7 Best German Pinscher Pet Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

The German Pinscher sounds like a big dog, but it’s a big dog personality in a medium dog’s body. While he may seem like the smaller version of the look-alike Doberman Pinscher, that’s not necessarily the case. The two share similarities, but they are two distinctly different breeds. You’ve added the medium-sized German Pinscher to your family and now you’re looking to help keep him around for as long as possible by purchasing pet insurance. With a lifespan of 12-16 years, your handsome canine is a breed that is considered to be robust and healthy, but not immune to issues. Some problems that may face him during his lifetime are hip dysplasia, eye disease, von Willebrand’s disease and some heart problems. You’ve made the smart move to start finding dog insurance now because you know it can help make the cost of caring for your German Pinscher more affordable. As a dog lover and licensed insurance agent, I am here to help make sense of the pet insurance options that are available to you and your German Pinscher. Read more about our unbiased ranking methodology and advertiser disclosure.

Top German Pinscher Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best German Pinscher pet insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old German Pinscher with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR GERMAN PINSCHER

$29.67/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around German Pinscher Pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
pumpkin logo
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR GERMAN PINSCHER

$61.48/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cos
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR GERMAN PINSCHER

$113.27/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
aspca
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR GERMAN PINSCHER

$39.72/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • ASPCA is one of the most trusted names in the pet insurance industry. They have paid out almost $350 million dollars in claims since 2006
  • ASPCA is unique in that they offer affordable “accident-only” plans. Also, you can save 10% for multiple eligible pets
  • Founded in 1997 and underwritten by Crum & Forster
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR GERMAN PINSCHER

$57.52/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR GERMAN PINSCHER

$57.53/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR GERMAN PINSCHER

$53.52/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with German Pinscher Pet vets via video chat 24/7
  • They also have an easy-to-use pet records app and real-time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR GERMAN PINSCHER

$29.67/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around German Pinscher Pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

German Pinscher Pet Insurance FAQs

What is dog insurance and why is it useful for German Pinschers?

There are many things you need to do to maintain your dog’s health. You need to feed him, provide water, exercise, lots of love and medical care, just to name a few. Another key item to help maintain your dog’s health is pet insurance. It may not be the first thing that comes to your mind. Still, dog insurance will help take care of medical expenses for your German Pinscher and will support you with the financial costs of the veterinary care that’s required to help your dog maintain his health throughout his lifetime. Dog insurance may not cover the entire cost of owning your dog. Still, it will save money by covering a significant portion of veterinary bills. Purchasing and utilizing dog insurance is easy, all you need to do is select a plan, make the required monthly payments to keep the policy active, and that’s it. Then, when the need arises, you submit receipts for reimbursement from your insurance provider.

Dog insurance is helpful if you have a German Pinscher as it helps you be ready for anything that may unexpectedly pop up. A few issues that will have you driving to the vet more than once include hip and elbow dysplasia, eye disease, von Willebrand’s disease (a bleeding disorder) and cardiac disease. Treatment from any one of these issues on the list will require ongoing veterinary treatment that will add up quickly. Having dog insurance means your German Pinscher will receive the necessary treatment without bleeding your bank account dry.

How old does my German Pinscher need to be insured?

Dog insurance providers will typically want puppies to be at least eight weeks old to start insurance coverage. You should work on enrolling your German Pinscher in a dog insurance plan the moment you bring him home for the first time. Most pet insurance premiums are based on age, which means the younger you can enroll your German Pinscher in a policy, the better.

What are common insurance claims for German Pinschers?

German Pinschers are known as a robust, healthy breed, but even with that good stock, there are still conditions that your German Pinscher may be prone to facing. That list includes hip and elbow dysplasia, eye problems such as cataracts, von Willebrand disease, thyroid disorder and cardiac disease. Your pup is likely also very active, so there’s always the potential that your German Pinscher gets physically hurt with a broken bone or torn muscle. All of these conditions will need ongoing medical treatment and monitoring by a veterinarian, so pet insurance is a must.

What services for my German Pinscher are covered by dog insurance? What services are excluded from coverage?

Pet insurance coverage can take on many forms. Your policy will likely cover surprise injuries or accidents and can also include surgery, medication, medical tests, emergency care and exam fees. Some pet insurance plans also cover hospitalizations and preventative care. Almost any scrape your German Pinscher might come across during his lifetime can be covered.

Similarly, some issues may be excluded in your plan. A reminder that most dog insurance policies will not cover the cost of care for pre-existing conditions, which is why enrolling your German Pinscher in a policy as soon as possible is important.

