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The Newfoundland, affectionately known as the Newfie, is celebrated for its gentle demeanor, stunning appearance, and remarkable strength. This breed ranks among the favorites for families, serving as both loving companions and vigilant guardians. However, their large size and genetic predispositions make them vulnerable to various costly health issues, such as canine bloat, orthopedic and neurological disorders, skin allergies, bladder stones, heart disease, cancer, and more.
Addressing your dog’s health challenges can lead to considerable emotional and financial stress. Fortunately, pet insurance can help alleviate some of these burdens by covering a significant portion of your Newfie’s veterinary bills. With a decade of experience in pet insurance and an understanding of breed-specific health concerns, I will walk you through the common health problems faced by Newfoundlands and the potential treatment costs. Furthermore, I will help you assess whether pet insurance is the right fit for your situation and share my top recommendations for Newfoundland insurance policies.
Best Pet Insurance For Newfoundlands
Every purebred dog, including Newfoundlands, comes with unique insurance needs based on potential breed-specific health concerns. Through thorough research, I’ve identified top pet insurance choices for Newfies to help you narrow down your choices. In addition to possible health issues, I considered other crucial factors such as coverage options, customization options, premium pricing, age-specific needs, and more.
| Best For | Company | Get Quotes | Read In-Depth Reviews |
|---|---|---|---|
| Hip/Elbow Dysplasia |  |  | Read Review |
| All-Inclusive Policies |  | | Read Review |
| Unlimited Payouts |  | | Read Review |
| Most Affordable |  | | Read Review |
| Customizable Plans |  | | Read Review |
| Newfoundland Puppies |  | | Read Review |
| Vet Direct Pay |  | | Read Review |
Best For Hip & Elbow Dysplasia: Pets Best
- Policy Options: Accident-Only, Accident & Illness, Wellness
- Annual Deductible Options: $50, $100, $200, $250, $500, $1,000
- Annual Payout Options: $5,000, $10,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Pets Best
Newfoundlands are notably prone to hip and elbow dysplasia, genetic orthopedic conditions that lead to abnormal joint development and bone friction, raising significant concerns for their well-being and mobility. This condition can result in pain, stiffness, and lameness, often necessitating costly surgery to enhance their quality of life. While many leading pet insurance providers impose a 6-month waiting period for hip dysplasia coverage, Pets Best offers a much shorter waiting time of just 14 days.
Pets Best is also a top choice for Newfies due to its comprehensive policies and competitive pricing. They provide three levels of accident and illness plans, along with a variety of customizable options for deductibles, reimbursement rates, and annual payouts, enabling you to tailor a policy that fits your budget. Moreover, they are among the few insurers offering an accident-only plan.
Expert Price Analysis
While reviewing Newfoundland quotes across various ages and locations, I discovered that Pets Best pricing frequently fell either slightly below or just about average for a policy with a $500 deductible, 90% reimbursement, and $5,000 payout. In numerous instances, its basic plan ($1,000 deductible, 70% reimbursement, and a $5,000 cap) stood out as one of the most budget-friendly options compared to similar offerings from other insurance providers.
| Pros | Cons |
|---|---|
| 14-day waiting period for coverage of hip/elbow dysplasia is significantly shorter than many | Claim processing takes an average of 18-30 days |
| Offers an accident-only policy and 3 accident and illness plans | Plan upgrades necessary for veterinary exam costs and complementary therapy* coverage |
| Covers pre-existing conditions that can be cured once they’ve healed | CCL injuries are excluded from its accident-only plan |
| Save 5% on premiums by insuring multiple pets | |
| 2 wellness plan add-ons to choose from | |
| Doesn’t impose coverage or age restrictions for older dogs |
In-Depth Review Of Pets Best
Explore the various plan options, waiting periods, reimbursement process, and additional information about this provider in my extensive review of Pets Best.
Best For All-Inclusive Policies: Fetch
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $250, $300, $400, $500, $600, $700
- Annual Payout Options: $5,000, $10,000, $15,000
- Reimbursement Options: 60%, 70%, 80%, 90%
Why I Picked Fetch
Fetch is a fantastic option for Newfie owners seeking all-inclusive pet insurance without the complications of upgrades or extra add-ons. What sets Fetch apart in the pet insurance landscape is that every policy covers vet exam fees, complementary care, dental illnesses, behavioral therapies, and C-sections. Unlike many competitors, these benefits are part of the standard package and don’t incur any extra costs.
Beyond this comprehensive coverage, Fetch also presents some standout features. For example, all policies include up to $1,000 per year (with no deductible) for online vet consultations. Additionally, they provide trip cancellation coverage in case your pet becomes unwell. Fetch goes above and beyond by offering pre-approval for procedures and cost estimates before treatment. This assurance that your Newfie is already cleared for necessary vet care can bring immense peace of mind.
