Bernese Mountain Dog Pet Insurance
Give your Berner nose-to-tail coverage for all of life's surprises!
- What does Bernese Mountain Dog pet insurance cover?
- Is pet insurance worth it for Bernese Mountain Dogs?
- Common Bernese Mountain Dog health conditions
- How much does pet insurance for Bernese Mountain Dogs cost?
- How can I find the best pet insurance for my Bernese Mountain Dog?
- Get to know your Bernese Mountain Dog
Bernese Mountain Dogs are good-natured, friendly, and strong companions who bring endless joy to families, but as a large breed, they’re prone to certain health conditions that can lead to expensive vet bills. Hip dysplasia, elbow dysplasia, and bloat are just a few common concerns that could cost thousands to treat.
Pet insurance helps you focus on what matters most: your Berner’s health and happiness. Here’s everything you need to know about coverage options, costs, and why insurance makes sense for this beloved breed.
What does Bernese Mountain Dog pet insurance cover?
A base Lemonade pet health insurance policy helps cover the costs of medication, tests, and treatments if your Bernese Mountain Dog has an unexpected accident or illness (provided it’s not related to a pre-existing condition, and occurs after your policy’s waiting periods have ended).
Whether it’s an unexpected accident during play time or a breed-specific illness like Hip dysplasia, Bernese Mountain Dogs benefit from comprehensive coverage that protects against life’s surprises.
Wellness care
Want to get money back for your Berner’s routine care? Our preventive packages reimburse you for the stuff you’re already doing, like annual checkups, vaccines, blood work, and other routine care that keep your pup healthy and happy.
Keep in mind, preventative care offerings might differ based on where you live. The easiest way to see what’s available? Get a free quote.
Extra coverage
You can also customize your Lemonade policy with optional add-ons like:
- Physical therapy: especially important for a breed prone to joint issues like hip and elbow dysplasia
- Visit fees
- Dental coverage
- Behavioral conditions
- End-of-life and remembrance
These coverages help take a bite out of pricey treatments, services, and vet visits that Bernese Mountain Dogs often need.
Is pet insurance worth it for Bernese Mountain Dogs?
Taking care of any large breed gets expensive, and Bernese Mountain Dogs can face costly breed-specific health issues throughout their 6 to 8-year lifespan. The good news? Lemonade pet parents are already saving serious money on vet bills.
Bernese Mountain Dogs are particularly prone to joint problems, bloat, and cancer, which makes insurance even more valuable.
Check out how much other Bernese Mountain Dog parents have saved with pet insurance below. Your savings could be even higher.
Common Bernese Mountain Dog health conditions
Bernese Mountain Dogs are amazing dogs, but they’re predisposed to certain health conditions that can get expensive to treat. Here are some of the most common claims we see for them, along with typical treatment costs:
| Condition | What is it? | Average treatment cost |
|---|---|---|
| Hip Dysplasia | Malformed hip joint; pain and arthritis in back legs | $1,500–$6,000 |
| Elbow Dysplasia | Poorly formed elbow joint; causes limping/arthritis | $1,200–$3,500 |
| Skin Tumors (Mast Cell Tumors) | Cancerous skin lumps | $1,000–$5,000 |
| Lymph Node Cancer (Lymphoma) | Cancer of the lymph system | $2,000–$7,000 |
| Bloat (Stomach Twisting, GDV) | Stomach fills with gas and twists (emergency) | $2,500–$7,500 |
| Obesity | Extra weight, leads to other health issues | $250–$800 |
| Skin Allergies (Environmental/Food) | Persistent itching from food, fleas, or environment | $400–$1,500 |
| Torn Knee Ligament (Cruciate Ligament Tear) | Torn ligament in the knee | $1,200–$8,500 |
| Back Disc Disease (IVDD) | Slipped or ruptured back disc; pain/possible paralysis | $2,500–$8,000 |
| Cataracts | Clouding of the eye lens; vision loss | $2,000–$4,000 |
As a working breed, Bernese Mountain Dogs face having a large size that puts stress on joints and genetic predisposition to cancer, which is why early coverage is important to protect their health and your wallet.
How much does pet insurance for Bernese Mountain Dogs cost?
Your Bernese Mountain Dog’s premium depends on a few key factors: Their age, your location, and the coverages you choose. Large breeds like Bernese Mountain Dogs typically cost more to insure due to their large size and genetic predisposition to expensive conditions like joint problems and cancer.
Here’s what other Bernese Mountain Dog parents typically pay for Lemonade coverage:
| Age | Average monthly premium |
|---|---|
| 1 year old | $55-$60 |
| 2 years old | $55-$60 |
| 3 years old | $60-$65 |
| 4 years old | $75-$80 |
| 5 years old | $90-$95 |
| 6 years old | $110-$115 |
| 7 years old | $155-$160 |
How can I find the best pet insurance for my Bernese Mountain Dog?
While we might be biased, Lemonade was really designed with pet parents in mind, especially those with breeds like Bernese Mountain Dogs that need comprehensive coverage for joint health, bloat prevention, and cancer screening.
Our customizable add-ons are perfect for Bernese Mountain Dogs since you can tailor coverage for their specific risks like hip dysplasia and bloat.
Don’t believe us? Take a look at how we stack up against the competition.
Before we go…
Bernese Mountain Dogs make incredible companions, but their large size and shorter lifespan requiring proactive health monitoring can get expensive fast. Pet insurance helps you say “yes” to the best care without worrying about the vet bill, whether that’s treating hip dysplasia surgery, managing joint conditions, or handling an emergency.
Ready to protect your Berner? Get a personalized quote in as little as 90 seconds and see how affordable coverage can be for your Bernese Mountain Dog.
Get to know your Bernese Mountain Dog
Are Bernese Mountain Dogs good with families and children?
Outstanding with families and children. Bernese Mountain Dogs are gentle giants who absolutely adore kids and have incredible patience. Their calm, sweet nature and natural protective instincts make them ideal family companions.
What does a Bernese Mountain Dog's grooming schedule look like?
Brush 2-3 times weekly, daily during heavy shedding seasons. Professional grooming every 8-10 weeks. Their thick double coat requires regular attention, especially during spring and fall coat blow-outs.
Are Bernese Mountain Dogs suitable for first-time dog owners?
Good for first-time owners who have space and understand large dog needs. They’re gentle and easygoing, but their size requires early training and they need room to move comfortably.
Are Bernese Mountain Dogs easy to train?
Pretty easy to train with patience. They’re intelligent and eager to please but mature slowly, so consistency and gentle methods work best. Bernese Mountain Dogs respond well to positive reinforcement and food motivation.
What activities do Bernese Mountain Dogs usually enjoy?
Gentle hikes, cart pulling, and leisurely outdoor activities. They love moderate exercise, playing in snow, and activities that don’t overexert them. They’re happiest just being with their families.
*Lemonade Insurance analyzed policy rates of accident and illness policies to calculate average pet insurance premiums as of October, 2025. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances and additional coverages selected.