The best pet insurance company for Bernese Mountain Dogs is Lemonade due to its affordable premiums and reliable customer service. Other strong options include AKC, Rainwalk and Pumpkin.
Bernese Mountain Dog Insurance
Updated: September 5, 2025
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Key Takeaways
Lemonade is the best pet insurance company for Bernese Mountain Dogs, offering strong coverage and service with a MoneyGeek score of 74 out of 100.
The cheapest pet insurance rates for Bernese Mountain Dogs come from Lemonade, with average rates of around $77 monthly for standard protection.
The average monthly premium for Bernese Mountain Dogs is $226, making them the third most expensive dog breed to insure.
Best Bernese Mountain Dog Pet Insurance Companies
| Lemonade | 3.70 | $77 | 3 | 6 |
| AKC | 3.60 | $110 | 3 | 1 |
| Rainwalk | 3.45 | $118 | 1 | 4 |
| Pumpkin | 3.30 | $81 | 3 | 11 |
| Spot | 3.25 | $109 | 2 | 8 |
*Pet insurance coverage varies by state and provider. Rates shown are estimates; actual costs vary based on your pet's age, health and location. Coverage exclusions and waiting periods apply. Consult individual providers for specific terms.
Lemonade
Best for Bernese Mountain Dogs
MoneyGeek Rating
3.7/ 5
3.4/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$77Overall Sentiment
72% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical therapy and behavioral conditions coverage
Best Bernese Mountain Dog Pet Insurance by State
Lemonade ranks as the top pet insurance provider for Bernese Mountain Dogs in 42 states nationwide. AKC leads in 10 states, including Washington, South Carolina and Rhode Island.
| Alabama | Lemonade | 3.75 |
| Alaska | Lemonade | 3.70 |
| Arizona | Lemonade | 3.70 |
| Arkansas | AKC | 3.80 |
| California | Lemonade | 3.70 |
| Colorado | Lemonade | 3.70 |
| Connecticut | Lemonade | 3.70 |
| Delaware | Lemonade | 3.70 |
| Florida | Lemonade | 3.70 |
| Florida | AKC | 3.70 |
| Georgia | Lemonade | 3.70 |
| Hawaii | Lemonade | 3.70 |
| Idaho | Lemonade | 3.70 |
| Illinois | Lemonade | 3.70 |
| Indiana | AKC | 3.75 |
| Iowa | Lemonade | 3.70 |
| Kansas | Lemonade | 3.70 |
| Kentucky | Lemonade | 3.80 |
| Louisiana | Lemonade | 3.70 |
| Maine | Lemonade | 3.70 |
| Maryland | Lemonade | 3.75 |
| Massachusetts | Lemonade | 3.70 |
| Michigan | Lemonade | 3.70 |
| Minnesota | Lemonade | 3.70 |
| Mississippi | Lemonade | 3.70 |
| Missouri | Lemonade | 3.75 |
| Montana | Lemonade | 3.70 |
| Nebraska | Lemonade | 3.70 |
| Nevada | Lemonade | 3.70 |
| New Hampshire | Lemonade | 3.70 |
| New Jersey | Lemonade | 3.70 |
| New Mexico | AKC | 3.80 |
| New York | Lemonade | 3.70 |
| North Carolina | Lemonade | 3.70 |
| North Dakota | AKC | 3.80 |
| Ohio | Lemonade | 3.70 |
| Oklahoma | AKC | 3.80 |
| Oregon | Lemonade | 3.70 |
| Pennsylvania | Lemonade | 3.70 |
| Rhode Island | AKC | 3.70 |
| Rhode Island | Lemonade | 3.70 |
| South Carolina | AKC | 3.75 |
| South Dakota | AKC | 3.75 |
| Tennessee | Lemonade | 3.70 |
| Texas | Lemonade | 3.70 |
| Utah | Lemonade | 3.70 |
| Vermont | Lemonade | 3.70 |
| Virginia | Lemonade | 3.70 |
| Washington | AKC | 3.90 |
| West Virginia | Lemonade | 3.70 |
| Wisconsin | Lemonade | 3.70 |
| Wyoming | Lemonade | 3.75 |
*Rates are based on a 6-year-old Bernese Mountain Dog with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Cheapest Bernese Mountain Dog Pet Insurance Companies
Lemonade provides the most affordable pet insurance for Bernese Mountain Dogs at $77 per month or $922 per year. Other budget-friendly options include Pumpkin, ASPCA, Figo and Hartville.
