Does dog breed impact pet insurance?
Yes, your dog's breed can impact how much you pay for pet insurance. Premiums may be higher for purebreds prone to hereditary issues, while mixed breeds often cost less. Larger dogs typically cost more to insure due to shorter lifespans, joint problems, and higher treatment costs. Other factors like behavior and location can also influence pet insurance cost.
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Why do dog breeds impact pet insurance costs?
Dog breed impacts pet insurance costs because certain breeds are more prone to specific health issues, which increases the likelihood of claims. Insurers assess risk based on breed-related conditions, as well as other factors, and adjust premiums accordingly. Here are some common breed-related health concerns that may impact costs:
Brachycephalic obstructive airway syndrome (BOAS)
According to PetMD, flat-faced dogs like Bulldogs, Pugs, and Shih Tzus often suffer from BOAS, which causes breathing difficulties and may require expensive surgeries. Insurers may classify these breeds as high risk due to their respiratory problems.
Hip and elbow dysplasia
Large breeds such as German Shepherds, Labrador Retrievers, Golden Retrievers, and Rottweilers are prone to hip and elbow dysplasia — a condition where the joints develop improperly. According to the Morris Animal Foundation, treatments for this condition are often costly and may require surgery or ongoing therapy.
Heart conditions
Breeds like Cavalier King Charles Spaniels, which PetMD identifies as prone to heart issues, can require expensive medication and lifelong management.
Skin allergies
French Bulldogs and Boxers often suffer from skin allergies, leading to frequent vet visits, medications, or even specialized diets. The American Kennel Club notes that fleas, food, and environmental factors can trigger skin allergies in dogs.
Eye problems
According to the American College of Veterinary Ophthalmologists, Cocker Spaniels, Shar-Peis, and Beagles can develop glaucoma and cataracts that require surgery and ongoing care.
Cancer risks
Golden Retrievers are overly represented in the pet population with cancer, according to the Veterinary Cancer Society. Labrador Retrievers, German Shepherds, Boxers, and Cocker Spaniels also have a genetic predisposition to cancer that can lead to surgery and chemotherapy.
Are mixed breed dogs cheaper to insure?
Yes, mixed-breed dogs can be cheaper to insure because they generally have fewer claims and lower insurance premiums than purebred dogs. Their genes come from a variety of breeds, while purebred dogs inherit traits from the same breed — which can make them more prone to expensive health issues. For example, a purebred German Shepherd puppy is more likely to develop hip dysplasia than a mixed-breed puppy that only has some German Shepherd DNA.
What other factors influence pet insurance cost?
Here are some additional elements that may come into play beyond your dog's breed when insurers determine how much you may pay for pet insurance:
- Age: Senior dogs are more likely to need medical care, so it can cost more to insure them. Insurers may exclude them from coverage if they have a maximum age limit for new policies.
- Lifespan: Life expectancy for dogs varies widely by breed. Larger breeds typically don't live as long as smaller breeds, making pet insurance cost more for large dogs that may experience age-related medical issues early in life.
- Location: In certain parts of the country, veterinary care is more expensive. Pet insurance costs may also be higher in these areas.
- Size: Smaller dogs are less prone to injuries compared to larger dogs that put more weight on their joints during activities like swimming, herding, or hunting. This can often contribute to higher premiums.
The pet insurance deductible you choose also affects your costs. A higher deductible lowers your monthly premium but increases the amount you pay out of pocket. A lower deductible does the opposite — it raises your premium but ensures you receive more back when filing a claim.
The reimbursement rate also matters. For example, a plan that reimburses 90% of eligible vet expenses costs more than one that reimburses 70%.
Learn more about the cost of pet insurance.
How to reduce premiums for high-risk breeds
While seniors, large dogs, and high-risk breeds may come with higher insurance costs, pet insurance remains a valuable tool for managing unexpected veterinary expenses. By using these strategies, you may be able to reduce premiums without sacrificing the coverage that can protect your dog during emergencies:
- Adjust coverage limits: Excluding non-essential add-ons or selecting a lower annual coverage limit can help reduce premiums while providing protection for health issues.
- Focus on preventive care: Attending regular checkups, managing your dog's weight, and staying up to date on vaccinations can help prevent health issues and may reduce the likelihood of claims.
- Look for multi-pet discounts: Insurers may offer a multi-pet policy that insures all pets under one policy instead of separate policies for each — potentially saving you money if you have more than one dog.
- Compare providers: Insurers can assess risk differently. Shopping around may potentially help you save more on coverage for your high-risk breed.
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