Lemonade is the best pet insurance company for Tibetan Mastiffs due to its competitive rates and strong customer service standards. Also, consider AKC, Pumpkin and Rainwalk for coverage for your Tibetan Mastiffs.
Tibetan Mastiff Insurance
Updated: August 27, 2025
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Key Takeaways
Lemonade is the best pet insurance company for Tibetan Mastiffs, offering strong coverage and service quality.
Pumpkin offers the cheapest pet insurance rates for Tibetan Mastiffs, with an average monthly rate of $49 for standard protection.
The average monthly premium for Tibetan Mastiffs is $193, making them the 14th most expensive dog breed to insure.
Best Tibetan Mastiff Pet Insurance Companies
| Lemonade | 3.80 | $69 | 3 | 6 |
| AKC | 3.75 | $99 | 3 | 1 |
| Pumpkin | 3.70 | $49 | 3 | 11 |
| Rainwalk | 3.60 | $104 | 1 | 4 |
| Pets Best | 3.60 | $86 | 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 Tibetan Mastiffs
MoneyGeek Rating
3.8/ of 5
3.7/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$69Overall Sentiment
72% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical Therapy For New Accidents and Illness
Best Tibetan Mastiff Pet Insurance by State
Lemonade leads Tibetan Mastiff insurance coverage in 40 states nationwide. AKC ranks as the second-most-popular choice, earning top ratings in 26 states including Arkansas.
| Alabama | Lemonade | 3.85 |
| Alaska | Lemonade | 3.80 |
| Arizona | Lemonade | 3.80 |
| Arkansas | AKC | 3.90 |
| California | Lemonade | 3.80 |
| California | AKC | 3.80 |
| Colorado | Lemonade | 3.80 |
| Colorado | AKC | 3.80 |
| Connecticut | Lemonade | 3.80 |
| Connecticut | AKC | 3.80 |
| Delaware | Lemonade | 3.80 |
| Florida | AKC | 3.85 |
| Georgia | Lemonade | 3.80 |
| Hawaii | Lemonade | 3.80 |
| Hawaii | AKC | 3.80 |
| Idaho | Lemonade | 3.80 |
| Illinois | Lemonade | 3.80 |
| Illinois | Rainwalk | 3.80 |
| Illinois | AKC | 3.80 |
| Indiana | AKC | 3.85 |
| Iowa | Lemonade | 3.80 |
| Kansas | Lemonade | 3.80 |
| Kentucky | AKC | 3.90 |
| Kentucky | Lemonade | 3.90 |
| Louisiana | Lemonade | 3.80 |
| Maine | Lemonade | 3.80 |
| Maryland | Lemonade | 3.85 |
| Massachusetts | Lemonade | 3.80 |
| Michigan | Lemonade | 3.80 |
| Minnesota | Lemonade | 3.80 |
| Mississippi | Lemonade | 3.80 |
| Mississippi | AKC | 3.80 |
| Missouri | Lemonade | 3.85 |
| Montana | Lemonade | 3.80 |
| Montana | AKC | 3.80 |
| Nebraska | Lemonade | 3.80 |
| Nevada | Lemonade | 3.80 |
| New Hampshire | Lemonade | 3.80 |
| New Jersey | Lemonade | 3.80 |
| New Mexico | AKC | 3.90 |
| New York | Lemonade | 3.80 |
| New York | AKC | 3.80 |
| North Carolina | Lemonade | 3.80 |
| North Dakota | AKC | 3.90 |
| Ohio | Lemonade | 3.80 |
| Oklahoma | AKC | 3.90 |
| Oregon | Lemonade | 3.80 |
| Oregon | AKC | 3.80 |
| Pennsylvania | Lemonade | 3.80 |
| Pennsylvania | AKC | 3.80 |
| Rhode Island | AKC | 3.85 |
| South Carolina | AKC | 3.80 |
| South Dakota | AKC | 3.90 |
| Tennessee | Lemonade | 3.80 |
| Tennessee | AKC | 3.80 |
| Texas | Lemonade | 3.80 |
| Texas | AKC | 3.80 |
| Utah | Lemonade | 3.80 |
| Vermont | Lemonade | 3.80 |
| Vermont | AKC | 3.80 |
| Virginia | Lemonade | 3.80 |
| Washington | AKC | 4.00 |
| West Virginia | Lemonade | 3.80 |
| West Virginia | AKC | 3.80 |
| Wisconsin | Lemonade | 3.80 |
| Wyoming | Lemonade | 3.85 |
| Wyoming | AKC | 3.85 |
*Rates are based on a 6-year-old Tibetan Mastiff 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 Tibetan Mastiff Pet Insurance Companies
Pumpkin offers the lowest rates for Tibetan Mastiff insurance at $49 monthly or $587 annually. Other affordable providers include Lemonade, ASPCA, Figo and Pets Best.
