Bernese mountain dog insurance
Thinking about insurance for your Bernese Mountain Dog? The good news is that every US insurer we compare will insure Bernese Mountain Dogs, and none of them excludes the breed. What's most useful to know is which health problems Bernese Mountain Dogs claim for most often, so you can check a policy covers them well. Here they are by life stage, with what each one typically costs to treat in a year, along with how long Bernese Mountain Dogs usually live.
What health problems do Bernese Mountain Dogs have?
These are the conditions most often claimed for Bernese Mountain Dogs at each stage of life, from Trupanion's claims data, with the typical cost of treatment in a year. "Likely" compares Bernese Mountain Dogs with the average dog in Trupanion's data. Each bar shows the cost range on the same scale, so you can see which problems cost most.
As a puppy
- Elbow dysplasiaan elbow joint that doesn't develop properly$600 to $1,400 a year4 times as likely as the average dog
- Swallowing something they shouldn't$900 to $2,300 a year2 times as likely as the average dog
- Lameness and limping$300 to $600 a year2 times as likely as the average dog
As an adult
- Torn cruciate ligamenta knee injury that often needs surgery$4,300 to $5,400 a year3 times as likely as the average dogWaiting periods for cruciate ligament cover
- Lameness and limping$300 to $600 a year2 times as likely as the average dog
- Lumps and masses$400 to $700 a year90% more likely than the average dog
As a senior
- Lymphomaa cancer of the lymph system$3,200 to $5,600 a year4.5 times as likely as the average dogDoes pet insurance cover cancer?
- Arthritis$400 to $700 a year30% more likely than the average dogNationwide's 2025 claims: 80% of osteoarthritis claims cost up to $420 in the first 30 days and $1,245 in the first year.
- Histiocytic sarcomaa type of cancer$2,300 to $3,900 a yearMore than 10 times as likely as the average dogDoes pet insurance cover cancer?
Source: Trupanion, Commonly Claimed Conditions (US claims data, June 2019); Nationwide's most common claims of 2025. Costs are Trupanion's average yearly cost of treatment, in US dollars.
What to check in a policy for a Bernese Mountain Dog
Some of the conditions above have their own rules in pet insurance policies, such as longer waiting periods or exclusions if signs show early on. These guides show how each insurer handles them.
Which insurers cover Bernese Mountain Dogs?
All of these US insurers will insure a Bernese Mountain Dog. Click a name to see what that policy covers.
Your questions answered
Can you get insurance for a Bernese Mountain Dog?
Yes. All 9 US insurers we compare will insure a Bernese Mountain Dog, and none of their policies excludes the breed.
How long do Bernese Mountain Dogs live?
The American Kennel Club gives a life expectancy of 7 to 10 years for the Bernese Mountain Dog. It's worth choosing cover that stays with your dog for life, because the conditions Bernese Mountain Dogs claim for most tend to change as they get older.
Is Bernese mountain dog insurance more expensive?
We don't list prices, because they depend on your dog and where you live. Insurers do price by breed: Figo, for example, says premiums are based on the species or breed of your pet. The best way to compare is to get quotes and check how each policy covers the conditions Bernese Mountain Dogs are most likely to need.
What health problems are Bernese Mountain Dogs prone to?
In Trupanion's US claims data, the costliest conditions claimed for Bernese Mountain Dogs include lymphoma, torn cruciate ligament and histiocytic sarcoma. The full list by life stage is above.
Health data from Trupanion's US claims (June 2019) and Nationwide's 2025 claims; lifespan from the American Kennel Club; which insurers cover the breed from each insurer's own documents and exclusion lists, read in October 2026. Check the policy before you buy.
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