Dog insurance is a type of policy that pet owners can purchase to cover the costs associated with their dog’s healthcare and veterinary services. This coverage typically includes expenses related to accidents, illnesses, injuries, and in some cases, preventive care and wellness services.
Pet insurance can be a valuable investment for dog owners as it helps to protect them from the financial burden of unexpected veterinary bills and allows them to focus on the health and well-being of their pets.
Dog insurance costs can vary based on factors such as the age, breed, and location of the pet, some breeds are consistently more expensive to insure than others. This is often due to the breed’s predisposition to specific health issues, size, and life expectancy.
In this article, we will explore the 20 most expensive dog breeds to insure, diving into the factors that contribute to their high insurance costs. Understanding these costs can be crucial for potential pet owners as they consider which breed is the best fit for their household and budget.
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
1. American Bandogge Mastiff
The American Bandogge Mastiff is a powerful, muscular, and loyal breed known for its protective nature and strong bond with its family. This breed is highly intelligent, making it highly trainable and suitable for various roles, such as personal protection, search and rescue, and even therapy work.
However, owning an American Bandogge Mastiff comes with responsibilities. They require consistent training, socialization, and exercise to ensure they develop into well-behaved and balanced dogs.
Average cost of insurance
The American Bandogge Mastiff, a crossbreed between the American Pit Bull Terrier and the Neapolitan or English Mastiff, can be costly to insure. The average annual insurance premium for this breed can range from $600 to $1,000, depending on factors such as age, health, and location.
Factors that contribute to high insurance costs
The high insurance costs associated with the American Bandogge Mastiff can be attributed to several factors.
- Large size making them prone to musculoskeletal issues such as hip dysplasia, elbow dysplasia, and arthritis.
- Predisposition to certain health problems like heart disease, cancer, and bloat.
- Protective nature and strength leading to higher liability coverage costs due to the potential for injuries or damage caused by the dog.
- Risk of developing panosteitis, an inflammation of the long bones that can cause lameness and discomfort.
- Higher likelihood of experiencing skin allergies or irritations, necessitating regular veterinary care.
- Prone to developing gastric torsion (bloat), a life-threatening condition that requires immediate emergency treatment.
- Greater need for early socialization and consistent training to prevent potential behavior issues, affecting insurance costs.
- Possibility of higher insurance premiums due to perceived risks associated with large guardian breeds.
- Increased risk of developing dilated cardiomyopathy, a heart condition that can lead to heart failure.
- Susceptibility to ligament and tendon injuries due to their size and weight, requiring costly treatments and rehabilitation.
Is American Bandogge a pitbull?
The American Bandogge Mastiff is not a purebred Pitbull, but it is a crossbreed that typically involves a Pitbull, such as the American Pitbull Terrier, and a Mastiff breed. The purpose of this crossbreeding is to combine the strength and athleticism of the Pitbull with the size and protectiveness of the Mastiff. As a result, the American Bandogge Mastiff shares some physical and temperamental traits with the Pitbull but is a distinct breed in its own right.
How big do American Bandogge mastiffs get?
American Bandogge Mastiffs are large, muscular dogs.
Males typically stand between 25 and 29 inches tall at the shoulder and weigh between 100 and 140 pounds.
Females are slightly smaller, standing between 23 and 26 inches tall and weighing between 85 and 120 pounds.
Individual sizes may vary depending on the specific breeds used in the cross and the dog’s genetic background.
Is a bandog aggressive?
A Bandog, which includes the American Bandogge Mastiff, is a type of crossbreed created for protection and guarding purposes. These dogs can exhibit aggressive tendencies when they perceive a threat or when they are not properly socialized and trained from a young age.
However, they are not inherently aggressive towards humans or other animals. With proper training, socialization, and responsible ownership, a Bandog can be a loyal and well-behaved companion. As with any dog breed, temperament and behavior can vary greatly among individual dogs.
What breeds create a bandog?
A Bandog is typically created by crossbreeding a large, strong breed with a more agile, muscular breed. Historically, the most common cross has been between the American Pit Bull Terrier and a Mastiff breed, such as the English Mastiff or the Neapolitan Mastiff.
