Great Dane insurance in Louisiana: cost and what to look for
Giant breed with short lifespan; bloat and heart disease dominate claims.
- $53–$89/mo est.Typical monthly premium in Louisiana (2 yrs, 80%, $250 deductible)
- $816/yr est.Estimated yearly cost at the midpoint
- 5Breed-linked conditions to check coverage for
Which insurer fits a Great Dane? See our top picks by priority →
Insurers for a Great Dane 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.
Odie
Lowest est.14-day illness wait Limits $10,000 or $40,000 Exam fees extra Deductibles $250 or $500
$60/mo est.Plan details for OdieLemonade
14-day illness wait Limits $5,000 to $100,000 Exam fees extra Deductibles $100 / $250 / $500 / $750
$63/mo est.Plan details for LemonadePets Best
14-day illness wait Limits $5,000 to unlimited Exam fees included Deductibles $100 to $1,000
$65/mo est.Plan details for Pets BestEmbrace
14-day illness wait Limits $2,000 to unlimited Exam fees extra Deductibles $200 to $1,000
$68/mo est.Plan details for EmbraceSpot
14-day illness wait Limits $2,500 to unlimited Exam fees included Deductibles $100 to $1,000
$69/mo est.Plan details for Spot
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Fetch
15-day illness wait Limits $5,000 to $15,000 Exam fees included Deductibles $250 to $2,500
$71/mo est.Plan details for FetchHealthy Paws
15-day illness wait Limits $5,000, $7,000 or unlimited Exam fees extra Deductibles $100 to $1,000
$75/mo est.Plan details for Healthy PawsTrupanion
30-day illness wait Limits Unlimited Exam fees extra Deductibles $0 to $1,000 per condition
$85/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 glossaryWhat Great Dane owners claim for
- $2,000–$7,500[2]
- Heart disease (DCM / MVD)[3]very commonCardiomyopathy or valve disease; diagnostics and lifelong medication.$1,100–$2,500[4]
- $3,000–$10,000[6]
- Hip dysplasia[7]commonMalformed hip joint leading to arthritis. Treatment ranges from pain management to total hip replacement.$1,000–$6,000[8]
- $290–$750[9]
What a Great Dane costs to insure by age in Louisiana
Insured as a puppy, a Great Dane 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
| Age | Low | Typical | High |
|---|---|---|---|
| Puppy (under 1) | $48/mo est. | $62/mo est. | $80/mo est. |
| 2 years | $53/mo est. | $68/mo est. | $89/mo est. |
| 5 years | $64/mo est. | $82/mo est. | $107/mo est. |
| 8 years | $85/mo est. | $109/mo est. | $142/mo est. |
| 11 years | $117/mo est. | $150/mo est. | $196/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.
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.
Great Dane insurance in other states
Questions people ask about insuring a Great Dane
How much does pet insurance cost for a Great Dane?
About $53 to $89 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 Great Dane 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 Great Danes are known for: bloat, heart disease and cancer. All 8 insurers we compare cover hereditary conditions.
At what age should I insure a Great Dane?
As young as you can. A puppy has no pre-existing conditions yet, and premiums rise with age: in our model about $68 a month at 2 years and $109 at 8. When to insure, by age.
Is pet insurance worth it for a Great Dane?
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 Great Danes ask
Sources
- Gastric Dilation and Volvulus in Small Animals. Merck Veterinary Manual.
- Bloat in Dogs: What Pet Parents Need to Know. MetLife Pet Insurance.
- Dilated Cardiomyopathy in Dogs and Cats. Merck Veterinary Manual.
- 11 Most Expensive Dog Health Problems. MetLife Pet Insurance, 2025.
- Dog breeds and conformations predisposed to osteosarcoma in the UK: a VetCompass study. Canine Medicine and Genetics (via PMC), 2023.
- Dog Chemotherapy Cost: How Much Is Dog Cancer Treatment?. Embrace Pet Insurance, 2025.
- Working Group Health Testing Requirements. American Kennel Club.
- Hip Dysplasia in Dogs Costs. Pets Best.
- Hypothyroidism. Embrace Pet Insurance, 2021.
How we choose and check sources: Sources we use.
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