Alyssa Lane
The English Mastiff is a large breed of dog, often weighing over 200 lbs. As a pure breed, they are more susceptible to genetic health issues than mixed breeds. They are also at risk of a number of conditions due to their size, including cardiomyopathy and bloat. Pet insurance can help English Mastiff owners reduce out-of-pocket costs for unexpected accidents or illnesses, but it is important to choose the right insurance company and plan to ensure that your dog's needs are covered. Some companies may consider English Mastiffs a dangerous breed, which can affect your homeowner's insurance.
| Characteristics | Values |
|---|---|
| Insurance cost | More than for mixed breed dogs |
| Genetic health issues | More likely to suffer from them than mixed breed dogs |
| Companies with limitations on genetic and hereditary illnesses | Embrace Pet Insurance, Pawlicy Advisor, Sainsbury's Bank Pet Insurance |
| Companies with full coverage for breed-specific conditions | Embrace Pet Insurance |
| Companies with partial limitations on genetic and hereditary illnesses | Embrace Pet Insurance |
| Average insurance cost | $48 to $69 per month |
| Coverage | Accidents, illnesses, diagnostics, surgery, hospitalization, alternative and homeopathic therapies, exam fees |
| Insurance quotes | Available from Pawlicy Advisor |
| Insurance waiting times | Important to consider for larger breeds |
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What You'll Learn
Genetic health issues
As a pure breed, English Mastiffs are more susceptible to genetic health issues than mixed breed dogs. They are classified as 'Category Three' by The Kennel Club, which refers to dog breeds that are more prone to visible conditions and health issues due to how they were bred.
Mastiffs can be affected by a long list of eye diseases, so annual eye examinations by a veterinary ophthalmologist are essential. One such structural problem is the genetic hip deformity known as hip dysplasia, where the head of the thigh bone doesn't fit properly into the hip socket, causing inflammation and leading to arthritis over time. Elbow dysplasia is a similar condition affecting the elbow. Their large size also puts a strain on their heart, and they are at risk of conditions such as cardiomyopathy, which causes an enlarged heart. An annual heart exam is critical for early detection. Mastiffs are also more likely to bloat, a sudden and potentially fatal condition where the stomach twists on itself, cutting off blood flow.
Epilepsy, a brain disorder that causes fits, can also be inherited in Mastiffs. It can be brought on by brain tumours or head traumas, and while there is no cure, medication can help reduce or prevent seizures.
When choosing pet insurance for your English Mastiff, it is important to select the right provider and plan from the start. Some companies have full or partial limitations on genetic and hereditary illnesses, leaving some Mastiff health issues without coverage. It is also worth noting that insurance costs may increase as your dog ages, and there may be waiting periods for certain conditions.
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High veterinary costs
As a pure breed, English Mastiffs are more susceptible to genetic health issues than mixed breed dogs. They are prone to certain health issues that are typically inherited and are classified as 'Category Three' by The Kennel Club, denoting their predisposition to visible health conditions as a result of breeding.
The large size of the English Mastiff also puts a strain on its heart, making it susceptible to a number of conditions, including cardiomyopathy, which causes an enlarged heart. An annual heart exam is critical for early detection. Additionally, they can be affected by a range of eye diseases, making annual eye examinations by a veterinary ophthalmologist essential.
English Mastiffs are also more likely to suffer from bloat, a life-threatening condition where the stomach twists on itself, cutting off blood flow. They are also prone to hip and elbow dysplasia, which can lead to arthritis if left untreated. Furthermore, epilepsy, a brain disorder that causes fits, can be inherited in Mastiffs and affect their quality of life.
The potential high veterinary costs associated with these conditions highlight the importance of pet insurance for English Mastiffs. Without insurance, owners may struggle to afford the expensive treatments for these conditions. Pet insurance can provide peace of mind by reimbursing owners for a significant portion of veterinary bills, ensuring that financial constraints do not hinder the care of their beloved English Mastiff.
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Insurance exclusions
As a pure breed, English Mastiffs are more susceptible to genetic health issues than mixed breed dogs. They are prone to certain health issues that are typically inherited, and are classified as 'Category Three' by The Kennel Club, which highlights their health conditions caused by breeding.
