Best Pet Insurance For Bernese Mountain Dogs 2023 (Cost, Quotes & FAQs)

Bernese mountain dog pet insurance

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This is the most comprehensive guide to finding the best pet insurance for Bernese Mountain Dogs.

If you’re the proud parent of a Bernese Mountain Dog, you know how special these big bundles of love are. And if you’re like most pet owners, you want to do everything possible to keep your furry friend healthy and happy. That’s why finding the best pet insurance for Bernese Mountain Dogs is so important.

Not all pet insurance policies are created equal – some provide better coverage than others – so it’s essential to research your options before you decide. Luckily, we’ve done the hard work for you!

In this blog post, we’ll outline the best pet insurance policies for Bernese Mountain Dogs, offer some tips on choosing the right policy for your needs, and answer the most pressing question about getting coverage for your Berner. Let’s get started!

The Best Pet Insurance Companies For Bernese Mountain Dogs

Here are Canine Bible’s top 3 picks for the best pet insurance for Bernese Mountain Dogs.

healthy paws pet insurance
Top Pick

Best Overall

embrace pet insurance
Top Pick

Curable Pre-Existing Conditions

pets best pet insurance
Top Pick

Best Value

You can click this link to go straight to the reviews, but we encourage you to keep reading to make a more informed decision about getting pet insurance for your Bernese Mountain Dog.

  1. Healthy Paws: Best overall pet insurance for your Bernese Mountain Dog.
  2. Embrace Pet Insurance: Great for curable pre-existing conditions.
  3. Pets Best: Best value for your wallet.

What Is Pet Insurance?

Getting pet insurance for your Bernese Mountain Dog is equivalent to getting health insurance for yourself. Pet Insurance is designed to reimburse dog owners for unexpected veterinary expenses and related fees, giving peace of mind and protecting your savings.

How Much Does Pet Insurance Cost For Bernese Mountain Dogs?

Bernese Mountain Dog pet insurance prices will be based on your pet’s pre-existing health conditions, gender, age, location, and other factors.

Keep in mind rising vet costs due to advances in technology and an increasing number of claims in the location where you live can make your monthly payment increase. For instance, if your Bernese Mountain Dog is quoted at $60 per month today, that price is subject to change.

We compared quotes for plans for Bernese Mountain Dogs with three popular pet insurance providers to help you find the best fit for you in terms of monthly premiums and coverage.

We chose three Bernese Mountain Dogs at different stages in their life. An adult Bernese Mountain Dog (5 years old), a young Bernese Mountain Dog (1-year-old), and a puppy Bernese Mountain Dog (3 months old).

Check out this Pet Insurance cost comparison table for Bernese Mountain Dog.

Pet Insurance Quotes For Best-Pet-Insurances

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50070%Unlimited$111.28Oklahoma City
(zip code 73071)
MaleBernese Mountain Dog5 years
Embrace$50070%$30,000$89.91Oklahoma City
(zip code 73071)
MaleBernese Mountain Dog5 years
Pets Best$50070%Unlimited$57.01Oklahoma City
(zip code 73071)
MaleBernese Mountain Dog5 years
Healthy Paws$50070%Unlimited$91.38Washington DC
(zip code: 20746)
FemaleBernese Mountain Dog1 year
Embrace$50070%$30,000$92.43Washington DC
(zip code: 20746)
FemaleBernese Mountain Dog1 year
Pets Best$50070%Unlimited$45.58Washington DC
(zip code: 20746)
FemaleBernese Mountain Dog1 year
Healthy Paws$50070%Unlimited$94.29Los Angeles
(zip code: 90023)
FemaleBernese Mountain Dog3 months
Embrace$50070%$30,000$89.33Los Angeles
(zip code: 90023)
FemaleBernese Mountain Dog3 months
Pets Best$50070%Unlimited$85.52Los Angeles
(zip code: 90023)
FemaleBernese Mountain Dog3 months

So, how much are you expected to pay for canine insurance for your Bernese Mountain Dog?

If you get Pet Insurance for your Bernese Mountain Dog, you can expect to pay between $46 to $111 per month. Depending on where you live, what deductible, and the reimbursement percentage you choose, you may spend more or less.

NOTE: The quotes we ran were for dogs with no pre-existing conditions. All quotes are from March 2022.

Is Pet insurance For Bernese Mountain Dogs Worth it?

Purchasing pet insurance is recommended to protect your dog and your finances if an accident occurs. Depending on your plan, you may receive a reimbursement of 70% to 90% of the vet bill.

Still not convinced that insuring your pet is worthwhile?