Various combinations have been used over the years, including crosses with breeds like the Boxer, Bullmastiff, Cane Corso, and others. The goal is to create a dog that has the desired traits for protection and guarding work, such as strength, agility, and a strong, protective temperament.
2. American Mastiff
The American Mastiff is a majestic and gentle giant known for its calm temperament, devotion to its family, and impressive size. A relatively new breed, the American Mastiff was created by crossing the English Mastiff with the Anatolian Shepherd to combine the best traits of both breeds. This large, powerful dog is an excellent family companion, known for being protective yet affectionate with its loved ones, including children.
Average cost of insurance
The American Mastiff, a breed developed by crossing the English Mastiff and the Anatolian Shepherd, is another dog breed that can be expensive to insure. The average annual insurance premium for this breed typically ranges from $500 to $900.
Factors that contribute to high insurance costs
- Risk of developing cystinuria, a hereditary condition causing kidney and bladder stones that may require surgical intervention.
- Higher likelihood of experiencing skin allergies or irritations, necessitating regular veterinary care.
- Prone to developing gastric torsion (bloat), a life-threatening condition that requires immediate emergency treatment.
- Greater need for early socialization and consistent training to prevent potential behavior issues, affecting insurance costs.
- Possibility of higher insurance premiums due to perceived risks associated with large guardian breeds.
- Increased risk of developing progressive retinal atrophy (PRA), an eye disease that can lead to blindness.
- Susceptibility to ear infections due to their large, pendulous ears, requiring frequent checkups and treatments.
3. Bantam Bulldog
The Bantam Bulldog is a charming and affectionate breed known for its smaller size compared to the traditional English Bulldog.
They possess the same endearing qualities, such as loyalty, playfulness, and a gentle temperament, making them an excellent choice for families and individuals alike. Bantam Bulldogs are sturdy, muscular dogs with a distinctive wrinkled face and a loving personality.
Average cost of insurance
The Bantam Bulldog, a smaller version of the English Bulldog, can also be expensive to insure. The average annual insurance premium for this breed typically ranges from $450 to $800.
Factors that contribute to high insurance costs
Factors contributing to high insurance costs for Bantam Bulldogs:
- Brachycephalic facial structure leads to respiratory issues and difficulties regulating body temperature.
- Predisposed to health problems like hip dysplasia, intervertebral disc disease, and cherry eye.
- Compact size and muscular build contribute to joint and mobility issues.
- Potential skin issues due to their wrinkled face, which may require specialized care.
- Higher costs for dental care due to their unique jaw structure.
- Increased likelihood of obesity, which can lead to further health complications.
- Breed-specific health screening and diagnostic tests may contribute to higher insurance premiums.
4. Belgian Mastiff
The Belgian Mastiff, also known as the Chien de Trait Belge or the Belgian Draught Dog, is a powerful and imposing breed with a rich history as a working dog in Belgium. Once used as a draught dog for various tasks, including pulling carts and even serving in World War I, the Belgian Mastiff is known for its strength, intelligence, and loyalty. Despite their size and strength, Belgian Mastiffs are gentle, affectionate, and good-natured, making them excellent family companions when provided with proper training and socialization.
Average cost of insurance
The Belgian Mastiff can be an expensive breed to insure, with average annual insurance premiums ranging from $600 to $1,000.
Factors that contribute to high insurance costs
Factors contributing to high insurance costs for Belgian Mastiffs:
- Risk of developing autoimmune diseases, such as autoimmune hemolytic anemia, which can lead to long-term health issues and treatment costs.
- Higher likelihood of experiencing skin allergies or irritations, necessitating regular veterinary care.
- Prone to developing patellar luxation, a knee condition that can impact mobility and require surgical intervention.
- Greater need for early socialization and consistent training to prevent potential behavior issues, affecting insurance costs.
- Possibility of higher insurance premiums due to perceived risks associated with large guardian breeds.
- Increased risk of developing Wobbler Syndrome, a neurological disorder that affects the spinal cord and can lead to mobility issues.
- Susceptibility to ear infections due to their large, pendulous ears, requiring frequent checkups and treatments.
