Great Dane Pet Insurance: Best Plans, Cost & Is It Worth It?
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As a Great Dane owner, I’ve come to understand the immense joy and unique challenges of caring for one of the largest dog breeds in the world. Great Danes, often referred to as the “Apollo of Dogs,” are not only majestic in their stature but also have specific needs, particularly regarding their health. Due to their colossal size and genetic makeup, Great Danes are susceptible to various health issues that can be emotionally and financially taxing. Navigating these challenges without the safety net of insurance can be overwhelming. Fortunately, dog insurance has been a viable way for me to protect my Great Dane’s safety and well-being while managing my finances effectively. In this guide, I will answer all your questions about Great Dane insurance, including essential information you need to know before choosing a provider. Let’s dive in!
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Best Great Danes Pet Insurance — At A Glance
Best Overall
Best Personalized
Best No-Cap Payouts
Healthy Paws
Great for covering major
medical or ongoing expenses.
Beneficial for high-risk breeds.
What Is Great Danes Pet Insurance: Pet insurance is a healthcare policy that provides coverage for your pet, offering reimbursement for specific veterinary expenses. This ensures that your savings remain secure despite unforeseen medical costs. Such a policy involves a monthly premium. Should your pet fall ill or sustain an injury, you would file a claim with the insurance company to recoup your expenses.
The monthly premium for Great Danes pet insurance
$38 to $98
How Much Does Pet Insurance Cost For Great Danes?
The insurance cost for a Great Dane dog will vary based on several factors, including the pet’s existing health conditions, sex, age, and the area you reside in. It’s important to remember that with the progression of veterinary technology and increased claims within your locality, your insurance premiums may rise. For example, even if your Great Dane is quoted at $70 per month, this rate is not fixed and could change.
According to our research, plans for Great Danes can range from $38 to $98. You may spend more or less depending on where you live, the deductible rate and the reimbursement percentage you choose. Great Danes dog owners can expect to pay an average $76 monthly premium.
Pet Insurance Quotes For Great Danes
We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different life stages in Great Danes.
| Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
|---|---|---|---|---|---|---|---|---|
| Lemonade | $500 | 70% | $100,000 | $69.54 | SC, 29044 | Male | Great Dane | 5 years |
| Spot | $500 | 70% | Unlimited | $78.84 | SC, 29044 | Male | Great Dane | 5 years |
| Healthy Paws | $500 | 70% | Unlimited | $79.94 | SC, 29044 | Male | Great Dane | 5 years |
| Lemonade | $500 | 70% | $100,000 | $67.80 | CA, 95842 | Female | Great Dane | 2 year |
| Spot | $500 | 70% | Unlimited | $91.98 | CA, 95842 | Female | Great Dane | 2 year |
| Healthy Paws | $500 | 70% | Unlimited | $78.89 | CA, 95842 | Female | Great Dane | 2 year |
| Lemonade | $500 | 70% | $100,000 | $37.80 | TX, 75219 | Female | Great Dane | 6 months |
| Spot | $500 | 70% | Unlimited | $98.44 | TX, 75219 | Female | Great Dane | 6 months |
| Healthy Paws | $500 | 70% | Unlimited | $85.52 | TX, 75219 | Female | Great Dane | 6 months |
Great Danes puppy monthly cost: $73.92
Adult Great Dane monthly cost: $79.56
Senior Great Dane monthly cost: $76.11
Is Pet Insurance For Great Danes Worth it?
The decision to purchase pet insurance for your Great Dane hinges on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.
Consider a scenario where your Great Dane falls seriously ill or suffers an injury from an accident, incurring veterinary bills in the thousands. On average, the most common dog treatments cost $254.[1] A more severe and common condition in Great Dane, like aortic stenosis, can cost between $3,000 and $6,000 to diagnose and treat. Can you pay for an unexpected $6,000 veterinary bill out-of-pocket? Most people can’t. The Federal Reserve states that 40% of Americans don’t have enough savings to cover a $400 emergency and 57% of U.S. adults cannot afford a $1,000 emergency expense.[2]
Investing in pet insurance for your Great Dane is a wise choice to protect your finances and ensure your dog can receive the necessary care. With pet insurance, should an unexpected accident or illness occur, you could be reimbursed for 70% to 100% of the veterinary costs, depending on the details of your plan and provider. Pet insurance gives peace of mind, knowing your finances and pet’s health are covered.
