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Dog Health Insurance Facts

Helpful dog health insurance facts you should know prior to deciding on a dog medical insurance policy that's right for you.

Let's Start With the Most Important Fact First


Honestly, the general consensus among fellow dog lovers about dog health insurance is biased! It seems the "jury is out" so to speak with regards to the importance of pet health insurance. My position is, most of these people don't own Great Danes! Still, those that it helped seem to swear by it while the "other half" knock it off as an extra bill that's a waste of money. As usual, an unbiased answer has yet to be found.. until now.

Important dog health insurance facts to help you decide.. Is pet insurance right for me?

Today's Veterinary costs are about the same as our human medical costs! While Great Dane health insurance and pet insurance remain relatively underdeveloped in North America with less than 1% of all pets being insured, European levels of insured pets range from 12% to 50%! Are the Europeans on to something?

Exponential advances in the field of animal medicine the past decade allows veterinarians to successfully treat conditions that were previously considered untreatable. Accompanying these medical advances as you probably guessed, are increased costs for veterinary care. Estimates reveal that North American pet guardians now spend over $15 billion a year on health care for their pets. One in three pets will need emergency veterinary treatment every year. Two out of every three pets experience a significant health problem during their lifetime.

So you ask yourself.. Does caring for a Great Dane put me at a financial risk?

Yes indeed it may! Our breed can be riddled with health issues, sorry to be blunt. By now I'm sure you read over our health articles discussing breed related dog illnesses and if you haven't, I highly suggest you have a look. But what about accidents or sudden unexpected emergencies? Here's a brief estimate on potential costs you may face.


  • •  Bloat-$3,000.00 to $6,000.00
  • •  ACL repair-$2,000.00 to $3,000.00 (Per Leg)
  • •  Foreign objects in stomach-$1,500.00 +
  • •  Dane vs. Car-$1,700.00 to ?
  • •  Cancer-$5,000.00 to ?
  • •  Snake Bite-$6,000.00 to $12,000.00

Must Understand Info

If you have ever shopped for dog medical insurance, or any kind of insurance, you know about the the fine print. These terms and conditions define coverage's, exclusions, pre-existing conditions, elective procedures, waiting periods, payout caps, yearly caps, per ailment allowances, breed specific surcharges "i.e. Great Danes", older dog limitations and more. Take much time and understand your coverage!

Tips for choosing dog insurance:

  • •  Ask around, your Vet, other dog owners, your breeder, see what people are saying.
  • •  Start your dog early, you will receive the best rate with a puppy and there are no pre-existing conditions to declare.

With respect to Great Danes, our opinion is choosing dog insurance is a sound investment. This breed in general can be a bit clumsy at times and a blown out ACL will run upwards of $3,000.00 dollars. You know what they say, "if one leg goes, the other usually goes within a year", that's $6,000.00 worth of orthopedic surgery! If a catastrophic accident or illness happens such as Bloat, dog medical insurance can save your Dane's life without killing your finances. To be honest, many unfortunate dog owners have had to put their dogs down because they couldn't afford emergency medical treatment. You can see why Great Dane health insurance is worth considering.

Still undecided about dog health insurance? Take action to keep your dog healthy with scheduled inoculations, boosters and screenings. Whenever possible, prevention and early diagnoses is always the easiest way to keep you companion going strong.