5. Boerboel ( South African Mastiff )
The Boerboel, also known as the South African Mastiff, is a powerful and imposing breed originally developed in South Africa as a versatile farm dog and guardian.
Boerboels are known for their impressive size, strength, and unwavering loyalty to their families. Despite their formidable appearance, Boerboels can be gentle, affectionate, and even playful when properly trained and socialized. As a highly intelligent breed, they require consistent training, early socialization, and a firm yet loving hand to become well-rounded companions.
Average cost of insurance
The average annual insurance premium for a Boerboel typically ranges from $600 to $1,200.
Factors that contribute to high insurance costs
Factors contributing to high insurance costs for Boerboels:
- Susceptibility to juvenile-onset demodicosis, a mite infestation that can lead to skin issues and infections.
- Higher risk of developing entropion, an eye condition requiring surgical intervention.
- Increased likelihood of experiencing allergies or skin irritations, necessitating regular veterinary care.
- Prone to developing elbow and shoulder osteochondrosis, a joint condition that can impact mobility.
- Greater need for early socialization to prevent potential behavior issues, affecting insurance costs.
- Possibility of higher insurance premiums due to perceived risks associated with large guardian breeds.
- Increased risk of developing degenerative myelopathy, a progressive spinal cord disease.
6. Bullmastiff
The Bullmastiff is a strong and powerful breed known for its protective instincts and unwavering loyalty. Originally developed in England by crossing Bulldogs and Mastiffs, the Bullmastiff was bred to be an efficient estate guardian.
Despite their formidable size and appearance, Bullmastiffs are gentle and affectionate, making them excellent family companions when provided with proper training and socialization. Their calm and confident demeanor, combined with their loyalty and courage, makes them highly valued as both protectors and pets.
Average cost of insurance
The average annual insurance premium for a Bullmastiff typically ranges from $700 to $1,100.
Factors that contribute to high insurance costs
Factors contributing to high insurance costs for Bullmastiffs:
- Susceptibility to obesity, which can exacerbate existing health issues and cause further complications.
- Prone to developing entropion or ectropion, eye conditions that require surgical intervention.
- Increased risk of hypothyroidism, a hormonal disorder that can impact overall health and well-being.
- Potential for developing cruciate ligament injuries due to their size and weight.
- Higher likelihood of experiencing allergies or skin irritations, which may necessitate regular veterinary care.
- Greater need for early socialization to prevent potential behavior issues, which can impact insurance costs.
- Possibility of higher insurance premiums due to perceived risks associated with large guardian breeds.
7. Cane Corso
The Cane Corso is a large and muscular Italian breed known for its intelligence, loyalty, and protective instincts.
Originally bred for guarding property, livestock, and as a hunting dog, the Cane Corso has a long history as a working dog. Nowadays, they are often seen as family pets and protectors, thanks to their strong bonds with their owners and their even-tempered disposition. With proper training and socialization, Cane Corso can make excellent companions for experienced dog owners who appreciate their strength and loyalty.
Average cost of insurance
The average annual insurance premium for a Cane Corso typically ranges from $800 to $1,200.
Factors that contribute to high insurance costs
Factors contributing to high insurance costs for Cane Corsos:
- Prone to developing cherry eye, a prolapsed gland of the third eyelid, which may require surgical intervention.
- Risk of developing demodectic mange, a skin condition caused by mites that can lead to infections.
- Higher likelihood of experiencing allergies or skin irritations, necessitating regular veterinary care.
- Greater need for early socialization and consistent training to prevent potential behavior issues, affecting insurance costs.
- Possibility of higher insurance premiums due to perceived risks associated with large guardian breeds.
- Increased risk of developing hypothyroidism, a hormonal disorder that can impact overall health and well-being.
- Susceptibility to ear infections due to their large, pendulous ears, requiring frequent checkups and treatments.
8. Dogue de Bordeaux
The Dogue de Bordeaux, also known as the French Mastiff, is an ancient breed originating from France. Known for its massive head, muscular build, and distinctive wrinkled face, the Dogue de Bordeaux has a commanding presence.
