Best Miniature Schnauzer Pet Insurance 2023: Cost, Quotes & Top Plans

schnauzer pet insurance

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This is the most comprehensive guide to finding the best pet insurance for Miniature Schnauzers.

For anyone with a furry friend, the thought of them falling ill or getting injured is enough to send you into a tailspin. And while we all hope our Schnauzers will never need medical treatment, the reality is that accidents and illness happen – often when we least expect it.

That’s where pet insurance comes in. But is it worth it? What types of illnesses and accidents are covered? How much will I pay to insure a Schnauzer?

We analyze and answer all aspects and concerns about getting pet insurance for your Schnauzer and also put together a list of our top recommended miniature schnauzer pet insurance providers. Let’s get started!

The Best Pet Insurance Companies For Miniature Schnauzers

Here are Canine Bible’s top 3 picks for the best pet insurance for Miniature Schnauzers.

You can click this link to go straight to the reviews, but we encourage you to keep reading to make a more informed decision about getting pet insurance for your Miniature Schnauzer.

healthy paws pet insurance
Top Pick

Best Overall

embrace pet insurance
Top Pick

Curable Pre-Existing Conditions

pets best pet insurance
Top Pick

Best Value

  1. Healthy Paws: Best overall pet insurance for your Miniature Schnauzer.
  2. Embrace Pet Insurance: Great for curable pre-existing conditions.
  3. Pets Best: Best value for your wallet.

What Is Pet Insurance?

Getting pet insurance for your Miniature Schnauzer dog is equivalent to getting health insurance for yourself. A pet insurance policy is designed to reimburse dog owners for unexpected veterinary expenses and related fees, giving them peace of mind and protecting their savings.

How Much Does Pet Insurance Cost For Miniature Schnauzers?

Miniature Schnauzers dog insurance price will vary based on your pet’s health history, age, gender, and location.

Your monthly payment could increase due to rising vet costs related to advances in technology and an increase in the number of claims near where you live. For instance, if your Miniature Schnauzer is quoted at $55 per month today, that price is subject to change.

Our team compared quotes for Miniature Schnauzer insurance plans from three popular providers to help you find the right fit for you in terms of monthly premiums and coverage.

We chose three Miniature Schnauzers at different stages in their life. An adult Miniature Schnauzer (5 years old), a young Miniature Schnauzer (1-year-old), and a puppy Miniature Schnauzer (3 months old).

Check out this Pet Insurance cost comparison table for Miniature Schnauzers.

Pet Insurance Quotes For Miniature Schnauzers

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50080%Unlimited$43.56Las Vegas
(zip code: 89106)
MaleMiniature Schnauzer5 years
Embrace$50080%$30,000$64.97Las Vegas
(zip code: 89106)
MaleMiniature Schnauzer5 years
Pets Best$50080%Unlimited$33.01Las Vegas
(zip code: 89106)
MaleMiniature Schnauzer5 years
Healthy Paws$50090%Unlimited$30.00Kansas City
(zip code: 64110)
FemaleMiniature Schnauzer1 year
Embrace$50090%$30,000$51.55Kansas City
(zip code: 64110)
FemaleMiniature Schnauzer1 year
Pets Best$50090%Unlimited$24.40Kansas City
(zip code: 64110)
FemaleMiniature Schnauzer1 year
Healthy Paws$50070%Unlimited$20.27Charlotte NC
(zip code: 28206)
FemaleMiniature Schnauzer3 months
Embrace$50070%$30,000$48.00Charlotte NC
(zip code: 28206)
FemaleMiniature Schnauzer3 months
Pets Best$50070%Unlimited$19.52Charlotte NC
(zip code: 28206)
FemaleMiniature Schnauzer3 months

So, how much are you expected to pay for canine insurance for your Miniature Schnauzer?

If you get Pet Insurance for your Miniature Schnauzer, you can expect to pay between $19 to $65 per month. Depending on where you live, what deductible, and the reimbursement percentage you choose, you may spend more or less.

NOTE: The quotes we ran were for dogs with no pre-existing conditions. All quotes are from March 2022.

Is Pet insurance For Miniature Schnauzers Worth it?

If you want to protect your dog and your finances in an accident, then insuring your pet is advised. Depending on your plan, you may receive a reimbursement of 70% to 90% of the vet bill.

Here are three main reasons you should consider getting pet insurance for your Miniature Schnauzer.

1. Avoid Deciding Between Your Wallet & Your Miniature Schnauzer

According to USA Today, many dog owners have had to put their pups down for lack of funds to pay for surgery or treatment.1

With pet insurance, you are to seek out medical care for your sick or injured Miniature Schnauzer without worrying about financial difficulties.