Here are three main reasons you should consider getting pet insurance for your Bernese Mountain Dog.

1. Avoid Deciding Between Your Wallet & Your Bernese Mountain Dog

USA Today reports that many dog owners have had to make the terrible decision to euthanize their pup because they didn’t have the money to pay for surgery or treatment.1

With pet insurance, you are to seek out medical care for your sick or injured Bernese Mountain Dog without worrying about financial difficulties.

On average, the most common dog treatments cost $252.75, while a more severe and common condition in Bernese Mountain Dogs, like Aseptic Meningitis, can cost between $1,500 – $4,000 to diagnose and treat.2

2. Accidents

According to a survey conducted by the American Pet Products Association, nearly 70% of households in the U.S. own a pet, and it’s estimated that 1 in 3 will need emergency veterinary treatment every year.

So, how does that translate to Bernese Mountain Dogs numbers?

A recent survey found that roughly 90 million dogs live in the United States. So, unfortunately, 33% (1 in 3)  of Bernese Mountain Dogs may need emergency care this year. 

This could lead to massive vet bills. In fact, the average cost of unexpected veterinary care for dogs is between $250 to $8,000, says Healthy Paws in a recent report.4

Having a good pet insurance plan will cover the majority of the vet costs as most pet insurance policies reimburse up to 80% (some go up to 90%) of total vet expenses after deductibles.

3. Common Health Issues For Bernese Mountain Dogs

The following table shows the most common health conditions Bernese Mountain Dogs are prone to develop.

We also include the level of risk (susceptibility to each health condition) and how much you are expected to pay.

ConditionRiskCost to Diagnose & Treat
Hip DysplasiaMedium$1,500 - $6,000
Elbow DysplasiaHigh$1,500 - $4,000
Aseptic MeningitisHigh$1,500 - $4,000
OsteochondrosisHigh$2,000 - $4,000
Von Willebrand DiseaseMediumVarious
Cutaneous HistiocytosisMedium$300 - $1,000
Degenerative MyelopathyMedium$2,000 - $4,000
PyometraLow$1,000 - $2,000
Progressive Retinal AtrophyHighVarious
CataractsHigh$2,700 - $4,000

Data Source: Embrace & Wag Walking

Other Reasons To Get Dog Insurance For Your Bernese Mountain Dog

  • Delivers peace of mind
  • Can cover your pet’s hereditary condition
  • Avoid veterinary rising cost
  • Can help you find your missing/stolen pet
  • Can cover third-party liabilities
  • Helps you save money

PRO TIP: If you know your dog breed is prone to develop certain health issues, we highly recommend getting a pet insurance policy when your dog is still healthy. If your dog does develop chronic conditions down the road, you’re guaranteed reimbursement for these issues throughout your dog’s life.

Pet Insurance for your Berner can spare you a lot of financial trouble. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Berner’s life.

Best Pet Insurance For Bernese Mountain Dogs

Meet Canine Bible’s top picks for Bernese Mountain Dog’s pet insurance.

We’ve reviewed each company based on specific breed needs, customer reviews, affordability, and other factors to help you choose the right company and coverage for your Bernese Mountain Dog.

Best Overall: Healthy Paws

Why is Healthy Paws a good choice for your Bernese Mountain Dog?

There are no caps on payouts when you file a claim under a Healthy Paws insurance plan. 

A Healthy Paws insurance plan may cover accidents, illnesses, cancer, emergency care, genetic conditions, and alternative care.

They have competitive premium prices. We ran a quote for a healthy Bernese Mountain Dog at a $500 deductible, with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $91 and $111.

With Healthy Paws, you can start protecting your Bernese Mountain Dog at just 8-weeks old. You can protect them from anything like a pesky bee sting to parvo.

Once you pay your deductible, there is no limit on the amount your policy can reimburse you. It also has fewer coverage exclusions compared to many competitors. Healthy Paws states that they pay 99% of claims in two days.

  • You can submit your claim online or via their app
  • Pet are eligible for coverage when they travel with you in the U.S. or Canada (up to 3 months)
  • BBB Rating: A+
  • Great email response time
  • Direct deposit or check reimbursement
  • No limit to how many claims you can make
  • 15-day waiting period for accident and illness
  • Doesn’t cover veterinary exam fee and behavioral therapies
  • No wellness plan
  • There is a one-time enrollment fee of $25
  • Can’t enroll pets over 4 years old in NY

Embrace Pet Insurance Review: Great For Curable Pre-Existing Conditions

If your Bernese Mountain Dog suffers from a curable pre-existing condition Embrace Pet Insurance is your best choice!