When considering insurance exclusions, it is important to note that some companies have full or partial limitations on genetic and hereditary illnesses, leaving some English Mastiff health issues without coverage. Exclusions may include pre-existing conditions, and some companies may not cover specific breed-specific conditions that English Mastiffs are susceptible to, such as eye diseases, hip and elbow dysplasia, heart conditions, and bloat.
Additionally, insurance policies may have waiting periods for certain treatments, which could impact the timeliness of care for your English Mastiff. For example, a policy with a long waiting period on knee injuries may not be ideal for a large breed like the English Mastiff.
It is also worth noting that insurance costs for English Mastiffs tend to be higher than for mixed breed dogs due to their predisposition to hereditary conditions that are expensive to treat. As a result, some owners may opt for self-insurance, setting aside a certain amount of money each month to cover potential veterinary expenses. However, self-insurance may not adequately protect against unexpected high costs, such as sudden accidents or illnesses that require costly treatments.
Therefore, when considering insurance exclusions for your English Mastiff, it is crucial to carefully review the fine print of different insurance policies. Tools like Pawlicy Advisor can help compare coverage, waiting times, exclusions, and costs to find the best plan for your dog's specific needs.
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Location and age
The cost of insuring your English Mastiff will depend on several factors, including the dog's age, location, and breed.
Age
As your English Mastiff ages, the cost of veterinary care may increase. Older dogs are more likely to experience health issues and may require more frequent visits to the vet. Additionally, the cost of pet insurance tends to increase as your dog ages, as older dogs are considered higher-risk. Therefore, it is important to consider the long-term costs of insuring your English Mastiff throughout its lifespan, rather than just the initial cost of the policy.
Location
The cost of pet insurance can vary depending on your location, including your zip code and the region in which you live. This variation in pricing may be due to differences in veterinary care costs across different areas. For example, the average monthly cost of pet insurance in one region may be different from that in another region, even with the same reimbursement rate, coverage limits, and deductible amount.
It is worth noting that some pet insurance companies, such as Embrace Pet Insurance, offer nationwide coverage, allowing your English Mastiff to be treated by any veterinarian in the country, including emergency clinics and specialists. This flexibility can provide peace of mind and ensure your dog receives the necessary care regardless of your location.
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Wellness Rewards
The English Mastiff is a pure breed and is therefore more likely to suffer from genetic health issues than mixed breed dogs. This includes a long list of eye diseases, hip and elbow dysplasia, heart disease, and epilepsy. As a large breed, they also have a shorter lifespan than small-breed dogs. This means that vet bills, treatment, and medication costs can add up quickly.
Pawlicy Advisor is another independent marketplace for finding the best coverage for your pet at the lowest rate. It allows you to compare personalized pet insurance quotes across top-rated providers and uncover hidden savings. It also calculates a Lifetime Value Score, which estimates how much each plan will cost over your dog's lifetime.
Pet insurance for English Mastiffs can be expensive, and some people choose to save money each month to cover any unexpected costs. However, this may not be enough to cover large vet bills, which can cost upwards of $5,000.
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Frequently asked questions
English Mastiffs are purebred dogs, which makes them more susceptible to genetic health issues than mixed breeds. They are also the largest breed of dog, often weighing over 200 lbs, which means they are at risk of conditions that affect their hearts and joints. As such, insurance companies may consider them a higher risk than smaller dogs or mixed breeds.
Some common health issues that English Mastiffs are prone to include cardiomyopathy (enlarged heart), cystine stones, Wobbler's syndrome (cervical vertebral instability), and bloat. They may also be at risk of joint issues such as hip and elbow dysplasia.
The cost of pet insurance for an English Mastiff can vary depending on various factors such as the dog's age, location, and the specific coverage plan chosen. Some owners report paying between $250-$300 per month for insurance, while others pay around $48 to $69 per month. It's important to carefully review the terms and conditions of different insurance plans to ensure your dog's specific needs are covered.
While there may not be plans specifically designed for English Mastiffs, some companies like Embrace Pet Insurance and Pawlicy Advisor offer flexible and comprehensive coverage for this breed. These companies take into account the unique health risks associated with English Mastiffs and provide personalized coverage options to fit your budget and your dog's health needs.
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