Predict & Protect Your Great Dane’s Future Health
Canine Bible uses years of clinical health findings, pet insurance data points, trends, and surveys to identify common health conditions in dogs. By gaining insight into your Great Dane’s potential future health issues and risks, you can take preventive action today and ensure that your Great Dane does not become a part of these statistics.
1 in 3
dogs will need emergency veterinary treatment every year.
$250 to $8K
is the average cost of unexpected veterinary care for dogs.[3]
720
Great Dane dog parents seek health advice every month.
13%
of Great Danes’ deaths are caused by Gastric Dilatation.[4]
If you know your dog’s breed is predisposed to certain health issues, we strongly advise getting a pet insurance policy while your dog is still healthy. Chronic health conditions, emergencies, and vet visits can increase costs throughout your Great Dane’s life. Pet Insurance can spare you a lot of financial trouble.
Dogs that develop chronic conditions under pet insurance coverage are guaranteed reimbursement for these issues for the duration of their life.Most Common Health Conditions In Great Danes
Cost to treat bloat
Bloat also known as gastric dilatation-volvulus, is a rapid stomach expansion with gas and often a twist, obstructing blood flow. It’s a life-threatening emergency causing distress, drooling, and a swollen belly.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat cardiomyopathy
Cardiomyopathy in dogs refers to heart muscle diseases impairing the heart’s ability to pump blood effectively. This condition can lead to heart enlargement, diminished cardiac function, and ultimately heart failure.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat cardiomyopathy
Cancer in dogs is the abnormal growth of cells in their body, often leading to tumors. It can affect any organ, showing varied symptoms, and requires veterinary diagnosis and treatment.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat aortic stenosis
Aortic stenosis in Great Danes dogs is a heart condition where the aortic valve narrows, hindering blood flow from the heart. It can cause fatigue, fainting, and heart murmurs.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat hypothyroidism
Hypothyroidism is a condition where the thyroid gland underproduces hormones, leading to symptoms like lethargy, weight gain, skin issues, and fur thinning. It’s commonly treated with hormone replacement therapy.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat wobbler syndrome
Wobbler Syndrome is a neurological disorder affecting the spine in the neck region, leading to uncoordinated movement and neck pain. It’s caused by a combination of genetic predisposition, malformation of neck vertebrae, or spinal cord compression.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat hip dysplasia
Hip dysplasia involves abnormal development of the hip joint, leading to looseness and instability. This genetic disorder is exacerbated by rapid growth, obesity, and environmental factors. Symptoms include limping, difficulty in movement, and arthritis.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat hypertrophic osteodystrophy
Hypertrophic Osteodystrophy in Great Danes is a bone disease affecting rapidly growing large breed puppies. It causes pain, swelling in limbs, and fever. The cause is unknown, but it’s linked to diet and genetics.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat osteochondrosis of the shoulder
Osteochondrosis in the shoulder of Great Danes results from the disruption of normal cartilage growth, leading to joint inflammation and lameness. This typically occurs during rapid growth phases in young dogs, influenced by genetic and dietary factors.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat cataracts
Cataracts in Great Danes result in the lens of the eye becoming opaque, significantly impairing vision. Often hereditary, they can also arise from aging, diabetes, or eye injuries. Initially, cataracts may cause slight visual disturbances but can progress to blindness. Surgical removal is the primary treatment to improve sight.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat entropion
Entropion in Great Danes is a condition where the eyelid rolls inward, causing eyelashes to rub against the cornea. This results in discomfort, tearing, and potential corneal damage. It’s often inherited, though can also arise from eyelid injuries or muscular spasms. Treatment typically involves surgical correction.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat myotonia
It is a rare neuromuscular disorder characterized by delayed muscle relaxation after contraction. It’s caused by a genetic mutation affecting chloride channels in muscle cells. Symptoms include muscle stiffness, especially after rest, and difficulty in rising. Myotonia can be managed with medication and supportive care but has no cure.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Why Get Pet Insurance For Great Danes?
Benefits For Great Danes
Benefits For Owners
How to Pick The Best Great Danes Pet Insurance
Best Pet Insurance For Great Danes
1. Best Overall Great Dane Pet Insurance
Lemonade
Who It’s For: Excellent for Great Danes parents seeking the best all-around comprehensive coverage for accidents & illness at a value price.
