Highest Dog Insurance Costs 2026: These are the 10 breeds of adorable dog that command the highest insurance premiums - including the loving Flat-Coated Retriever 🐶

If you’ve been thinking about welcoming a new dog into your home then you’re in good company – Royal Kennel Club (the new name for the UK Kennel Club) stats show that the number of people looking for puppies has surged to record levels.

Dogs come in all shapes, colours and sizes - there are 221 different pedigree dogs recognised by breeders in the UK, from Affenpinscher to Yorkshire Terrier (there are sadly no dog breeds starting with the letter ‘z’!).

So there’s plenty of thinking to do before you select your family’s latest four-legged addition – whether you want a large dog, family-friendly dog, or an easy to train dog.

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There is even scientific research to guide you, in particular psychologist Stanley Coren’s groundbreaking book The Intelligence of Dogs.

Choosing the right breed is absolutely essential – for example opting for a small dog if you don’t have much room at home, or a hypoallergenic dog if you suffer from allergies.

Of course there’s also the practicalities of affordability, with different breeds commanding very difference prices - and upkeep costs like insurance.

A study by pet insurance comparison website Pet Insurance Deals used data from Animal Friends to determine which dog breeds command the highest and lowest insurance premiums across more than 150 recognised breeds.

Here are the 10 breeds of dog that will see you paying the highest monthly insurance premiums.

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