Despite its imposing appearance, this breed is known for its affectionate and loyal nature, making it an excellent companion for families. The Dogue de Bordeaux requires consistent training and socialization from an early age to ensure they grow up to be well-rounded, well-behaved dogs.
Average cost of insurance
The average annual insurance premium for a Dogue de Bordeaux typically ranges from $900 to $1,300.
Factors that contribute to high insurance costs
Factors contributing to high insurance costs for Dogue de Bordeaux:
- Risk of developing ectropion, a condition in which the lower eyelid rolls outward, which may require surgical intervention.
- Prone to developing dilated cardiomyopathy, a heart condition that can lead to heart failure.
- Higher likelihood of experiencing skin fold infections due to their wrinkled facial features, necessitating regular veterinary care.
- Greater need for early socialization and consistent training to prevent potential behavior issues, affecting insurance costs.
- Possibility of higher insurance premiums due to perceived risks associated with large guardian breeds.
- Increased risk of developing cruciate ligament injuries, which can require costly surgery and rehabilitation.
- Susceptibility to heat intolerance and heatstroke due to their short muzzle and facial structure, requiring extra care and precautions during hot weather.
9. Fila Brasileiro/Brazilian Mastiff
The Fila Brasileiro, also known as the Brazilian Mastiff, is a large and powerful breed originating from Brazil. Bred as a working dog, the Fila Brasileiro was primarily used for guarding livestock, property, and tracking down escaped slaves. Known for its loyalty and natural protective instincts, the Fila Brasileiro is an intelligent and courageous breed.
Due to their strong-willed nature, they require experienced owners who can provide firm and consistent training, as well as early socialization to ensure they develop into well-behaved, well-rounded dogs.
Average cost of insurance
The average annual insurance premium for a Fila Brasileiro typically ranges from $1,000 to $1,500.
Factors that contribute to high insurance costs
Factors contributing to high insurance costs for Fila Brasileiros:
- Risk of developing elbow dysplasia, a developmental abnormality in the elbow joint that can cause lameness and discomfort.
- Prone to developing entropion, a condition in which the eyelid rolls inward, which may require surgical intervention.
- Higher likelihood of experiencing gastric torsion (bloat), a life-threatening condition that requires immediate emergency treatment.
- Greater need for early socialization and consistent training to prevent potential behavior issues, affecting insurance costs.
- Possibility of higher insurance premiums due to perceived risks associated with large guardian breeds.
- Increased risk of developing progressive retinal atrophy (PRA), an eye condition that can lead to blindness.
- Susceptibility to tail injuries due to their long, heavy tails, which may require veterinary care and treatment.
10. French Bulldog
The French Bulldog, affectionately known as the Frenchie, is a small and compact breed that has gained immense popularity in recent years. With their distinct bat-like ears, wrinkled face, and charming personality, Frenchie’s have captured the hearts of dog lovers worldwide. They are a playful, affectionate, and intelligent breed that is well-suited to apartment living due to their small size and low exercise requirements. However, potential owners should be aware of the breed’s unique health challenges and the associated costs.
Average cost of insurance
The average annual insurance premium for a French Bulldog typically ranges from $800 to $1,200.
Factors that contribute to high insurance costs
Factors contributing to high insurance costs for French Bulldogs:
- Prone to brachycephalic airway syndrome due to their short muzzle, which can lead to breathing difficulties and require veterinary intervention.
- Risk of developing intervertebral disc disease, a spinal condition that can cause pain, weakness, or paralysis.
- Higher likelihood of experiencing skin fold dermatitis, which requires regular cleaning and may necessitate veterinary care.
- Greater susceptibility to allergies, which can result in skin issues, ear infections, or gastrointestinal problems.
- Increased risk of developing patellar luxation, a knee joint condition that can cause lameness and may require surgery.
- Potential for higher insurance premiums due to the breed’s popularity and demand, leading to irresponsible breeding practices.
- Prone to obesity, which can exacerbate existing health issues and contribute to the development of new ones.
11. Mastiff
The Mastiff, also referred to as the English Mastiff, is a giant dog breed known for its imposing size, strength, and gentle temperament. Despite their intimidating appearance, Mastiffs are loving and loyal family companions, often described as gentle giants. They are protective by nature and make excellent watchdogs. Given their size and specific care requirements, potential owners should be aware of the associated health challenges and costs before committing to this breed.
