Neapolitan Mastiff insurance in Virginia: cost and what to look for
Breed health sources point to hip dysplasia, heart disease and cherry eye as the conditions to check coverage for.
- $54–$89/mo est.Typical monthly premium in Virginia (2 yrs, 80%, $250 deductible)
- $828/yr est.Estimated yearly cost at the midpoint
- 4Breed-linked conditions to check coverage for
Which insurer fits a Neapolitan Mastiff? See our top picks by priority →
Insurers for a Neapolitan Mastiff in Virginia
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
$61/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
$66/mo est.Plan details for Pets BestEmbrace
14-day illness wait Limits $2,000 to unlimited Exam fees extra Deductibles $200 to $1,000
$69/mo est.Plan details for EmbraceSpot
14-day illness wait Limits $2,500 to unlimited Exam fees included Deductibles $100 to $1,000
$70/mo est.Plan details for Spot
Show 3 more insurersShow fewer insurers
Fetch
15-day illness wait Limits $5,000 to $15,000 Exam fees included Deductibles $250 to $2,500
$72/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
$76/mo est.Plan details for Healthy PawsTrupanion
30-day illness wait Limits Unlimited Exam fees extra Deductibles $0 to $1,000 per condition
$86/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 Neapolitan Mastiff owners claim for
- Hip dysplasia[1]commonMalformed hip joint leading to arthritis. Treatment ranges from pain management to total hip replacement.$1,000–$6,000[2]
- Elbow dysplasia[1]commonDevelopmental elbow joint disease common in large breeds, often needs arthroscopic surgery.$1,500–$4,000[3]
- Heart disease (DCM / MVD)[1]commonCardiomyopathy or valve disease; diagnostics and lifelong medication.$1,100–$2,500[4]
- $300–$800[5]
Typical lifespan: 8–9 years. The giant size class used in our estimate comes from the same source's weight range[1].
What a Neapolitan Mastiff costs to insure by age in Virginia
Insured as a puppy, a Neapolitan Mastiff 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 | $54/mo est. | $69/mo est. | $89/mo est. |
| 5 years | $64/mo est. | $82/mo est. | $107/mo est. |
| 8 years | $86/mo est. | $110/mo est. | $143/mo est. |
| 11 years | $118/mo est. | $151/mo est. | $196/mo est. |
Pet insurance in Virginia
Virginia State Corporation Commission, Bureau of Insurance handles insurance complaints and consumer questions in Virginia, including about pet insurance.
Source: Virginia State Corporation Commission, Bureau of Insurance
The average routine vet visit for a dog in Virginia costs about $69.
Source: CareCredit
The Virginia-Maryland College of Veterinary Medicine at Virginia Tech runs a 24/7 Veterinary Teaching Hospital in Blacksburg with a board-certified small-animal Emergency and Critical Care service.
Neapolitan Mastiff insurance in other states
Questions people ask about insuring a Neapolitan Mastiff
How much does pet insurance cost for a Neapolitan Mastiff?
About $54 to $89 a month in Virginia 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 Neapolitan Mastiff health problems like hip dysplasia?
Yes, as long as they are not pre-existing. Accident-and-illness plans cover hereditary and congenital conditions, including the ones Neapolitan Mastiffs are known for: hip dysplasia, elbow dysplasia and heart disease. All 8 insurers we compare cover hereditary conditions.
At what age should I insure a Neapolitan Mastiff?
As young as you can. A puppy has no pre-existing conditions yet, and premiums rise with age: in our model about $69 a month at 2 years and $110 at 8. When to insure, by age.
Is pet insurance worth it for a Neapolitan Mastiff?
For breeds with known expensive conditions, it usually is if you enroll young and keep the policy. One hip dysplasia bill can run $1,000 to $6,000, several years of premiums. The full math.
Why is the estimate different in Virginia?
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 Neapolitan Mastiffs ask
Sources
- Neapolitan Mastiff. VCA Animal Hospitals.
- Hip Dysplasia in Dogs Costs. Pets Best.
- Elbow Dysplasia. Embrace Pet Insurance, 2021.
- 11 Most Expensive Dog Health Problems. MetLife Pet Insurance, 2025.
- Cherry Eye. Embrace Pet Insurance, 2024.
How we choose and check sources: Sources we use.
Get an estimate alert for your breed
We update our estimates monthly. We will email you when the estimate for your dog changes, and nothing else.