Mastiff insurance in Louisiana: cost and what to look for

Giant breed with a short lifespan; joints, bloat and cancer drive very large bills.

$61–$101/mo est.Typical monthly premium in Louisiana (2 yrs, 80%, $250 deductible)
$936/yr est.Estimated yearly cost at the midpoint
5Breed-linked conditions to check coverage for

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

Breed

Age

Model updated Sep 2026 · No phone calls · Independent

Insurers for a Mastiff in Louisiana

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.

Odie
Lowest est.
14-day illness wait Limits $10,000 or $40,000 Exam fees extra Deductibles $250 or $500
$69/mo est.Plan details for Odie
Lemonade
14-day illness wait Limits $5,000 to $100,000 Exam fees extra Deductibles $100 / $250 / $500 / $750
$72/mo est.Plan details for Lemonade
Pets Best
14-day illness wait Limits $5,000 to unlimited Exam fees included Deductibles $100 to $1,000
$74/mo est.Plan details for Pets Best
Embrace
14-day illness wait Limits $2,000 to unlimited Exam fees extra Deductibles $200 to $1,000
$78/mo est.Plan details for Embrace
Spot
14-day illness wait Limits $2,500 to unlimited Exam fees included Deductibles $100 to $1,000
$80/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
$82/mo est.Plan details for Fetch
Healthy Paws
15-day illness wait Limits $5,000, $7,000 or unlimited Exam fees extra Deductibles $100 to $1,000
$86/mo est.Plan details for Healthy Paws
Trupanion
30-day illness wait Limits Unlimited Exam fees extra Deductibles $0 to $1,000 per condition
$98/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 glossary

What Mastiff 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]
Hip dysplasia^[3]very commonMalformed hip joint leading to arthritis. Treatment ranges from pain management to total hip replacement.
$1,000–$6,000^[4]
Cancer^[5]commonLymphoma, mast cell tumors, osteosarcoma; surgery, chemo or radiation.
$3,000–$10,000^[6]
Cruciate ligament tear (CCL)^[7]commonKnee ligament rupture, usually repaired with TPLO surgery.
$2,000–$5,000^[8]
Entropion^[9]commonInward-rolling eyelid; corrective surgery.
$300–$1,500^[10]

What a Mastiff costs to insure by age in Louisiana

Puppy$70/mo est.
2 yrs$78/mo est.
5 yrs$93/mo est.
8 yrs$125/mo est.
11 yrs$171/mo est.

Insured as a puppy, a Mastiff 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

Estimated monthly premiums by age for a Mastiff in Louisiana, 80% reimbursement, $250 deductible
Age	Low	Typical	High
Puppy (under 1)	$55/mo est.	$70/mo est.	$91/mo est.
2 years	$61/mo est.	$78/mo est.	$101/mo est.
5 years	$73/mo est.	$93/mo est.	$122/mo est.
8 years	$97/mo est.	$125/mo est.	$162/mo est.
11 years	$134/mo est.	$171/mo est.	$223/mo est.

Pet insurance in Louisiana

Effective January 1, 2024, a buyer gets a 15-day free-look period with full refund, no waiting period on accident coverage (illness/orthopedic waiting periods capped at 30 days), a ban on marketing wellness plans as insurance or requiring them for coverage, and a mandatory plain-language 'Insurer Disclosure of Important Policy Provisions' document covering exclusions, preexisting-condition definitions, and claim-payment methodology.
Source: Louisiana Legislature
Louisiana Department of Insurance handles insurance complaints and consumer questions in Louisiana, including about pet insurance.
Source: Louisiana Department of Insurance
The average routine vet visit for a dog in Louisiana costs about $63.
Source: CareCredit
LSU School of Veterinary Medicine in Baton Rouge has been AVMA-accredited since 1977, with a 24/7 Veterinary Teaching Hospital handling about 20,000 cases a year.
Source: LSU School of Veterinary Medicine

Questions people ask about insuring a Mastiff

How much does pet insurance cost for a Mastiff?

About $61 to $101 a month in Louisiana 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 Mastiff 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 Mastiffs are known for: bloat, hip dysplasia and cancer. All 8 insurers we compare cover hereditary conditions.

At what age should I insure a Mastiff?

As young as you can. A puppy has no pre-existing conditions yet, and premiums rise with age: in our model about $78 a month at 2 years and $125 at 8. When to insure, by age.

Is pet insurance worth it for a Mastiff?

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 Louisiana?

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 Mastiffs ask

Pet insurance for hip dysplasia and cruciate tears →The clause that decides whether a knee or hip claim is paid: how long each insurer makes you wait, and how to shorten it.
The bilateral exclusion in pet insurance →If one knee was a problem before the policy, many insurers won't cover the other one either. Here is who does what.
Does pet insurance cover cancer? →Cancer is one of the most expensive claims a dog can have. What each insurer says it covers.

Sources

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.
Mastiff Club of America health statement (CHIC tests). Mastiff Club of America (via AKC), 2016.
Hip Dysplasia in Dogs Costs. Pets Best.
Dog breeds and body conformations with predisposition to osteosarcoma in the UK: a case-control study. Canine Medicine and Genetics, 2021.
Dog Chemotherapy Cost: How Much Is Dog Cancer Treatment?. Embrace Pet Insurance, 2025.
Cranial Cruciate Ligament Disease. American College of Veterinary Surgeons.
TPLO Surgery for Dogs. MetLife Pet Insurance.
Conformational eyelid disorders in dogs under primary veterinary care in the UK - Epidemiology and clinical management. PLOS One (VetCompass), 2025.
Entropion. Embrace Pet Insurance, 2022.

How we choose and check sources: Sources we use.

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