Best Pet Insurance For Newfoundlands: Ultimate Guide
Canine Bible is reader-supported. We receive affiliate commissions via some of our links. This doesn’t affect rankings. Learn more.
Pet insurance is essential for all pet owners because it provides peace of mind in the event of an unexpected illness or injury. Given the numerous options available, selecting the best pet insurance for your Newfoundland can be difficult. This article will provide a concise overview of the best pet insurance options for Newfoundlands, considering factors such as coverage options, pricing, and customer reviews. With the right insurance, you can ensure that your furry companion receives the necessary care, no matter what life throws at them.
Best Newfoundlands Pet Insurance — At A Glance
Best Overall
Best Personalized
Spot
Offers the most
customizable plans for your budget
and specific needs of your Newfoundland.
Best No-Cap Payouts
Healthy Paws
Great for covering major
medical or ongoing expenses.
Beneficial for high-risk breeds.
Why you should trust us: Our writers, editors, and in-house veterinarians spend hours analyzing and reviewing products and services to help find what’s best for you. Read the product review methodology and editorial mission to determine how we test, analyze, and rate.
What Is Newfoundland Pet Insurance?
Pet insurance is a healthcare policy that provides coverage for your pet and reimburses 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.
How Much Does Pet Insurance Cost For Newfoundlands?
The cost of pet insurance for a Newfoundland 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 Newfoundland is quoted at $55 per month, this rate is not fixed and could change.
According to our research, plans for Newfoundlands can range from $49 to $96. You may spend more or less depending on where you live, the deductible rate and the reimbursement percentage you choose. Newfoundland owners can expect to pay an average $79 monthly premium.
The monthly premium for Newfoundlands pet insurance
$49 to $96
Pet Insurance Quotes For Newfoundlands
We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different life stages in Newfoundlands.
| Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
|---|---|---|---|---|---|---|---|---|
| Lemonade | $500 | 70% | $100,000 | $83.16 | SC, 29044 | Male | Newfoundland | 6 years |
| Spot | $500 | 70% | Unlimited | $79.16 | SC, 29044 | Male | Newfoundland | 6 years |
| Healthy Paws | $500 | 70% | Unlimited | $96.50 | SC, 29044 | Male | Newfoundland | 6 years |
| Lemonade | $500 | 70% | $100,000 | $69.99 | CA, 95842 | Female | Newfoundland | 2 year |
| Spot | $500 | 70% | Unlimited | $85.32 | CA, 95842 | Female | Newfoundland | 2 year |
| Healthy Paws | $500 | 70% | Unlimited | $78.89 | CA, 95842 | Female | Newfoundland | 2 year |
| Lemonade | $500 | 70% | $100,000 | $49.47 | TX, 75219 | Female | Newfoundland | 6 months |
| Spot | $500 | 70% | Unlimited | $85.64 | TX, 75219 | Female | Newfoundland | 6 months |
| Healthy Paws | $500 | 70% | Unlimited | $85.52 | TX, 75219 | Female | Newfoundland | 6 months |
Newfoundland puppy monthly cost: $74
Adult Newfoundland monthly cost: $78
Senior Newfoundland monthly cost: $86
Is Pet Insurance For Newfoundland Worth it?
The decision to purchase pet insurance for your Newfoundland hinges on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.
Consider a scenario where your Newfoundland 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 Newfoundlands, like Hip Dysplasia, can cost between $1,500 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 Newfoundland 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 Newfoundland’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 Newfoundland’s potential future health issues and risks, you can take preventive action today and ensure that your Newfoundland 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]
4 out 1000
Newfoundland could develop atopic dermatitis.[4]
9.7%
of Newfoundland could suffer from subaortic stenosis.[5]
Under pet insurance coverage, dogs that develop chronic conditions are guaranteed reimbursement for these issues for the duration of their lives. 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 rack up costs throughout your Newfoundland’s life. Pet Insurance can spare you a lot of financial trouble.
How Pet Insurance Helps With Newfoundland Common Health Conditions
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 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 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 entropion
Entropion in Newfoundlands is when the eyelid rolls inward, causing the eyelashes to rub against the cornea. This results in discomfort, tearing, and potential corneal damage. It’s often inherited but can 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 hip dysplasia
Hip dysplasia involves abnormal hip joint development, 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 heart valve malformation
In Newfoundlands, heart valve malformation, primarily affecting the mitral valve, leads to improper blood flow and heart enlargement. This congenital defect can progress to heart failure. Symptoms include coughing and fatigue. Diagnosis involves echocardiograms, with treatments ranging from medication for mild cases to surgery for severe conditions.
*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 elbow dysplasia
A common issue in large breeds, elbow dysplasia in Newfoundlands stems from abnormal development of the elbow joint, leading to joint laxity, pain, and lameness. Genetics plays a significant role, and it can be exacerbated by rapid growth during puppyhood or improper nutrition.
