Pet Insurance Breed Guides
Every breed carries unique health risks. Find out what conditions your pet is prone to, what it could cost, and which insurance plan fits best.
Showing 18 breeds
Golden Retriever
dog · 10–12 yrsTop Health Risks
- Cancer (60% lifetime risk)
- Hip dysplasia
- Heart disease
Avg. Lifetime Cost
$3,000–$8,000
Insurance Priority
Essential
French Bulldog
dog · 10–12 yrsTop Health Risks
- BOAS breathing issues
- Spinal problems (IVDD)
- Skin allergies
Avg. Lifetime Cost
$3,500–$10,000
Insurance Priority
Essential
German Shepherd
dog · 9–13 yrsTop Health Risks
- Hip & elbow dysplasia
- Degenerative myelopathy
- Bloat (GDV)
Avg. Lifetime Cost
$2,500–$7,000
Insurance Priority
Essential
Labrador Retriever
dog · 10–12 yrsTop Health Risks
- Hip dysplasia
- Obesity-related conditions
- Eye conditions
Avg. Lifetime Cost
$2,000–$6,000
Insurance Priority
Strongly Recommended
Dachshund
dog · 12–16 yrsTop Health Risks
- IVDD spinal disc disease
- Dental disease
- Obesity
Avg. Lifetime Cost
$3,000–$9,000
Insurance Priority
Essential
Bulldog
dog · 8–10 yrsTop Health Risks
- Respiratory issues
- Hip dysplasia
- Skin fold infections
Avg. Lifetime Cost
$3,000–$8,500
Insurance Priority
Essential
Poodle
dog · 12–15 yrsTop Health Risks
- Hip dysplasia
- Progressive retinal atrophy
- Addison's disease
Avg. Lifetime Cost
$1,500–$5,000
Insurance Priority
Recommended
Beagle
dog · 12–15 yrsTop Health Risks
- Epilepsy
- Hip dysplasia
- Hypothyroidism
Avg. Lifetime Cost
$1,500–$4,500
Insurance Priority
Recommended
Rottweiler
dog · 8–10 yrsTop Health Risks
- Hip & elbow dysplasia
- Cancer
- Heart disease
Avg. Lifetime Cost
$2,500–$7,500
Insurance Priority
Essential
Yorkshire Terrier
dog · 13–16 yrsTop Health Risks
- Dental disease
- Tracheal collapse
- Luxating patella
Avg. Lifetime Cost
$1,500–$4,000
Insurance Priority
Recommended
Boxer
dog · 10–12 yrsTop Health Risks
- Cancer (high risk)
- Heart disease
- Hip dysplasia
Avg. Lifetime Cost
$2,500–$7,000
Insurance Priority
Essential
Siberian Husky
dog · 12–14 yrsTop Health Risks
- Hip dysplasia
- Eye conditions
- Hypothyroidism
Avg. Lifetime Cost
$1,500–$4,500
Insurance Priority
Recommended
Maine Coon
cat · 12–15 yrsTop Health Risks
- Hypertrophic cardiomyopathy
- Hip dysplasia
- Spinal muscular atrophy
Avg. Lifetime Cost
$2,000–$6,000
Insurance Priority
Essential
Persian
cat · 12–17 yrsTop Health Risks
- Polycystic kidney disease
- Breathing issues
- Eye conditions
Avg. Lifetime Cost
$2,500–$7,000
Insurance Priority
Essential
Siamese
cat · 15–20 yrsTop Health Risks
- Amyloidosis
- Asthma
- Progressive retinal atrophy
Avg. Lifetime Cost
$1,500–$5,000
Insurance Priority
Recommended
Ragdoll
cat · 12–17 yrsTop Health Risks
- Hypertrophic cardiomyopathy
- Bladder stones
- Obesity
Avg. Lifetime Cost
$2,000–$5,500
Insurance Priority
Recommended
Bengal
cat · 12–16 yrsTop Health Risks
- Progressive retinal atrophy
- Hypertrophic cardiomyopathy
- Flat-chested kitten syndrome
Avg. Lifetime Cost
$1,500–$4,500
Insurance Priority
Recommended
Domestic Shorthair
cat · 12–18 yrsTop Health Risks
- Hyperthyroidism (older cats)
- Kidney disease
- Dental disease
Avg. Lifetime Cost
$1,000–$4,000
Insurance Priority
Recommended
Understanding Breed Risk Levels
Risk levels reflect the likelihood and severity of hereditary or breed-specific health conditions over a pet's lifetime — not the risk of everyday accidents.
Generally healthy breeds with few hereditary conditions. Basic accident & illness coverage is usually sufficient.
Some hereditary conditions present. Accident & illness coverage with hereditary condition inclusion is strongly recommended.
Significant hereditary or structural health risks. Comprehensive coverage with unlimited benefits is essential — enroll early.
Ready to Protect Your Pet?
Compare the top-rated plans for your breed and get covered before a health issue becomes a pre-existing condition.