Best Pet Insurance For Great Danes

From my expertise, Healthy Paws stands out as the top choice for pet insurance for Great Danes.

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Written by
Bob Phillips

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When it comes to owning a Great Dane, their health and well-being are undoubtedly your priorities. Due to their purebred status, Great Danes are more prone to genetic health challenges than their mixed-breed counterparts. It’s alarming to know that 4 out of 5 pet owners can’t handle an unexpected $500 vet bill without financial strain. This is where pet insurance steps in to provide a safety net.

Within this review, we will explore the leading pet insurance options for Great Danes, guiding you towards the policy that aligns with your specific requirements. Similar to personal health coverage, pet insurance enhances treatment choices while mitigating potential financial burdens. Yet, unlike personal health insurance, it remains an affordable option.

Best Pet Insurance Companies For Great Danes, 2023

Various pet insurance providers catering to Great Danes share common goals of safeguarding your pet's well-being and alleviating financial worries. However, they also possess distinctive attributes. What suits your neighbor's pet might not be the perfect fit for yours.

Let's delve into the top pet insurance choices for Great Danes:

Best Overall - Healthy Paws
Best Cheap Coverage - Lemonade
Best for Puppies - ManyPets
Best Pet Insurance, Great Danes 2023

Comparison Of The Best Pet Insurance Companies For Great Danes

From our analysis of the best pet insurance options for Great Danes detailed earlier, it's evident that numerous brands are striving for your attention. Moreover, it's clear that each boasts distinct advantages. Here's a quick overview to provide you with insights into each insurer:

Overall Rating Benefit Limit Waiting Period Reimbursement % Best For Get A Quote

$5,000 to $100,000 annually

2 days accidents, 14 days illnesses

70%, 80%, 90%


Instant Quote

Unlimited annual and lifetime

15 days accidents and illnesses

70% and 80%
(most states)


Instant Quote
Healthy Paws

Unlimited annual and lifetime

15 days accident/illness

70%, 80%, 90%


Instant Quote

$10,000 , $20,000 or unlimited

14 days accidents/illnesses


Older Dogs

Instant Quote

$2,500 to unlimited

14 days accident/illness

70%, 80%, 90%

Multiple Pets

Instant Quote
Scroll to see comparisons

Our Methodology

The assessments and resulting ratings were formulated by examining the websites of each insurer, analyzing customer reviews, consulting other review platforms, and drawing from personal experiences of having previously bought and utilized pet insurance.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours

Detailed Reviews Of The Best Great Dane Insurance Companies

Best Overall

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
10/10 Claims
10/10 Coverage Level

Why We Like Them

Healthy Paws stands out as the top choice for pet insurance tailored to Great Danes, due to its lack of claim payout ceilings, per-incident maximums, or restrictions.

While it might cost more than other insurers, this choice proves its value by eliminating the need to make tough decisions with your pet’s health, based on policy constraints.

Healthy Paws presents a straightforward policy, devoid of expensive extras, and extends the flexibility to consult any licensed veterinarian. The process of filing claims is made effortless via their mobile app or website, with most claims being resolved within a mere two days.

Benefits & Drawbacks

  • Unlimited annual and lifetime reimbursements
  • Quick processing of the majority of claims within 48 hours
  • 30-day money-back assurance
  • Potential for direct veterinarian payments
  • Absence of routine wellness coverage choice

Runner-Up For Best Overall

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage Level

Why We Like Them

Lemonade is the cheapest pet insurance option for Great Danes. While the limits are similar to other companies we looked at, they’re not unlimited like Healthy Paws.

Lemonade’s coverage ranges from $5,000 to $100,000 per year, and the cost goes up with the higher limit.

Lemonade’s regular policy covers accidents and illnesses, such as cancer, heart disease, skin problems, broken bones, and hip issues, which are common in older Great Danes. Like most insurers, Lemonade doesn’t cover preexisting conditions, dental problems, behavioral issues, or elective treatments.