Average cost of insurance
The average annual insurance premium for a Mastiff typically ranges from $1,000 to $1,500.
Factors that contribute to high insurance costs
Factors contributing to high insurance costs for Mastiffs:
- Prone to developing cystinuria, a hereditary condition that can lead to the formation of urinary stones, requiring medical intervention.
- Risk of developing panosteitis, a painful bone condition that affects young, rapidly growing dogs.
- Higher likelihood of experiencing cruciate ligament injuries due to their size and weight, which may necessitate surgical repair.
- Greater susceptibility to hypothyroidism, an endocrine disorder that requires lifelong medication and monitoring.
- Increased risk of developing ectropion, a condition where the lower eyelid droops outward, which can cause irritation or infection.
- Potential for higher insurance premiums due to the costs associated with treating orthopedic conditions in a large dog breed.
- Prone to experiencing heat stress and heatstroke, requiring extra care during warm weather to avoid potentially life-threatening situations.
12. Neapolitan Mastiff
The Neapolitan Mastiff, or Mastino Napoletano, is a large and ancient dog breed known for its unique appearance and impressive guarding abilities. With their loose, wrinkled skin and muscular build, Neapolitan Mastiffs are easily recognizable and have a commanding presence. They are devoted and protective family companions, making them excellent watchdogs.
Average cost of insurance
The average annual insurance premium for a Neapolitan Mastiff typically ranges from $1,200 to $1,600.
Factors that contribute to high insurance costs
Factors contributing to high insurance costs for Neapolitan Mastiffs:
- Prone to developing cherry eye, a condition affecting the third eyelid gland, which may require surgical correction.
- Risk of experiencing entropion, a condition where the eyelid rolls inward, causing irritation and potential damage to the eye.
- Higher likelihood of developing demodectic mange, a skin condition caused by mites, which may necessitate veterinary treatment.
- Greater susceptibility to cardiomyopathy, a heart condition that can lead to heart failure and require lifelong management.
- Increased risk of developing cystinuria, a hereditary condition that can lead to the formation of urinary stones.
- Potential for higher insurance premiums due to the costs associated with treating orthopedic conditions in a large dog breed.
- Prone to experiencing gastric torsion (bloat), a life-threatening condition that requires immediate emergency treatment.
13. Nebolish Mastiff
The Nebolish Mastiff is a rare and relatively new breed, originating from Canada as a crossbreed between various Mastiffs, Great Danes, and other large breeds. These massive dogs are known for their intelligence, loyalty, and protective nature, making them excellent family companions and guardians.
Average cost of insurance
The average annual insurance premium for a Nebolish Mastiff typically ranges from $1,100 to $1,500.
Factors that contribute to high insurance costs
Factors contributing to high insurance costs for Nebolish Mastiffs:
- Prone to obesity due to their large size and lower energy levels, which may lead to additional health complications.
- Risk of developing progressive retinal atrophy (PRA), an eye disorder that can result in blindness.
- Susceptible to developing hypothyroidism, a condition that affects the thyroid gland and requires lifelong medication.
- Increased risk of cruciate ligament injuries due to their size and weight, which may necessitate surgery.
- Higher likelihood of experiencing allergies and skin issues, requiring ongoing veterinary care and treatments.
- Greater susceptibility to developing elbow and shoulder osteochondrosis, a joint disorder that can lead to arthritis and painful mobility issues.
- Their rarity and mixed breed background can make it challenging for insurance companies to accurately assess the potential health risks, leading to higher premiums.
These factors, combined with their size and unique genetic makeup, make insuring a Nebolish Mastiff more expensive than many other dog breeds.
14. Newfoundland
The Newfoundland is a breed of working dog that originated on the Newfoundland island.
They are possibly a crossbreed between native dogs and the Great Pyrenees dogs brought by Basque fishermen in the 17th century. These dogs are known for rescuing people from the sea and are characterized by their huge, gentle, and patient demeanor. They stand 26 to 28 inches tall and weigh between 100 to 150 pounds.