| Lemonade | $77 | $922 | 41% |
| Pumpkin | $81 | $978 | 49% |
| ASPCA | $92 | $1,101 | 68% |
| Figo | $99 | $1,186 | 81% |
| Hartville | $105 | $1,263 | 92% |
*Rates are based on a 6-year-old Bernese Mountain Dog with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Cheapest Bernese Mountain Dog Pet Insurance by State
Lemonade offers the most affordable pet insurance for Bernese Mountain Dogs, ranking lowest in 50 states across the U.S. Monthly premiums range from $52 to $99, depending on your location.
| Alabama | Lemonade | $57 | 33% |
| Alaska | Lemonade | $75 | 38% |
| Arizona | Lemonade | $94 | 45% |
| Arkansas | Lemonade | $52 | 34% |
| California | Lemonade | $97 | 50% |
| Colorado | Lemonade | $97 | 43% |
| Connecticut | Lemonade | $88 | 42% |
| Delaware | Lemonade | $77 | 39% |
| Florida | Lemonade | $87 | 42% |
| Georgia | Lemonade | $69 | 43% |
| Hawaii | Lemonade | $78 | 38% |
| Idaho | Lemonade | $77 | 42% |
| Illinois | Lemonade | $95 | 46% |
| Indiana | Lemonade | $70 | 43% |
| Iowa | Lemonade | $65 | 38% |
| Kansas | Lemonade | $70 | 39% |
| Kentucky | Lemonade | $61 | 33% |
| Louisiana | Lemonade | $62 | 36% |
| Maine | Lemonade | $93 | 41% |
| Maryland | Lemonade | $75 | 29% |
| Massachusetts | Lemonade | $99 | 44% |
| Michigan | Lemonade | $77 | 40% |
| Minnesota | Lemonade | $80 | 43% |
| Mississippi | Lemonade | $65 | 37% |
| Missouri | Lemonade | $61 | 38% |
| Montana | Lemonade | $64 | 38% |
| Nebraska | Lemonade | $70 | 40% |
| Nevada | Lemonade | $80 | 42% |
| New Hampshire | Lemonade | $89 | 44% |
| New Jersey | Lemonade | $87 | 44% |
| New Mexico | Lemonade | $68 | 38% |
| New York | Lemonade | $84 | 42% |
| North Carolina | Lemonade | $69 | 36% |
| North Dakota | Lemonade | $59 | 38% |
| Ohio | Lemonade | $71 | 37% |
| Oklahoma | Lemonade | $64 | 38% |
| Oregon | Lemonade | $96 | 44% |
| Pennsylvania | Lemonade | $80 | 39% |
| Rhode Island | Lemonade | $67 | 39% |
| South Carolina | Lemonade | $75 | 46% |
| South Dakota | Lemonade | $68 | 36% |
| Tennessee | Lemonade | $71 | 42% |
| Texas | Lemonade | $81 | 44% |
| Utah | Lemonade | $73 | 38% |
| Vermont | Lemonade | $72 | 39% |
| Virginia | Lemonade | $82 | 38% |
| Washington | Lemonade | $89 | 36% |
| West Virginia | Lemonade | $67 | 41% |
| Wisconsin | Lemonade | $83 | 38% |
| Wyoming | Lemonade | $71 | 41% |
*Rates are based on a 6-year-old Bernese Mountain Dog with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
How Much Does Bernese Mountain Dog Insurance Cost?
