Pet insurance helps you offset vet bills and ensure you can handle pet emergencies without going into debt or sacrificing your financial goals. Pet insurance for dogs usually costs about $40 to $50 per month for accident and illness coverage. But for certain breeds, the cost is almost double that.
Typically, the bigger your dog, the more expensive your pet insurance premiums. Other factors can contribute to higher premiums, too, such as your dog's age, sex, and the pet insurance company itself. But, in general, you can expect the following 15 dog breeds to have some of the highest monthly premiums, according to a study by Spot Pet Insurance as aggregated by LendEDU.
The 15 most expensive dogs for pet insurance
Before we jump in, keep in mind that "accident only" (AO) coverage only covers dogs for injury-related vet visits, like car accidents, poisoning, or lacerations. Accident and illness coverage (A&I) covers accidents and also illnesses, like cancer or infections.
What if you're paying more for your dog?
If a dog owner is paying more than $70 to $100 per month for pet insurance, then they might be overpaying for their policy. Here are a few ways to cut your monthly premiums if you think your policy is too high.
- Pay your annual policy in full. Most pet insurance companies will give you a discount if you pay annually rather than month to month.
- Choose lower coverage. Your dog might not need an accident and illness policy. Take a close look at what each policy offers and decide if your dog needs both types of coverage.
- Shop around for pet insurance. Don't go with the first pet insurance company you find. Compare premiums among several companies and see which one offers you the best deal.
- Bundle your insurance. If your car insurance company also offers pet insurance, see if you get a discount by bundling them. Likewise, if you have more than one pet, some insurance companies will offer a "multi-pet" discount if you buy coverage for more than one.
Pet insurance for big dogs can get really expensive. But there are pet insurance companies that may provide coverage for big dogs at a good price. Take a look at some of the best pet insurance companies and compare prices to see which one offers you the best rate.