The breed has powerful hindquarters, large lung capacity, webbed feet, and a heavy coat that helps them swim and withstand cold water. Besides rescue work, they are used as watchdogs, companions, and draft animals. Newfoundlands are usually solid black, brown, or gray, while the Landseer Newfoundland is typically black and white and is named after the artist Sir Edwin Landseer, who painted it.
Average cost of insurance
The average annual insurance premium for a Newfoundland typically ranges from $1,000 to $1,400.
Factors that contribute to high insurance costs
Factors contributing to high insurance costs for Newfoundlands:
- Prone to subvalvular aortic stenosis (SAS), a heart condition that can lead to heart failure and sudden death.
- Susceptible to cystinuria, a genetic kidney disorder that can cause the formation of painful and dangerous urinary stones.
- Higher likelihood of developing ear infections due to their long, floppy ears, requiring ongoing veterinary care.
- Increased risk of experiencing panosteitis, an inflammatory condition that affects the long bones and can cause lameness.
- Their thick, double coat makes them prone to overheating in hot weather, leading to potential heatstroke and related health issues.
- Greater susceptibility to developing gastric torsion or bloat, a life-threatening condition that requires emergency veterinary intervention.
- Their large size and weight can contribute to orthopedic issues such as hip and elbow dysplasia, leading to painful mobility problems and potential surgical interventions.
15. Pyrenean Mastiff
The Pyrenean Mastiff is a majestic and ancient livestock guardian breed that hails from the Pyrenees Mountains of Spain. Known for their impressive size and gentle temperament, these dogs have historically protected flocks from predators. Their loyalty, courage, and calm demeanor make them excellent companions and protectors for families.
Average cost of insurance
The average annual insurance premium for a Pyrenean Mastiff typically ranges from $1,200 to $1,600.
Factors that contribute to high insurance costs
Factors contributing to high insurance costs for Pyrenean Mastiffs:
- Higher risk of developing Canine Leishmaniasis, a parasitic disease transmitted by sandflies, which can cause severe health issues.
- More susceptible to entropion, a condition where the eyelids roll inward, leading to irritation and potential damage to the cornea.
- Increased chances of developing cruciate ligament injuries due to their large size and weight, which may require surgical intervention.
- Prone to obesity, which can exacerbate existing health conditions and lead to additional problems, such as diabetes and heart disease.
- Higher risk of experiencing panosteitis, an inflammatory condition that affects the long bones and can cause lameness.
- Greater susceptibility to developing gastric torsion or bloat, a life-threatening condition that requires emergency veterinary intervention.
- Their large size and weight increase the likelihood of developing orthopedic issues such as hip and elbow dysplasia, which may necessitate surgery and ongoing treatment.
16. Rottweiler
The Rottweiler is a robust and powerful breed, originating from Germany, where they were used as herding and working dogs. Known for their loyalty, intelligence, and strength, Rottweilers make excellent companions, protectors, and service dogs. However, insuring a Rottweiler can be more expensive than other breeds due to certain health risks and breed-specific concerns.
Average cost of insurance
The average cost of insurance for a Rottweiler can vary depending on several factors such as the dog’s age, health, location, and the specific insurance plan chosen. However, as a general guideline, you can expect to pay between $50 to $100 per month for a comprehensive pet insurance plan that covers accidents, illnesses, and routine care. Keep in mind that this range can fluctuate depending on the aforementioned factors and the insurance provider.
Factors that contribute to high insurance costs
Factors contributing to high insurance costs for Rottweilers:
- Predisposition to hip and elbow dysplasia, which may require surgery and ongoing treatment.
- Susceptibility to heart diseases, such as aortic stenosis and dilated cardiomyopathy.
- A higher risk of certain cancers, including lymphoma and osteosarcoma.
- Tendency to develop eye issues, such as cataracts and progressive retinal atrophy.
- Vulnerability to obesity, which can exacerbate existing health problems and increase the risk of developing new ones.
- Possibility of bloat, a life-threatening condition that requires emergency treatment.
- Perception as an aggressive breed, which may result in higher liability coverage costs due to the potential for injuries or damage caused by the dog.