On average, the most common dog treatments cost $252.75, while a more severe and common condition in Miniature Schnauzers, like Sick Sinus Syndrome, can cost between $5,000 – $15,000 to diagnose and treat.2

2. Accidents

A survey conducted by the American Pet Products Association indicates nearly 70% of U.S. households own pets, and they estimate that about 1 in 3 pets will require emergency veterinary care every year.

So, how does that translate to Miniature Schnauzers numbers?

Well, according to the latest survey, there are roughly 90 million dogs in the U.S.3 So, unfortunately, 33% (1 in 3) of the Miniature Schnauzers population may end up needing emergency care.

This could lead to massive vet bills. In fact, the average cost of unexpected veterinary care for dogs is between $250 to $8,000, says Healthy Paws in a recent report.4

Having a good pet insurance plan will cover the majority of the vet costs as most pet insurance policies reimburse up to 80% (some go up to 90%) of total vet expenses after deductibles.

3. Common Health Issues For Miniature Schnauzers

The following table depicts Miniature Schnauzers’ most common health conditions are likely to develop.

We also include the level of risk (susceptibility to each health condition) and how much you are expected to pay.

ConditionRiskCost to Diagnose & Treat
Portosystemic ShuntsHigh$2,000 - $6,000
MyotoniaLow$500 - $1,500
Legg-Calve-Perthes DiseaseMedium$1,000 - $3,000
Mitral Valve DiseaseMedium$500 - $2,000
Atopic DermatitisHigh$100 - $1,000
HypothyroidismHigh$200 - $1,000
EpilepsyLow$8,000 - $15,000
DiabetesHigh$30-$150 per month
PancreatitisHigh$200 - $1,000
Idiopathic HypertriglyceridemiaHighVaries
Retinal DysplasiaHighVaries
Sick Sinus SyndromeHigh$5,000 - $15,000
PyometraMedium$1,000 - $2,000
Pulmonic stenosisLow$5000 - $10000
CataractsHigh$2,700 - $,4000
Mitral Valve DegenerationMedium$500 - $2,000
MyotoniaMedium$500 - $1500
Urinary StonesMedium$800-$1200 (The additional expenses for sedation or anaesthesia between $500-$1000)

Other Reasons To Get Dog Insurance For Your Miniature Schnauzer

  • Delivers peace of mind
  • Can cover your pet’s hereditary condition
  • Avoid veterinary rising cost
  • Can help you find your missing/stolen pet
  • Can cover third-party liabilities
  • Helps you save money

PRO TIP: If you know your dog breed is prone to develop certain health issues, we highly recommend getting a pet insurance policy when your dog is still healthy. If your dog does develop chronic conditions down the road, you’re guaranteed reimbursement for these issues throughout your dog’s life.

Pet Insurance for your Miniature Schnauzer can spare you a lot of financial trouble. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Miniature Schnauzer’s life.

Best Pet Insurance For Miniature Schnauzers

Here are Canine Bible’s top picks for the best pet insurance for Miniature Schnauzers.

We’ve reviewed each company based on specific breed needs, customer reviews, affordability, and other factors to help you choose the right company and coverage for your Miniature Schnauzer.

Best Overall: Healthy Paws

Healthy Paws is our top pick pet insurance company for Miniature Schnauzers. 

If you file a claim with Healthy Paws, there is no cap on the payout. 

A Healthy Paws insurance plan may cover accidents, illnesses, cancer, emergency care, genetic conditions, and alternative care.

They have competitive premium prices. We ran a quote for a healthy Miniature Schnauzer at a $500 deductible, with 70%, 80% or 90% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $20 and $44.

With Healthy Paws, you can start protecting your Miniature Schnauzer at just 8-weeks old. You can protect them from anything like a pesky bee sting to parvo.

Once you pay your deductible, there is no limit on the amount your policy can reimburse you. It also has fewer coverage exclusions compared to many competitors. Healthy Paws states that they pay 99% of claims in two days.

  • You can submit your claim online or via their app
  • Pet are eligible for coverage when they travel with you in the U.S. or Canada (up to 3 months)
  • BBB Rating: A+
  • Great email response time
  • Direct deposit or check reimbursement
  • No limit to how many claims you can make
  • 15-day waiting period for accident and illness
  • Doesn’t cover veterinary exam fee and behavioral therapies
  • No wellness plan
  • There is a one-time enrollment fee of $25
  • Can’t enroll pets over 4 years old in NY

Embrace Pet Insurance Review: Great For Curable Pre-Existing Conditions

Embrace Pet Insurance is your best choice if your Miniature Schnauzer has a curable pre-existing condition!