| Pumpkin | $49 | $587 | 11% |
| Lemonade | $69 | $822 | 25% |
| ASPCA | $75 | $894 | 36% |
| Figo | $84 | $1,017 | 55% |
| Pets Best | $86 | $1,029 | 57% |
*Rates are based on a 6-year-old Tibetan Mastiff 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 Tibetan Mastiffs
MoneyGeek Rating
3.7/ of 5
4.1/5Affordability
4.4/5Customer Experience
1.7/5Coverage Options
Average Monthly Rate
$49Overall Customer Sentiment
79% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
No upper age limits for enrollment
Cheapest Tibetan Mastiff Pet Insurance by State
Pumpkin offers the most budget-friendly insurance for Tibetan Mastiffs nationwide, ranking lowest in 50 states. Monthly premiums range from $33 to $63, depending on location.
| Alabama | Pumpkin | $36 | 15% |
| Alaska | Pumpkin | $48 | 12% |
| Arizona | Pumpkin | $59 | 8% |
| Arkansas | Pumpkin | $33 | 15% |
| California | Pumpkin | $62 | 5% |
| Colorado | Pumpkin | $61 | 9% |
| Connecticut | Pumpkin | $56 | 10% |
| Delaware | Pumpkin | $49 | 11% |
| Florida | Pumpkin | $55 | 10% |
| Georgia | Pumpkin | $44 | 9% |
| Hawaii | Pumpkin | $49 | 12% |
| Idaho | Pumpkin | $49 | 10% |
| Illinois | Pumpkin | $60 | 7% |
| Indiana | Pumpkin | $44 | 9% |
| Iowa | Pumpkin | $41 | 12% |
| Kansas | Pumpkin | $44 | 11% |
| Kentucky | Pumpkin | $39 | 15% |
| Louisiana | Pumpkin | $39 | 13% |
| Maine | Pumpkin | $59 | 10% |
| Maryland | Pumpkin | $48 | 18% |
| Massachusetts | Pumpkin | $63 | 9% |
| Michigan | Pumpkin | $49 | 11% |
| Minnesota | Pumpkin | $51 | 9% |
| Mississippi | Pumpkin | $42 | 13% |
| Missouri | Pumpkin | $38 | 12% |
| Montana | Pumpkin | $41 | 12% |
| Nebraska | Pumpkin | $44 | 11% |
| Nevada | Pumpkin | $51 | 9% |
| New Hampshire | Pumpkin | $57 | 9% |
| New Jersey | Pumpkin | $55 | 9% |
| New Mexico | Pumpkin | $43 | 12% |
| New York | Pumpkin | $53 | 9% |
| North Carolina | Pumpkin | $43 | 13% |
| North Dakota | Pumpkin | $37 | 12% |
| Ohio | Pumpkin | $45 | 13% |
| Oklahoma | Pumpkin | $41 | 12% |
| Oregon | Pumpkin | $61 | 8% |
| Pennsylvania | Pumpkin | $51 | 11% |
| Rhode Island | Pumpkin | $42 | 12% |
| South Carolina | Pumpkin | $46 | 9% |
| South Dakota | Pumpkin | $43 | 13% |
| Tennessee | Pumpkin | $45 | 10% |
| Texas | Pumpkin | $52 | 8% |
| Utah | Pumpkin | $47 | 12% |
| Vermont | Pumpkin | $45 | 12% |
| Virginia | Pumpkin | $52 | 12% |
| Washington | Pumpkin | $56 | 13% |
| West Virginia | Pumpkin | $42 | 10% |
| Wisconsin | Pumpkin | $52 | 12% |
| Wyoming | Pumpkin | $45 | 10% |
*Rates are based on a 6-year-old Tibetan Mastiff 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 Tibetan Mastiff Insurance Cost?