17. Saint Bernard
The Saint Bernard is a large and powerful dog breed, originally bred for rescue operations in the Swiss Alps. These gentle giants are known for their friendly and affectionate nature, making them a beloved family pet.
Their iconic appearance, with their massive size, muscular build, and thick fur coat, is easily recognizable and has been featured in movies and television shows. Despite their size, Saint Bernards are good-natured dogs, adapting well to family life and showing patience and love towards children.
Average cost of insurance
The average annual insurance premium for a Pyrenean Mastiff typically ranges from $60 to $100.
Factors that contribute to high insurance costs
Factors that contribute to high insurance costs for Saint Bernards include:
- Size: Saint Bernards are a giant breed, and their large size can lead to more frequent and severe health issues, which in turn increases the cost of insurance.
- Lifespan: The breed’s relatively short lifespan, averaging 8-10 years, makes them more susceptible to age-related health problems.
- Joint issues: Saint Bernards are prone to hip and elbow dysplasia, which can lead to costly treatments and surgeries.
- Bloat: As a deep-chested breed, Saint Bernards are at risk for bloat or gastric torsion, a life-threatening condition that requires emergency treatment.
- Heart issues: The breed is predisposed to certain heart conditions, such as dilated cardiomyopathy and aortic stenosis.
- Eye problems: Saint Bernards may develop eye issues like entropion, ectropion, and cataracts. Entropion is a condition where the eyelids roll inward, causing irritation and discomfort, while ectropion is when the eyelids roll outward, exposing the eye to potential infections. Cataracts, on the other hand, can lead to vision impairment and even blindness if not treated promptly.
- Skin conditions: Saint Bernards are prone to various skin conditions, including allergies, hot spots, and skin fold dermatitis. Allergies can cause itching, redness, and discomfort, while hot spots are painful, localized skin infections. Skin fold dermatitis is an inflammation that occurs in the deep skin folds, particularly in the facial and neck areas of the breed. These skin issues can require ongoing treatment and management, increasing the overall cost of insurance for Saint Bernards.
18. South Russian Ovcharka
The South Russian Ovcharka, also known as the South Russian Shepherd Dog or Ukrainian Shepherd Dog, is a large and powerful breed that hails from the steppes of Southern Russia and Ukraine.
These dogs have been used for centuries as livestock guardians, protecting sheep and other livestock from predators such as wolves and bears. With their thick, weather-resistant coats, strong bodies, and unwavering loyalty, South Russian Ovcharkas have earned their place as exceptional working dogs and devoted family companions.
However, their size, strength, and protective instincts make them a breed suited to experienced dog owners who can provide the necessary training, socialization, and exercise to keep them happy and healthy.
Average cost of insurance
The average cost of insurance for a South Russian Ovcharka can vary depending on several factors, such as the specific insurance company, coverage options, and the dog’s age and health.
Generally, insurance costs for this breed can range from $60 to $120 per month, but it is important to obtain quotes from multiple insurance providers to find the best coverage and price for your specific situation.
Factors that contribute to high insurance costs
Factors that contribute to higher insurance costs for the South Russian Ovcharka include:
- Size and weight: South Russian Ovcharkas are large dogs, often weighing between 110 and 130 pounds. Their size can make them more susceptible to health issues such as hip and elbow dysplasia, which can require costly treatment and management.
- Protective instincts: The South Russian Ovcharka is a natural guardian, which can lead to increased liability coverage costs due to the potential for injuries or damage caused by the dog if not properly trained and socialized.
- Grooming needs: Their thick, long coats require regular grooming, which can lead to additional costs for professional services or increased risk of skin issues if not maintained properly.
- Prevalence of hip dysplasia: This breed is prone to hip dysplasia, a hereditary condition that can lead to arthritis and decreased mobility, resulting in higher veterinary expenses and insurance costs.
- Potential for bloat: South Russian Ovcharkas are also susceptible to bloat, a life-threatening condition that requires immediate emergency treatment, which can be costly.
- Temperament: These dogs are known for their strong protective instincts, which can lead to higher liability insurance costs due to the potential for aggressive behavior if not properly socialized and trained.