Why we picked and recommended it: We named Lemonade our best overall pet insurance for Great Danes for its comprehensive coverage, pricing, availability, and customer service. Lemonade premiums usually start at just $10 monthly, the lowest in the industry. We ran a few quotes for a healthy Great Dane at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $38 and $69 monthly. We love that Lemonade is tech-forward, making it easy to manage your policy and file claims through an app. Their plans cover accidents and illnesses, including injuries, poisonings, broken bones, sprains, infections, general sicknesses, cancer, heart disease, hip dysplasia, hernias, skin conditions and more. They also offer several add-ons to help pet owners pay for exam fees, physical therapy, and preventive care.
2. Best Personalized Great Dane Pet Insurance
Spot
Who It’s For: Spot Pet Insurance is ideal for Great Danes dog owners who want the most flexibility when customizing their policy to fit their budget and coverage needs.
What sets it apart from competitors: Spot Pet Insurance offers seven annual limit options, three reimbursement levels, and five annual deductibles. They offer the lowest deductible in the industry ($100), meaning that when your Great Dane gets sick, you pay less upfront before your plan starts paying. With so many customization options, this company is our top pick for finding a plan for meeting your specific financial needs and those of your pet. Spot’s policies also cover some items, such as exam fees and microchipping, that many other pet insurance providers don’t offer. They also have one of the cheapest plans for accident-only coverage, making it perfect for pet owners who only need minimal coverage. We ran a few quotes for a healthy Great Dane at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $79 and $98, but prices may vary depending on your location, Great Dane’s age, and other factors. Spot covers you when your Great Dane gets hurt unexpectedly, from tooth extractions and torn ligaments to surgery and hospitalizations.
3. Best No-Cap Payout Great Dane Pet Insurance
Healthy Paws
Who It’s For: With no financial cap, it’s ideal for covering major medical or ongoing expenses such as chronic conditions. Beneficial for high-risk breeds such as Great Danes.
What sets it apart from competitors: Healthy Paws offers the benefit of no cap payout, meaning there’s no maximum limit on the amount they will pay, which is particularly advantageous for severe conditions or chronic diseases that require ongoing, expensive treatments. With no financial cap, you can choose the best treatments for your pet. This can include access to advanced medical procedures, specialized surgeries, or cutting-edge treatments that might otherwise be prohibitively expensive. Additionally, Healthy Paws stands out for its quick claim processing, typically paying 99% of claims in two days, notably faster than many competitors. We ran a quote for a healthy Great Dane at a $500 deductible with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $80 and $85. Healthy Paws insurance plans cover accidents and illnesses, cancer, emergency care, genetic conditions, alternative care, etc. They have competitive premium prices and fewer coverage exclusions.
Types of Pet Insurance Coverage For Great Danes
There are two main types of pet insurance plans.
What Does Pet Insurance Not Cover?
When choosing pet insurance for your Great Dane, reviewing and understanding your policy’s exclusions is important.
Exclusions vary based on the pet insurance company and the policy you choose. Be sure to review the list of exclusions before purchasing pet insurance to confirm that your Great Dane is adequately covered by the plan you select and help prevent surprises in the future.
Pet Insurance For Great Danes Puppies
Should you get pet insurance for your Great Dane puppy? Here are the top reasons you should consider Great Dane puppy insurance.
Average Cost of Great Danes Vet Bills
This is what you will pay out-of-pocket on average if you don’t have pet insurance or a wellness plan.
Average Cost of Typical Vet Procedures
| Typical Vet Procedure | Average Cost of Procedure |
|---|---|
| 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 |
Average Cost of Emergency Vet Procedures
| Typical Vet Procedure | Average Cost Of Procedure |
|---|---|
| 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 days holspitalization | $1,500 - $3,500 |
| Wound treatment & repair | $800 - $1,500 |
| Emergency surgery | $800 - $2,500 |
| Oxygen therapy | 500 |
Sources: 5 & 6
Factors That Impact the Cost of Your Great Dane Pet Insurance Policy
Deductibles, co-pays & coverage limits
The lower the amount you pay out of pocket for your pet’s care, the higher your insurance premium will be. For instance, selecting a deductible of $300 instead of $800 means you’ll get reimbursed quicker for your pet’s care, but it also leads to higher premium payments.
