Best Great Dane Pet Insurance Providers: Cost, Quotes & FAQs

great dane pet insurance

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This is the most comprehensive guide to finding the best pet insurance for Great Danes.

Great Danes (aka Apollo of Dogs) are known as one of the largest dog breeds in the world. Owning a Great Dane also means taking on some additional responsibility for their health due to their extra-large size and genetic susceptibility to health issues.

While Great Dane can be a great addition to any family, this breed is prone to many health issues. Fortunately, dog insurance is one way to ensure your dog’s safety and well-being while keeping your finance in check.

Here are your answers to all Great Dane insurance questions, including key things you need to know before choosing a provider. Keep reading!

The Best Pet Insurance Companies For Great Danes

Here are Canine Bible’s top 3 picks for the best pet insurance for Great Danes.

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 Great Dane.

  1. Healthy Paws: Best overall pet insurance for your Great Dane.
  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 Great Dane 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 Great Danes?

Great Dane’s dog 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 Great Dane is quoted at $45 per month today, that price is subject to change.

In order to help you find the best coverage and monthly premiums in terms of Great Dane insurance plans, we compared quotes from three popular pet insurance providers.

We chose three Great Danes at different stages in their life. An adult Great Dane (5 years old), a young Great Dane (1-year-old), and a puppy Great Dane (3 months old).


Check out this Pet Insurance Comparison table for Great Danes.

Pet Insurance Quotes For Great Danes

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50070%Unlimited$110.93San Diego
(zip code: 91945)
MaleGreat Dane5 years
Embrace$50070%$30,000$97.37San Diego
(zip code: 91945)
MaleGreat Dane5 years
Pets Best$50070%Unlimited$117.40San Diego
(zip code: 91945)
MaleGreat Dane5 years
Healthy Paws$50070%Unlimited$68.83Lincoln
(zip code: 68502)
FemaleGreat Dane1 year
Embrace$50070%$30,000$74.81Lincoln
(zip code: 68502)
FemaleGreat Dane1 year
Pets Best$50070%Unlimited$41.52Lincoln
(zip code: 68502)
FemaleGreat Dane1 year
Healthy Paws$50070%Unlimited$89.14Nashville
(zip code: 37027)
FemaleGreat Dane3 months
Embrace$50070%$30,000$102.58Nashville
(zip code: 37027)
FemaleGreat Dane3 months
Pets Best$50070%Unlimited$37.61Nashville
(zip code: 37027)
FemaleGreat Dane3 months

So, how much are you expected to pay for canine insurance for your Great Dane?

If you get Pet Insurance for your Great Dane, you can expect to pay between $38 to $117 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 February 2022.

Is Pet insurance For Great Danes Worth it?

In an unfortunate event, you may have to spend a great deal of money on your pet’s emergency vet visit, but if you get Great Dane insurance, depending on your plan, 70% to 90% of the vet bill will be reimbursed.

Here are three main reasons you should consider getting pet insurance for your Great Dane.

1. Avoid Deciding Between Your Wallet & Your Great Dane

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 Great Danes without worrying about financial difficulties.

On average, the most common dog treatments cost $252.75, while a more severe and common condition in Great Danes, like Wobbler syndrome, can cost ($2,500 – $7,000) 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 Great Danes numbers?

Well, according to the latest survey, there are roughly 90 million dogs in the U.S.3 So, unfortunately, 33% (1 in 3) of the Great Danes population may end up needing emergency care.

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 Great Danes

The following table shows the most common health conditions Great Danes are likely to develop. We also include the level of risk (susceptibility to each health condition) and how much you are expected to pay. This may change your mind about pet insurance after reading it.

ConditionRiskCost to Diagnose & Treat
Gastric Dilatation Volvulus (Bloat)High$1500 - $7500
CardiomyopathyHigh$500 - $1500
EntropionHigh$300 - $1500
Hip DisplasiaMedium$1500 - $6000
Hypertrophic OsteodystrophyHigh$200 - $1500
Aortic StenosisMedium$500 - $1500
MyotoniaLow$500 - $1500
Osteochondrosis of the ShoulderHigh$2000 - $4000
Lick GranulomaHigh$100 - $1000
Wobbler syndromeMedium$2500 - $7000
CataractsHigh$2700 - $4000
Enlargement of EsophagusHigh$2500 - $4000
Bone InflammationHighMedicine $30 - $100
Surgery $1500 - $2250
Plates, pins or screws surgery $500 additional
Amputation $400 - $900
Aortic StenosisMedium$3000 - $6000
HypothyroidismHighAround $850 per year
Heart Valve MalformationHigh$3000 - $10000
DermatitisMediumVarious
Gastric DilatationHigh$1500 - $7000
CancerMedium$8000 - $15000
Skin DiseaseHigh$500 - $2500

Data Source: Embrace, Lendelu and Wagwalking.