Monthly pet insurance for Bernese Mountain Dogs ranges from $153 to $293, ranking as the third most expensive breed to insure nationwide. Your actual premium depends on your location and chosen coverage options.
| Alabama | $170 | $2,045 | -25% |
| Alaska | $223 | $2,679 | -1% |
| Arizona | $269 | $3,231 | 19% |
| Arkansas | $153 | $1,836 | -32% |
| California | $280 | $3,358 | 24% |
| Colorado | $283 | $3,393 | 25% |
| Connecticut | $259 | $3,100 | 14% |
| Delaware | $229 | $2,747 | 1% |
| Florida | $257 | $3,084 | 14% |
| Georgia | $201 | $2,409 | -11% |
| Hawaii | $230 | $2,769 | 2% |
| Idaho | $225 | $2,704 | -0% |
| Illinois | $276 | $3,318 | 23% |
| Indiana | $204 | $2,446 | -10% |
| Iowa | $187 | $2,245 | -17% |
| Kansas | $206 | $2,464 | -9% |
| Kentucky | $181 | $2,169 | -20% |
| Louisiana | $183 | $2,190 | -19% |
| Maine | $272 | $3,273 | 21% |
| Maryland | $236 | $2,829 | 4% |
| Massachusetts | $293 | $3,513 | 30% |
| Michigan | $227 | $2,727 | 1% |
| Minnesota | $231 | $2,777 | 3% |
| Mississippi | $195 | $2,336 | -14% |
| Missouri | $179 | $2,147 | -21% |
| Montana | $192 | $2,302 | -15% |
| Nebraska | $202 | $2,430 | -10% |
| Nevada | $230 | $2,762 | 2% |
| New Hampshire | $259 | $3,115 | 15% |
| New Jersey | $253 | $3,033 | 12% |
| New Mexico | $199 | $2,386 | -12% |
| New York | $247 | $2,963 | 9% |
| North Carolina | $204 | $2,454 | -9% |
| North Dakota | $174 | $2,094 | -23% |
| Ohio | $210 | $2,523 | -7% |
| Oklahoma | $189 | $2,270 | -16% |
| Oregon | $280 | $3,366 | 24% |
| Pennsylvania | $238 | $2,847 | 5% |
| Rhode Island | $200 | $2,396 | -12% |
| South Carolina | $218 | $2,617 | -3% |
| South Dakota | $203 | $2,430 | -10% |
| Tennessee | $208 | $2,497 | -8% |
| Texas | $233 | $2,794 | 3% |
| Utah | $219 | $2,628 | -3% |
| Vermont | $210 | $2,525 | -7% |
| Virginia | $246 | $2,959 | 9% |
| Washington | $261 | $3,136 | 16% |
| West Virginia | $194 | $2,328 | -14% |
| Wisconsin | $244 | $2,923 | 8% |
| Wyoming | $207 | $2,494 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Bernese Mountain Dog. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Bernese Mountain Dog Insurance Costs?
Bernese Mountain Dogs rank as the third most expensive breed to insure, with premiums averaging $226 per month. Breed-specific health factors drive these higher costs, but coverage remains affordable with proper planning.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Hip dysplasia commonly requires surgical intervention in Bernese Mountain Dogs, costing thousands of dollars. These dogs face high cancer risks, particularly histiocytic sarcoma, plus heart conditions and bloat. Genetic predisposition to serious health issues significantly impacts insurance coverage costs and exclusions.
Size-Related Factors
Potential Vet Cost Increase: 40% to 75% higher vet costs
Large-breed dogs weighing 70 to 115 pounds require more medical resources than smaller breeds. Bernese Mountain Dogs need larger medication doses, additional anesthesia during surgeries, and specialized equipment for treatment. Recovery periods extend longer, requiring physical therapy and mobility equipment like custom harnesses or orthopedic beds.
Lifespan Considerations
Annual Vet Costs By Age: $500 to $1,000 (Young) to $2,500 to $5,000 (Senior)
Bernese Mountain Dogs live 6 to 8 years, shorter than most breeds. Age-related health issues develop earlier and progress rapidly. Senior care costs increase dramatically after age 5, requiring frequent veterinary visits and complex treatments for multiple conditions.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Working farm dog heritage gives Bernese Mountain Dogs high activity levels and strong physical capabilities. Their size and energy make them susceptible to ligament tears, joint sprains, and bone fractures during exercise. Their protective nature and size can influence liability coverage, particularly for homeowners insurance policies.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Increased demand has led to breeding practices overlooking genetic health testing, resulting in more inherited conditions. Insurance providers consider this breed higher risk, affecting coverage terms and exclusions. Selecting puppies from health-tested parents with documented genetic screening reduces future medical expenses.
Your Bernese Mountain Dog has unique health needs that may differ from breed averages. When choosing insurance coverage, consider your pet's health history and budget.
