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Newfoundland dog near water with a thick coat
giant Working 7/10 — High Risk

Newfoundland

Monthly $42–$80
Risk Score 7/10
Size giant
SweetPatientDevotedGentle
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Newfoundland at a Glance

Breed Characteristics

Lifespan

9–10 years

Weight

100–150 lbs

Height

26–28 inches

Exercise Needs

moderate

Grooming Needs

high

Trainability

high

Good with Kids

Yes

Good with Other Dogs

Yes

Apartment Friendly

No

Health Risks & Common Conditions

7 /10
Newfoundland Health Risk Score

Hip Dysplasia

High

Very common in this giant breed due to heavy weight and rapid growth.

Avg. Treatment: $5,500

Elbow Dysplasia

High

Developmental joint disease affecting the elbows.

Avg. Treatment: $3,500

Subaortic Stenosis (SAS)

High

A congenital heart condition where the aorta narrows below the aortic valve. Newfoundlands are one of the most affected breeds.

Avg. Treatment: $5,000

Cruciate Ligament Tear

Moderate

Heavy body weight puts significant strain on knee ligaments.

Avg. Treatment: $5,000

Bloat (GDV)

Moderate

Giant breed at risk for life-threatening stomach torsion.

Avg. Treatment: $6,000

Recommended Genetic Tests

  • Cardiac Exam
  • Hip Evaluation
  • Elbow Evaluation
  • Cystinuria DNA Test

Insurance Costs for Newfoundland

Monthly Cost

$42–$80

Avg. Annual Claim

$1,500

Claim Frequency

above_average

Suggested Deductible

$500

Coverage Highlights

Cardiac condition coverage essential (SAS) Joint and orthopedic coverage critical Emergency bloat surgery coverage

Insurance Provider Comparison

Compare coverage, costs, and ratings from top pet insurance providers

Best Overall
L

Lemonade

4.5

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
Get a Free Quote from Lemonade
Highest Rated
H

Healthy Paws

4.7

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
Get a Free Quote from Healthy Paws
Best for Comprehensive Coverage
E

Embrace

4.6

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
Get a Free Quote from Embrace
Best for Exotic Pets
N

Nationwide

4.2

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
Get a Free Quote from Nationwide
Best for Large Breeds
T

Trupanion

4.5

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
Get a Free Quote from Trupanion
Best Value
P

Pets Best

4.4

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
Get a Free Quote from Pets Best

Protect Your Newfoundland Today

With a higher-than-average health risk profile, having the right insurance plan can save you thousands in unexpected vet bills.

Without Insurance

$3,360 /year estimated
  • Full cost of emergencies out of pocket
  • Difficult financial decisions during crises
  • Unpredictable veterinary expenses
Recommended

With Insurance

$960 /year estimated
  • Up to 90% of vet bills covered
  • Peace of mind for emergencies
  • Predictable monthly expenses
Get Your Free Quote

Plans from as low as $42/month

Compare quotes from top providers: Lemonade Healthy Paws Embrace Trupanion Pets Best View All →
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Frequently Asked Questions About Newfoundland Insurance

Pet insurance for a Newfoundland typically costs $42-$80 per month. Their heart condition risk and joint issues make comprehensive coverage essential.
Subaortic stenosis (SAS) is a congenital heart defect where the aorta narrows, making the heart work harder. Newfoundlands have one of the highest SAS rates of any breed.
Yes, Newfoundlands have above-average vet costs due to their size (everything costs more for giant breeds) and predisposition to heart disease, joint problems, and bloat.