Bernese Mountain Dog insurance in Maryland: cost and what to look for
Short lifespan and one of the highest cancer rates of any breed; unlimited limits matter.
- $62–$103/mo est.Typical monthly premium in Maryland (2 yrs, 80%, $250 deductible)
- $960/yr est.Estimated yearly cost at the midpoint
- 5Breed-linked conditions to check coverage for
Which insurer fits a Bernese Mountain Dog? See our top picks by priority →
Insurers for a Bernese Mountain Dog in Maryland
Estimated monthly price for a 2-year-old at 80% reimbursement and a $250 deductible. These are BreedSure estimates, not quotes from the insurers; each insurer sets its own price.
Odie
Lowest est.14-day illness wait Limits $10,000 or $40,000 Exam fees extra Deductibles $250 or $500
$70/mo est.Plan details for OdieLemonade
14-day illness wait Limits $5,000 to $100,000 Exam fees extra Deductibles $100 / $250 / $500 / $750
$74/mo est.Plan details for LemonadePets Best
14-day illness wait Limits $5,000 to unlimited Exam fees included Deductibles $100 to $1,000
$76/mo est.Plan details for Pets BestEmbrace
14-day illness wait Limits $2,000 to unlimited Exam fees extra Deductibles $200 to $1,000
$80/mo est.Plan details for EmbraceSpot
14-day illness wait Limits $2,500 to unlimited Exam fees included Deductibles $100 to $1,000
$82/mo est.Plan details for Spot
Show 3 more insurersShow fewer insurers
Fetch
15-day illness wait Limits $5,000 to $15,000 Exam fees included Deductibles $250 to $2,500
$84/mo est.Plan details for FetchHealthy Paws
15-day illness wait Limits $5,000, $7,000 or unlimited Exam fees extra Deductibles $100 to $1,000
$88/mo est.Plan details for Healthy PawsTrupanion
30-day illness wait Limits Unlimited Exam fees extra Deductibles $0 to $1,000 per condition
$100/mo est.Plan details for Trupanion
Estimates updated Sep 2026 · How we estimate
Waiting period. How long after the policy starts before accidents, and then illnesses, are covered. Anything that begins during the wait is excluded. More in the glossaryAnnual limit. The most the policy pays in one policy year. "Unlimited" means there is no yearly cap. More in the glossaryExam fees. The vet's charge for the visit itself, usually $50 to $150, separate from tests and treatment. Some insurers include it; others sell it as an add-on. More in the glossaryDeductible. What you pay yourself before the insurer starts paying. Most reset every policy year; some insurers charge it once per condition. More in the glossaryWhat Bernese Mountain Dog owners claim for
- $3,000–$10,000[2]
- Hip dysplasia[3]very commonMalformed hip joint leading to arthritis. Treatment ranges from pain management to total hip replacement.$1,000–$6,000[4]
- $2,000–$7,500[6]
- $2,000–$5,000[8]
- Elbow dysplasia[9]commonDevelopmental elbow joint disease common in large breeds, often needs arthroscopic surgery.$1,500–$4,000[10]
What a Bernese Mountain Dog costs to insure by age in Maryland
Insured as a puppy, a Bernese Mountain Dog costs about 44% less per month than one enrolled at 8 (modeled). Conditions diagnosed before enrollment are excluded as pre-existing.
Low, typical and high estimates by age
| Age | Low | Typical | High |
|---|---|---|---|
| Puppy (under 1) | $56/mo est. | $72/mo est. | $93/mo est. |
| 2 years | $62/mo est. | $80/mo est. | $103/mo est. |
| 5 years | $74/mo est. | $95/mo est. | $124/mo est. |
| 8 years | $99/mo est. | $127/mo est. | $165/mo est. |
| 11 years | $137/mo est. | $175/mo est. | $228/mo est. |
Pet insurance in Maryland
Effective January 1, 2025, insurers must disclose all policy exclusions and limitations to a buyer, including pre-existing, chronic, and orthopedic condition exclusions and any waiting period, coinsurance, deductible, or annual/lifetime limit, and cannot require enrollment in a wellness program as a condition of buying a policy.
Source: Maryland General Assembly
Maryland Insurance Administration handles insurance complaints and consumer questions in Maryland, including about pet insurance.
The average routine vet visit for a dog in Maryland costs about $79.
Source: CareCredit
Maryland residents can attend the AVMA-accredited Virginia-Maryland College of Veterinary Medicine, a regional program jointly run with Virginia Tech that reserves about 30 seats per class for Maryland residents at in-state tuition and maintains the Gudelsky Veterinary Center in College Park, MD.
Bernese Mountain Dog insurance in other states
Questions people ask about insuring a Bernese Mountain Dog
How much does pet insurance cost for a Bernese Mountain Dog?
About $62 to $103 a month in Maryland for a 2-year-old at 80% reimbursement and a $250 deductible, in our model. Older dogs, lower deductibles and higher reimbursement cost more; each insurer sets its own price. How we estimate.
Does pet insurance cover Bernese Mountain Dog health problems like cancer?
Yes, as long as they are not pre-existing. Accident-and-illness plans cover hereditary and congenital conditions, including the ones Bernese Mountain Dogs are known for: cancer, hip dysplasia and bloat. All 8 insurers we compare cover hereditary conditions.
At what age should I insure a Bernese Mountain Dog?
As young as you can. A puppy has no pre-existing conditions yet, and premiums rise with age: in our model about $80 a month at 2 years and $127 at 8. When to insure, by age.
Is pet insurance worth it for a Bernese Mountain Dog?
For breeds with known expensive conditions, it usually is if you enroll young and keep the policy. One cancer bill can run $3,000 to $10,000, several years of premiums. The full math.
Why is the estimate different in Maryland?
Our model scales premiums by a state index built from each state's published average dog insurance premium. Insurers set their own prices, so this is an estimate, not a quote.
Questions owners of Bernese Mountain Dogs ask
Sources
- Diseases and Conditions. Bernese Mountain Dog Club of America (AKC parent club).
- Dog Chemotherapy Cost: How Much Is Dog Cancer Treatment?. Embrace Pet Insurance, 2025.
- Health Statement for the Bernese Mountain Dog Club of America. Bernese Mountain Dog Club of America (AKC parent club).
- Hip Dysplasia in Dogs Costs. Pets Best.
- The Genetics of Gastric Dilatation and Volvulus (Bloat) in Dogs: What Do We Know and Where Are We Going?. Tufts Canine and Feline Breeding and Genetics Conference 2015 (Claire R. Sharp, DACVECC; via VIN), 2015.
- Bloat in Dogs: What Pet Parents Need to Know. MetLife Pet Insurance.
- 2005 BMDCA Health Survey: Summary of Data. Bernese Mountain Dog Club of America, 2005.
- TPLO Surgery for Dogs. MetLife Pet Insurance.
- Table: Heritable Conformational Conditions Resulting in Canine Osteoarthritis. MSD Veterinary Manual.
- Elbow Dysplasia. Embrace Pet Insurance, 2021.
How we choose and check sources: Sources we use.
Get an estimate alert for your breed
We update our estimates monthly. We will email you when the estimate for your dog changes, and nothing else.