Best Pet Insurance for Bernese Mountain Dogs (2023)

by | 1/23/2023

The Bernese Mountain Dog, affectionately known as the Berner, originated as a farm dog in Switzerland 2,000 years ago.

Over time, the breed developed into the good-natured, strong canines we know today. The AKC registered the first Bernese Mountain Dog in 1937, and the rest is history. Berners are now the 22nd most popular dog breed in the U.S.

If you’re thinking about buying Bernese Mountain Dog pet insurance for your furry friend, there are several things to consider. To help you kick-start your research, we’ve compiled information on Bernese Mountain Dog health issues, associated costs, and top pet insurance providers. 

In this article, we’ll go over:

  • Companies with the best Bernese Mountain Dog insurance
  • The importance of pet insurance for Bernese Mountain Dogs
  • Average costs of Bernese Mountain Dog insurance

Our Top 3 Picks for Bernese Mountain Dog Pet Insurance

Spot

Lemonade 

Embrace

Quote

Visit Site

Visit Site

Visit Site

Our Score

4.9/5

4.8/5

4.7/5

Deductible

$100 to $1,000

$100 to $500

$200 to $1,000

Average Monthly Cost for Bernese Mountain Dogs

$85

$30

$85

Multi-pet Discount

10%

5%

10%

Wellness Add-on

Yes

Yes

Yes

BBB Rating

A

F

A+

*We generated these quotes for a 1-year-old Bernese Mountain Dog with a $10,000 annual limit, $500 deductible, and 80% reimbursement rate.

Why Is Pet Insurance for Bernese Mountain Dogs Important?

Bernese Mountain Dogs – especially those from a breeder – have been selectively bred over time to look and behave a certain way. This is true for all purebred dog breeds.

Unfortunately, inbreeding creates genetic disorders and hereditary mutations that can cause health issues for your pup.

According to a 2014 study from Rutgers University, Bernese Mountain Dogs and other working dog breeds are at higher risk of developing costly health conditions like hip dysplasia and cardiomyopathy.

Here are some other common Bernese Mountain Dog health problems:

  • Aseptic meningitis
  • Gastric torsion (bloat)
  • Mast cell cancer
  • Inflammatory bowel disease
  • Histiocytic sarcoma
  • Cataracts
  • Degenerative myelopathy 
  • Elbow dysplasia
  • Hypothyroidism
  • Osteochondritis dissecans 
  • Progressive retinal atrophy
  • Subaortic stenosis
  • Von Willebrand’s Disease

These health problems can cause your buddy to suffer while also putting a dent in your savings. Pet health insurance is crucial because it can help curb the costs of some expensive veterinary services your Berner might need.

Injury/Illness

Estimated Expense

Hip dysplasia

  • $100-$300 per month for medical maintenance
  • $3,500-$7,000 per hip for surgery

Allergies

  • $250-$1,000 for testing
  • $150-$300 per month for symptom management

Cataracts

  • $3,000-$4,000 per eye for treatment

Hypothyroidism 

  • $150 per month for medical management
  • $200 per year for testing

Gastric torsion (bloat)

  • $3,000-$8,000 for gastropexy surgery and treatment
  • $800-$1,200 for preventive gastropexy surgery

Cancer 

  • $600-$10,000 depending on the type of cancer and required treatment

How Much Does Pet Insurance for Bernese Mountain Dogs Cost? 

The cost of your Bernese Mountain Dog’s pet insurance plan will vary depending on the dog’s age, location, and coverage rates. Your price will be higher if your dog is older or lives in a high-cost area.

You’ll also have higher monthly premiums if you select a high coverage plan.

For example, you’ll pay around $265 per month if you select a plan with an unlimited annual payout, a $100 deductible, and a 90% reimbursement rate for a 5-year-old Berner in New York City.

Luckily, most top pet insurance companies offer plan customization so that you can select more middle-tier cost and coverage options to fit your needs.

We chose a $5,000 annual limit, $250 deductible, and 80% reimbursement rate to generate the prices below. These coverage options yielded average monthly premiums for 2-year-old Bernese Mountain Dogs across the U.S.

State

Estimated Cost*

California

$65

Florida

$70

Indiana

$80

New York

$85

Best Pet Insurance for Bernese Mountain Dogs 

In the next section, we’ll go over some of the best pet insurance companies for Bernese Mountain Dogs. These companies offer customizable plans, costs, and add-on packages so that you can find a perfect option to suit your furry family member.