Most pet insurance companies do not cover pre-existing conditions, but Embrace distinguishes between curable and incurable pre-existing conditions. They can cover curable conditions after 12 months of symptom and are treatment-free.

Based on our research, if you sign up with Embrace, you can expect to pay between $89 and $94, but prices may vary depending on your location, Bernese Mountain Dog’s age, and other factors.

From tooth extractions to torn ligaments, Embrace has you covered when your Bernese Mountain Dog gets hurt unexpectedly. They can also cover Hip Dysplasia treatment, which Bernese Mountain Dogs are prone to, as long as they were diagnosed after coverage.

Claims are addressed fairly quickly (averages 10 to 15 business days), and centers for after-hour treatment are included in emergency care coverage. 

Also, your Bernese Mountain Dog’s annual deductible goes down $50 each year you don’t receive an accident or illness claim reimbursement.

  • Curable pre-existing conditions eligible for coverage
  • Reimburses for preventative veterinary care, grooming, training, and more with no per-item limits payout caps under their optional Wellness Rewards* plan
  • Coverage for exam fees
  • 24/7 PawSupport Pet Health Line to speak with a pet professional
  • BBB rating is A+
  • 10% multiple pet discounts
  • Coverage when traveling outside of the U.S. with your pet
  • $25 enrollment fee
  • $1.00 monthly transaction fee
  • Requires a 2-day waiting period for accidents
  • Must call for unlimited claim option

*Wellness Rewards not available in Rhode Island.

Best Value: Pets Best Review

Pets Best offers excellent pet insurance coverage for your Bernese Mountain Dog, but that’s also affordable.

We ran a few quotes for a healthy Bernese Mountain Dog at a $500 deductible and a 70%, 80%, and 90% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $46 and $85, depending on your location, pet’s age, gender, and other factors.

This company has no upper age limit so that you can enroll your aging Bernese Mountain Dog in a plan no matter their age. Keep in mind that rates go up depending on your pet’s age.

Their plans cover emergencies, cancer, illnesses, and other situations your senior dog may encounter. It even includes access to a 24/7 Pet Helpline so you can speak with a veterinarian any time.

It typically has a reasonable claim repayment time of 2 days if you have a direct deposit. If you don’t, it will take between 5-7 days.

  • Most affordable coverage pricing
  • BBB Rating: A+
  • 24/7 Pet Helpline to speak with a vet expert
  • Pet travel is covered in the U.S., Canada, and Puerto Rico
  • 30-day money-back guarantee
  • Routine care coverage
  • 5% multi-pet discount
  • No age limits
  • Accident and illness exam fee coverage
  • 14-day waiting period for illness and 3 days for Accident
  • Premiums increase as pet ages
  • 6-month waiting period for CCL injuries
  • Average claim repayment is longer than the competition

Average Cost of Bernese Mountain Dogs Vet Bills (Healthy Vet Visit vs Emergencies)

Considering vet visits and emergencies, do you wonder what you’ll have to pay out of pocket? Here is a breakdown of the average price for both.

Unless you have insurance, you will likely pay similar amounts for either type of visit.

Healthy Vet Visits

  • Puppy vaccinations: $75-100
  • Flea & tick prevention: $40-200
  • Heartworm prevention: $24-120
  • Spay or neuter surgery: $200-800
  • Annual exam: $240-600
  • Teeth cleaning: $200-500
  • Microchip: $40

Emergency Vet Visits

  • General consultation/exam: $100-$150
  • General bloodwork: $80-200
  • X-rays: $150-$250
  • Ultrasound: $300-$600
  • 1-2 day hospitalization: $600-$1,700
  • 3-5 day hospitalization: $1,500-$3,500
  • Wound treatment & repair: $800-$1,500
  • Emergency surgery: $800-$2,500
  • Oxygen therapy: $500

Sources: Emergency Vets USA & Rover

Pet Insurance For Bernese Mountain Dog Puppy

Should you get pet insurance for your Bernese Mountain Dog puppy? Here are the top reasons you should consider Bernese Mountain Dog puppy insurance.

