Lemonade and AKC are the best pet insurance providers for Great Danes due to their comprehensive coverage options and strong customer service ratings. Other top-rated options include Pumpkin and Rainwalk.
Great Dane Insurance
Updated: September 1, 2025
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Key Takeaways
Lemonade and AKC are the best pet insurance companies for Great Danes, offering strong coverage and service quality.
Pumpkin offers the cheapest pet insurance rates for Great Danes, with an average monthly rate of around $60 for standard protection.
The average monthly premium for Great Danes is $206, making them the 8th most expensive dog breed to insure.
Best Great Dane Pet Insurance Companies
| AKC | 3.70 | $102 | 3 | 1 |
| Lemonade | 3.70 | $75 | 3 | 6 |
| Pumpkin | 3.60 | $60 | 3 | 11 |
| Rainwalk | 3.55 | $107 | 1 | 4 |
| Pets Best | 3.45 | $100 | 5 | 2 |
*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 Great Danes
MoneyGeek Rating
74/ of 5
3.5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$75Overall Sentiment
72% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical Therapy For New Accidents and Illness
Best Great Dane Pet Insurance by State
AKC leads Great Dane insurance coverage in 38 states nationwide. Lemonade ranks as the second-best option, topping the list in 26 states, including Alabama, Alaska and Arizona.
| Alabama | Lemonade | 3.75 |
| Alaska | Lemonade | 3.70 |
| Alaska | AKC | 3.70 |
| Arizona | Lemonade | 3.70 |
| Arizona | AKC | 3.70 |
| Arkansas | AKC | 3.90 |
| California | AKC | 3.75 |
| Colorado | AKC | 3.75 |
| Connecticut | AKC | 3.75 |
| Delaware | Lemonade | 3.70 |
| Delaware | AKC | 3.70 |
| Florida | AKC | 3.80 |
| Georgia | Lemonade | 3.70 |
| Hawaii | AKC | 3.75 |
| Idaho | Lemonade | 3.70 |
| Idaho | AKC | 3.70 |
| Illinois | Rainwalk | 3.75 |
| Illinois | AKC | 3.75 |
| Indiana | AKC | 3.80 |
| Iowa | Lemonade | 3.75 |
| Kansas | Lemonade | 3.70 |
| Kansas | AKC | 3.70 |
| Kansas | Rainwalk | 3.70 |
| Kentucky | AKC | 3.85 |
| Louisiana | Lemonade | 3.75 |
| Maine | Lemonade | 3.70 |
| Maine | AKC | 3.70 |
| Maryland | Lemonade | 3.75 |
| Massachusetts | Lemonade | 3.70 |
| Michigan | Lemonade | 3.70 |
| Minnesota | Lemonade | 3.70 |
| Minnesota | AKC | 3.70 |
| Mississippi | AKC | 3.75 |
| Mississippi | Lemonade | 3.75 |
| Missouri | Lemonade | 3.75 |
| Missouri | AKC | 3.75 |
| Montana | AKC | 3.75 |
| Montana | Lemonade | 3.75 |
| Nebraska | Lemonade | 3.70 |
| Nebraska | AKC | 3.70 |
| Nevada | Lemonade | 3.70 |
| Nevada | AKC | 3.70 |
| New Hampshire | Lemonade | 3.70 |
| New Hampshire | AKC | 3.70 |
| New Jersey | Lemonade | 3.70 |
| New Mexico | AKC | 3.85 |
| New York | AKC | 3.75 |
| North Carolina | Lemonade | 3.75 |
| North Dakota | AKC | 3.85 |
| Ohio | Lemonade | 3.70 |
| Ohio | AKC | 3.70 |
| Oklahoma | AKC | 3.90 |
| Oregon | AKC | 3.75 |
| Pennsylvania | AKC | 3.75 |
| Rhode Island | AKC | 3.80 |
| South Carolina | AKC | 3.80 |
| South Dakota | AKC | 3.85 |
| Tennessee | AKC | 3.75 |
| Texas | AKC | 3.75 |
| Utah | Lemonade | 3.70 |
| Vermont | AKC | 3.75 |
| Virginia | Lemonade | 3.70 |
| Washington | AKC | 3.95 |
| West Virginia | AKC | 3.75 |
| Wisconsin | Lemonade | 3.70 |
| Wyoming | AKC | 3.80 |
*Rates are based on a 6-year-old Great Dane 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 Great Dane Pet Insurance Companies
Pumpkin provides the most affordable pet insurance for Great Danes at $60 per month or $722 annually. Other budget-friendly options include Lemonade, ASPCA, Figo and Hartville.
