Saint Bernard insurance in Tennessee: cost and what to look for
Giant breed with joint, heart and eye claims; treatment costs scale with the dog.
- $53–$88/mo est.Typical monthly premium in Tennessee (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 Saint Bernard? See our top picks by priority →
Insurers for a Saint Bernard in Tennessee
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 Saint Bernard owners claim for
- Hip dysplasia[1]very commonMalformed hip joint leading to arthritis. Treatment ranges from pain management to total hip replacement.$1,000–$6,000[2]
- $2,000–$7,500[4]
- Elbow dysplasia[5]commonDevelopmental elbow joint disease common in large breeds, often needs arthroscopic surgery.$1,500–$4,000[6]
- Heart disease (DCM / MVD)[7]commonCardiomyopathy or valve disease; diagnostics and lifelong medication.$1,100–$2,500[8]
- $300–$1,500[10]
What a Saint Bernard costs to insure by age in Tennessee
Insured as a puppy, a Saint Bernard 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. | $61/mo est. | $80/mo est. |
| 2 years | $53/mo est. | $68/mo est. | $88/mo est. |
| 5 years | $64/mo est. | $82/mo est. | $106/mo est. |
| 8 years | $85/mo est. | $109/mo est. | $141/mo est. |
| 11 years | $117/mo est. | $150/mo est. | $194/mo est. |
Pet insurance in Tennessee
A narrower, longstanding statute that predates the 2022 NAIC Pet Insurance Model Act and does not include NAIC-style protections like a mandated free-look period or standardized pre-existing-condition definitions. It defines 'pet,' authorizes insurers to offer group or individual pet health/medical policies with exclusions or deductibles, and requires every such policy to clearly disclose the annual premium and the benefits provided on the face of the policy.
Source: FindLaw
Tennessee Department of Commerce and Insurance (TDCI) handles insurance complaints and consumer questions in Tennessee, including about pet insurance.
Source: Tennessee Department of Commerce and Insurance (TDCI)
The average routine vet visit for a dog in Tennessee costs about $62.
Source: CareCredit
The University of Tennessee College of Veterinary Medicine in Knoxville operates the UT Veterinary Medical Center, whose Emergency/Critical Care service is staffed by board-certified criticalists and serves the public and referring veterinarians up to 365 days a year.
Source: University of Tennessee College of Veterinary Medicine
Saint Bernard insurance in other states
Questions people ask about insuring a Saint Bernard
How much does pet insurance cost for a Saint Bernard?
About $53 to $88 a month in Tennessee 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 Saint Bernard 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 Saint Bernards are known for: hip dysplasia, bloat and elbow dysplasia. All 8 insurers we compare cover hereditary conditions.
At what age should I insure a Saint Bernard?
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 Saint Bernard?
For breeds with known expensive conditions, it usually is if you enroll young and keep the policy. One bloat bill can run $2,000 to $7,500, several years of premiums. The full math.
Why is the estimate different in Tennessee?
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 Saint Bernards ask
Sources
- Hip Dysplasia in Dogs. VCA Animal Hospitals.
- Hip Dysplasia in Dogs Costs. Pets Best.
- Bloat: Gastric Dilatation and Volvulus in Dogs. VCA Animal Hospitals.
- Bloat in Dogs: What Pet Parents Need to Know. MetLife Pet Insurance.
- Radiographic Diagnosis of Developmental Orthopedic Disease of the Canine Elbow. Today's Veterinary Practice, 2023.
- Elbow Dysplasia. Embrace Pet Insurance, 2021.
- Dilated Cardiomyopathy in Dogs. VCA Animal Hospitals.
- 11 Most Expensive Dog Health Problems. MetLife Pet Insurance, 2025.
- Conformational eyelid disorders in dogs under primary veterinary care in the UK - Epidemiology and clinical management. PLOS One (VetCompass), 2025.
- Entropion. Embrace Pet Insurance, 2022.
How we choose and check sources: Sources we use.
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