Great Dane insurance in Kentucky: cost and what to look for

Giant breed with short lifespan; bloat and heart disease dominate claims.

Great Dane

Which insurer fits a Great Dane? See our top picks by priority →

Model updated Sep 2026 · No phone calls · Independent

Insurers for a Great Dane in Kentucky

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.

All 8 insurers shown cover hereditary and congenital conditions.

  1. Odie

    Lowest est.

    14-day illness wait Limits $10,000 or $40,000 Exam fees extra Deductibles $250 or $500

    $51/mo est.Plan details

  2. Lemonade

    14-day illness wait Limits $5,000 to $100,000 Exam fees extra Deductibles $100 / $250 / $500 / $750

    $53/mo est.Plan details

  3. Pets Best

    14-day illness wait Limits $5,000 to unlimited Exam fees included Deductibles $100 to $1,000

    $55/mo est.Plan details

  4. Embrace

    14-day illness wait Limits $2,000 to unlimited Exam fees extra Deductibles $200 to $1,000

    $58/mo est.Plan details

  5. Spot

    14-day illness wait Limits $2,500 to unlimited Exam fees included Deductibles $100 to $1,000

    $59/mo est.Plan details
Show 3 more insurersShow fewer insurers

  1. Fetch

    15-day illness wait Limits $5,000 to $15,000 Exam fees included Deductibles $250 to $2,500

    $61/mo est.Plan details

  2. Healthy Paws

    15-day illness wait Limits $5,000, $7,000 or unlimited Exam fees extra Deductibles $100 to $1,000

    $64/mo est.Plan details

  3. Trupanion

    30-day illness wait Limits Unlimited Exam fees extra Deductibles $0 to $1,000 per condition

    $73/mo est.Plan details

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 glossary

What Great Dane owners claim for

Typical treatment cost per episode, in USD. Check that a policy covers hereditary conditions and has an annual limit above these costs.
  • Bloat (GDV)[1]very commonLife-threatening stomach twist in deep-chested breeds; emergency surgery.
    $2,000–$7,500[2]
  • Heart disease (DCM / MVD)[3]very commonCardiomyopathy or valve disease; diagnostics and lifelong medication.
    $1,100–$2,500[4]
  • Cancer[5]commonLymphoma, mast cell tumors, osteosarcoma; surgery, chemo or radiation.
    $3,000–$10,000[6]
  • Hip dysplasia[7]commonMalformed hip joint leading to arthritis. Treatment ranges from pain management to total hip replacement.
    $1,000–$6,000[8]
  • Hypothyroidism[7]occasionalUnderactive thyroid; blood tests and daily medication.
    $290–$750[9]

What a Great Dane costs to insure by age in Kentucky

Insured as a puppy, a Great Dane 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
AgeLowTypicalHigh
Puppy (under 1)$40/mo est.$52/mo est.$67/mo est.
2 years$45/mo est.$58/mo est.$75/mo est.
5 years$54/mo est.$69/mo est.$90/mo est.
8 years$72/mo est.$92/mo est.$120/mo est.
11 years$99/mo est.$127/mo est.$165/mo est.

Great Dane insurance in other states

Compare all 139 breeds in Kentucky →

Questions people ask about insuring a Great Dane

How much does pet insurance cost for a Great Dane?

About $45 to $75 a month in Kentucky 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 Great Dane health problems like bloat?

Yes, as long as they are not pre-existing. Accident-and-illness plans cover hereditary and congenital conditions, including the ones Great Danes are known for: bloat, heart disease and cancer. All 8 insurers we compare cover hereditary conditions.

At what age should I insure a Great Dane?

As young as you can. A puppy has no pre-existing conditions yet, and premiums rise with age: in our model about $58 a month at 2 years and $92 at 8. When to insure, by age.

Is pet insurance worth it for a Great Dane?

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 Kentucky?

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 Great Danes ask

Sources

  1. Gastric Dilation and Volvulus in Small Animals. Merck Veterinary Manual.
  2. Bloat in Dogs: What Pet Parents Need to Know. MetLife Pet Insurance.
  3. Dilated Cardiomyopathy in Dogs and Cats. Merck Veterinary Manual.
  4. 11 Most Expensive Dog Health Problems. MetLife Pet Insurance, 2025.
  5. Dog breeds and conformations predisposed to osteosarcoma in the UK: a VetCompass study. Canine Medicine and Genetics (via PMC), 2023.
  6. Dog Chemotherapy Cost: How Much Is Dog Cancer Treatment?. Embrace Pet Insurance, 2025.
  7. Working Group Health Testing Requirements. American Kennel Club.
  8. Hip Dysplasia in Dogs Costs. Pets Best.
  9. Hypothyroidism. Embrace Pet Insurance, 2021.

How we choose and check sources: Sources we use.

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