medium high
|
Rottweiler
| High
|
Russian Bolonka
| Medium low
|
S
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Saint Bernard
| Very high
|
Saluki (Gazelle Hound)
| Medium
|
Samoyed
| Medium
|
Sarplaninac
| High
|
Schichon/Zuchon
| Very low
|
Schipperke
| Medium
|
Schnoodle
| Low
|
Scottish Deerhound
| Medium
|
Scottish Terrier
| Medium
|
Sealyham Terrier
| Medium
|
Segugio Italiano
| Medium low
|
Shar Pei
| Medium high
|
Sheepadoodle
| Low
|
Shetland Sheepdog
| Low
|
Shiba Inu
| Low
|
Shih Tzu
| Very low
|
Shihpoo
| Very low
|
Shikoku
| Medium low
|
Shiloh Shepherd
| High
|
Siberian Husky
| Medium
|
Silken Windhound
| Low
|
Silky Terrier
| Very low
|
Skye Terrier
| Medium
|
Sloughi
| Medium
|
Small Munsterlander
| Low
|
Snoodle
| Medium
|
Soft Coated Wheaten Terrier
| Medium
|
South Russian Owtcharka
| High
|
Spanish Bulldog
| Medium high
|
Spanish Mastiff
| Very high
|
Spanish Water Dog
| Medium low
|
Spinone Italiano
| Medium
|
Springerdoodle
| Low
|
St. Johns Waterdog
| Medium low
|
Stabyhoun (Stabij)
| Medium
|
Staffordshire Bull Terrier
| Medium
|
Standard Schnauzer
| Medium
|
Sussex Spaniel
| Medium
|
Swedish Elkhound
| Medium low
|
Swedish Lapphund
| Medium low
|
Swedish Vallhund
| Medium
|
T
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Terrier
| Low
|
Terripoo
| Low
|
Tervuren Belgian Shepherd
| Medium
|
Texas Blue Lacey
| Medium low
|
Thai Ridgeback
| Medium
|
Tibetan Mastiff
| Very high
|
Tibetan Spaniel
| Very low
|
Tibetan Terrier
| Medium
|
Tosa
| High
|
Toy Australian Shepherd
| Very low
|
Toy Fox Terrier
| Low
|
Toy Manchester Terrier
| Medium
|
Toy Poodle
| Very low
|
Treeing Walker Coonhound
| Medium
|
V
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Victorian Bulldog
| Medium
|
Vizsla
| Medium
|
Volpino Italiano
| Low
|
W
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Weimaraner
| Medium high
|
Welsh Foxhound
| High
|
Welsh Sheepdog (Welsh Collie)
| Medium low
|
Welsh Springer Spaniel
| Medium
|
Welsh Terrier
| Medium
|
West Highland White Terrier
| Medium
|
Wetterhoun
| Medium
|
Whippet
| Medium
|
White Swiss Shepherd
| Medium high
|
Wirehaired Pointing Griffon
| Medium
|
Y
| Dog breed | Cost of pet insurance compared to other breeds |
|---|---|
Yorkiepoo
| Low
|
Yorkshire Terrier
| Low
|
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