*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 Newfoundlands?
Here is how it benefits the pet owner and pet.
Benefits For Newfoundlands
- Access to better care and health outcomes due to financial barriers removed
- Cover hereditary conditions and get better breed-specific care
- Prompt access to medical treatments
- Ongoing access to healthcare and emergency care
- Preventive care options
- Facilitates treatment from specialists
Benefits For Owners
- Decreases the likelihood of economic euthanasia when the cost is a limiting factor for treatment
- Reduces unexpected veterinary costs
- Financial peace of mind
- Cover third-party liabilities
- Avoid veterinary rising cost
- Can help you find your missing/stolen pet
How to Pick The Best Newfoundland Pet Insurance
Best Pet Insurance For Newfoundlands
1. Best Overall Newfoundland Pet Insurance
Lemonade
Who It’s For: It is excellent for Newfoundland parents seeking the best all-around comprehensive coverage for accidents and illness at a value price.
Deductible: $100, $250, $500 or $750
Reimbursement rates: 70%, 80% or 90%
Annual payout limit: $5K, $10K, $20K, $50K or $100K
Why we recommended it: We named Lemonade our best overall pet insurance for Newfoundlands 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 Newfoundland at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $49 and $83 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 Newfoundland Pet Insurance
Spot Insurance
Who It’s For: Spot Pet Insurance is ideal for Newfoundland dog owners who want the most flexibility when customizing their policy to fit their budget and coverage needs.
Deductible: $100, $250, $500, $750 or $1,000
Reimbursement rates: 70%, 80% or 90%
Annual payout limit: $2,500 to Unlimited
Why we recommended it: 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 Newfoundland 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 Newfoundland at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $79 and $86, but prices may vary depending on your location, Newfoundland’s age, and other factors. Spot covers you when your Newfoundland gets hurt unexpectedly, from tooth extractions and torn ligaments to surgery and hospitalizations.
3. Best No-Cap Payout Newfoundland 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 Newfoundland.
Deductible: $100, $250 or $500
Reimbursement rates: 70%, 80% or 90%
Annual payout limit: Unlimited
Why we recommended it: 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 Newfoundland at a $500 deductible with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $79 and $96. 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 Newfoundlands
There are two main types of pet insurance plans.
What Does Pet Insurance Not Cover?
When choosing pet insurance for your Newfoundland, 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 Newfoundland is adequately covered by the plan you select and help prevent surprises in the future.
Pet Insurance For Newfoundland Puppies
Here are the top reasons you should consider Newfoundland puppy insurance.
Average Cost of Newfoundland 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 Newfoundland 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 Newfoundlands 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 Newfoundland Pet Insurance Work?
Imagine your Newfoundland’s pet insurance policy has the following terms:
Now, let’s say your Newfoundland 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 $1,000 for this claim, the remaining yearly payout limit is $20,000 – $1,000 = $19,000.
Frequently Asked Question
Newfoundlands Pet Insurance — Conclusion
Finally, pet insurance is a wise investment for Newfoundland owners, as it provides peace of mind in the event of unexpected medical expenses. Whether or not to insure your Newfoundland is a personal decision that is ultimately determined by your circumstances and priorities.
To establish which plan is best for your pet, you should thoroughly research different insurance options and compare coverage, pricing, and customer reviews. With the right insurance, you can ensure that your Newfoundland receives the necessary care, no matter what life throws at them.
xXXXX [ENTER VET HTML CODE]Like It? Subscribe & Share!
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.
- The Kennel Club. (2018). Breed health and conservation plan: Newfoundland.
- Genetic evidence of subaortic stenosis in the Newfoundland dog. Journal of Veterinary Internal Medicine, 20(3), 537-542.
- 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.
Dr. Aukse is our in-house Lead Senior Veterinarian. Dr. Aukse is a dedicated and skilled DVM Surgeon renowned for her expertise in small/companion animal surgery and medicine. With a robust academic background and extensive hands-on experience, she ensures her patients receive the highest standard of care. Dr. Aukse is happy to share her knowledge and expertise with our readers.
Dr. Caraite's career experience as a DVM Veterinary Surgeon spans over seven years, marked by comprehensive learning from esteemed institutions and substantial experience in veterinary clinics. She is currently employed at a family-run, day-opening clinic in central Gothenburg, Sweden, where she performs surgery daily and manages a large patient base for both surgical and outpatient care. Her externship at North Carolina State University’s College of Veterinary Medicine, with a focus on soft tissue and oncology service, has further honed her skills, equipping her with the essential knowledge and proficiency to excel in her field.
Dr. Aukse holds a Master’s in Veterinary Medicine (DVM) from the Lithuanian University of Health Sciences (2017) and has completed an externship in Soft Tissue and Oncology Service at NC State (2018-2023). She is also has a Master’s in Small Animal Surgery with a specialization in Dog and Cat Surgery from the University of Copenhagen.