While you’re reading, look out for exclusions and plan limitations that could prevent you from getting optimal insurance. We’ll focus mainly on coverage features and exclusions to help you understand how these providers can benefit your Berner.

Spot Pet Insurance

Spot offers highly customizable plans that allow you to choose from various annual limits, deductibles, and reimbursement percentages to build a personalized policy for your Bernese Mountain Dog. 

You can choose from the following rates when building your pet’s Spot plan:

Annual payout limit – $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited.

Annual deductible – $100, $250, $500, $750, $1,000.

Reimbursement rate – 70%, 80%, 90%.

Spot doesn’t enforce upper age limits so that you can enroll your dog at any time during its lifespan.

Your pet insurance policy will cover unexpected accidents and illnesses. Spot will reimburse you for the additional items your Berner might need or develop:

What’s Covered

What’s Not Covered

  • Congenital conditions
  • Hereditary conditions
  • Behavioral issues
  • Prescription medications
  • Emergency veterinary care
  • Tooth extractions and dental injuries
  • X-rays, CT scans, and MRIs
  • Surgery and hospitalization
  • Chronic conditions

You can buy Spot’s Preventive Care package for coverage of:

 

  • Dental cleanings
  • Wellness checkups
  • Parasite tests and prevention
  • Vaccinations
  • Routine blood work and urinalysis
  • Deworming 
  • Health certificates

Pros and Cons

Pros:

  • No upper age limits
  • Highly customizable plans
  • Flexible pre-existing condition policy

Cons:

  • No prescription pet food coverage
  • Higher monthly premiums

Read our Spot pet insurance review for more information.

Lemonade Pet Insurance

Lemonade is one of the most affordable pet insurance options on the market, so you can protect your pet while saving money. Lemonade offers a bundle discount and multiple pet discount to make your pet’s plan more cost-effective.

You can mix and match the following rates to further customize your price:

Annual payout limit – $5,000, $10,000, $20,000, $50,000, $100,000. 

Annual deductible – $100, $250, $500.

Reimbursement rate – 70%, 80%, 90%.

No matter what price you settle on, Lemonade’s pet insurance plan reimburses costs associated with your Bernese Mountain Dog’s unexpected illnesses and injuries. 

The provider also covers many additional items your dog might need.

What’s Covered

What’s Not Covered

  • Congenital conditions
  • Genetic disorders
  • Diagnostic testing
  • X-rays, MRIs, ultrasounds, and CT scans
  • Surgery
  • Hospitalization
  • Emergency medical care
  • Specialty care
  • Prescription medications

You can purchase Lemonade’s add-on plans for coverage of:

 

  • Exam fees
  • Physical therapy
  • Preventive care and wellness items
  • Pre-existing conditions
  • Dental illness
  • Boarding costs
  • Breeding costs
  • Grooming 
  • Spay/neuter procedures for dogs over two

Pros and Cons

Pros:

  • Competitively affordable monthly premiums
  • Preventive care package for Bernese Mountain Dog puppies
  • Low deductible options

Cons:

  • No unlimited annual coverage option
  • Not available in all states

For more information, check out our Lemonade pet insurance review.

ASPCA Pet Insurance

ASPCA pet health insurance is another great option for Bernese Mountain Dog parents seeking customizable plans and low deductibles. 

You can mix and match the coverage rates below for a personalized monthly premium:

Annual benefit limit – $3,000, $4,000, $5,000, $7,000, $10,000. 

Annual deductible – $100, $250, $500.

Reimbursement percentage – 70%, 80%, 90%.

In addition to its adjustable rates, ASPCA covers many items your Berner might need, such as:

What’s Covered

What’s Not Covered

  • Diagnostic testing
  • Microchip implantation
  • Exam fees
  • Chemotherapy 
  • Hospitalization
  • Surgery
  • Emergency care
  • Hereditary conditions
  • Congenital conditions
  • Behavioral issues

You can buy ASPCA’s optional preventive care package for coverage of:

 

  • Health certificates
  • Deworming
  • Urinalysis
  • Routine blood tests
  • Wellness exams
  • Dental cleanings
  • Vaccinations
  • Parasite prevention and testing
  • Pre-existing conditions
  • Breeding costs
  • Boarding fees
  • Cosmetic procedures

Pros and Cons

Pros:

  • Low deductible options
  • Exam fees and microchips covered
  • Partner of the American Society for the Prevention of Cruelty to Animals

Cons:

  • Annual coverage capped at $10,000
  • Poor customer ratings

For more information, check out our ASPCA pet insurance review.


