Side by side
Both columns come from the same cost model, so every row is a like for like comparison.
| Measure | Bernese Mountain Dog | Labrador Retriever |
|---|---|---|
| Lifetime cost | $42,173 | $45,825 |
| First year | $7,935 | $6,595 |
| Monthly average | $348 | $292 |
| Puppy price | $1,800 to $4,000 | $1,200 to $3,000 |
| Routine care, yearly | $3,661 | $3,121 |
| Expected health cost | $0 | $303 |
| Documented conditions | 12 | 18 |
| Median lifespan | 10.1 yrs | 13.1 yrs |
| Adult weight | 70 to 115 lb | 55 to 80 lb |
| Daily food | 4.9 cups | 3.8 cups |
| Grooming, yearly | $540 | $300 |
| Risk profile | High, mid life | Moderate |
| Biggest single risk | Skin disease | Obesity |
Health risks compared
What tends to go wrong in each breed, how often, and what it costs to treat.
| Condition | Rate | Cost |
|---|---|---|
| Skin disease | 36% | $252–$679 |
| Digestive disease | 30% | $354–$954 |
| Elbow dysplasia | 27% | $3,000–$5,000 |
| Hip dysplasia | 16% | $3,500–$7,000 |
| Musculoskeletal disease | 15% | $281–$756 |
| Degenerative myelopathy | 11% | not priced |
| Ear infection | 10% | $100–$270 |
| Periodontal disease | 9% | $246–$663 |
| Anal sac impaction | 7% | $84–$226 |
| Autoimmune thyroiditis | 2% | $169–$455 |
| Patellar luxation | 0% | $1,000–$5,000 |
| Congenital heart disease | 0% | $534–$1,438 |
| Cancer | n/a | $3,415–$9,194 |
| Hip and elbow dysplasia | n/a | $2,291–$6,169 |
| Bloat | n/a | $3,709–$9,986 |
| Expected total | $0 | |
| Condition | Rate | Cost |
|---|---|---|
| Obesity | 9% | $168–$452 |
| Dental disease | 76% | $246–$663 |
| Skin disease | 36% | $252–$679 |
| Digestive disease | 30% | $354–$954 |
| Musculoskeletal disease | 15% | $281–$756 |
| Ear infection | 10% | $100–$270 |
| Anal sac impaction | 7% | $84–$226 |
| Lipoma | 6% | not priced |
| Arthritis | 4% | $281–$756 |
| Elbow dysplasia | 3% | $3,000–$5,000 |
| Hypersensitivity (allergic) skin disorder | 3% | $629–$1,694 |
| Hip dysplasia | 2% | $3,500–$7,000 |
| Autoimmune thyroiditis | 2% | $169–$455 |
| Skin (cutaneous) cyst | 2% | not priced |
| Degenerative myelopathy | 2% | not priced |
| Otitis externa | 2% | $100–$270 |
| Skin cancer/tumour | 2% | $3,415–$9,194 |
| Patellar luxation | 1% | $1,000–$5,000 |
| Congenital heart disease | 0% | $534–$1,438 |
| Hip and elbow dysplasia | n/a | $2,291–$6,169 |
| Cancer | n/a | $3,415–$9,194 |
| Expected total | $303 | |
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Both breeds carry surgical risk, and premiums are priced by breed
Expected vet costs are $0 for the Bernese Mountain Dog and $303 for the Labrador Retriever. Every policy excludes anything already diagnosed, so this is worth sorting out before you pick either dog.
Placement reserved — insurance-primary
Common questions
Is a Bernese Mountain Dog or a Labrador Retriever more expensive?
The Bernese Mountain Dog is cheaper by about $3,652 over a lifetime. Bernese Mountain Dog: $42,173. Labrador Retriever: $45,825. The gap comes mostly from health costs rather than routine care.
Which lives longer, a Bernese Mountain Dog or a Labrador Retriever?
The Labrador Retriever has the longer typical lifespan. Bernese Mountain Dog: 10.1 years. Labrador Retriever: 13.1 years.
Which is healthier, a Bernese Mountain Dog or a Labrador Retriever?
Both figures below are what it costs to own the dog, not what it costs if something goes wrong. The Bernese Mountain Dog's biggest single risk is skin disease, seen in 36% of the breed. For the Labrador Retriever it is obesity, at 9%.
How we calculated this
Both breeds run through one model, so the comparison is like for like. Full method.