Breed
Certain breeds are prone to congenital health issues. For example, breeds such as Great Danes often struggle with Cancer and bloat. These breed tendencies could influence your pet insurance expenses.
Location
Local veterinary care expenses are taken into account by pet insurance companies when setting the price of your policy.
Pet’s Age
Older pets generally face more health problems, which results in higher insurance premiums because there is a higher risk for the insurance company.
Understand Insurance Policy Basics
How Does Great Dane Pet Insurance Work?
Imagine your Great Dane’s pet insurance policy has the following terms:
Now, let’s say your Great Dane incurs a veterinary bill of $1,500 for medical treatment.
This example assumes you haven’t yet met your deductible for the year. If you’ve already met your annual deductible, you won’t have to pay again for this or any new claims within the same policy year. And, since every claim you make contributes to your annual payout limit after the insurance company pays $700 for this claim, the remaining yearly payout limit is $15,000 – $700 = $14,300.
Frequently Asked Question
Great Danes Pet Insurance — Conclusion
Great Danes are incredible dogs, but a significant percentage of them face numerous health issues and require constant veterinary visits. This situation can become quite expensive, which is why we advise you to consider dog insurance for your giant friend.
In the event of a pet emergency or accident, you won’t have to choose between your Great Dane and your finances with pet insurance. Remember, your pet is part of your family and deserves protection. We hope this guide has helped you make the right pet insurance decision.
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Disclaimer: The details about insurance company offerings, including prices, availability, and contract specifics, can change at any time and are at the discretion of the insurance company. This website does not control these changes. The information provided here is for reference only. It is important to thoroughly read and understand your policy before signing up for a new insurance contract, as your situation may differ from the examples used in this article.
Sources
Canine Bible uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process and product review methodology to learn more about how we fact-check, test products, and keep our content accurate, reliable, and trustworthy.
- Breiner, B. (2023). Average Cost of Pet Insurance: 2023 Quotes. ValuePenguin.
- Gillespie, L. (2023, February 23). Bankrate’s Annual Emergency Fund Report. Bankrate.
- Healthy Paws Pet Insurance. (2019). 2019 Cost of Pet Health Care Report.
- Universities Federation for Animal Welfare. (n.d.). Great Dane – Gastric dilatation-volvulus syndrome. UFAW.
- Average Cost Of Emergency Vet Visits | Find Out What You Will Pay. (2020, March 19). Emergency Vets USA.
- Cost of Owning a Dog: From Initial Cost to Annual Essentials. (n.d.). The Dog People.
Canine Bible authorship represents the unified voice of our entire editorial team and our in-house veterinarians 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.
Dr. Sandra Tashkovska, our esteemed Senior In-House Veterinarian, is passionately committed to sharing her extensive knowledge and experience with our readers, aiming to assist with any issues concerning your non-human family members. A staunch advocate for animal welfare and preventive medicine, she specializes in companion animals, dedicating much of her time to these furry friends. Despite spending two days a week at a local veterinary practice, she aspires to make a broader impact by disseminating crucial information gleaned from her consultations and academic research through her writing.
In addition to her veterinary role, Dr. Tashkovska holds the position of Financial Manager and maintains active membership in the International Veterinary Students' Association (IVSA). Her unwavering commitment to her field and international collaboration shines through her active participation in Erasmus+ and CEEPUS projects, and her volunteer work in Erasmus training courses and Youth exchanges.
Her educational journey is both extensive and diverse. Dr. Tashkovska earned her Masters in Veterinary Medicine from the renowned Ss. Cyril and Methodius University in Skopje, Faculty of Veterinary Medicine, and furthered her education at Summer Schools in Sarajevo and Vienna, where she explored vital topics such as Animal Welfare, Veterinary Ethics and Law, and Communication Skills.
Her pursuit of excellence doesn’t end there. Dr. Tashkovska has actively engaged in numerous prestigious events and training, including the International Veterinary Medicine Student Scientific Research Congresses in Istanbul, the Congress of Veterinarians in Small Practice in Zagreb, and the Eastern European Regional Veterinary Conference, among others. These cumulative experiences continuously augment her professional insight, solidifying her position at the forefront of veterinary medicine.
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