Benefits & Drawbacks

  • Choice to enroll in an available wellness plan
  • Benefit from a brief two-day accident waiting period
  • Receive a 10% discount when combining pet insurance with your existing Lemonade home, renters, or car insurance
  • Absence of a 24/7 pet telehealth line
  • The coverage for vet examination fees involves an additional charge
  • Regrettably, prescription food and microchipping are not covered by the policy

Best For Puppies

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
8/10 Coverage Level

Why We Like Them

ManyPets offers the best coverage for puppies. Rates aren’t impacted by pre-existing conditions, covered conditions can be covered after 18 months, and unrelated conditions can still get coverage.

Just like all young dogs, Great Dane puppies can face issues like poisoning, swallowing foreign objects, and accidents due to their lively nature. Insuring them early greatly reduces the chance of facing exclusions for pre-existing conditions as they grow older.

Benefits & Drawbacks

  • Accessible in over 40 states
  • Inclusive of vet exam fees for both illness and accident-related visits
  • Provides the choice of optional wellness plans
  • Lacks a 24/7 pet telehealth line
  • Excludes coverage for pet behavioral therapy
  • Regrettably, alternative therapies are not within the coverage.

Best For Older Dogs

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
8/10 Coverage Level

Why We like Them

As Great Danes mature, certain genetic health concerns like cruciate ligament troubles and hip dysplasia might surface, demanding costly treatments. Pumpkin takes a different approach by eliminating waiting periods for these issues and even covers vet exam fees for senior Danes.

Pumpkin provides a range of coverage options tailored to the diverse challenges that Great Danes might encounter, encompassing surgeries and dental ailments. With a selection of three deductibles, their standard reimbursement rate of 90% aims to ease the financial burden.

Benefits & Drawbacks

  • Choice to enroll in an optional wellness plan
  • Benefit from price reductions when insuring multiple pets
  • Enjoy a substantial 90% reimbursement for dogs and cats aged 8 weeks and older
  • Regrettably, there is no provision for a 24/7 pet telehealth line
  • Unfortunately, an accident-only plan is not part of the options provided.

Best For Multiple Pets

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Claims
10/10 Coverage Level

Why We Like Them

Numerous Great Dane owners end up having multiple pets, due to the breed’s friendly nature. Spot acknowledges this and extends a 10% discount for insuring more than one pet with them, resulting in significant savings.

Spot’s optional preventive care plan steps in to cover wellness needs, encompassing one annual vet visit, a fecal test, and teeth cleaning. Moreover, certain vaccinations are included within the coverage.

Spot stands by their service with a 30-day money-back guarantee, ensuring your satisfaction. They further provide up to 90% reimbursement for eligible vet bills, complemented by a 24/7 vet helpline. This comprehensive approach allows you the freedom to consult any licensed U.S. veterinarian or specialist.

Benefits & Drawbacks

  • Provides coverage for microchipping services
  • Offers the option of a modest $100 deductible
  • Features a readily accessible 24/7 pet telehealth line
  • Accidents are subject to a 14-day waiting period, unlike the 2-day waiting period observed in certain leading competitors.

Average Cost Of Pet Insurance For Great Danes

Company Annual Reimbursement % Deductible Monthly Price Location Age of Dog
Spot 80% $500 $51 Kansas (zip code 64030) 1 year old
Lemonade 70% $500 $43 California (zip code 94203) 5 year old
Spot 70% $500 $75 California (zip code 94203) 5 year old
Healthy Paws 80% $500 $37 Kansas (zip code 64030) 1 year old
Lemonade 80% $500 $22 Kansas (zip code 64030) 1 year old
Healthy Paws 70% $500 $73 California (zip code 94203) 5 year old
Healthy Paws 70% $500 $38 North Carolina (zip code 28105) 3 month old
Lemonade 70% $500 $27 North Carolina (zip code 28105) 3 month old
Spot 70% $500 $82 North Carolina (zip code 28105) 3 month old