- Rarity: As a less common breed in some regions, finding a veterinarian experienced in treating South Russian Ovcharkas may be more challenging, potentially leading to higher costs for specialized care.
19. Spanish Mastiff
The Spanish Mastiff is a large and ancient livestock guardian breed, originating from Spain. This powerful and majestic dog has been used for centuries to protect flocks of sheep from wolves and other predators. Known for their loyalty, bravery, and gentle temperament with their families, the Spanish Mastiff has become a popular choice for those seeking a strong and dependable companion.
Average Cost of Insurance
The average cost of insurance for a Spanish Mastiff ranges from $60 to $120 per month for comprehensive coverage.
Factors that contribute to high insurance costs
Factors affecting the insurance cost for a Spanish Mastiff:
- Size and weight: Spanish Mastiffs are among the largest dog breeds, which can contribute to increased insurance costs due to the potential for causing more severe injuries or damage if not properly trained and controlled.
- Prone to hip and elbow dysplasia: These large dogs are susceptible to hereditary joint issues, such as hip and elbow dysplasia, which can lead to costly treatments and higher insurance premiums.
- Susceptibility to bloat: Like other large, deep-chested breeds, Spanish Mastiffs are at risk for developing bloat, a life-threatening condition that requires immediate emergency treatment and can result in high veterinary expenses.
- Lifespan: The lifespan of a Spanish Mastiff is generally shorter than that of smaller breeds, which may lead to more frequent age-related health issues, contributing to higher insurance costs.
- Grooming needs: Their dense, double coat requires regular grooming, which can lead to additional costs for professional services or increased risk of skin issues if not maintained properly.
- Protective instincts: Spanish Mastiffs are known for their strong protective instincts, which can lead to higher liability coverage costs. Their protective nature, when not properly managed, may pose a risk for injuries or damage caused by the dog, resulting in increased insurance premiums.
- Prevalence of certain health issues: Spanish Mastiffs are prone to various health issues, such as heart problems, certain types of cancer, and obesity. These conditions can lead to more frequent veterinary visits and treatments, contributing to higher insurance costs.
20. Tibetan Mastiff
The Tibetan Mastiff is an ancient and majestic breed of dog originating from the high altitudes of the Tibetan Plateau. Known for their incredible loyalty, fierce protection instincts, and regal appearance, these dogs have been used as guardian dogs for centuries.
Tibetan Mastiffs are large and powerful, with males weighing between 90 to 150 pounds and females weighing 70 to 120 pounds.
Their dense double coat, which comes in a variety of colors, is suited to protect them in harsh mountain climates. Despite their imposing size, Tibetan Mastiffs are known to be intelligent, patient, and gentle with their families.
Average Cost of Insurance
The average cost of insurance for a Tibetan Mastiff can range from $70 to $150 per month.
Factors that contribute to high insurance costs
Factors affecting the cost of insurance for a Tibetan Mastiff:
- Rarity: Tibetan Mastiffs are relatively rare in many countries, which can drive up their insurance costs due to a lack of data on the breed’s health and potential risks.
- Size: Their large size makes them more prone to certain musculoskeletal issues such as hip and elbow dysplasia, which can lead to higher insurance premiums.
- Coat Maintenance: Tibetan Mastiffs have a thick double coat that requires regular grooming to prevent matting, which can lead to skin issues and infections. This grooming requirement may contribute to increased insurance costs.
- Bloat: Like many large breeds, Tibetan Mastiffs are at risk of developing bloat, a life-threatening condition that can require emergency veterinary care, which in turn can raise insurance premiums.
- Breed-Specific Legislation: Some areas have breed-specific legislation that targets large and powerful breeds like the Tibetan Mastiff, which can lead to higher liability coverage costs due to potential legal issues or restrictions.
- Genetic Health Issues: Tibetan Mastiffs can be prone to certain hereditary health problems, such as hypothyroidism, heart issues, and eye problems, which may result in higher insurance costs due to the potential for increased veterinary care.
- Training and Socialization: Tibetan Mastiffs are intelligent, independent dogs that require consistent training and socialization from an early age. Insufficient training can lead to behavioral issues, which may increase insurance costs due to the potential for injury or damage caused by the dog.