| Pumpkin | $60 | $722 | 10% |
| Lemonade | $75 | $902 | 37% |
| ASPCA | $81 | $967 | 47% |
| Figo | $91 | $1,101 | 68% |
| Hartville | $93 | $1,115 | 70% |
*Rates are based on a 6-year-old Great Dane with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pumpkin
Cheapest Pet Insurance for Great Danes
MoneyGeek Rating
3.6/ of 5
3.9/5Affordability
4.4/5Customer Experience
1.7/5Coverage Options
Average Monthly Rate
$60Overall Customer Sentiment
79% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
90% reimbursement rate option
Cheapest Great Dane Pet Insurance by State
Pumpkin offers the most budget-friendly insurance for Great Danes, ranking lowest in 50 states. Monthly premiums range from $40 to $78, depending on your location.
| Alabama | Pumpkin | $44 | 4% |
| Alaska | Pumpkin | $59 | 8% |
| Arizona | Pumpkin | $73 | 13% |
| Arkansas | Pumpkin | $40 | 5% |
| California | Pumpkin | $76 | 17% |
| Colorado | Pumpkin | $76 | 12% |
| Connecticut | Pumpkin | $69 | 11% |
| Delaware | Pumpkin | $61 | 9% |
| Florida | Pumpkin | $68 | 11% |
| Georgia | Pumpkin | $54 | 12% |
| Hawaii | Pumpkin | $61 | 8% |
| Idaho | Pumpkin | $60 | 11% |
| Illinois | Pumpkin | $75 | 14% |
| Indiana | Pumpkin | $55 | 12% |
| Iowa | Pumpkin | $51 | 8% |
| Kansas | Pumpkin | $55 | 9% |
| Kentucky | Pumpkin | $48 | 4% |
| Louisiana | Pumpkin | $49 | 7% |
| Maine | Pumpkin | $73 | 10% |
| Maryland | Pumpkin | $59 | 1% |
| Massachusetts | Pumpkin | $78 | 13% |
| Michigan | Pumpkin | $60 | 10% |
| Minnesota | Pumpkin | $63 | 12% |
| Mississippi | Pumpkin | $51 | 8% |
| Missouri | Pumpkin | $48 | 8% |
| Montana | Pumpkin | $50 | 8% |
| Nebraska | Pumpkin | $55 | 9% |
| Nevada | Pumpkin | $63 | 11% |
| New Hampshire | Pumpkin | $70 | 12% |
| New Jersey | Pumpkin | $68 | 12% |
| New Mexico | Pumpkin | $53 | 8% |
| New York | Pumpkin | $66 | 11% |
| North Carolina | Pumpkin | $54 | 6% |
| North Dakota | Pumpkin | $46 | 8% |
| Ohio | Pumpkin | $55 | 7% |
| Oklahoma | Pumpkin | $50 | 8% |
| Oregon | Pumpkin | $75 | 13% |
| Pennsylvania | Pumpkin | $63 | 9% |
| Rhode Island | Pumpkin | $52 | 9% |
| South Carolina | Pumpkin | $57 | 12% |
| South Dakota | Pumpkin | $53 | 6% |
| Tennessee | Pumpkin | $56 | 11% |
| Texas | Pumpkin | $64 | 13% |
| Utah | Pumpkin | $58 | 8% |
| Vermont | Pumpkin | $56 | 8% |
| Virginia | Pumpkin | $64 | 8% |
| Washington | Pumpkin | $69 | 7% |
| West Virginia | Pumpkin | $52 | 10% |
| Wisconsin | Pumpkin | $65 | 8% |
| Wyoming | Pumpkin | $56 | 11% |
*Rates are based on a 6-year-old Great Dane 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 Great Dane Insurance Cost?