Expert Price Analysis
When I compared quotes I ran, Fetch’s pricing for a Newfoundland pet insurance policy with its maximum benefits ($15,000 payout, 90% reimbursement, and $100 deductible) was sometimes more affordable than other insurers offering similar coverage. For lower coverage, Fetch’s pricing was often above average.
| Pros | Cons |
|---|---|
| All-inclusive policies requiring no upgrades or add-ons | Waiting period for accidents is longer than average (15 days) |
| Covers curable pre-existing conditions once a year has passed with no symptoms | Hip dysplasia and CCL coverage have 6-month waiting periods |
| Every policy comes with unique perks, such as $1,000 for virtual vet consultations | No premium discounts for insuring multiple pets |
| Wellness plan add-on available | |
| Provides pre-approval for procedures and their costs | |
| Doesn’t impose coverage or age restrictions for older dogs |
In-Depth Review Of Fetch
For a thorough understanding of this insurer’s comprehensive policies, unique benefits, customizations, waiting periods, and other features, read my in-depth review of Fetch.
Best For Unlimited Payouts: Healthy Paws
- Policy Options: Accident & Illness
- Annual Deductible Options: $100, $250, $500, $750, $1,000
- Annual Payout Options: Unlimited
- Reimbursement Options: 50%, 60%, 70%, 80%, 90%
Why I Picked Healthy Paws
Given the potential for unexpected accidents or expensive genetic health issues that your Newfoundland may encounter, looking into pet insurance options offering unlimited payouts is a good idea. Healthy Paws is often highlighted as a top choice for those seeking unlimited coverage. Their plans come without any annual or lifetime caps, ensuring you can rest easy knowing you’ll never hit a maximum coverage limit.
While many insurers increase premiums for unlimited payout options, Healthy Paws remains competitively priced. When you stack their plans against other companies that also provide unlimited annual payouts, along with comparable deductibles and reimbursement rates, you’ll discover that Healthy Paws can often be a more cost-effective solution. In fact, for some Newfoundlands, choosing Healthy Paws might be a more affordable option than policies with lower payout ceilings.
Expert Price Analysis
Healthy Paws stands out by providing unlimited payouts in all policies, which complicates direct comparisons of their premium rates with those of other insurance providers. Nevertheless, after reviewing several quotes, I discovered that their rates for Newfoundlands were typically only marginally higher than those from other companies offering a $5,000 payout and comparable deductibles and reimbursement options.
| Pros | Cons |
|---|---|
| Every policy has unlimited payouts (annual and lifetime) | Minimal options for deductible and reimbursement customizations for Newfies |
| Affordable pricing compared to comparable coverage from other providers | Doesn’t offer coverage for behavioral therapy or vet exam fees |
| Average claim processing time is only 2 days | Some Newfies are uninsurable based on age and location |
| 15-day waiting period for coverage of CCL ruptures is significantly shorter than many | 12-month waiting period for hip dysplasia coverage is much longer than average |
| Includes complementary care coverage | Hip dysplasia coverage is excluded for dogs who enroll at age 6 or older |
| Lengthy record of happy clients |
In-Depth Review Of Healthy Paws
Check out my detailed review of Healthy Paws to gain a thorough grasp of this provider’s advantages, customization options, quick claim processing, waiting periods, and more.
Most Affordable: Figo
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750
- Annual Payout Options: $5,000, $10,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%, 100%
Why I Picked Figo
Figo is an excellent pet insurance provider known for its comprehensive benefits, although its policies can be expensive for some breeds. However, Newfoundland owners are in luck as the premium rates are quite competitive, making Figo a fantastic choice for Newfie parents. All Figo plans include coverage for dental issues, behavioral therapy, and complementary care, and you can add vet exam fee coverage for a modest cost. Plus, every year you go without filing a claim, your deductible drops by $50. Figo is also recognized for its quick claim processing and outstanding customer service.
Expert Price Analysis
After examining various quotes for Newfoundlands, I discovered that Figo often offered some of the most budget-friendly premium rates. When compared to similar coverage from other insurers, its base policy with lower coverage ($750 deductible, 70% reimbursement, and a $5,000 payout) consistently ranked as one of the most cost-effective options. In several cases, its maximum coverage plan (featuring a $100 deductible, 90% reimbursement, unlimited payout, and included vet exam fees) was also very competitively priced.
| Pros | Cons |
|---|---|
| Premiums are consistently among the most affordable for Newfies | Coverage for vet exam fees requires an add-on |
| Rare choice of 100% reimbursement | Hip dysplasia and CCL coverage have 6-month waiting periods |
| Waiting period for accidents is only 1 day | |
| Covers curable pre-existing conditions once a year has passed with no symptoms | |
| Wellness plan add-on available | |
| Diminishing deductible of $50 every year you don’t make a claim | |
| Save 5% on premiums by insuring multiple pets | |
| Doesn’t impose coverage or age restrictions for older dogs |
In-Depth Review Of Figo
Explore my in-depth review of Figo to learn everything you need to know about this insurance provider, from coverage options and customization features to waiting periods and my personal experiences.