How does reimbursement work?

You, as your German Pinscher’s person, are responsible to pay the medical bill upfront and then submit the vet bill for reimbursement to the insurance provider. Your German Pinscher insurance provider will then pay you back a certain percentage of that bill. Your insurance company will determine how much money you’ll receive back based on your deductible and reimbursement rate.

Should I enroll in a high-deductible or low-deductible plan?

There’s a pet insurance plan to fit any budget. You can choose from high-deductible plans, low-deductible plans, and even plans with no deductible at all. It really just depends on how you want to manage your finances for your German Pinscher. Policies work like any other insurance policies; the higher the deductible, the lower the monthly payment typically, which means you’ll pay a higher cost during those unexpected emergencies. The last thing on your mind during a pet emergency visit should be how I will pay for this expensive vet bill. The lower deductible plan may be for you, which means a higher monthly payment, but that will equal less of a financial surprise during a stressful medical emergency.

5 Tips for Keeping Your German Pinscher Safe & Healthy

Your cute, adorable German Pinscher is home and finding all of the good napping spots around your house. You’ve enrolled in a dog insurance plan, now here’s a few more ways to ensure that your German Pinscher will be around for as long as possible.

1. Regular Exercise

Your German Pinscher is agile, athletic and an all around high-energy breed that needs daily exercise to maintain his physical health and mental well-being. In addition to the usual running, walking and hiking (by the way, with his extremely keen senses, he could hike for hours and not get tired), you may want to try things that will physically and mentally challenge him. Agility and tracking sports may be something to try to keep him on his toes, and from getting bored, because a bored German Pinscher is a dog that will get into trouble and fast.

2. Training and Socialization

German Pinschers are highly intelligent, and quick learners, but they can be very manipulative (they really know how to work their people to get what they want). Don’t be afraid to ask for training help from a professional as previous experience working with this type of breed will go a long way in helping to train your German Pinscher. This guy is a strong watchdog who is willful and mischievous who will require socialization and obedience training early on in his life. In addition to positive treat training, the key point will be to make sure your German Pinscher is interested and engaged in the training process.

3. Nutritious Diet

The German Pinscher is a high-quality dog that requires high-quality dog food, but nothing out of the ordinary when it comes to what all dogs eat. Food can be commercially purchased or homemade. Always keep in mind that food should be appropriate for your pup’s age with puppy food formulated for your little one and senior food for your older dog. Treats will be an important part of a positive training routine, but giving too much can also cause issues. It’s best to work with your vet on a healthy weight range for your dog. Also important is always to have clean, fresh water available.

4. Love and Affection

Your German Pinscher is a loyal and loving watchdog. He doesn’t bark for no reason. If he’s barking, he’s trying to tell you something, so it’s always a smart move to listen. Your pup doesn’t like to be left alone. When he’s finally tired himself out for the day and he’s ready to settle down, he’ll be more than happy to curl up on the couch with you, or at your feet, for some relaxing nap time. Extra love and attention will always go a long way.

5. Regular Grooming

Good news on grooming, your German Pinscher’s short dense coat is really a wash n’ wear kind of outfit. Weekly grooming with a brush and the occasional bath is all that’s really needed to keep that beautiful fur smooth and shiny. For an added bonus, you can use a grooming mitt or a rubber curry comb to help release the natural oils in his skin, which will have the side benefit of removing any loose hair. Like all dogs, his nails should be trimmed as long nails can cause walks to become painful. Those beautiful, pointy ears should also be checked weekly for wax build-up. Finally, his teeth need to be brushed often (look for toothpaste that’s made just for dogs).

Conclusion

Your German Pinscher has the unique quality of the personality of a big dog with the more manageable size of a medium-sized breed. The mountain of things it takes to keep a dog healthy can be overwhelming, but some things can help. One of the most important is purchasing a dog insurance policy for your German Pinscher. There are a lot of options when it comes to finding the best insurance for your pup, and let’s not even get started on the enrollment process, which is exactly why I’m here to help guide you. You must select the best plan for you and your dog, pay the monthly premium, and then your German Pinscher is covered for the many reasons he may need veterinary care. Pet insurance coverage means your pup can receive the necessary treatment without the stress of facing a pile of medical bills.

After extensive research, we conclude that Lemonade pet insurance offers the best dog insurance policy at the lowest monthly price for German Pinschers.

SwiftScore Ranking Methodology for German Pinschers

We ranked the best pet insurance policies for German Pinschers based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old German Pinscher with a $500 deductible located in the 90210 zip code
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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