Best Pet Insurance For Mastiffs
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Mastiffs are one of the world’s largest and most powerful dog breeds. As a result, they require a lot of exercise and plenty of space to roam. They can also be quite expensive to care for, so it’s important to have pet insurance for mastiffs. In this article, we’ll compare the cost of different pet insurance plans for mastiffs and provide quotes from some of the top providers. We’ll also highlight some key features you should look for when shopping for coverage. Let’s get started!
Best Mastiffs Pet Insurance — At A Glance
Best Overall
Best Personalized
Spot
Offers the most
customizable plans for your budget
and specific needs of your Mastiff
Best No-Cap Payouts
Healthy Paws
Great for covering major
medical or ongoing expenses.
Beneficial for high-risk breeds.
What Is Mastiff 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.
The monthly premium for Mastiff pet insurance
$40 to $133
How Much Does Pet Insurance Cost For Mastiffs?
The cost of pet insurance for a Mastiff 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 Mastiff is quoted at $55 per month, this rate is not fixed and could change.
According to our research, plans for Mastiffs can range from $40 to $133. You may spend more or less depending on where you live, the deductible rate and the reimbursement percentage you choose. Mastiff owners can expect to pay an average $98 monthly premium.
Pet Insurance Quotes For Mastiffs
We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different life stages in Mastiffs.
| Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
|---|---|---|---|---|---|---|---|---|
| Lemonade | $500 | 70% | $100,000 | $89.86 | SC, 29044 | Male | Mastiff | 6 years |
| Spot | $500 | 70% | Unlimited | $101.51 | SC, 29044 | Male | Mastiff | 6 years |
| Healthy Paws | $500 | 70% | Unlimited | $132.90 | SC, 29044 | Male | Mastiff | 6 years |
| Lemonade | $500 | 70% | $100,000 | $75.76 | CA, 95842 | Female | Mastiff | 2 year |
| Spot | $500 | 70% | Unlimited | $102.01 | CA, 95842 | Female | Mastiff | 2 year |
| Healthy Paws | $500 | 70% | Unlimited | $108.71 | CA, 95842 | Female | Mastiff | 2 year |
| Lemonade | $500 | 70% | $100,000 | $39.73 | TX, 75219 | Female | Mastiff | 6 months |
| Spot | $500 | 70% | Unlimited | $109.81 | TX, 75219 | Female | Mastiff | 6 months |
| Healthy Paws | $500 | 70% | Unlimited | $117.70 | TX, 75219 | Female | Mastiff | 6 months |
Mastiff puppy monthly cost: $89
Adult Mastiff monthly cost: $95
Senior Mastiff monthly cost: $108
Is Pet Insurance For Mastiffs Worth it?
The decision to purchase pet insurance for your Mastiff hinges on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.
Consider a scenario where your Mastiff 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 Mastiffs, like Bloat, can cost between $1,500 and $7,000 to diagnose and treat. Can you pay for an unexpected $7,000 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 Mastiff 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 Mastiff’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 Mastiff’s potential future health issues and risks, you can take preventive action today and ensure that your Mastiff 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]
50%
of Mastiff have cancer present in them.
37%
of older age Mastiffs have a high incidence of Lymphoma.[4]
Dogs that develop chronic conditions under pet insurance coverage are guaranteed reimbursement for these issues for the duration of their life. 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 Mastiff’s life. Pet Insurance can spare you a lot of financial trouble.
How Pet Insurance Helps With Common Health Conditions In Pomeranians
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 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 pulmonic stenosis
Pulmonic stenosis in Mastiffs is a heart condition characterized by the narrowing of the pulmonary artery. This narrowing impedes blood flow from the heart to the lungs, leading to potential heart failure. Pulmonic stenosis requires veterinary diagnosis and appropriate treatment for the dog’s well-being.
*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 Mastiffs is a condition in which 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, though it 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 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 bone inflammation
Bone inflammation, often referred to as osteitis, results from infections or immune responses, causing pain and swelling in affected bones. Young, rapidly growing dogs are particularly susceptible, with long bones frequently targeted.
*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 epilepsy
Epilepsy in Mastiffs is a neurological condition characterized by recurrent seizures, which can range from mild, barely noticeable episodes to severe convulsions. The cause is often genetic, making it a hereditary issue within the breed. Managing epilepsy typically involves long-term medication to control seizures and regular veterinary monitoring.
*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 Mastiffs stems from abnormal development of the elbow joint, leading to joint laxity, pain, and lameness. Genetics play 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 Mastiffs?
Benefits For Mastiffs
Benefits For Owners
How to Pick The Best Mastiff Pet Insurance
Best Pet Insurance For Mastiffs
1. Best Overall Mastiff Pet Insurance
Lemonade
Who It’s For: Excellent for Mastiff parents seeking the best all-around comprehensive coverage for accidents & 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 picked and recommended it: We named Lemonade our best overall pet insurance for Mastiffs 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 Mastiff at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $40 and $90 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 Mastiff Pet Insurance
Spot Insurance
Who It’s For: Spot Pet Insurance is ideal for Mastiff 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 picked and 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 Mastiff 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 Mastiff at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $101 and $110, but prices may vary depending on your location, Mastiff’s age, and other factors. Spot covers you when your Mastiff gets hurt unexpectedly, from tooth extractions and torn ligaments to surgery and hospitalizations.
3. Best No-Cap Payout Mastiff 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 Mastiff.
Deductible: $100, $250 or $500
Reimbursement rates: 70%, 80% or 90%
Annual payout limit: Unlimited
Why we picked and 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 Mastiff at a $500 deductible with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $109 and $133. 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 Mastiff
There are two main types of pet insurance plans.
What Does Pet Insurance Not Cover?
When choosing pet insurance for your Mastiff, 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 Mastiff is adequately covered by the plan you select and help prevent surprises in the future.
Pet Insurance For Mastiff Puppies
Here are the top reasons you should consider Mastiff puppy insurance.
Average Cost of Mastiff 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 Mastiff 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 Mastiffs 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 Mastiff Pet Insurance Work?
Imagine your Mastiff’s pet insurance policy has the following terms:
Now, let’s say your Mastiff incurs a veterinary bill of $2,000 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 $1,620 for this claim, the remaining yearly payout limit is $10,000 – $1,620 = $8,380.
Frequently Asked Question
Mastiffs Pet Insurance — Conclusion
If you are still on the fence about whether or not to purchase pet insurance for your Mastiff, let us provide a few final thoughts that may help you decide. First and foremost, pet insurance is an investment, and like any other type of insurance, it protects you from unexpected costs. Second, ask yourself how much money you could lose if something happened to your Mastiff and he needed expensive veterinary care. Finally, consider the peace of mind that comes with knowing you have emergency coverage. We believe these are all excellent reasons to invest in mastiff pet insurance.
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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 essential 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.
- Bell, L., & Hesketh, S. (2021). Mastiff breed mortality: A study of owner experience, dog age and longevity. Veterinary and Animal Science, 13, 100194.
- 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.
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