Best For Customizable Plans: Embrace
- Policy Options: Accident-Only, Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750, $1,000
- Annual Payout Options: $2,000, $5,000, $8,000, $10,000, $15,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Embrace
Embrace provides extensive options regarding deductibles, reimbursement rates, and annual payouts, including unlimited caps. This variety allows you to tailor an insurance policy that aligns with your financial situation and the unique health requirements of your Newfie. Embrace’s accident and illness policies come with complementary care, behavior therapy, and up to $1,000 in annual dental coverage at no additional charge. You can also opt to add coverage for veterinary exam fees and prescription medications for a more thorough protection plan. Embrace also stands out for its diminishing deductible and industry-leading 10% multi-pet discount.
Expert Price Analysis
When looking at pet insurance quotes for Newfoundlands, Embrace stood out with some of the most budget-friendly options for lower coverage ($5,000 payout, 70% reimbursement, and a $1,000 deductible) compared to similar coverage from other insurers. Notably, its pricing for senior Newfies was also competitive. However, its maximum coverage, including vet exam fees and prescription drugs, was frequently above average.
| Pros | Cons |
|---|---|
| Numerous customization options for your annual payout, reimbursement rate, and deductible | Coverage for prescription meds and vet exam fees require add-ons |
| Save 10% on premiums by insuring multiple pets | Some Newfies aren’t insurable due to location and age (e.g., dogs over 5 aren’t eligible for coverage in California) |
| Diminishing deductible of $50 every year you don’t make a claim | Hip dysplasia and CCL coverage have 6-month waiting periods |
| Covers curable pre-existing conditions once a year has passed with no symptoms | |
| Waiting period for accidents is only 2 days | |
| 3 wellness plan add-ons to choose from |
In-Depth Review Of Embrace
To learn more about this insurer’s extensive coverage, multiple customization choices, optional add-ons, and other features, see my in-depth review of Embrace.
Best For Newfoundland Puppies: Lemonade
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750
- Annual Payout Options: $5,000, $10,000, $20,000, $50,000, $100,000
- Reimbursement Options: 60%, 70%, 80%, 90%
Lemonade Pet Insurance Is NOT Available In: AK, DE, HI, ID, KS, KY, LA, ME, SD, VT, WV, WY
Why I Picked Lemonade
Lemonade is an excellent option for Newfoundland puppies, offering affordable rates for essential coverage. In addition to its competitive pricing for Newfie puppies, this insurer has a two-day waiting period for accidents, giving you peace of mind if your puppy gets into trouble while exploring. Another perk for young Newfies is Lemonade’s optional wellness plan tailored specifically for puppies, which covers two wellness checkups, parasite tests, six vaccinations, spaying/neutering, and more.
It’s important to mention that Lemonade made its debut in the pet insurance market in 2020, so it doesn’t boast the extensive history of some other companies featured in this article. However, it has quickly built a solid reputation.
Expert Price Analysis
According to the quotes I ran, Lemonade consistently offers some of the most affordable premiums for Newfoundland puppies and often for adult dogs as well. Their base rates remain competitive, even when including coverage for veterinary exam fees. However, Lemonade’s maximum coverage, including all add-ons, tends to be above average compared to similar offerings from other insurers.
| Pros | Cons |
|---|---|
| Affordable rates for Newfie puppies for low to mid-tier coverage | Only available in 38 states and Washington, D.C. |
| Save 5% on premiums by insuring multiple pets | Coverage for vet exam fees, dental disease, complementary treatments, and behavioral therapy all require add-ons |
| Average claim processing time is only 2 days | CCL coverage has a 6-month waiting period |
| Covers curable pre-existing conditions once a year has passed with no symptoms | |
| 2 wellness plan add-ons to choose from | |
| 30-day waiting period for coverage of hip/elbow dysplasia is shorter than many |
In-Depth Review Of Lemonade
Check out my detailed review of Lemonade for more insights into this insurer’s base plan, add-on options, various customization choices, speedy claim processing, and other features.
