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Saint Bernard lying in the snow with a barrel collar
giant Working 7/10 — High Risk

Saint Bernard

Monthly $45–$85
Risk Score 7/10
Size giant
PlayfulCharmingInquisitiveWatchful
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Saint Bernard at a Glance

Breed Characteristics

Lifespan

8–10 years

Weight

120–180 lbs

Height

26–30 inches

Exercise Needs

moderate

Grooming Needs

moderate

Trainability

moderate

Good with Kids

Yes

Good with Other Dogs

Yes

Apartment Friendly

No

Health Risks & Common Conditions

7 /10
Saint Bernard Health Risk Score

Hip Dysplasia

Moderate

One of the most commonly affected breeds due to rapid growth and heavy weight.

Avg. Treatment: $6,000

Elbow Dysplasia

High

Very common in Saint Bernards, causing front leg lameness.

Avg. Treatment: $3,500

Bloat (GDV)

High

Giant, deep-chested breed at high risk for stomach torsion.

Avg. Treatment: $6,000

Osteosarcoma

Moderate

Bone cancer is a concern in giant breeds.

Avg. Treatment: $8,000

Entropion

High

Eyelids roll inward causing irritation. Very common due to loose facial skin.

Avg. Treatment: $2,000

Recommended Genetic Tests

  • Hip Evaluation
  • Elbow Evaluation
  • Cardiac Exam
  • Ophthalmologist Evaluation

Insurance Costs for Saint Bernard

Monthly Cost

$45–$85

Avg. Annual Claim

$1,600

Claim Frequency

above_average

Suggested Deductible

$500

Coverage Highlights

Joint and orthopedic coverage essential Emergency bloat surgery coverage Eye condition coverage for entropion Cancer coverage recommended

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 Saint Bernard Today

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

Without Insurance

$3,570 /year estimated
  • Full cost of emergencies out of pocket
  • Difficult financial decisions during crises
  • Unpredictable veterinary expenses
Recommended

With Insurance

$1,020 /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 $45/month

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

Pet insurance for a Saint Bernard typically costs $45-$85 per month. Their giant size and multiple health risks make comprehensive coverage essential.
Saint Bernards are prone to hip and elbow dysplasia, bloat, bone cancer, and entropion (eyelid problems). Their short lifespan of 8-10 years reflects these health challenges.
Many Saint Bernards develop entropion, where the eyelids roll inward. This causes irritation and potential corneal damage. Corrective surgery typically costs $1,000-$3,000.