Embrace Pet Insurance

Embrace is a great option for pet parents seeking low deductibles. The provider offers plan customization with annual deductibles starting at $200. 

Every Embrace pet insurance policy also includes the exclusive Healthy Pet Deductible program, which reduces your deductible by $50 for every year you don’t submit a claim.

Here’s an overview of Embrace’s customizable coverage rates:

Annual benefit limit – $5,000, $8,000, $10,000, $15,000, $30,000. 

Annual deductible – $200, $300, $500, $750, $1,000.

Reimbursement rate – 70%, 80%, 90%.

With an Embrace accident/illness plan, your Berner will get coverage for important items like:

What’s Covered

What’s Not Covered

  • Unexpected injuries and illnesses
  • Chronic conditions
  • Physical therapy
  • Hospitalization and surgery
  • Dental injuries
  • Hereditary conditions
  • Allergy testing 
  • Scans
  • Diagnostic testing
  • Emergency care

Embrace’s optional Wellness Rewards packages cover items like:

 

  • Checkups
  • Grooming
  • Parasite prevention and testing
  • Vaccinations
  • Microchipping
  • Medicated shampoos and food
  • Alternative therapies
  • Training classes
  • Pre-existing conditions
  • Elective procedures
  • Breeding costs
  • Boarding costs

Pros and Cons

Pros:

  • Healthy Pet Deductible program
  • Wellness Rewards add-on for routine care
  • Flexible pre-existing condition policy

Cons:

  • No unlimited annual coverage option
  • Preventive care add-ons won’t save you much money

Read more in our Embrace pet insurance review.

Healthy Paws Pet Insurance

Healthy Paws is an excellent choice for a pet owner seeking a straightforward yet comprehensive plan for their pet’s unexpected vet bills. Every Healthy Paws plan comes with an unlimited per-item, annual, and lifetime payout, so you’ll never max out your coverage. 

We recommend enrolling your pet with Healthy Paws as early as possible because the provider limits coverage and plan customizability by age.

Unfortunately, Healthy Paws also limits coverage for some dog breeds, including purebred Bernese Mountain Dogs. We retrieved a sample quote and found that the only plan option for a 1-year-old Berner is a $500 annual deductible and 70% reimbursement rate.

Regardless of your dog’s breed or age, Healthy Paws offers the following coverage features and exclusions:

What’s Covered

What’s Not Covered

  • Diagnostic testing
  • Congenital conditions
  • Chronic conditions
  • X-rays, ultrasounds, and MRIs
  • Blood work
  • Surgery
  • Emergency care and hospitalization
  • Specialty care
  • Prescription medications
    • Pre-existing conditions
    • Spay/neuter procedures
    • Elective procedures
    • Preventive care
    • Wellness services
    • Boarding and breeding costs
  • Office and exam fees 

Healthy Paws doesn’t offer any preventive care plans or additional coverage. You’ll just get reimbursements for costs associated with your dog’s unexpected accidents and illnesses.

Pros and Cons

Pros:

  • Unlimited lifetime payout on all plans
  • Hereditary condition coverage
  • Dedication to animal welfare

Cons:

  • No preventive care packages
  • Plan customizability limited by age

Find out more in our Healthy Paws pet insurance review.

Is Pet Insurance for Bernese Mountain Dogs Worth it?

Pet insurance for Bernese Mountain Dogs is worth it if you need help budgeting for unplanned veterinary bills. 

Although your monthly premiums might be higher for a Berner – due to the breed and health risks – your pet insurance policy would likely pay for itself after just one veterinary emergency.

For example, if you pay $80 a month for your dog’s accident/illness plan, that’s $960 in yearly premiums. Let’s say your dog develops hypothyroidism and requires monthly medication and testing that cost a total of $2,000 per year. With a pet insurance plan with an 80% reimbursement rate and a $250 deductible, you’ll get around $1,400 back for your pet’s treatment.

Keep in mind that example is just for one medical condition. If your Berner developed other health problems, you would save even more.

Final Thoughts

Now that you’ve read about top providers and plans on the market, you can find the best Bernese Mountain Dog pet insurance. Although Berners are a relatively expensive breed, pet insurance can help you make sound veterinary care decisions without worrying about costs.

You’ll have peace of mind knowing your pup is covered from its tri-colored head down to its fluffy white paws.

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.