Best For Vet Direct Pay: Trupanion
- Policy Options: Accident & Illness
- Lifetime Per-Condition Deductible Options: $0 – $1,000 (in $5 increments)
- Annual Payout Options: Unlimited
- Reimbursement Options: 50%, 60%, 70%, 80%, 90%, 100%
Why I Picked Trupanion
Trupanion distinguishes itself as the sole pet insurance provider that can directly handle its portion of your veterinary bill at checkout time. Their VetDirect Pay system seamlessly integrates into your veterinarian’s office, eliminating the hassle of dealing with reimbursements later on. If your vet still needs to implement this software, they can contact Trupanion for assistance with installation, enabling you to benefit from this convenient service. Considering that Newfoundlands often encounter expensive health challenges, VetDirect Pay can significantly ease your concerns about managing veterinary costs during diagnosis and treatment.
Expert Price Analysis
While I was comparing quotes for Newfoundland insurance, I found that Trupanion’s premiums were notably higher, frequently hundreds of dollars more than those from other companies that provide similar coverage.
| Pros | Cons |
|---|---|
| Every policy has unlimited payouts (annual and lifetime) | By far, the most expensive rates for Newfies |
| Can pay your vet directly at the time of checkout, eliminating the wait for reimbursement | Doesn’t offer coverage for vet exam fees |
| 30-day waiting periods for coverage of hip dysplasia and CCL ruptures are shorter than many | Waiting period for illnesses is longer than average (30 days) |
| Covers curable pre-existing conditions once a year has passed with no symptoms | No premium discounts for insuring multiple pets |
| Average claim processing time is only 2 days |
In-Depth Review Of Trupanion
If you want to further explore this provider’s unique VetDirect Pay feature, along with their insurance options, benefits, waiting periods, and more, check out my comprehensive review of Trupanion.
What Type Of Pet Insurance Plan Is Best For Newfoundlands?
There are two main types of pet insurance policies: comprehensive plans that cover illnesses and accidents and accident-only plans. Additionally, some insurers offer optional wellness plans during the enrollment process. Despite not being considered insurance, they can be a great way to help control the cost of routine examinations and preventative care, which can keep your Newfie as healthy as possible.
| Accident-Only | Accident & Illness | Wellness | |
|---|---|---|---|
| Injuries (canine bloat, foreign body ingestion, lacerations, nail injuries, bone fractures, etc.) |  | | |
| Diseases (allergies, ear infections, bladder stones, CCL ruptures, Wobbler syndrome, heart defects, hypothyroidism, etc. ) | | ||
| Preventative (routine checkups and labwork, vaccines, heartworm prevention, dental cleaning, etc.) | |
What Are Accident-Only Pet Insurance Plans?
If you’re on a tight budget and want to make sure your dog receives emergency care for injuries like canine bloat, accidental poisoning, wounds, broken bones, eye trauma, and intestinal blockage, an accident-only plan is a great choice. Additionally, these plans can be a good fit for pets with pre-existing medical conditions typically not covered by accident and illness insurance. However, take note that only a few insurance companies provide accident-only coverage.
Pricing Tip – Insurance plans that only cover accidents typically come with significantly lower premiums compared to those that provide coverage for both illnesses and accidents.
What Are Accident & Illness Pet Insurance Plans?
Accident and illness plans offer exceptional health insurance coverage for your dog. These policies not only address injuries but also encompass many diseases and genetic conditions that can affect Newfoundlands, including hip dysplasia, Wobbler syndrome, arthritis, atopic dermatitis, ear infections, eye disorders, thyroid issues, heart disease, cancer, and more. With this insurance, you’ll be well-prepared to tackle nearly any health challenge your cherished pet might encounter.
What Are Wellness Plans?
Integrating a wellness plan with your pet insurance policy is a savvy approach to managing your pet’s overall health. These plans assist in covering costs for vital preventive care, such as annual checkups, vaccinations, dental cleanings, and additional services. With a wellness plan in place, you can get all the preventative care your furry friend needs, including identifying early signs of serious conditions.
Wellness plans are distinct from pet insurance; they are designed specifically for preventive care and do not include coverage for illness or accident-related costs.
What Does Pet Insurance Cover & Exclude?
Most providers cover the following conditions, diagnostic tools, and treatments when deemed necessary by a veterinarian. However, it’s important to remember that coverage can differ significantly among insurers. Each company may impose specific restrictions on certain conditions, making it vital to thoroughly examine your policy to grasp the full scope of your coverage.
| Covered | Excluded |
|---|---|
| Blood tests | Boarding |
| Cancer (chemo & radiation) | Cremation & burial costs |
| CT scans | Elective procedures (e.g., declawing, ear cropping, spaying/neutering, tail docking, etc.) |
| Chronic conditions | Food & supplements |
| Congenital conditions | Grooming |
| Emergency care | Pre-existing conditions* |
| Euthanasia | Pregnancy & breeding |
| Hereditary conditions | Vaccines |
| MRIs | |
| Non-routine dental treatment | |
| Prescription medications | |
| Rehabilitation | |
| Specialized exams & care | |
| Surgery & hospitalization | |
| Ultrasounds | |
| X-rays |
Learn More About Pet Insurance Coverage
It can be difficult to understand what pet insurance does and does not cover, so I suggest reading my comprehensive guide on pet insurance coverage.
