4 min read

Best Pet Insurance for Large Dogs

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Save on pet insurance for your pet

You don't have to choose between your pet and your wallet when it comes to expensive vet visits. Prepare ahead of time for unexpected vet bills by finding the pawfect pet insurance.

Overview

If you’ve got a large pooch, you know that everything for them comes big. Big beds, big bones and big toys. But that also means that when they get injured or sick, there’s big bills too!

Large breeds can be susceptible to a number of hereditary conditions like hip dysplasia and entropion, and due to their size, they often suffer from arthritis, heart disease, and bone and joint issues. Be your big dog’s best friend by making sure you can cover the care they need when they need it most with quality pet insurance.

Wondering which pet insurance providers offer the best plans for your gigantic pup? Check out our top picks for the best pet insurance for large dogs.


Our top picks for health insurance for large dogs

  • Best wellness add-ons: Lemonade
  • Best dental coverage: Pet’s Best
  • Most affordable monthly premium: Many Pets
  • Most customization options: Embrace

  • Most comprehensive coverage: Figo


Lemonade

Since Lemonade offers all kinds of insurance, pet parents can include their pet insurance and get discounted. Lemonade also covers conditions common in large breeds, such as hip and elbow dysplasia, heart disease and arthritis. But it’s their add-ons that really shine, offering everything you hoped a pet insurance would, such as vaccines, dental cleanings, routine exams and even alternative and standard physical therapies.

Why Lemonade is a great choice for large dog insurance

  • Low monthly premiums available
  • Excellent wellness add-ons for preventative care
  • Waiting period for accident coverage is only 2 days

What’s covered?

  • Accidents
  • Illnesses
  • Diagnostic testing
  • Imaging
  • Surgery
  • Hospitalization
  • Emergency care
  • Poisoning
  • Arthritis
  • Hip and elbow dysplasia
  • Allergies
  • Diabetes
  • Eye disorders
  • Heart disease
  • Cancer
  • Infections
  • Hereditary and congenital conditions
  • Prescription medications and injections

Deductibles

  • $100
  • $250
  • $500

Coverage limits

  • $5,000
  • $10,000
  • $20,000
  • $50,000
  • $100,000

Reimbursement rates

  • 70%
  • 80%
  • 90%

Waiting period

  • Accidents: 2 days
  • Illnesses: 14 days
  • Cruciate ligaments: 6 months

Monthly premium: $10 to $100 on average

Add-on options

Adding on a Preventative or Preventative+ care package can give you coverage for routine wellness exams, heartworm, fecal and blood tests, vaccinations, virtual chats with a veterinarian, dental cleanings and parasite preventatives. With the Vet Visit add-on, you’ll get vet exams for accidents and illnesses covered, while the Physical therapy add-on covers treatments for functionality, including hydrotherapy and acupuncture!


Pets Best

Pets Best covers a wide range of accidents, illnesses, hereditary and congenital conditions, and even covers many dental issues too. As your large dog ages, their level of coverage won’t, meaning your 12-year-old Great Dane can still get the care they need when they need it most. And with wellness add-ons, they’re also covered for routine exams and care to help keep an eye on developing conditions.

Why Pets Best is a great choice for large dog insurance

  • No age limit, and no reduction or canceled coverage for older pets
  • Routine wellness exams and care coverage available
  • Many choices for deductibles and coverage amounts

What’s covered?

  • Poisoning
  • Broken bones
  • Diabetes
  • Arthritis
  • Cancer treatments
  • Emergency care
  • Hospitalization
  • Surgery
  • Chronic conditions
  • Hereditary and congenital conditions
  • Diagnostic testing
  • Periodontal disease
  • Dental exams
  • Dental injuries
  • Dental procedures such as tooth extractions, cysts, enamel hypoplasia and unerupted teeth
  • Exam fees
  • Prescription medications
  • Behavioral consultations
  • Acupuncture
  • Chiropractic treatments
  • Physical rehabilitation
  • Euthanasia

Deductibles

  • $50
  • $100
  • $200
  • $250
  • $500
  • $1,000

Coverage limits

  • $2,500
  • $5,000
  • $10,000
  • Unlimited

Reimbursement rates

  • 70%
  • 80%
  • 90%

Waiting period

  • Accidents: 14 days
  • Illnesses: 3 days
  • Cruciate ligament conditions: 6 months

Monthly premium: $45 on average.

Add-on options

Additional coverage with the EssentialWellness or BestWellness add-ons includes blood tests, fecal tests, heartworm, flea and tick prevention, vaccinations, dental cleanings, deworming, microchips and even spay/neuters.


Many Pets

Many Pets is new to the pet insurance game, but they've come stocked with plenty to attract pet parents. With the ability to choose low deductibles and full coverage for a wide variety of conditions, your dog will be ready for whatever comes. For large breeds, they cover pre-existing, hereditary and congenital conditions, and offer holistic therapies, supplements, surgeries and rehabilitation to keep your big pooch moving. 