  • Lower Premiums. Younger pets are cheaper to insure than their older counterparts. Because pet insurance rates are based on age, breed and location, your premium is lower with puppies.
  • Covering Future Conditions. If you know your dog breed is presdisposed to certain health issues, it’s best to insure your puppy before he shoes shows any symptoms or is diagnosed with an illness or issue. Most pet insurance provides won’t cover pre-existing conditions. However, if your puppy develops one (i.e. cancer, allergies, diabetis) when insured, your pet insurance company will cover the cost and any future expenses.
  • Puppies Get In Trouble. Bernese Mountain Dogs puppies will eat, chew and lick pretty much anything. They are more prone to suffer from accidents and bacteria, virus infection.
  • Puppy Vet Bills. When you get a puppy for the first time, there are a lot of expenses associated with rasing a puppy. From toys, food to vet-related expenses. In fact, 81% of pet parents spend up to $500 on vet visits in the first year of having a puppy. While, the upfront costs for first-year pet ownership typically cost over $1,000 says the ASPCA.

Types of Pet Insurance Coverage

What does pet insurance cover? It depends on your plan. There are two main types of pet insurance plans.

Accident Plans: Covers accident-related medical care such as ingestion of foreign objects, poisoning, or if your Bernese Mountain Dog was hit by a car.

Illness Plans: Coves unexpected sickness, disease, and any changes to your dog’s normal healthy state (i.e., allergies and cancer)

You can sign up for 1 or 2 (or both), but this will mostly depend on your Bernese Mountain Dog needs and finances. Most pet insurance companies nowadays offer a single plan that includes accident and illness.

In addition to that, pet insurance providers also offer wellness plans, also known as “routine” or “preventative.” care plans. It covers most routine vet visits, such as vaccinations. A wellness plan is not pet insurance.

Take a look at the table below to see the most common items covered by each type of pet insurance plan.

Accident CoverageIllness CoverageWellness Coverage
Broken bonesObesityFlea, tick and worm treatments
Torn ligamentsUTIsRabies
Bite woundsCancerMicrochip
InjuriesDigestive Issues
teeth cleaning
Routine testing
Eye InjuriesVomiting and diarrheaAnnual exams
Snake BiteArthritisSpay and neuter
Toxin food ingestionParasitesUrinalysis (ERD)

*i. Not all pet insurance companies offer wellness plans. ii. Coverage items will depend and vary depending on the company and plan you choose.

What Does Pet Insurance Not Cover?

A pet insurance policy doesn’t cover everything.

It’s important to carefully review the different Bernese Mountain Dog insurance plans to determine what’s covered and what’s not.

Most pet insurance policies exclude the following:

  • Grooming
  • Pre-existing conditions
  • Unrelated veterinary services
  • Behavioral training, therapy or treatment 
  • Breeding and pregnancy
  • Dog food or dietary or nutritional supplements
  • Boarding and transportation

This exclusion will vary depending on which pet insurance company and plan you choose.

Pro Tip: Please always READ your policy! Request the full list of exclusions before getting pet insurance. This will ensure your Bernese Mountain Dog is fully covered by the plan you pick and help you avoid running into surprises down the road.

How Do I Pick The Right Dog Insurance For My Bernese Mountain Dog?

Here are eight tips to help you choose the best pet insurance policy for your Bernese Mountain Dog.

  1. Compare the coverage under each plan with your Bernese Mountain Dog’s specific health concerns.
  2. Research what illnesses are prevalent in your dog’s breed and pick your plan accordingly (Use our table above for the most common Bernese Mountain Dogs health issues).
  3. Speak with your veterinarian about your dog’s aging health concerns.
  4. Pick a plan based on the right cost and coverage benefits, not price alone.
  5. Obtain at least three quotes based on the information you provide about your Bernese Mountain Dog’s age, health, gender, and needs.
  6. The earlier you sign your Bernese Mountain Dog for pet insurance, typically means lower the monthly premiums 
  7. Evaluate and pick the monthly premium, deductibles, and reimbursement amount that best fits your needs.
  8. Narrow down your choices with our recommended top 3 providers.

Should I Get Bernese Mountain Dog Pet Insurance?

Bernese Mountain Dog pet insurance can be a great way to protect your furry friend from expensive vet bills, but it’s important to research and find the best policy for your needs. We recommend you insure your dog as young as possible.

We hope this article has helped you understand the basics of pet insurance and given you some ideas about what to look for when shopping around for coverage.

Resources & References: [1] USA Today, [2] Value Penguin, [3] Washington Post [4] Healthy Paws Report

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Editorial Team at Canine Bible | + posts

Canine Bible authorship represents the unified voice of our entire editorial team rather than a single author. Each article, blog post, and review published under the Canine Bible name undergoes a rigorous review process, involving all team members to guarantee accuracy and up-to-date in accordance with the latest veterinarian research. This collaborative effort is an integral part of our editorial process and aligns with our four pillars of content creation. This approach ensures our content is backed by expert knowledge and factual information, offering our readers reliable, actionable, and trustworthy content.

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