What Determines The Cost Of Pet Insurance For Newfoundlands?
Pet insurance companies evaluate a variety of factors when determining premium prices.
- One of the most significant influences on the cost of pet insurance is your dog’s age. Generally, younger dogs enjoy lower insurance rates since they are less prone to developing costly health issues, such as cancer, dilated myelopathy, and cataracts, compared to their older counterparts.
- The cost of living in your region also plays a crucial role in shaping premium rates. Fluctuations in local living expenses impact both veterinary services and pet owners, meaning that if you reside in an area with a high cost of living, you can expect to pay more for veterinary care and pet insurance.
- Additionally, the breed of your dog is an important consideration. Purebred dogs often face higher health risks than mixed breeds, which can lead to increased insurance costs. Certain breeds are predisposed to more costly health conditions, further influencing premiums.
- Lastly, a dog’s gender can have an effect on insurance rates. Male dogs are typically larger than females, which may necessitate more medication, specialized medical equipment, and additional supplies, ultimately driving up insurance costs. However, it’s important to note that some insurance companies do not factor in gender when calculating their rates.
While you may have limited influence over some elements that affect your policy’s price, there are numerous ways to customize your pet insurance to align with your needs and financial situation. Let’s explore how you can make the most of these policy adjustments.
Customization Options Affect Cost & Benefits
Many pet insurance providers present a range of customizable options to meet your budget and the unique requirements of your Newfoundland. You can select a plan that covers only accidents or one that also encompasses illnesses. Additionally, you have the flexibility to adjust the deductible, the reimbursement percentage, and the maximum payout you can receive. It’s essential to understand how each of these modifications impacts your benefits and overall coverage.
What Is A Maximum Payout?
The pet insurance sector features two main types of maximum payout structures: annual and lifetime. An annual payout indicates the highest amount the insurance company will reimburse for your pet’s medical costs during a single policy year. Conversely, a lifetime cap signifies the overall sum the insurer will pay for your pet’s care over their entire insured lifespan. The companies discussed in this article provide annual payout options, with typical choices of $5,000, $10,000, and unlimited coverage.
Pricing Tip – Opting for a lower payout will reduce your monthly premium. However, remember that if your dog’s vet expenses exceed your annual cap, you’ll be responsible for covering the extra costs yourself.
What Is A Deductible?
The deductible is the set amount you must pay out of your own funds before your insurance provider begins covering your pet’s veterinary expenses. While most insurers operate with an annual deductible, Trupanion offers a unique model that applies a deductible for each specific condition. Common deductible amounts include $100, $250, or $500, but they can vary from $0 to $1,000. Let’s explore how these different deductible types function.
- Annual deductible: With this type, you pay a specified amount each year, no matter how many health issues your pet encounters or treatments they undergo. This structure offers predictability, making planning and managing your pet’s healthcare expenses easier.
- Lifetime per-condition deductible: This model requires you to pay a deductible for every new medical issue or emergency your pet experiences. Consequently, the costs can add up quickly if your dog faces several health challenges in a single year. However, there’s a benefit for ongoing chronic conditions such as allergies, arthritis, and hypothyroidism. You only need to meet the deductible once for that particular condition throughout your pet’s insured lifetime.
Pricing Tip– Choosing a higher deductible means you’ll pay more upfront for your dog’s medical expenses, but it will lower your monthly insurance premium.
What’s The Reimbursement Percentage?
The amount of your veterinary expenses that your insurance will pay after you satisfy your deductible is determined by the reimbursement rate you choose. For instance, if you opt for a $250 deductible and an 80% reimbursement rate, you’ll need to cover the first $250 yourself, plus 20% of the total bill, which is your copay. The insurance company will then reimburse you for the remaining 80%. Common reimbursement rates available are 70%, 80%, and 90%.
Pricing Tip – Opting for a higher reimbursement rate will lead to an increase in your monthly premium, but it also means you’ll have lower out-of-pocket expenses when your dog requires medical care.
Learn More About Pet Insurance Costs
Explore my comprehensive article on pet insurance costs to gain a detailed insight into how your customization options influence both your coverage and premium rates.
How Much Is Pet Insurance For A Newfoundland?
