Which Dog Breeds Are Most Expensive to Insure? Quotezone Has Data –

Bullmastiffs, Great Danes, and Irish Setters are among the most expensive dog breeds to insure in the UK, according to new industry data.

New analysis from pet insurance experts at Quotezone.co.uk reveals the breeds consistently flagged as high risk by insurers, leading to some of the priciest annual premiums for pet owners.

At the top of the list is the Bullmastiff, averaging £286 in annual insurance costs. Known for their loyalty and protective nature, Bullmastiffs tend to face health challenges including joint issues and heart problems, which makes them a high-risk breed for insurers.

Following close behind is the Great Dane, with average yearly premiums reaching £271. Generally considered the largest dog breed in terms of height, Great Danes are prone to specific health concerns such as hip dysplasia and bloat (Gastric Dilatation-Volvulus – GDV), both of which can lead to expensive veterinary bills.

Other breeds rounding out the list include the Irish Setter (£205) and the Rhodesian Ridgeback (£204).

Due to factors such as size and breed specific health issues, these dogs often require more frequent or costly veterinary care, resulting in premium rates well above the average for other breeds.

Insurers can also consider temperament and behavioural risks, as well as breed popularity and claim history. Breeds perceived as more likely to cause damage or be involved in incidents, such as certain working and guarding breeds, often come with higher insurance costs.

The age of the individual dog plays a role in premiums as well. Older dogs generally have higher premiums due to the increased likelihood of illness, regardless of breed. However, certain breeds age faster than others, which can impact premiums based on their breed profile.

Understanding these costs can help owners budget appropriately and select the right insurance coverage to help keep their pets healthy and financially protected.

Commenting on the data, Greg Wilson, CEO and pet insurance expert at Quotezone said: “Pets can get into all sorts of unexpected scrapes, so pet insurance is ideal to help give owners peace of mind when it comes to expensive vet bills which can escalate quickly.

“It’s important for pet owners to research the breed they are rescuing or buying and ensure their pet insurance has them covered  – as our list shows, there’s a selection of pups that are more at risk than others and some insurance policies won’t cover some common hereditary conditions in specific breeds.

“Insurance is also important for managing costs as pets get older and need more regular care, with some policies even helping with end-of-life expenses, which can be a big relief during tough times.

“There are also accident only policies for injuries, time limited and maximum benefit options that cover conditions up to a set limit, and lifetime policies, which offer the most comprehensive coverage for ongoing issues – so it’s vital to get the right protection.”

Related