Newfoundland Pet Insurance
Give your Newfie nose-to-tail coverage for all of life's surprises!
Newfoundlands are sweet, patient, and devoted companions who bring endless joy to families, but as a giant breed, they’re prone to certain health conditions that can lead to expensive vet bills. Hip dysplasia, elbow dysplasia, and cardiomyopathy are just a few common concerns that could cost thousands to treat.
Pet insurance helps you focus on what matters most: your Newfie’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 Newfoundland pet insurance cover?
A base Lemonade pet health insurance policy helps cover the costs of medication, tests, and treatments if your Newfoundland 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, Newfoundlands benefit from comprehensive coverage that protects against life’s surprises.
Wellness care
Want to get money back for your Newfie’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: crucial for this giant breed that commonly develops joint problems due to their enormous size
- 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 Newfoundlands often need.
Is pet insurance worth it for Newfoundlands?
Taking care of any giant breed gets expensive, and Newfoundlands can face costly breed-specific health issues throughout their 8 to 10-year lifespan. The good news? Lemonade pet parents are already saving serious money on vet bills.
Newfoundlands are particularly prone to joint problems and heart disease, which makes insurance even more valuable.
Check out how much other Newfoundland parents have saved with pet insurance below. Your savings could be even higher.
Common Newfoundland health conditions
Newfoundlands 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 |
| Obesity | Extra weight, leads to other health issues | $250–$800 |
| Cataracts | Clouding of the eye lens; vision loss | $2,000–$4,000 |
| Heart Valve Disease | Leaky heart valve; can lead to heart failure | $300–$1,200 |
| Bloat (Stomach Twisting, GDV) | Stomach fills with gas and twists (emergency) | $2,500–$7,500 |
| Ear Infections | Chronic or severe ear infections | $300–$800 |
| Dental Disease (Tooth & Gum Problems) | Gum & tooth disease, possible extractions | $400–$1,500 |
| Lymph Node Cancer (Lymphoma) | Cancer of the lymph system | $2,000–$7,000 |
| Skin Allergies (Environmental/Food) | Persistent itching from food, fleas, or environment | $400–$1,500 |
As a working breed, Newfoundlands face having a giant size that creates enormous stress on heart and joints, plus thick coat and swimming background, which is why early coverage is important to protect their health and your wallet.
How much does pet insurance for Newfoundlands cost?
Your Newfoundland’s premium depends on a few key factors: Their age, your location, and the coverages you choose. Giant breeds like Newfoundlands typically cost more to insure due to their giant size which leads to significantly higher treatment costs and predisposition to heart conditions.
Here’s what other Newfoundland parents typically pay for Lemonade coverage:
| Age | Average monthly premium |
|---|---|
| 1 year old | $60-$65 |
| 2 years old | $60-$65 |
| 3 years old | $60-$65 |
| 4 years old | $65-$70 |
| 5 years old | $80-$85 |
| 6 years old | $100-$105 |
| 7 years old | $120-$125 |
How can I find the best pet insurance for my Newfoundland?
While we might be biased, Lemonade was really designed with pet parents in mind, especially those with breeds like Newfoundlands that need comprehensive coverage for joint support, heart monitoring, and giant breed specialized care.
Our customizable add-ons are perfect for Newfoundlands since you can tailor coverage for their specific risks like hip dysplasia and cardiomyopathy.
Don’t believe us? Take a look at how we stack up against the competition.
Before we go…
Newfoundlands make incredible companions, but their giant size with thick coat requiring careful exercise and temperature management can get expensive fast. Pet insurance helps you say “yes” to the best care without worrying about the vet bill, whether that’s treating heart treatment or joint surgery, managing heart conditions, or handling an emergency.
Ready to protect your Newfie? Get a personalized quote in as little as 90 seconds and see how affordable coverage can be for your Newfoundland.
Get to know your Newfoundland
Are Newfoundlands good with families and children?
Outstanding with families and children. Newfoundlands are gentle giants known for their patience and protective nature with kids. They’re naturally calm, sweet-tempered, and excellent family companions despite their size.
What does a Newfoundland's grooming schedule look like?
Brush daily to prevent matting, professional grooming every 6-8 weeks. Their thick, water-resistant coat requires consistent attention and they shed considerably. Regular nail trims are crucial due to their size.
Are Newfoundlands suitable for first-time dog owners?
Good for first-time owners who have space and understand giant breed needs. They’re gentle and easygoing but require early training due to their size. They need understanding of their shorter lifespan.
Are Newfoundlands easy to train?
Pretty easy to train with gentle, patient methods. Newfoundlands are intelligent and eager to please but mature slowly. Early socialization and training are important since their size makes bad habits problematic.
What activities do Newfoundlands usually enjoy?
Swimming, gentle walks, and water activities. They love being in water, moderate exercise that doesn’t overexert them, and activities that let them use their natural swimming and rescue abilities.
*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.