To receive customized pet insurance quotes from multiple top-rated providers, fill out the form below with your zip code and Newfie’s details. The best course of action is to get a quote for your own dog, but I’ve also collected sample quotes for Newfoundlands to show how the costs compare.
According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. is $62.44 ($32.10 for cats).
To give you a ballpark idea of monthly insurance premiums, I obtained multiple quotes for Newfoundlands, taking into account various locations and ages. These quotes include similar customization options (where possible), enabling a more accurate comparison of premium costs across different providers.
| Company | 6mo old male 95818 (Sacramento, CA) | 1yr old female 14211 (Buffalo, NY) | 2yr old male 33604 (Tampa, FL) | 5yr old female 78731 (Austin, TX) | 8yr old male 07305 (Jersey City, NJ) |
|---|---|---|---|---|---|
| $90.29 | $57.53 | $67.83 | $124.90 | $324.01 |
| $99.41 | $96.50 | $117.09 | $215.27 | $329.68* |
| $99.46**§ | $58.04**§ | $72.02*§ | $127.48**§ | $158.84†§ |
| $73.81 | $67.17 | $53.66 | $90.09 | $221.61 |
| $80.87 | $95.81 | $77.51 | $120.11 | $178.97 |
| $71.49 | $59.34 | $65.06 | $42.75 | $156.78 |
| $180.13§ | $201.72§ | $560.22‡§ | $343.69§ | $681.96§ |
*80% reimbursement; **70% reimbursement; †50% reimbursement and $1,000 deductible (no other options); ‡$0 deductible; §Unlimited annual payouts
Newfoundland Insurance Cost: Lowest & Highest Amounts
To give you another point of comparison, I collected quotes that showcase the lowest and highest insurance premiums from the same companies. These quotes consider factors such as annual payouts, reimbursement rates, deductibles, and add-ons (excluding wellness plans). To illustrate how insurance costs can differ based on a dog’s age at enrollment, I included examples for two different ages of Newfoundlands.
| Company | 2mo old 95818 (Sacramento, CA) | 5yr old 95818 (Sacramento, CA) | 2mo old 14211 (Buffalo, NY) | 5yr old 14211 (Buffalo, NY) | 2mo old 33604 (Tampa, FL) | 5yr old 33604 (Tampa, FL) | 2mo old 78731 (Austin, TX) | 5yr old 78731 (Austin, TX) | 2mo old 07305 (Jersey City, NJ) | 5yr old 07305 (Jersey City, NJ) |
|---|---|---|---|---|---|---|---|---|---|---|
| $40-$251 | $58-$358 | $26-$164 | $37-$234 | $34-$216 | $47-$296 | $41-$232 | $56-$317 | $56-$322 | $77-$440 |
| $65-$169 | $136-$361 | $66-$150 | $125-$289 | $75-$175 | $139-$326 | $79-$181 | $145-$338 | $76-$151 | $139-$281 |
| $66-$99 | $96-$145 | $49-$60 | Uninsurable | $31-$78 | $58-$146 | $71-$85 | $107-$129 | $65-$78 | $95-$114 |
| $33-$192 | $42-$249 | $28-$210 | $36-$273 | $22-$167 | $32-$242 | $25-$187 | $36-$271 | $41-$265 | $53-$344 |
| $30-$314 | Uninsurable | $34-$293 | $34-$300 | $30-$200 | $39-$260 | $37-$244 | $48-$319 | $38-$250 | $50-$328 |
| $35-$252 | $44-$311 | $36-$206 | $44-$249 | $44-$336 | $54-$417 | $41-$188 | $28-$150 | $42-$231 | $52-$282 |
| $105-$461 | $221-$999 | $103-$454 | $182-818 | $144-$429 | $308-$917 | $100-$437 | $202-$912 | $126-$558 | $262-$1,192 |
What Are Waiting Periods For Newfoundland Pet Insurance?
The time between when you sign up for an insurance plan and when your coverage officially begins is known as the waiting period. This duration can vary among different insurance providers.* Typically, waiting periods for illnesses are about 14 days, while those for accidents can range from 0 to 15 days. However, for orthopedic issues such as hip dysplasia and CCL ruptures—conditions often found in Newfoundlands—many insurance companies impose longer waiting periods.
*States are gradually adopting a Model Law for pet insurance, aiming to standardize regulations, including uniform waiting periods. In California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, Washington, Rhode Island, and Maryland, waiting periods are:
- Accidents: 0 days
- Illnesses: 14 days
- Cruciate Ligament Conditions: 30 days
- Routine Care: 0 days
Learn More About Waiting Periods
Discover the reasons for waiting periods and explore other essential information in my guide to waiting periods for pet insurance.
