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Breed guide

Pet insurance by breed

Common health risks and typical vet costs for popular dog and cat breeds.

💡 Breed-by-breed health risks and typical vet costs, with a worth-it angle for each. More breeds are added regularly.
🐶French BulldogSmall Dog · 10–12 yrs · High cost risk→🐶English BulldogMedium Dog · 8–10 yrs · High cost risk→🐶German ShepherdLarge Dog · 9–13 yrs · High cost risk→🐶Golden RetrieverLarge Dog · 10–12 yrs · High cost risk→🐶Labrador RetrieverLarge Dog · 10–12 yrs · Average cost risk→🐶DachshundSmall Dog · 12–16 yrs · High cost risk→🐶Great DaneGiant Dog · 7–10 yrs · High cost risk→🐶RottweilerLarge Dog · 8–11 yrs · High cost risk→🐶Yorkshire TerrierSmall Dog · 13–16 yrs · Average cost risk→🐶PoodleMedium Dog · 12–15 yrs · Average cost risk→🐱Maine CoonLarge Cat · 12–15 yrs · High cost risk→🐱Persian CatMedium Cat · 12–17 yrs · High cost risk→🐱Siamese CatSmall Cat · 12–20 yrs · Average cost risk→🐱Bengal CatMedium Cat · 12–16 yrs · Average cost risk→🐶BeagleSmall Dog · 12–15 yrs · Average cost risk→🐶BoxerLarge Dog · 10–12 yrs · High cost risk→🐶Cavalier King Charles SpanielSmall Dog · 9–14 yrs · High cost risk→🐶Shih TzuSmall Dog · 10–16 yrs · Average cost risk→🐶PomeranianSmall Dog · 12–16 yrs · Average cost risk→🐶ChihuahuaSmall Dog · 14–18 yrs · Average cost risk→🐶Australian ShepherdMedium Dog · 12–15 yrs · Average cost risk→🐶Bernese Mountain DogGiant Dog · 7–10 yrs · High cost risk→🐶Doberman PinscherLarge Dog · 10–12 yrs · High cost risk→🐶PugSmall Dog · 12–15 yrs · High cost risk→🐶Boston TerrierSmall Dog · 11–15 yrs · Average cost risk→🐶Siberian HuskyLarge Dog · 12–15 yrs · Average cost risk→🐶Pembroke Welsh CorgiSmall Dog · 12–15 yrs · Average cost risk→🐶Cocker SpanielMedium Dog · 10–14 yrs · Average cost risk→🐶Great PyreneesGiant Dog · 10–12 yrs · High cost risk→🐱RagdollLarge Cat · 12–17 yrs · Average cost risk→🐱British ShorthairMedium Cat · 12–17 yrs · Average cost risk→🐱SphynxSmall Cat · 9–15 yrs · High cost risk→🐱Scottish FoldMedium Cat · 11–15 yrs · High cost risk→🐶Shiba InuSmall Dog · 13–16 yrs · Average cost risk→🐶Miniature SchnauzerSmall Dog · 12–15 yrs · Average cost risk→🐶MalteseSmall Dog · 12–15 yrs · Average cost risk→🐶Bichon FriseSmall Dog · 14–15 yrs · Average cost risk→🐶Cane CorsoGiant Dog · 9–12 yrs · High cost risk→🐶Basset HoundMedium Dog · 10–12 yrs · Average cost risk→🐶NewfoundlandGiant Dog · 8–10 yrs · High cost risk→🐶SamoyedLarge Dog · 12–14 yrs · Average cost risk→🐱Russian BlueMedium Cat · 15–20 yrs · Average cost risk→🐱American ShorthairMedium Cat · 15–20 yrs · Average cost risk→🐶Border CollieMedium Dog · 12–15 yrs · Average cost risk→🐶Australian Cattle DogMedium Dog · 12–16 yrs · Average cost risk→🐶WeimaranerLarge Dog · 10–13 yrs · High cost risk→🐶VizslaLarge Dog · 12–14 yrs · Average cost risk→🐶BullmastiffGiant Dog · 7–9 yrs · High cost risk→🐶AkitaLarge Dog · 10–13 yrs · High cost risk→🐶Alaskan MalamuteLarge Dog · 10–14 yrs · Average cost risk→🐶West Highland White TerrierSmall Dog · 12–16 yrs · Average cost risk→🐶Jack Russell TerrierSmall Dog · 13–16 yrs · Average cost risk→🐶Shetland SheepdogSmall Dog · 12–14 yrs · Average cost risk→🐶HavaneseSmall Dog · 14–16 yrs · Average cost risk→🐶DalmatianLarge Dog · 11–13 yrs · Average cost risk→🐶Saint BernardGiant Dog · 8–10 yrs · High cost risk→🐶Chow ChowMedium Dog · 9–15 yrs · High cost risk→🐱Norwegian Forest CatLarge Cat · 14–16 yrs · Average cost risk→🐱AbyssinianMedium Cat · 12–15 yrs · Average cost risk→🐱Domestic ShorthairMedium Cat · 13–17 yrs · Average cost risk→🐶Rhodesian RidgebackLarge Dog · 10–12 yrs · Average cost risk→🐶Chinese Shar-PeiMedium Dog · 8–12 yrs · High cost risk→🐶BasenjiSmall Dog · 12–16 yrs · Average cost risk→🐶Irish SetterLarge Dog · 12–15 yrs · Average cost risk→🐶BrittanyMedium Dog · 12–14 yrs · Average cost risk→🐶PapillonSmall Dog · 13–16 yrs · Average cost risk→🐶Lhasa ApsoSmall Dog · 12–15 yrs · Average cost risk→🐶American BulldogLarge Dog · 10–14 yrs · Average cost risk→🐶Staffordshire Bull TerrierMedium Dog · 12–14 yrs · Average cost risk→🐶Dogue de BordeauxGiant Dog · 5–8 yrs · High cost risk→🐱BirmanMedium Cat · 13–16 yrs · Average cost risk→🐱Devon RexSmall Cat · 12–16 yrs · Average cost risk→🐶American Pit Bull TerrierMedium Dog · 12–14 yrs · Average cost risk→🐶German Shorthaired PointerLarge Dog · 10–14 yrs · Average cost risk→🐶Miniature PinscherSmall Dog · 12–16 yrs · Average cost risk→🐶Italian GreyhoundSmall Dog · 13–15 yrs · Average cost risk→🐶BloodhoundGiant Dog · 8–10 yrs · High cost risk→🐱Exotic ShorthairMedium Cat · 12–15 yrs · High cost risk→🐱Himalayan CatMedium Cat · 12–15 yrs · High cost risk→🐱Oriental ShorthairSmall Cat · 12–15 yrs · Average cost risk→

Frequently asked questions

Breeds prone to expensive, recurring problems — like French Bulldogs (breathing, spine), Great Danes (bloat), and Golden Retrievers (cancer) — tend to have the highest premiums and the strongest case for early coverage.

Coverage rules are the same, but some insurers apply longer waiting periods to breed-common orthopedic conditions, and any condition already present is excluded as pre-existing. Enrolling early matters most for at-risk breeds.