INSURANCE RISK PREVENTION
Protect your Bernese Mountain Dog's health by working closely with your vet on preventive care. Choose a breeder who performs genetic health testing and provides documentation for hip, elbow and eye certifications. Keep your dog at a healthy weight through measured meals and regular exercise, but avoid strenuous activity right after eating. Schedule twice-yearly checkups to catch issues early, and ask your vet about preventive surgery options like gastropexy to reduce bloat risk. Daily joint supplements and maintaining a consistent exercise routine can help support your dog's mobility as they age.
How to Get the Best Cheap Bernese Mountain Dog Pet Insurance
While Bernese Mountain Dogs cost more to insure, smart comparison shopping can help you find affordable coverage.
- 1
Understand Your Coverage Needs
Bernese Mountain Dogs have specific health risks like hip problems and cancer that can be expensive to treat. Review pet insurance coverage options to find a plan that covers these breed-specific issues while fitting your budget.
- 2
Compare Insurance Companies
Get familiar with top pet insurance providers and their basic rates for large breeds. Look for companies with good reviews and clear policies about covering hereditary conditions.
- 3
Review Policy Details
Check waiting periods and exclusions before signing up. Pay special attention to coverage limits and conditions specific to large breeds like Bernese Mountain Dogs.
- 4
Get Multiple Price Quotes
Request quotes from at least three different insurance providers. Prices can vary significantly for the same coverage, so comparing multiple options helps find the best deal.
- 5
Review Coverage Annually
Check your policy and rates each year before renewal. Your dog's needs change with age, and new, more affordable options may become available.
Bernese Mountain Dog Insurance: Bottom Line
Lemonade is the best and most affordable pet insurance provider for Bernese Mountain Dogs, with monthly premiums starting at $77. While Lemonade's dual ranking makes it a strong choice, compare its coverage options with other insurers to find the right fit for your dog's needs. A well-chosen policy ensures your furry friend gets quality care when health issues arise.
Pet Insurance for Bernese Mountain Dog: FAQ
Our insurance experts answer your top questions about Bernese Mountain Dog coverage.
What is the best pet insurance provider for Bernese Mountain Dogs overall?
Lemonade offers the strongest insurance coverage for Bernese Mountain Dogs, featuring comprehensive protection and outstanding customer service with a 4.4/5 rating. Though premiums run higher than average, the extensive benefits justify the cost.
Who offers the cheapest pet insurance for Bernese Mountain Dogs?
Lemonade provides the most affordable pet insurance for Bernese Mountain Dogs, with monthly premiums starting at $77 for standard coverage. Note that actual rates will vary based on your location and pet's specific circumstances.
How much does Bernese Mountain Dog insurance cost?
With a monthly premium of $226, Bernese Mountain Dogs rank as the 3rd most expensive breed to insure. Monthly rates vary significantly by location, ranging from $153 to $293 depending on your state.
What are the most common accident and illness risks for Bernese Mountain Dogs?
Bernese Mountain Dogs commonly face hip and elbow dysplasia causing joint pain and limited mobility, gastric dilatation-volvulus (bloat) which is a life-threatening stomach condition, and cancers, particularly histiocytic sarcoma. These health challenges are largely attributed to the breed's large size and genetic predisposition.
How We Found the Best and Cheapest Bernese Mountain Dog Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Bernese Mountain Dogs. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Bernese Mountain Dogs.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Bernese Mountain Dog
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs provided were based on aggregated pricing for the breed for all coverage selections and all ages insured on the market within reasonable life expectancy limits.
How We Rated Each Provider
We analyzed online sources for comprehensive ratings based on the following basic metrics:
- Affordability (50% of score): This score aggregates ratings based on the relative affordability compared to competition for all profiles and all factor combinations. We also factored in discounts as a minor component to the rating, as there's only slight variation between companies.
- Customer Experience (30% of score): We used ratings derived from a general sentiment rating aggregated from all internet sources, determining positive, neutral and negative sentiment proportions for each company to get this score. More positive sentiment means a higher rating.
- Coverage (20% of score): We read all contract details for every provider in every state, considering add-on options, inclusions, exclusions and restrictions to derive this score. Pet insurance regulations vary widely by state, and coverage options may differ based on your location.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.