How Does Pet Insurance For Newfoundlands Work?
Using your pet insurance is straightforward once the waiting periods specified in your policy are over.
- After your dog has received treatment, simply pay the veterinarian’s bill.
- Next, submit a claim form and a detailed receipt to your insurance provider. Taking a copy of your claim form to your appointment may be beneficial, as some insurers require your vet’s signature.
- Once your claim is approved, you will receive reimbursement* through your selected payment method, whether a check, direct deposit, or another option.
*Keep in mind that the reimbursement timeline can vary significantly, taking anywhere from a few minutes to several weeks. This variation depends on the complexity of your claim and the processing times set by the insurance company.
15 Health Issues In Newfoundlands
Like other purebred giant breeds, Newfoundlands typically have a shorter lifespan, averaging between 8 to 10 years. They are also more susceptible to specific health concerns than mixed breeds. When considering pet insurance for your Newfie, it’s crucial to understand the possible health challenges and the financial responsibilities that could come with them.
- Newfoundlands are especially susceptible to a severe condition called gastric dilatation-volvulus (GDV), often known as gastric torsion or canine bloat. This dangerous health problem occurs when dogs eat too rapidly or in large quantities, causing the stomach to expand and twist. Immediate veterinary care is essential; treatment costs can soar to $3,000 or more, depending on the severity of the condition.
- Elbow and hip dysplasia is a frequent issue in Newfies. It occurs when the bones fail to fit properly into the joint socket. In many cases, surgery becomes essential, with expenses ranging from $1,700 to over $4,500 for each joint that requires treatment.
- Osteochondritis dissecans (OCD) is a hereditary developmental condition commonly found in young Newfies. It happens when the cartilage separates from the bone in a joint, resulting in severe discomfort. This ailment usually impacts the shoulder, knee, and ankle joints. The expenses for diagnosis and surgical intervention can range from $2,000 to $4,000 or more.
- Panosteitis is a painful condition primarily impacting young, rapidly growing large breeds. It involves inflammation of the shaft of one or more long bones in the legs. Diagnosis requires X-rays, and treatment usually consists of anti-inflammatory, pain relief medications, and follow-up X-rays until the issue resolves independently, which may take as long as 2-1/2 years. Overall, the total cost of managing this condition can exceed $1,500.
- Due to their large stature and genetic predisposition, Newfoundlands are likelier to suffer from cranial cruciate ligament (CCL) tears. Orthopedic surgery is the best approach to address a torn CCL in dogs, and expenses typically range between $1,600 and upwards of $6,000.
- Arthritis is another common orthopedic issue faced by Newfoundlands, often at an early age. In moderate cases, expenses for medication and physical therapy can vary from $100 to over $500 per month. In severe cases, surgical intervention may be necessary, leading to expenses that can reach into the thousands.
- Large and giant dog breeds, such as the Newfoundland, are at a higher risk for developing osteosarcoma, a fast-progressing bone cancer. The costs related to diagnosing and treating this illness can surpass $10,000.
- Wobbler syndrome (cervical spondylomyelopathy) is a neurological condition that impacts the cervical spine in the neck, leading to an unsteady gait and the potential for paralysis over time. Treatment typically involves surgery followed by physical therapy, with costs averaging around $4,000 or higher.
- Many Newfies suffer from atopic dermatitis (skin allergies), which causes chronically itchy skin, skin infections, hot spots, etc. Expenses for diagnosis, testing, medications, specialized diets, creams, and other treatments can surpass $2,000 over the course of a dog’s lifetime.
- Newfies are susceptible to ear infections due to the moisture their thick fur and floppy ears can retain, promoting bacteria and yeast growth. For each infection, diagnostic testing, prescription drugs, and initial and follow-up veterinary visits can cost as much as $500.
- Newfies can be born with inherited heart defects, such as tricuspid valve dysplasia (TVD) and subaortic stenosis (SAS). Both conditions involve regular echocardiogram check-ups ($500 each) ;and lifelong medication that ranges from $100 to $200 monthly.
- As they age, Newfoundlands are at risk for a heart issue called dilated cardiomyopathy (DCM), which causes the heart to weaken and enlarge. In severe instances of DCM, surgery becomes crucial to avert heart failure, with expenses typically between $10,000 and $20,000.
- This breed is prone to several genetic eye problems, such as cataracts, entropion, ectropion, and cherry eye. The cost for cataract surgery typically ranges from $2,600 to $3,800, whereas surgery to treat the other three (eyelid) disorders can exceed $1,500 for each eye.
- Cystinuria is a hereditary condition affecting the kidneys. It results in bladder stones that are challenging to control through dietary changes or medication. In many cases, surgical intervention is needed to extract the stones from the bladder and address any urinary obstructions. Surgery costs can be up to $3,000.