Average Cost Of Typical Vet Procedures

Typical Vet Procedure Average Cost Of Procedure
Puppy vaccinations $75-100
Annual exam $240-600
Heartworm prevention $24-120
Spay or neuter surgery $200-800
Flea & tick prevention $40-200
Teeth cleaning $200-500
Microchip $40

Average Cost Of Emergency Vet Procedures

Emergency Pet Procedure Average Cost Of Procedure
General consultation/exam $100-$150
General bloodwork $80-200
Wound treatment & repair $800-$1,500
Emergency surgery $800-$2,500
1-2 day hospitalization $600-$1,700
3-5 day hospitalization $1,500-$3,500
X-rays $150-$250
Ultrasound $300-$600
Oxygen therapy $500

Common Health Issues For Great Danes

With purebred canines, such as Great Danes, health challenges often arise. Over time, certain breeders might have unintentionally overlooked genetic considerations while breeding Great Danes, leading to concerns that affect the broader Great Dane community. In comparison to other breeds, Great Danes have a greater likelihood of facing genetic health issues.

In this context, we will highlight several prevalent health concerns that are commonly observed in Great Danes:

  • Gastric Dilation Volvulus (Bloat)
  • Hip Dysplasia
  • Cardiomyopathy
  • Osteosarcoma
  • Wobbler Syndrome
  • Hypothyroidism

Is Pet Insurance Worth It For Great Danes?

Pet insurance serves as a protective shield against unforeseen veterinary expenses. While many pet guardians cover their furry companions’ medical bills, a significant portion of individuals in the United States can’t manage an unexpected $1500 vet bill. Pet insurance offers a safety net that can be a true lifesaver. It empowers you to make medical decisions for your beloved pet based on their well-being, rather than financial constraints.

The value of pet insurance largely depends on your expectations. If your pet is presently receiving treatment for a chronic condition and you’re seeking financial aid for these expenses, you might find yourself disappointed, as no company in our evaluation covers preexisting conditions. However, if you comprehend the ins and outs of your policy, align it with your budget and needs, you’ll likely see the policy as a worthwhile investment.

How To Find The Best Pet Insurance Company For You

Selecting the right pet insurance plan can be tricky due to the range of costs and options offered by different companies. To help you make the best choice for your pet, keep these guidelines in mind before you decide on coverage:

Check Whether Your Pet Is Eligible

Puppies and kittens typically need to be at least 6 to 10 weeks old to qualify for insurance, but this varies among companies. Some insurers might not accept senior pets for new enrollments, or they might limit coverage to accidents only. However, once your pet is enrolled, most plans provide lifelong coverage as long as you keep up with the premium payments.

Research What’s Covered

Pet insurance plans generally handle expenses like surgeries, hospital stays, and medications in case your pet falls ill or gets injured. However, certain things might come with extra charges or might not be covered at all by some companies. Here are some examples:

  • Exam fees: Imagine if your cat breaks a leg. While some plans will reimburse costs for X-rays, surgery, and pain meds, they might exclude the vet’s checkup fee.
  • Alternative treatments and rehab: Some companies include coverage for therapies like acupuncture and physical therapy in their standard plans, while others may ask for additional payments.
  • Behavioral therapies: Not all policies cover vet treatments for behavioral problems like anxiety or aggression.
  • Prescription food: Some plans might not cover food or supplements, even if prescribed by your vet for a covered issue.
  • Dental care: Coverage for dental health varies among pet insurance plans. Some might not cover problems like gum disease, while others might consider recent teeth cleaning. Certain wellness add-ons might pay for cleanings.

Remember, pet insurance typically excludes pre-existing conditions, cosmetic procedures, and breeding costs.

Decide How Much Coverage You Want

Many pet insurance plans have an annual payout limit, although a few don’t impose any yearly cap. It’s up to you to choose the level of coverage that provides a comfortable sense of security for covering veterinary expenses.

If your pet is generally healthy, you might only need to cover routine check-ups for years. However, unforeseen surgeries or major illnesses could lead to significant expenses, possibly totaling thousands of dollars.