Monthly insurance premiums for Tibetan Mastiffs range from $131 to $251 depending on your state. They rank as the 14th most expensive dog breed to insure nationwide, with costs varying based on your pet's specific needs and chosen coverage options.
| Alabama | $146 | $1,752 | -24% |
| Alaska | $191 | $2,292 | -1% |
| Arizona | $231 | $2,768 | 19% |
| Arkansas | $131 | $1,573 | -32% |
| California | $240 | $2,875 | 24% |
| Colorado | $242 | $2,906 | 25% |
| Connecticut | $221 | $2,653 | 14% |
| Delaware | $196 | $2,351 | 1% |
| Florida | $220 | $2,643 | 14% |
| Georgia | $172 | $2,064 | -11% |
| Hawaii | $198 | $2,372 | 2% |
| Idaho | $193 | $2,316 | -0% |
| Illinois | $237 | $2,842 | 23% |
| Indiana | $174 | $2,095 | -10% |
| Iowa | $160 | $1,923 | -17% |
| Kansas | $176 | $2,111 | -9% |
| Kentucky | $155 | $1,858 | -20% |
| Louisiana | $157 | $1,876 | -19% |
| Maine | $233 | $2,800 | 21% |
| Maryland | $202 | $2,425 | 5% |
| Massachusetts | $251 | $3,009 | 30% |
| Michigan | $195 | $2,336 | 1% |
| Minnesota | $198 | $2,378 | 3% |
| Mississippi | $167 | $1,999 | -14% |
| Missouri | $153 | $1,839 | -21% |
| Montana | $164 | $1,970 | -15% |
| Nebraska | $174 | $2,082 | -10% |
| Nevada | $197 | $2,366 | 2% |
| New Hampshire | $222 | $2,665 | 15% |
| New Jersey | $216 | $2,596 | 12% |
| New Mexico | $170 | $2,044 | -12% |
| New York | $212 | $2,538 | 9% |
| North Carolina | $175 | $2,103 | -9% |
| North Dakota | $149 | $1,792 | -23% |
| Ohio | $180 | $2,162 | -7% |
| Oklahoma | $162 | $1,944 | -16% |
| Oregon | $240 | $2,883 | 24% |
| Pennsylvania | $204 | $2,439 | 5% |
| Rhode Island | $171 | $2,052 | -12% |
| South Carolina | $185 | $2,224 | -4% |
| South Dakota | $174 | $2,082 | -10% |
| Tennessee | $178 | $2,139 | -8% |
| Texas | $199 | $2,394 | 3% |
| Utah | $188 | $2,251 | -3% |
| Vermont | $180 | $2,161 | -7% |
| Virginia | $211 | $2,535 | 9% |
| Washington | $224 | $2,686 | 16% |
| West Virginia | $166 | $1,992 | -14% |
| Wisconsin | $209 | $2,504 | 8% |
| Wyoming | $178 | $2,134 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Tibetan Mastiff. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Tibetan Mastiff Insurance Costs?
Tibetan Mastiffs rank as the 14th most expensive dog breed to insure, with premiums reflecting several breed-specific factors. Here's what drives these costs and how to keep coverage affordable.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Tibetan Mastiffs can face several breed-specific health challenges that insurers consider high-risk, making it essential to understand your coverage options. Hip dysplasia often requires costly corrective surgery in this breed. They are also prone to hypothyroidism, eye problems like entropion, and heart conditions. These hereditary health issues can lead to significant ongoing medical expenses.
Size-Related Factors
Potential Vet Cost Increase: 40% to 75% higher vet costs
Tibetan Mastiffs are giant-breed dogs, typically weighing 70 to 150 pounds, which affects their medical care costs. Their size requires larger medication doses, more anesthesia during surgeries, and specialized equipment. Recovery often involves extended periods and specialized mobility equipment like custom harnesses or reinforced rehabilitation tools.
Lifespan Considerations
Annual Vet Costs By Age: $500 to $1,000 (Young) to $2,500 to $5,000 (Senior)
Tibetan Mastiffs typically live 10 to 12 years, shorter than many breeds. Their shorter lifespan means age-related health issues develop earlier than in smaller breeds. Senior years bring higher veterinary costs due to arthritis management, organ function monitoring, and treatment of age-related conditions.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Tibetan Mastiffs were bred as guardian dogs, with strong protective instincts and territorial behavior. Their powerful build and protective nature can cause orthopedic injuries during guarding or exercise. Their guardian tendencies may affect insurance coverage options, particularly regarding liability coverage, though base premiums may remain unchanged.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Some breeding practices have increased genetic health risks in the Tibetan Mastiff population. Insurance providers may consider these breeding-related health concerns when determining coverage terms and exclusions. Selecting a puppy from health-tested parents with proper breeding documentation can help reduce future medical expenses and improve insurance coverage options.
