Best Pet Insurance For Great Danes (2023)

by | 2/1/2023

Despite originating from Denmark as a boar hunting breed, modern Great Danes have incredibly docile personalities, hence why many refer to them as “gentle giants.” 

But, this breed’s massive size doesn’t come without trade-offs. As mighty as they may appear, Great Danes have an average lifespan of only 7 to 10 years, primarily due to congenital cardiovascular and orthopedic conditions. 

Vet costs for emergency injuries and illnesses are expensive as is, but for extra large dogs like Great Danes, you’ll likely be left with a running tab in the low-to-mid thousands. 

In this guide, we’ve evaluated the best pet insurance for Great Danes by answering the following questions:

  • Why is pet insurance for Great Danes important?
  • How much does pet insurance for Great Danes cost?
  • What are our top provider recommendations for Great Dane insurance?
  • Is pet insurance for Great Danes worth it?

Continue reading to learn more about the following pet insurance providers so that you can choose the best one for your needs:

 

Our Top 3 Picks for Great Dane 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 Great Danes

$30 to $50

$37

$30 to $40

Multi-pet Discount

10%

5%

10%

Wellness Add-on

Yes

Yes

Yes

BBB Rating

A

F

A+

Why Is Pet Insurance For Great Danes Important?

As one of the largest dog breeds in the world, a fully grown male Great Dane can measure up to 37 inches in height — about as tall as the average 3-year-old child — and weigh between 140 and 175 pounds. 

A Great Dane’s above-average proportions require its body to work much harder to support natural functions than any smaller breed. Dilated cardiomyopathy is one of several congenital heart issues often seen in Great Danes, which occurs when the heart becomes abnormally enlarged due to weakened pumping ability.

Because Great Danes experience rapid growth during puppyhood, they’re also at risk for some developmental issues. Hip dysplasia, hypertrophic osteodystrophy (HOD), wobbler syndrome, and osteoarthritis are common orthopedic complications in this breed.

Great Danes and other large dog breeds naturally incur expensive veterinary bills because they require higher doses of most medicines, whether those be routine vaccines, parasite prevention, prescription medications, etc.

By enrolling in the best pet health insurance plan for your Great Dane, you’ll be entitled to partial reimbursements on some of the following veterinary expenses: 

Injury/Illness

Estimated Expense

Gastric bloat

$1,500 to $7,500

Cardiomyopathy

$1,000+ per year for long-term maintenance

Hip dysplasia

$1,200 to $7,000 per hip

Osteoarthritis

$300 per year

Osteosarcoma

$10,000+ for combination therapy

Thyroid issues

$300 to $700 per year

Tricuspid valve disease (TVD)

$500+ per echocardiogram; $100+ per month for prescription medication

How Much Does Pet Insurance For Great Danes Cost?

On average, pet insurance for Great Danes costs around $60 per month. Still, that rate may fluctuate for you depending on local vet costs relative to your geographic location. 

Pet insurance premiums tend to vary based on regional costs of living throughout the country. If you live in an urban area with a higher population density, you’ll likely have to pay more per month for a pet insurance policy than someone living in a small, rural location.

To put that into perspective for you, we’ve generated a sampling of direct quotes for standard pet health insurance coverage in a few different states across the country:

State

Estimated Cost

California

$50.82

Florida

$58.48

Indiana

$62.99

New York

$58.92

*These quotes are based on standard accident/illness coverage with a $4,000 annual limit, an 80% reimbursement rate, and an annual deductible of $250 for an alias 2-year-old Great Dane living in the capital city of each featured state. Rates are subject to change at any time.  

Moreover, the older your dog is at sign-up, the more expensive your monthly premium will be because senior pets are more likely to need medical care. Therefore, they present a higher level of risk for your insurer. 

Unless you have a mixed breed, Great Danes will be a bit pricier to insure just because purebred dogs have increased incidences of congenital conditions, which are further exacerbated by health issues tied to their size.  

Best Pet Insurance for Great Danes 

We’ve outlined five leading dog insurance providers offering comprehensive yet cost-effective coverage for Great Danes. 

Spot for Great Danes

Spot offers accident-only and accident/illness plans for Great Danes at least 8 weeks old and over, with no upper age caps on senior dogs. By enrolling in any level of standard pet health insurance through Spot, you’ll be automatically covered for annual exam fees, microchip implantations, behavioral therapy, and alternative therapies like acupuncture and chiropractic care. 

Because Great Danes have higher incidences of inherited health problems, we most recommend Spot’s accident/illness coverage for owners with this breed. 

Under this policy, you’ll be reimbursed for expenses related to general injuries and illnesses, congenital conditions, emergency care, surgery, hospitalizations, medical imaging, chronic diseases (cancer, arthritis, diabetes, etc.), and more. 

Spot also offers an unlimited annual payout option, which means your coverage will never be capped, even for the most expensive vet bills. Spot doesn’t enforce any per-incident or lifetime maximums on its coverage. 

Pros and Cons 

Pros

  • Offers a 10% discount for pet owners who enroll more than one pet
  • 30-day money-back guarantee
  • Covers behavioral therapy, vet visit fees, and microchipping for all policyholders

Cons

  • Bilateral exclusions may apply
  • Slightly more expensive monthly premiums than competitors

Check out our full-length Spot pet insurance review to read more about this provider. 

Lemonade for Great Danes

Securing accident and illness coverage for your Great Dane is simple and affordable through Lemonade. As the first fully digital pet insurance provider on the market, Lemonade operates entirely out of its mobile app and online desktop portal. 

With monthly rates starting as low as $10 per month, Lemonade is the best option for Great Dane owners on budgets as it offers some of the lowest premiums industry-wide. If you’re looking to insure a Great Dane, expect to pay somewhere around $55 for standard Lemonade coverage. 