Monthly pet insurance for Great Danes ranges from $140 to $267 across the U.S., ranking as the 8th most expensive breed to insure. Your actual premium will vary based on your pet's age, location and chosen coverage options.
| Alabama | $155 | $1,862 | -24% |
| Alaska | $203 | $2,439 | -1% |
| Arizona | $245 | $2,943 | 19% |
| Arkansas | $140 | $1,673 | -32% |
| California | $255 | $3,058 | 24% |
| Colorado | $258 | $3,090 | 25% |
| Connecticut | $236 | $2,823 | 14% |
| Delaware | $208 | $2,501 | 1% |
| Florida | $234 | $2,809 | 14% |
| Georgia | $183 | $2,195 | -11% |
| Hawaii | $210 | $2,522 | 2% |
| Idaho | $205 | $2,463 | -0% |
| Illinois | $252 | $3,022 | 23% |
| Indiana | $186 | $2,228 | -10% |
| Iowa | $170 | $2,045 | -17% |
| Kansas | $187 | $2,244 | -9% |
| Kentucky | $165 | $1,976 | -20% |
| Louisiana | $166 | $1,995 | -19% |
| Maine | $248 | $2,980 | 21% |
| Maryland | $215 | $2,577 | 4% |
| Massachusetts | $267 | $3,200 | 30% |
| Michigan | $207 | $2,483 | 1% |
| Minnesota | $211 | $2,529 | 3% |
| Mississippi | $177 | $2,127 | -14% |
| Missouri | $163 | $1,955 | -21% |
| Montana | $175 | $2,096 | -15% |
| Nebraska | $184 | $2,214 | -10% |
| Nevada | $210 | $2,516 | 2% |
| New Hampshire | $236 | $2,836 | 15% |
| New Jersey | $230 | $2,762 | 12% |
| New Mexico | $181 | $2,173 | -12% |
| New York | $225 | $2,699 | 9% |
| North Carolina | $186 | $2,235 | -9% |
| North Dakota | $159 | $1,907 | -23% |
| Ohio | $192 | $2,298 | -7% |
| Oklahoma | $173 | $2,067 | -16% |
| Oregon | $255 | $3,065 | 24% |
| Pennsylvania | $217 | $2,593 | 5% |
| Rhode Island | $182 | $2,182 | -12% |
| South Carolina | $198 | $2,379 | -4% |
| South Dakota | $185 | $2,214 | -10% |
| Tennessee | $190 | $2,275 | -8% |
| Texas | $212 | $2,545 | 3% |
| Utah | $200 | $2,394 | -3% |
| Vermont | $192 | $2,299 | -7% |
| Virginia | $225 | $2,695 | 9% |
| Washington | $238 | $2,856 | 16% |
| West Virginia | $177 | $2,120 | -14% |
| Wisconsin | $222 | $2,662 | 8% |
| Wyoming | $189 | $2,271 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Great Dane. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect Great Dane Insurance Costs?
Great Danes rank as the eighth most expensive dog breed for pet insurance, with average premiums of $206 per month. Several breed-specific health factors drive these higher costs, and understanding them can help owners better manage their insurance expenses.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Great Danes face high-risk health conditions that insurers carefully evaluate. Gastric dilatation-volvulus (bloat) requires emergency surgery costing thousands. Cardiomyopathy, hip dysplasia and bone cancer frequently affect this breed, often requiring extensive treatment that increases lifetime veterinary expenses.
Size-Related Factors
Potential Vet Cost Increase: 40% to 75% higher vet costs
Large dog breeds require more medication and specialized medical equipment than average-sized dogs. Great Danes need higher anesthesia doses and pain medication during procedures. Recovery requires specialized equipment like extra-large crates and mobility support devices, adding costs to their care.