Your Tibetan Mastiff's unique health profile matters most. When choosing coverage, consider your budget and your dog's specific medical history. Talk with your vet to identify your pet's risk factors and guide your insurance choice.
INSURANCE RISK PREVENTION
Protect your Tibetan Mastiff's health with preventive care and smart lifestyle choices. Keep your dog at a healthy weight through measured meals and daily walks, as excess weight strains their large frame. Choose breeders who perform OFA hip certifications and genetic health testing. Ask your vet about gastropexy surgery to prevent bloat, a common issue in large breeds. Regular six-month checkups help catch health problems early, saving money and worry over time.
How to Get the Best Cheap Tibetan Mastiff Pet Insurance
Smart research and comparison shopping can help you find affordable Tibetan Mastiff insurance coverage.
- 1
Evaluate Your Coverage Needs
Tibetan Mastiffs can suffer from health issues, like hip dysplasia and heart problems, that require expensive care. Review pet insurance coverage options to determine if accident-only or comprehensive coverage works better for your needs.
- 2
Compare Insurance Providers
Research multiple pet insurance companies that cover large breed dogs. Look at customer reviews, claim payment speed, and coverage limits to find reliable providers.
- 3
Review Policy Details
Check waiting periods and pre-existing condition rules before signing up. Most providers have a 14- to 30-day waiting period for illness coverage and specific rules about hereditary conditions.
- 4
Get Multiple Price Quotes
Request quotes from at least three providers. Prices can vary by hundreds of dollars for the same coverage level, so it's important to compare options.
- 5
Review Coverage Annually
Pet insurance rates often change at renewal time. Compare new quotes each year and adjust your coverage based on your dog's age and health needs.
Tibetan Mastiff Dog Insurance: Bottom Line
Lemonade ranks as the best-rated pet insurance provider for Tibetan Mastiffs, while Pumpkin offers the lowest monthly premiums at $49. We recommend comparing both insurers, along with other trusted options, to find coverage that matches your pet's needs and your budget. The right policy provides peace of mind and reliable coverage when health issues arise.
Pet Insurance for Tibetan Mastiff: FAQ
Our insurance experts answer the most common questions about protecting your Tibetan Mastiff with the right coverage.
What is the best pet insurance provider for Tibetan Mastiffs overall?
Lemonade offers the most comprehensive insurance for Tibetan Mastiffs, with strong coverage options and exceptional customer experience ratings. You'll pay more than average, but their extensive benefits and reliable service justify the cost.
Who offers the cheapest pet insurance for Tibetan Mastiff?
Pumpkin Insurance provides the most affordable pet insurance for Tibetan Mastiffs, with monthly premiums starting at $49 for standard coverage. Your rates will vary based on your pet's needs and your location.
How much does Tibetan Mastiff insurance cost?
At an average of $193 per month, Tibetan Mastiffs are the 14th most expensive breed to insure. Monthly rates across states vary widely, ranging from $131 to $251.
What are the most common accident and illness risks for Tibetan Mastiff?
Tibetan Mastiffs commonly suffer from hip and elbow dysplasia (which causes joint pain and limited mobility), bloat (a life-threatening stomach condition requiring immediate surgery) and hypothyroidism (an endocrine disorder affecting metabolism and coat health). These health risks stem from the breed's large size and genetic predisposition.
How We Found the Best and Cheapest Tibetan Mastiff Insurance
We analyzed pricing for all coverage levels, breeds and ages across all 50 states to find the best and cheapest pet insurance for Tibetan Mastiffs. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to create suggestions for Tibetan Mastiffs.
How We Determined Costs
All costs in this article use the following base profile:
- 6-year-old Tibetan Mastiff
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs reflect aggregated pricing for the breed across all coverage selections and all ages available for reasonable life expectancy ranges.
How We Rated Each Provider
We analyzed online sources for comprehensive ratings based on the following basic metrics:
- Affordability (50% of score): We compared relative affordability across competition for all profiles and combinations. Since variation between companies is minimal, we also included discounts as a minor component in the rating.
- Customer Experience (30% of score): We calculated ratings using sentiment analysis from internet sources, measuring positive, neutral and negative sentiment for each company for this score. More positive sentiment equals a higher rating.
- Coverage (20% of score): We reviewed all contract details for every provider in every state, examining add-on options, inclusions, exclusions and restrictions for this score. Pet insurance regulations vary widely by state; coverage options may differ by 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.