While you might suspect that owning a dog would cost you the same no matter which breed you have, that's simply not true.

Insurance specialist at Quotezone.co.uk found that five dog breeds are the most expensive to own in the UK. Commenting on the data, Greg Wilson, CEO and pet insurance expert at Quotezone.co.uk, said the cost of owning a dog can be greatly impacted by vet bills.

"Pets can get into all sorts of unexpected scrapes," Mr Wilson cautioned. "So pet insurance is ideal to help give owners peace of mind when it comes to expensive vet bills which can escalate quickly."

However, "there’s a selection of pups" that are flagged as high risk, so some insurance policies won't cover them.

"Some insurance policies won’t cover some common hereditary conditions in specific breeds," Mr Wilson made clear.

Most expensive breeds

One of the most expensive dog breeds to have is the Bullmastiff, averaging £286 in annual insurance costs. Common health issues for the Bullmastiff includes joint issue and heart issues, flagging them as a high-risk breed for insurers.

Following close behind is the Great Dane, with average yearly premiums reaching £271. Great Danes are prone to hip dysplasia and gastric dilation-volvulus, which can lead to costly vet bills.

Other expensive dog breeds are the Irish Setter (£205) and the Rhodesian Ridgeback (£204); because of their size, and breed specific health issues, they may require more frequent vet visits.

Mr Wilson said: "It’s important for pet owners to research the breed they are rescuing or buying and ensure their pet insurance has them covered.

"Insurance is also important for managing costs as pets get older and need more regular care. Some policies even helping with end-of-life expenses, which can be a big relief during tough times."

Dog breed and annual pet insurance premium (from most to least expensive to cover)

1. Bullmastiff - £286.20
2. Great Dane - £271.20
3. Irish Setter - £205.42
4. Rhodesian Ridgeback - £204.25
5. Weimaraner - £194.88
6. Boxer - £174.26
7. Basset Hound - £172.31
8. German Shepherd Dog Cross - £170.77
9. Shetland Sheepdog - £165.08
10. Hungarian Vizsla - £161.40
11. Dorset Old Tyme Bulldog - £159.72
12. Dogue de Bordeaux - £157.08
13. Flat Coated Retriever - £154.63
14. Collie _ £153.98
15. Siberian Husky - £153.12
16. Bearded Collie - £151.63
17. Bernese Mountain Dog - £150.26
18. Greyhound - £150.26
19. Alaskan Malamute - £149.16
20. Bernese Mountain Dog Cross - £147.78

How to save money on pet insurance

• Pay annually, if possible
• Shop around to compare prices
• Try multi-pet insurance
• Review the excess