Other Reasons To Get Dog Insurance For Your Great Dane

  • 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 Great Dane can spare you a lot of financial trouble. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Great Dane’s life.


Best Pet Insurance For Great Danes

Listed below are Canine Bible’s top picks pet insurance companies for Great Danes.

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 Great Dane.

Healthy Paws (Best Overall)

Why is Healthy Paws a good choice for your Great Dane?

When you file a claim under a Healthy Paws insurance plan, there are no caps on payouts. 

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 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 $69 and $111.

With Healthy Paws, you can start protecting your Great Dane 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.


PROS
  • 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
CONS
  • 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 (Great For Curable Pre-Existing Conditions)

In the event your Great Dane suffers from a treatable pre-existing condition, Embrace Pet Insurance is the best option for you!

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 $75 and $102, but prices may vary depending on your location, Great Dane’s age, and other factors.

From tooth extractions to torn ligaments, Embrace has you covered when your Great Dane gets hurt unexpectedly. They can also cover Bone Inflammation treatment, which Great Danes 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 Great Dane’s annual deductible goes down to $50 each year you don’t receive an accident or illness claim reimbursement.


PROS
  • 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
CONS
  • $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.


Pets Best (Best Value)

Your Great Dane can get great coverage from Pets Best, at the best affordable price.

We ran a few quotes for a healthy Great Dane at a $xxx deductible and a 70%, 80%, and 90% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $38 and $117, 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 Great Dane 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.


PROS
  • 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
CONS
  • 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 Great Danes Vet Bills (Healthy Vet Visit vs Emergencies)

Whenever you consider vet bills, there are two things that come to mind: regular vet visit costs vs. emergency vet visits.

Based on the table below, you can get a good idea of how much you’ll pay for either type of visit when you don’t have pet insurance or a wellness plan.

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 Great Danes Puppy

Is it a good idea to get pet insurance for your Great Dane puppy? Let’s take a look at the top reasons you should consider insurance for Great Dane puppies.

  • 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. Almost anything is edible, chewable, and licked by Great Danes puppies. This makes them more prone to accidents and bacterial and viral infections.
  • 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.11 While, the upfront costs for first-year pet ownership typically cost over $1,000 says the ASPCA.

Types of Pet Insurance Coverage

What is covered by pet insurance? That depends on your plan. Pet insurance falls into two categories.

Accident Plans: Covers accident-related medical care such as ingestion of foreign objects, poisoning, or if your Great Dane 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 choose to sign up for one (or both), but it will mostly depend on your dog’s needs and your finances. Nowadays, most pet insurance companies offer a single plan encompassing accident and illness coverage, also referred to as comprehensive coverage.

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
PoisoningHypothyroidism
De-worming
InjuriesDigestive Issues
teeth cleaning
EmergenciesIVDD
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?

It’s not all covered by pet insurance!

Before selecting Pet Insurance for your Great Dane, you should carefully review the different plans to determine what is and isn’t covered.

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 Great Dane 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 Great Dane?

Here are eight tips to help you choose the best pet insurance policy for your Great Dane.

  1. Compare the coverage under each plan with your Great Dane’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 Great Danes 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 Great Dane’s age, health, gender, and needs.
  6. The earlier you sign your Great Dane 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 Great Dane Pet Insurance?

Great Danes are incredible dogs, but a significant percentage of them have a lot of health issues and need to vet visits constantly. That situation could be so expensive for you, and for that, we advise you to consider dog insurance for your giant friend.

If a pet emergency or accident strikes, you won’t have to choose between your Great Dane or your finances with pet insurance.

Remember, your pet is part of your family and needs to be protected. We hope that this guide helped you with the correct pet insurance decision.


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

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