2024 Best Pet Insurance for German Shepherd Dog

Last updated Feb 10, 2022

Are you a dog/cat owner or considering adopting? You've come to the right place! Check everything you need to know about German Shepherd Dog below to see if they're the great fit. We'll cover breed characteristics, personality, common health issues, care and sanitary information and pet insurance cost. While pet insurance usually doesn’t cover pre-existing conditions such as hip dysplasia and degenerative myelopathy, it helps cover the vet’s bills in case your pet gets sick or injured. The average pet insurance premium for dog is around $218.13 per year for accident only and $594.15 per year for accident and illness.

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The German Shepherd Dog is a huge, agile, muscular canine with a noble disposition and excellent intelligence. It is widely regarded as dogkind's best all-purpose worker. The German Shepherd is a dog lover's dream: loyal, confident, courageous, and steadfast.

If properly trained, he can be a good family dog, but he will require professional handling. He enjoys training and requires a firm and steady touch. When it comes to picking a family pet, some GSDs have a very high working drive and should be avoided. Fearfulness-related aggression has been been documented in the breed, therefore temperament must be carefully monitored.

Common Health Problems/Possible Pre-Existing Condition

Health Problem Risk Medical Cost
Hip dysplasia $1,500-$6,000
Degenerative myelopathy $2,000-$4,000

Average Size and Life Expectancy


Average Pet Insurance Cost and Why Your German Shepherd Dog Need it?

The majority of our German Shepherd Dog pet parents spend between $39 and $86 per month for comprehensive accident and illness coverage.

Depending on where you reside, the age of your dog, and the policy settings you select, pet insurance may cost more or less. German Shepherd Dog policies can be more costly than mixed breed policies since German Shepherd Dog are considerably more likely than mixed breed dogs to file claims for inherited diseases that are expensive to treat.

According to the 2021-2022 APPA National Pet Owners Survey, the annual expenses of surgical vet visits for dogs is $458 on average and the average annual expenses of routine vet visits for dogs is $242. But if a pet becomes ill or has an accident, those expenses can increase drastically.

Every year, 1 out of every 3 pets will require emergency treatment. According to Petplan, the typical cost of unexpected veterinary care for pets ranges from $800 to $1,500 while around 61 percent of Americans do not even have enough money set up to meet a $1,000 emergency. You’ll always need a pet insurance to save your life because unanticipated crises and operations are the most unaffordable burden. Pet insurance won’t cover all the spending at the vet, but it can help you from going bankrupt in just a snap.

After you pay a deductible, which can vary from $0 to $1,000 or more depending on your plan, an insurance policy normally pays 70% to 90% of your costs.

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Care & Sanitary

A German shepherd is a double-coated dog breed that needs to be groomed on a regular basis. Brushing your dog on a daily basis is a good idea if your dog is young and active. Brush your older, more sedentary dogs every several days. Brushing your dog is a terrific way for you and your dog to bond.

Once a month, give your German shepherd a bath. More than that could dry out their coat or irritate their skin. If his nails aren't worn down naturally, it's vital to clip or grind them every month, as extremely long nails can create pain and structural concerns.

Other Tips to Save Money on Pet Insurance

  • Higher deductible
    Consider having higher deductible plan if you only make one or two claim annually. The higher your deductible, the cheaper your monthly premium will be. But if your pet needs to visit the vet on a regular basis, a high deductible could harm your pocket badly.
  • Lower reimbursement plan
    Limit the amount you get from insurer if you file a claim. Just like the higher deductible, it could decrease your monthly rates but also risky if your pet get seriously ill often.
  • Pay annually
    Some insurer are willing to provide discount if you agree to an annual payment.
  • Insure them in an early age
    The younger your pet, the lower the insurance rates will be. Young pets usually have fewer pre-existing conditions. Oftentimes, accidents can happen sooner than you think. Keep in mind that the insurers normally have an age limit(from 7 to 14 years old, depending on companies) that they will not accept your pet.
  • Shop around
    Always look for better deals. You may compare pet insurance quotes through comparison websites, just like you can with other insurance, but you should also do your own research.


Find the best and cheapest pet insurance

Compare the top insurance brands at once for free