- Another genetic issue associated with this breed is autoimmune thyroiditis, leading to hypothyroidism. This condition arises when the thyroid gland fails to produce sufficient hormones, requiring lifelong medication (ranging from $20 to $50 per month), regular checkups, and annual retesting (typically from $50 to $100).
Is Pet Insurance Worth It For Newfoundlands?
Here are some vital statistics to consider. A breed health survey by the Orthopedic Foundation for Animals (OFA), which included responses from more than 1,000 Newfoundland owners and breeders about vet-diagnosed health issues, revealed that 33% reported their Newfoundlands faced significant health challenges. When categorized, the findings showed that 29% experienced orthopedic issues, 25% had allergies, 21% suffered from skin conditions, 13% dealt with eye problems, 11% had ear issues, another 11% were diagnosed with cancer or tumors, and 10% faced gastrointestinal disorders.
The 2023 testing results from the OFA show that almost 30% of Newfoundlands were found to have hip dysplasia, more than 23% exhibited elbow dysplasia, close to 9% had shoulder orthopedic problems, and around 20% had at least one eye abnormality.
Newfoundlands are prone to expensive health issues, so having pet insurance is crucial. With the right coverage, you can guarantee that your canine companion gets the medical care they need during unexpected health crises. Remember that many pet insurance plans exclude pre-existing conditions, so securing insurance for your dog before any health problems arise is wise.
Determine If Your Newfoundland Needs Insurance
If you’re still considering the pros and cons of pet insurance, check out my guide, which explores whether investing in pet insurance is worth it.
5 Steps To Find The Best Pet Insurance For Newfoundlands
Here’s a checklist of several key factors you should consider to determine the ideal insurance for your pup.
- Start by researching the reputation of each insurance company on your list. Generally, established providers with a solid history are more reliable than newer companies that have just entered the market.
- Familiarize yourself with the common health issues Newfoundlands may face, and thoroughly review the policy details to understand how each condition is covered.
- Decide whether you prefer a comprehensive plan that includes both illnesses and accidents or one that only has accident coverage.
- It’s also crucial to grasp the reimbursement process and the average time each provider takes for claims to be processed.
- Lastly, request quotes from at least three different insurance companies to effectively compare pet insurance prices.
Methodology
To determine the best pet insurance for Newfoundlands, we analyzed more than 40 U.S. pet insurance companies to provide an unbiased breakdown of how providers compare against one another. Our in-depth research includes:
- Running thousands of price quotes
- Reading hundreds of customer reviews
- Scrutinizing every policy from top to bottom and reading all the fine print
- Scoping out the purchase process
- Speaking with customer service representatives
- Having firsthand experience submitting claims with companies
- Comparing plan customization details
- Examining how long it takes to receive reimbursement
- Factoring in company history and years in the pet insurance marketplace
- Meeting with company representatives to discuss changes related to the industry, their company, and their offerings
- Requiring national experience for companies
Unlike many other review sites, we refuse to let pet insurance companies pay for the top spot in our rankings. Companies must earn their position in our comparisons by performing well in the marketplace. We also point out each company’s pros and cons in light of their competitor’s strengths. In doing so for over a decade, we’ve helped pet parents make more educated decisions among the top pet insurance options. Pet insurance providers read our reviews, regularly check them for accuracy, and value our input to help create positive industry changes and better protect your pets. We only recommend the best of the best because it’s what our readers deserve.
Additional Pet Insurance Resources
- Best Pet Insurance
- Is Pet Insurance Worth It?
- What Does Pet Insurance Cover?
- How Much Does Pet Insurance Cost?
- Best Pet Insurance For Pre-Existing Conditions
Why Trust Canine Journal?
Canine Journal has been covering the topic of pet insurance since 2012, well before other conglomerates discovered the rising popularity of health care for our pets. Many of our authors have personal experience with pet insurance, including Kimberly Alt, who has been Canine Journal’s go-to writer for pet insurance for over a decade, having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head, she can find it within minutes due to her vast list of resources. Kimberly also has extensive knowledge of dog health conditions, which can help her recommend pet insurance providers to pet owners with specific breeds.
Kimberly collaborated with Sally Jones, a seasoned health sciences communications professional with decades of experience. Sally specializes in dog health and is adept at producing content on technical topics such as pet insurance. Her wealth of knowledge and insight played a crucial role in this article’s thorough research and composition.
Kimberly also consulted with Michelle Schenker, Canine Journal’s in-house licensed insurance agent, for additional expertise to ensure accuracy and give Canine Journal the authority to write about and assist readers in purchasing policies that are accurately represented.