Lemonade’s base plan covers an exhaustive schedule of emergency medical services like diagnostic, inpatient and outpatient care, injections, prescription medication, etc. However, this provider won’t cover pre-existing conditions, dental illness care, spay/neuter for pets over the age of 2, or behavioral therapy. 

If you’re interested in beefing up your coverage, Lemonade offers three preventative care packages — two levels for adults and one for puppies under the age of two. You can also add vet visit fees or physical therapy coverage to your policy for an additional $1 to $3 per month.   

Pros and Cons

Pros

  • Only a 48-hour waiting period for accidents
  • Offers up to $100,000 in annual coverage benefits
  • Has a user-friendly mobile app and online portal for convenient plan management

Cons

  • Older Great Danes may be denied from enrollment based on breed-specific life expectancies
  • Currently only available in 36 select states and Washington, D.C.

Read our complete Lemonade pet insurance review to learn more. 

ASPCA for Great Danes

With ASPCA’s Complete Coverage pet insurance plan, your dog will be covered for microchipping, exam fees, and behavioral therapy in addition to any veterinary expenses related to covered accidents, illnesses, inherited health issues, and chronic conditions.  

This provider also offers a less comprehensive accident-only plan, which may be more feasible for pet owners on a tight budget. Still, it wouldn’t be our first choice for Great Danes as congenital and chronic conditions aren’t covered. 

ASPCA is also one of the few senior-friendly options on the market as it doesn’t uphold any upper age limits. Great Dane puppies, however, must be at least 8 weeks old to enroll in initial coverage.

If it’s within your means to tack wellness coverage onto your policy, we always recommend you do so. With an ASPCA policy, you can choose between its Basic Preventative Care package for an additional $9.95 per month or its Prime Preventative Care package for $24.95 per month. 

Pros and Cons

Pros

  • Includes alternative therapies like hydrotherapy and acupuncture in standard coverage
  • Distinguishes between curable and incurable pre-existing conditions
  • Covers exam fees, microchipping, and behavioral therapy

Cons

  • Has a 14-day waiting period for accidents
  • Maximum coverage limit is only $10,000 per year

Read more in our ASPCA pet insurance review.

Embrace for Great Danes

When you enroll with Embrace, you’ll have the option between an accident-only and accident/illness base plan. However, only the latter is customizable. If you opt for accident-only coverage, your coverage will be based on a fixed payout limit of $5,000 per year alongside a $100 annual deductible and a 90% reimbursement rate. 

While most pet insurance providers have blackout exclusions on all pre-existing conditions, Embrace will still cover curable pre-existing conditions like vomiting, diarrhea, UTIs, ear infections, etc., but only if the issue doesn’t recur for 12 months. Once your dog has been healthy for a full year, future incidences of the same condition may be eligible for coverage.

Embrace also rewards a policyholder for keeping their pet healthy by reducing their annual deductible by $50 for every year they go without filing a claim. 

Pros and Cons

Pros 

  • Offers a non-insurance wellness rewards feature, which covers 100% of eligible routine care expenses with your selected limit
  • Includes a free medical history review after enrollment
  • 30-day money-back guarantee

Cons

  • Has a six-month waiting period for orthopedic conditions and cruciate ligament events
  • Accident-illness coverage is only accessible to dogs under the age of 14

For more information on Embrace and its coverage details, visit our Embrace pet insurance review

Healthy Paws for Great Danes

As we’ve covered, Great Danes come with a host of hereditary conditions that’ll cost you a fortune to address should they arise. Healthy Paws grants Great Dane owners the ultimate peace of mind by offering accident and illness coverage and unlimited annual benefits for all of its policyholders. 

We’d only recommend this provider to owners with a Great Dane between the ages of 1 and 5, as Healthy Paws cuts hip dysplasia coverage eligibility for any dog that enrolls at or after its sixth birthday. 

Healthy Paws also doesn’t provide any sort of wellness plan or preventative care add-ons, so you’ll have to pay for things like annual checkups and core vaccines on your own. Adequate routine care is especially important for Great Dane puppies, as early signs of inherited conditions might become identifiable during those early developmental stages. 

Pros and Cons

Pros 

  • Unlimited annual coverage benefits for all Healthy Paws customers
  • Has donated over $1.6 million to 300+ nonprofit animal welfare organizations
  • Members can use its mobile app for easy claim submissions

Cons

  • No exam fee coverage
  • No discounts

To continue reading about Healthy Paws, head on over to our Healthy Paws pet insurance review.  

Is Pet Insurance For Great Danes Worth it?

Owning a pet is expensive as is, which is why most pet parents try and save money in any area that they can. But when it comes to pet insurance, seeking out the most affordable policy doesn’t necessarily guarantee the most bang for your buck — if anything, you’ll probably be left underinsured. 

Many pets are euthanized each year because they develop severe and costly illnesses that their owners can’t afford to pay upfront. And in some of these cases, the pet owner had pet insurance but not the coverage they needed for certain illnesses and therefore was left in the same position had they been uninsured. 

As you wade through different providers and pet insurance plans, be mindful of unique exclusions tucked into the fine print of every policy. It’s always wise to generate a free quote with any provider that piques your interest. That way, you can see how a policy fits your specific scenario.

Final Thoughts

As you compare providers, remember that the best pet insurance for Great Danes is a policy that prioritizes congenital condition coverage without making you jump through hoops to qualify. We’d also highly recommend choosing a provider that offers optional preventative care coverage. Most wellness riders cover a range of routine diagnostics, so take advantage of plan add-ons for orthopedic screenings, cardiac evaluations, thyroid testing, and eye exams. 

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.