giant Working 8/10 — High Risk
Mastiff
Monthly $50–$100
Risk Score 8/10
Size giant
Good-NaturedCourageousDignifiedDocile
Mastiff at a Glance
Breed Characteristics
Lifespan
6–10 years
Weight
120–230 lbs
Height
27.5–30 inches
Exercise Needs
low
Grooming Needs
low
Trainability
moderate
Good with Kids
Yes
Good with Other Dogs
Yes
Apartment Friendly
No
Health Risks & Common Conditions
8 /10
Mastiff Health Risk Score
Hip Dysplasia
ModerateExtremely common due to massive body weight. One of the highest rates among all breeds.
Avg. Treatment: $6,000
Bloat (GDV)
HighGiant, deep-chested breed at very high risk for life-threatening stomach torsion.
Avg. Treatment: $6,000
Elbow Dysplasia
HighDevelopmental joint disease of the elbows very common in this breed.
Avg. Treatment: $3,500
Osteosarcoma
ModerateBone cancer is common in giant breeds.
Avg. Treatment: $8,000
Cruciate Ligament Tear
ModerateMassive body weight puts extreme strain on knee ligaments.
Avg. Treatment: $5,000
Recommended Genetic Tests
- Hip Evaluation
- Elbow Evaluation
- Cardiac Exam
- Ophthalmologist Evaluation
Insurance Costs for Mastiff
Monthly Cost
$50–$100
Avg. Annual Claim
$2,000
Claim Frequency
high
Suggested Deductible
$500
Coverage Highlights
One of the most expensive breeds to insure Orthopedic coverage essential (hip, elbow, cruciate) Emergency bloat surgery coverage critical Cancer coverage recommended
Insurance Provider Comparison
Compare coverage, costs, and ratings from top pet insurance providers
Best Overall
L
Lemonade
Monthly Premium
$20 - $80
Deductible $100, $250, $500
Reimbursement 70%, 80%, 90%
Hereditary Coverage
Covered
- Fast claims processing via app
- Customizable coverage plans
- Affordable base premiums
- Preventive care add-on available
- No exam fee coverage on base plan
- Limited availability in some states
- Newer company with less track record
Highest Rated
H
Healthy Paws
Monthly Premium
$25 - $90
Deductible $100, $250, $500, $750
Reimbursement 70%, 80%, 90%
Hereditary Coverage
Covered
- Unlimited annual and lifetime benefits
- No caps on claim payouts
- Fast claim processing (2-3 days average)
- Covers hereditary and congenital conditions
- No routine or preventive care coverage
- No dental coverage
- Longer waiting period for accidents than competitors
Best for Comprehensive Coverage
E
Embrace
Monthly Premium
$25 - $85
Deductible $200, $300, $500, $750, $1000
Reimbursement 70%, 80%, 90%
Hereditary Coverage
Covered
- Diminishing deductible (decreases $50/year with no claims)
- Covers exam fees
- Dental illness coverage included
- Wellness Rewards add-on for routine care
- Annual limits (no unlimited option)
- Premiums can increase with age
- Orthopedic conditions have 6-month waiting period
Best for Exotic Pets
N
Nationwide
Monthly Premium
$30 - $100
Deductible $250, $500, $750
Reimbursement 50%, 70%, 90%
Hereditary Coverage
Covered
- Whole Pet plan covers wellness and illness
- Only major insurer covering exotic pets
- Employer-sponsored plans available
- Long-established company since 1982
- Higher premiums than competitors
- Slower claims processing
- Benefit schedule plans pay less than expected
- 14-day waiting period for accidents
Best for Large Breeds
T
Trupanion
Monthly Premium
$30 - $120
Deductible $0, $100, $200, $500, $1000
Reimbursement 90%
Hereditary Coverage
Covered
- 90% reimbursement on all plans
- No payout limits per incident or lifetime
- Direct vet payment option at many clinics
- Covers hereditary and congenital conditions from day one
- Only 90% reimbursement option (no 70% or 80%)
- No wellness or routine care coverage
- 30-day waiting period for illnesses
- Higher premiums overall
Best Value
P
Pets Best
Monthly Premium
$18 - $75
Deductible $50, $100, $200, $250, $500
Reimbursement 70%, 80%, 90%
Hereditary Coverage
Covered
- Very affordable base premiums
- Low deductible options starting at $50
- Fast claims processing (5 days average)
- BestWellness plan for routine care add-on
- No dental coverage
- Customer service can be slow
- Lower annual limits on budget plans
- Premium increases with age can be significant
Protect Your Mastiff Today
With a higher-than-average health risk profile, having the right insurance plan can save you thousands in unexpected vet bills.
Without Insurance
$4,200 /year estimated
- Full cost of emergencies out of pocket
- Difficult financial decisions during crises
- Unpredictable veterinary expenses
Recommended
With Insurance
$1,200 /year estimated
- Up to 90% of vet bills covered
- Peace of mind for emergencies
- Predictable monthly expenses
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Plans from as low as $50/month
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Frequently Asked Questions About Mastiff Insurance
Pet insurance for a Mastiff typically costs $50-$100 per month. Their massive size, joint issues, and bloat risk make them one of the most expensive breeds to insure.
Hip and elbow dysplasia, bloat (GDV), cruciate ligament tears, and bone cancer are the primary concerns. Their massive body weight exacerbates all joint-related issues.
Absolutely. A single hip replacement can cost $5,000-$7,000, bloat surgery $3,000-$7,500, and cruciate ligament repair $3,000-$6,500. Insurance is essential for this breed.