Why Many Pets is a great choice for large dog insurance

  • Covers pre-existing conditions when free of symptoms and treatments for 18 months
  • Offers 100% cost reimbursement
  • Low deductibles offered

What’s covered?

  • Accidents
  • Poisoning
  • Surgery
  • Hospitalizations
  • Diagnostic exams and testing
  • Imaging
  • Illness
  • Cancer
  • Infections
  • Dental injuries
  • Prescription medication
  • Pre-existing conditions
  • Specialty care
  • Rehabilitation
  • Chiropractic treatment
  • Acupuncture
  • Hereditary and congenital conditions

Deductibles

  • $100
  • $250
  • $500

Coverage limits

  • Unlimited

Reimbursement rates

  • 80%
  • 90%
  • 100%

Waiting period

  • Accidents: 15 days
  • Illnesses: 15 days
  • Accident and Illness after switching from another pet insurer: 24 hours

Monthly premium: $20 to $35 on average

Add-on options

An add-on wellness plan not only covers routine exams, vaccinations, flea, tick and heartworm prevention and dental cleanings, but it will also pay for holistic supplements and treatments for bones, joints, skin and coat, and even stress and anxiety!


Embrace

Embrace offers 2 main plans, an accident only and an accident and illness plan that each covers a wide variety of conditions. An add-on can even cover wellness extras, like exams, grooming and training. What makes Embrace incredibly special is that they only look at the last 12 months of your dog’s medical history to determine pre-existing conditions, and they also differentiate between curable and uncurable conditions to provide pet parents with more coverage options than most pet insurance companies.

Why Embrace is a great choice for large dog insurance

  • Plans cover curable pre-existing conditions
  • A diminishing deductible reduces by $50 each year if claim reimbursement isn’t used in previous year
  • Offers coverage for hereditary joint conditions, as well as treatments and even mobility devices

What’s covered?

  • Dental illness
  • Allergies
  • Arthritis
  • Broken bones and ligament tears
  • Diabetes
  • Emergency care
  • Diagnostic exams and testing
  • Hospitalization and follow-up care
  • Surgery
  • Specialty care, including behavioral
  • Prescription medications
  • Hip dysplasia
  • Intervertebral disc disease
  • Cancer
  • Lyme disease
  • Parasites
  • Osteosarcoma
  • Acupuncture
  • Laser therapy
  • Prosthetics and mobility aids

Deductibles

  • $100
  • $200
  • $300
  • $500
  • $750
  • $1,000

Coverage limits

  • $5,000 per year
  • $8,000 per year
  • $10,000 per year
  • $15,000 per year
  • $30,000 per year

Reimbursement rates

  • 70%
  • 80%
  • 90%

Waiting period

  • Accidents: 48 hours
  • Illnesses: 14 days

Monthly premium: $30 to $40 on average.

Add-on options

Wellness Rewards is an optional addition that can cover routine exams, grooming, spay/neuter procedures, dental cleanings, flea, tick and heartworm preventatives, and even training


Figo

Figo is a great plan for large dogs, as they cover a wide range of conditions that can affect these bigger canines, including knee and joint conditions, and hereditary conditions. Base plans cover holistic treatments, and three different wellness add-ons can help cover preventative care, routine exams and more! Figo also offers competitive reimbursements, which can even cover 100% of your medical costs! That’s big savings for big dogs!

Why Figo is a great choice for large dog insurance

  • Pet parents can choose a 100% reimbursement plan
  • Several choices for wellness coverage are available
  • Many illnesses and conditions affecting large breeds are covered, including hereditary, congenital and joint issues

What’s covered?

  • Accidents
  • Cancer
  • Surgery
  • Knee conditions
  • Hip dysplasia
  • Diagnostic testing
  • Imaging
  • Dental injuries and illness
  • Prescription medications
  • Prosthetics and orthopedics
  • Chronic conditions
  • Hereditary and congenital conditions
  • Emergency services
  • Hospitalization
  • Veterinary specialists
  • Acupuncture
  • Chiropractic treatments

Deductibles

  • Ranges by age from $100 to $750

Coverage limits

  • $5,000 per year
  • $10,000 per year
  • Unlimited

Reimbursement rates

  • 70%
  • 80%
  • 90%
  • 100%

Waiting period

  • Accidents: 3 days
  • Illnesses: 14 days

Monthly premium: $38 to $45 on average

Add-on options

With 3 different add on packages, Figo covers it all! The Wellness package covers exams, vaccines and routine care, the Veterinary Exam Fees for Accident and Illness Visits package covers exam fees for accidents that most other companies don’t, and the Extra Care Pack goes the extra mile to cover burial and cremation, advertising or awards for lost pets, boarding fees, and vacation cancellations due to an animal emergency.

Veterinary care for big dogs can add up quick! Fortunately, many pet insurance companies reimburse claims within days, putting up to 90% or more of the bill back in your pocket. In the market for pet insurance? Compare leading pet insurance companies to find the right plan for your pet.

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© 2022 Wag Labs, Inc. All rights reserved.