Lifespan Considerations
Annual Vet Costs By Age: $500 to $1,000 (Young) to $2,000 to $5,000 (Senior)
Great Danes live 7 to 10 years, shorter than most breeds. Age-related health issues develop earlier and progress more rapidly in this breed. Senior Great Danes need specialized veterinary care for joint problems, heart conditions and chronic health issues, leading to higher medical expenses.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Great Danes are powerful dogs with exercise needs that create injury risks. Their size and strength increase the likelihood of ligament tears, bone fractures and joint injuries during normal activity. Their protective instincts can lead to reactive behaviors, potentially affecting insurance coverage options.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Poor breeding practices increase genetic health problems in Great Danes, particularly heart conditions and skeletal issues. Insurance providers may exclude inherited conditions from coverage. Great Danes from health-tested parents with proper breeding documentation reduce future medical expenses and improve insurance eligibility.
Great Dane insurance needs vary based on individual medical history and budget. Consult your veterinarian to identify which health risks apply to your specific dog before selecting coverage.
INSURANCE RISK PREVENTION
Reduce your Great Dane's health risks through proactive care and smart choices. Choose a breeder who performs genetic health testing, and discuss gastropexy surgery with your vet to prevent life-threatening bloat. Feed a large-breed specific diet and maintain a lean weight to protect developing joints. Regular exercise keeps your gentle giant healthy, but avoid vigorous activity around mealtimes. Schedule routine heart checkups to catch issues early.
How to Get the Best Cheap Great Dane Pet Insurance
While Great Dane insurance costs can be steep, you'll find better rates by taking a few strategic steps.
- 1
Understand Your Coverage Needs
Great Danes face specific health risks like bloat and hip dysplasia that can lead to expensive vet bills. Review pet insurance coverage options to determine if accident-only or comprehensive coverage better suits your needs and budget.
- 2
Compare Insurance Providers
Research multiple pet insurance companies that cover large breeds. Look for providers with positive customer reviews and clear policies about covering breed-specific conditions.
- 3
Review Policy Details
Check waiting periods and pre-existing condition exclusions carefully. Most providers have breed-specific stipulations, so understand what's covered before committing to a plan.
- 4
Get Multiple Online Quotes
Request quotes from at least three different insurance providers. Prices can vary significantly for the same coverage level, so comparing multiple options often leads to better rates.
- 5
Review Coverage Annually
Set a yearly reminder to review your policy and get new quotes. Your Great Dane's needs change with age, and new insurance options may offer better value.
Great Dane Dog Insurance: Bottom Line
Lemonade and AKC are the best pet insurance providers for Great Dane insurance, while Pumpkin offers the most affordable monthly premiums. Both companies maintain strong overall quality scores. Compare coverage details from multiple providers to find the right balance of benefits and cost for your pet's needs. Pet insurance helps ensure your Great Dane gets quality care when health issues arise.
Pet Insurance for Great Dane: FAQ
Below are our expert answers to frequently asked questions about Great Dane insurance:
What is the best pet insurance provider for Great Danes overall?
Lemonade and AKC are the best pet insurance providers for Great Dane insurance, offering comprehensive coverage and exceptional customer experience ratings. While premiums run higher than average, their extensive protection and reliable service justify the investment.
Who offers the cheapest pet insurance for Great Danes?
Pumpkin offers the most affordable pet insurance for Great Danes, with monthly premiums starting at $60 for standard coverage. Actual rates will vary depending on your location and pet's specific circumstances.
How much does Great Dane insurance cost?
Great Danes rank as the 8th most expensive breed to insure, with an average monthly premium of $206. Monthly insurance rates can vary significantly by location, ranging from $140 to $267.
What are the most common accident and illness risks for Great Danes?
Great Danes commonly face bloat (a life-threatening stomach condition causing rapid swelling), hip dysplasia (joint malformation leading to arthritis and mobility issues) and dilated cardiomyopathy (heart muscle disease affecting blood flow). These serious health risks are primarily linked to their large size and genetic predisposition.
How We Found the Best and Cheapest Great Dane Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Great Danes. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Great Danes.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Great Dane
- $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.