Understand Reimbursements And Deductibles

Most pet insurance plans provide reimbursement for a portion of your veterinary expenses. When purchasing a plan, you can typically select a reimbursement percentage, like 70%, 80%, or 90%.

On the other hand, certain plans follow a fixed fee approach for specific treatments, which may be less than what your veterinarian charges. In such cases, you’d be responsible for the remaining amount.

Almost all plans also include a deductible — the amount you pay upfront before the policy kicks in. You usually have choices for deductibles, such as $100, $250, or more. Some plans apply the deductible for each injury or illness treated, while most only require it to be paid once each year.

Generally, if you opt for lower out-of-pocket costs, you’ll likely have a higher premium. Conversely, choosing a higher deductible and lower reimbursement rate can result in a lower premium.

Check Waiting Periods

Typically, after buying a policy, most plans have brief waiting periods before general accident and illness coverage takes effect, often around 14 days. During this time, the plan won’t cover any treatments.

However, some plans have extended waiting periods for specific conditions, like cruciate ligament injuries, which are common orthopedic issues for dogs. Cruciate ligaments provide stability to the knee, and injuries to these ligaments can impact a dog’s mobility.

Examine Extra Costs

Certain pet insurance providers include coverage for regular services like wellness check-ups and vaccinations. Although this might seem appealing, it’s crucial to calculate if the added expense is genuinely beneficial. Compare the yearly cost of the wellness insurance plan with what you’d usually spend annually on the covered services. Remember to carefully review the specifics since the definition of “wellness” coverage can differ among various pet insurance companies.

Compare Quotes

Pet insurance expenses can differ based on the provider and coverage level. Some pet insurance companies provide discounts, potentially saving you money if you insure multiple pets. However, a discount alone doesn’t guarantee the best choice. To discover the most suitable insurance for your pet, delve into the specifics and gather quotes for various plans. Ensure your comparison is unbiased, considering similar coverage amounts, deductibles, and reimbursement limits.

Factors That Impact Cost Of Your Pet Insurance Policy

Much like your personal health insurance, the cost of pet insurance can vary due to specific factors, including:

● Location: Pet insurance companies factor in local veterinary care costs when determining your policy’s price.

● Pet’s Age: Older pets are more susceptible to health issues, resulting in higher premiums.

● Pet’s Breed: Certain breeds are prone to health problems. For instance, breeds like bulldogs and Boston terriers often face breathing difficulties, while larger breeds like German Shepherds have a higher likelihood of hip dysplasia. These factors can impact the cost of your pet insurance.

● Deductibles, Coinsurance, and Coverage Limits: The less you’re willing to pay upfront for your pet’s care, the higher your insurance premium becomes. For example, opting for a $100 deductible instead of $500 leads to quicker reimbursements, but with higher premiums.

Information About Great Danes

Renowned for their majestic stature and gentle demeanor, Great Danes are cherished giants in the dog world. Originating from Germany, they have a history of serving as estate guardians and hunters, showcasing their impressive strength and loyalty. With their striking appearance and regal presence, they come in a variety of coat colors, including fawn, brindle, and blue.

Gentle and affectionate, Great Danes thrive in homes with ample space to accommodate their size. They often display a calm disposition and make loving companions. Their noble nature and remarkable patience have earned them a reputation as wonderful family dogs. Whether serving as devoted protectors or simply enjoying relaxed moments, Great Danes continue to capture hearts with their grace and companionship.


Is pet insurance cheaper for purebred dogs?  

Due to the higher likelihood of genetic health issues, purebred dogs often require more comprehensive insurance coverage compared to mixed-breed dogs. This is due to the potential for costly medical conditions associated with their genetics.

What is the average cost of owning a Great Dane?  

Initial expenses for the first year add up to approximately $3,000, covering vaccinations, food, grooming, and insurance. However, subsequent yearly costs decrease to roughly $1,900.

What insurance do you need for a dog?

It’s advisable for dog owners to consider getting pet insurance to cover veterinary expenses and ensure their dog’s well-being. This helps manage unexpected costs and maintain your dog’s health.

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