Breed profiles - reviewed October 4, 2026
Breeds and their premium anchors
Sorted by the published monthly anchor, highest first, from $124 per month to $59 per month across fifteen breeds. The ordering is the lesson: premiums track breed claim risk, and each profile names the conditions doing the pricing, the clauses to check, and what to do with the number. Every anchor is a published research sample labelled with its source, not a quote for your dog.
Rottweiler
Anchor $124/month, Large, 80 to 135 lb. The highest premium anchor in this set reflects cancer and orthopedic reality.
Source: AdvisorSmith published premium research (monthly average)
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Doberman Pinscher
Anchor $114/month, Large, 60 to 100 lb. Doberman economics are cardiac economics.
Source: MoneyGeek pet insurance cost analysis (monthly average)
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French Bulldog
Anchor $111/month, Small, 16 to 28 lb. French Bulldogs sit at the expensive end of every premium table because airway, skin, and spinal claims are common rather than unlucky.
Source: AdvisorSmith published premium research (monthly average)
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Bernese Mountain Dog
Anchor $108/month, Large, 70 to 115 lb. Bernese owners insure against cancer and emergencies inside a shorter lifespan.
Source: MoneyGeek pet insurance cost analysis (monthly average)
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Boxer
Anchor $103/month, Medium-large, 50 to 80 lb. Boxer insurance value shows up in diagnostics: lumps, heart checks, and repeat visits.
Source: AdvisorSmith published premium research (monthly average)
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English Bulldog
Anchor $100/month, Medium, 40 to 50 lb. This is the breed where owners most often discover that not all accident-and-illness policies treat airway conditions equally.
Source: MoneyGeek pet insurance cost analysis (monthly average)
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Great Dane
Anchor $99/month, Giant, 110 to 175 lb. Great Dane bills are scaled by size: anesthesia, medication doses, and surgery all price at giant-breed rates.
Source: MoneyGeek pet insurance cost analysis (monthly average)
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Labrador Retriever
Anchor $85/month, Large, 55 to 80 lb. Labrador insurance is mostly orthopedic insurance.
Source: AdvisorSmith published premium research (monthly average)
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Golden Retriever
Anchor $83/month, Large, 55 to 75 lb. Golden premiums buy cancer and diagnostic coverage in practice.
Source: AdvisorSmith published premium research (monthly average)
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German Shepherd
Anchor $80/month, Large, 50 to 90 lb. Shepherd value concentrates in hips, emergency surgery, and chronic digestive care.
Source: AdvisorSmith published premium research (monthly average)
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Pembroke Welsh Corgi
Anchor $76/month, Small-medium, 25 to 28 lb. Corgi insurance is spinal insurance.
Source: AdvisorSmith published premium research (monthly average)
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Standard Poodle
Anchor $75/month, Medium-large, 40 to 70 lb. Poodles are long-lived, so premiums compound over more years.
Source: AdvisorSmith published premium research (monthly average)
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Beagle
Anchor $72/month, Small-medium, 20 to 30 lb. Beagle insurance is a steady-state purchase: thyroid pills, the occasional seizure workup, weight-driven wear.
Source: AdvisorSmith published premium research (monthly average)
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Dachshund
Anchor $64/month, Small, 16 to 32 lb. For Dachshunds the entire insurance question is one clause: what happens when a disc goes.
Source: AdvisorSmith published premium research (monthly average)
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Australian Shepherd
Anchor $59/month, Medium, 40 to 65 lb. The lowest premium anchor among the large working breeds here.
Source: AdvisorSmith published premium research (monthly average)
Read the breed profile
How to read this table
The $65 per month spread between the highest and lowest anchors in this set, and the roughly $90 per month average of the fifteen anchors, are simple arithmetic on the published figures above. Use the spread to understand breed risk pricing, not to predict your quote. Open your breed profile for its risk notes and watch list, run the breed tool for a worked emergency example, and finish with a live quote. Anchors are published research averages (AdvisorSmith premium research; MoneyGeek pet insurance cost analysis), reviewed October 4, 2026.