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: June 11, 2026
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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 cost of pet insurance for Great Danes is $206, making them the 8th most expensive dog breed to insure.
Best Great Dane Pet Insurance Companies
*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.
Learn more about the best pet insurance options for your Great Dane across different situations:
Lemonade
Best for Great Danes
MoneyGeek Rating
74/ 5
3.5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
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 | 3.7 |
| Alaska | AKC | 3.7 |
| Arizona | Lemonade | 3.7 |
| Arizona | AKC | 3.7 |
| Arkansas | AKC | 3.9 |
| California | AKC | 3.75 |
| Colorado | AKC | 3.75 |
| Connecticut | AKC | 3.75 |
| Delaware | Lemonade | 3.7 |
| Delaware | AKC | 3.7 |
| Florida | AKC | 3.8 |
| Georgia | Lemonade | 3.7 |
| Hawaii | AKC | 3.75 |
| Idaho | Lemonade | 3.7 |
| Idaho | AKC | 3.7 |
| Illinois | Rainwalk | 3.75 |
| Illinois | AKC | 3.75 |
| Indiana | AKC | 3.8 |
| Iowa | Lemonade | 3.75 |
| Kansas | Lemonade | 3.7 |
| Kansas | AKC | 3.7 |
| Kansas | Rainwalk | 3.7 |
| Kentucky | AKC | 3.85 |
| Louisiana | Lemonade | 3.75 |
| Maine | Lemonade | 3.7 |
| Maine | AKC | 3.7 |
| Maryland | Lemonade | 3.75 |
| Massachusetts | Lemonade | 3.7 |
| Michigan | Lemonade | 3.7 |
| Minnesota | Lemonade | 3.7 |
| Minnesota | AKC | 3.7 |
| 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 | 3.7 |
| Nebraska | AKC | 3.7 |
| Nevada | Lemonade | 3.7 |
| Nevada | AKC | 3.7 |
| New Hampshire | Lemonade | 3.7 |
| New Hampshire | AKC | 3.7 |
| New Jersey | Lemonade | 3.7 |
| New Mexico | AKC | 3.85 |
| New York | AKC | 3.75 |
| North Carolina | Lemonade | 3.75 |
| North Dakota | AKC | 3.85 |
| Ohio | Lemonade | 3.7 |
| Ohio | AKC | 3.7 |
| Oklahoma | AKC | 3.9 |
| Oregon | AKC | 3.75 |
| Pennsylvania | AKC | 3.75 |
| Rhode Island | AKC | 3.8 |
| South Carolina | AKC | 3.8 |
| South Dakota | AKC | 3.85 |
| Tennessee | AKC | 3.75 |
| Texas | AKC | 3.75 |
| Utah | Lemonade | 3.7 |
| Vermont | AKC | 3.75 |
| Virginia | Lemonade | 3.7 |
| Washington | AKC | 3.95 |
| West Virginia | AKC | 3.75 |
| Wisconsin | Lemonade | 3.7 |
| Wyoming | AKC | 3.8 |
*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/ 5
3.9/5Affordability
4.4/5Customer Experience
1.7/5Coverage Points
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 lowest Great Dane insurance premiums in MoneyGeek's analysis, ranking first for affordability across all 50 states. Monthly premiums range from $40 to $78, depending on 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, including deductibles, annual limits and reimbursement rates.
INSURANCE RISK PREVENTION
Choose a breeder who performs genetic health testing and discuss gastropexy surgery with your vet to prevent bloat. Feed a large-breed diet and maintain a lean body weight to protect developing joints. Regular moderate exercise supports joint and cardiovascular health; avoid vigorous activity around mealtimes. Schedule routine heart checkups to catch issues early.
How to Get the Best Cheap Great Dane Pet Insurance
Great Dane coverage costs more than average, but better rates are available by following these steps when getting pet insurance:
- 1Understand Your Coverage Needs
Great Danes are prone to specific health risks, including bloat and hip dysplasia, that affect how much coverage you need. Review pet insurance coverage options to determine whether accident-only or comprehensive coverage fits your budget and your dog's risk profile.
- 2Compare Insurance Providers
Research multiple companies that cover large breeds. Look for strong customer reviews, fast claim processing and clear policies on breed-specific conditions.
- 3Review Policy Details
Check waiting periods and pre-existing condition exclusions. Most providers include breed-specific stipulations; confirm which conditions qualify for reimbursement before enrolling.
- 4Get Multiple Online Quotes
Request quotes from at least three providers. Rates for the same deductible, annual limit and reimbursement rate vary across providers. Check for pet insurance discounts to reduce your premium.
- 5Review Coverage Annually
Review your policy and request new quotes before renewal each year. Your dog's needs shift with age, and newer plans may offer better value.
Great Dane Dog Insurance: Bottom Line
Lemonade and AKC are the top-rated pet insurance providers for Great Danes in MoneyGeek's analysis; Pumpkin offers the lowest monthly premiums. Compare coverage details from multiple providers to find the right balance of benefits and cost for your dog's needs.
Learn more about the best pet insurance providers for your Great Dane:
Pet Insurance for Great Dane: FAQ
Check out these expert answers to frequently asked questions about Great Dane insurance:
What is the best pet insurance provider for Great Danes?
Lemonade and AKC top our rankings with comprehensive coverage and strong customer satisfaction scores. You'll pay more than average, but the protection and service quality make it worthwhile.
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. Rates vary based on your location and pet's specific circumstances.
How much does Great Dane insurance cost?
Great Danes rank as the eighth most expensive breed to insure, with an average monthly premium of $206. Monthly insurance rates can vary 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 linked to their large size and genetic predisposition.
How We Found the Best and Cheapest Great Dane Insurance
Average costs reflect aggregated pricing across all coverage selections and ages within reasonable life expectancy limits for the breed. 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
Provider costs in this article are based on the following profile:
- 6-year-old Great Dane
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
How We Rated Each Provider
MoneyGeek analyzed provider ratings based on three metrics:
- Affordability (50% of score): Providers were scored on relative premium costs compared to competitors across all profiles and coverage combinations. Discounts were factored in as a minor component, since variation between companies is limited.
- Customer Experience (30% of score): Sentiment ratings from online sources were used, measuring the proportion of positive, neutral and negative reviews for each company. Higher positive sentiment produces a higher score.
- Coverage (20% of score): We reviewed all contract details for every provider in every state, considering add-on options, inclusions, exclusions and restrictions. Pet insurance regulations vary by state, and coverage options may differ by location.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes for human buyers rather than search engines.
For questions about MoneyGeek's business and pet insurance content, contact him at connor@moneygeek.com or on LinkedIn.