Most pet insurance companies do not cover pre-existing conditions, but Embrace distinguishes between curable and incurable pre-existing conditions. They can cover curable conditions after 12 months of symptom and are treatment-free.

Based on our research, if you sign up with Embrace, you can expect to pay between $48 and $65, but prices may vary depending on your location, Miniature Schnauzer’s age, and other factors.

From tooth extractions to torn ligaments, Embrace has you covered when your Miniature Schnauzer gets hurt unexpectedly. They can also cover Mitral Valve Disease treatment, which Miniature Schnauzers are prone to, as long as they were diagnosed after coverage.

Claims are addressed fairly quickly (averages 10 to 15 business days), and centers for after-hour treatment are included in emergency care coverage. 

Also, your Miniature Schnauzer’s annual deductible goes down $50 each year you don’t receive an accident or illness claim reimbursement.

  • Curable pre-existing conditions eligible for coverage
  • Reimburses for preventative veterinary care, grooming, training, and more with no per-item limits payout caps under their optional Wellness Rewards* plan
  • Coverage for exam fees
  • 24/7 PawSupport Pet Health Line to speak with a pet professional
  • BBB rating is A+
  • 10% multiple pet discounts
  • Coverage when traveling outside of the U.S. with your pet
  • $25 enrollment fee
  • $1.00 monthly transaction fee
  • Requires a 2-day waiting period for accidents
  • Must call for unlimited claim option

*Wellness Rewards not available in Rhode Island.

Best Value: Pets Best Review

Pets Best offers excellent pet insurance coverage for your Miniature Schnauzer, but that’s also affordable.

We ran a few quotes for a healthy Miniature Schnauzer at a $500 deductible with a 70%, 80%, and 90% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $20 and $33, depending on your location, pet’s age, gender, and other factors.

This company has no upper age limit so that you can enroll your aging Miniature Schnauzer in a plan no matter their age. Keep in mind that rates go up depending on your pet’s age.

Their plans cover emergencies, cancer, illnesses, and other situations your senior dog may encounter. It even includes access to a 24/7 Pet Helpline so you can speak with a veterinarian any time.

It typically has a reasonable claim repayment time of 2 days if you have a direct deposit. If you don’t, it will take between 5-7 days.

  • Most affordable coverage pricing
  • BBB Rating: A+
  • 24/7 Pet Helpline to speak with a vet expert
  • Pet travel is covered in the U.S., Canada, and Puerto Rico
  • 30-day money-back guarantee
  • Routine care coverage
  • 5% multi-pet discount
  • No age limits
  • Accident and illness exam fee coverage
  • 14-day waiting period for illness and 3 days for Accident
  • Premiums increase as pet ages
  • 6-month waiting period for CCL injuries
  • Average claim repayment is longer than the competition

Average Cost of Miniature Schnauzers Vet Bills (Healthy Vet Visit vs Emergencies)

Aside from treatment costs for specific health conditions, here is a general overview of the average price for common regular vet visits and emergency visits.

If you have no pet insurance, you should expect to pay similar amounts for either type of visit out of pocket.

Healthy Vet Visits

  • Puppy vaccinations: $75-100
  • Flea & tick prevention: $40-200
  • Heartworm prevention: $24-120
  • Spay or neuter surgery: $200-800
  • Annual exam: $240-600
  • Teeth cleaning: $200-500
  • Microchip: $40

Emergency Vet Visits

  • General consultation/exam: $100-$150
  • General bloodwork: $80-200
  • X-rays: $150-$250
  • Ultrasound: $300-$600
  • 1-2 day hospitalization: $600-$1,700
  • 3-5 day hospitalization: $1,500-$3,500
  • Wound treatment & repair: $800-$1,500
  • Emergency surgery: $800-$2,500
  • Oxygen therapy: $500

Sources: Emergency Vets USA & Rover

Pet Insurance For Miniature Schnauzers Puppy

Should you get pet insurance for your Miniature Schnauzer puppy? Here are the top reasons you should consider Miniature Schnauzer puppy insurance.

  • Lower Premiums. Younger pets are cheaper to insure than their older counterparts. Because pet insurance rates are based on age, breed and location, your premium is lower with puppies.
  • Covering Future Conditions. If you know your dog breed is presdisposed to certain health issues, it’s best to insure your puppy before he shoes shows any symptoms or is diagnosed with an illness or issue. Most pet insurance provides won’t cover pre-existing conditions. However, if your puppy develops one (i.e. cancer, allergies, diabetis) when insured, your pet insurance company will cover the cost and any future expenses.
  • Puppies Get In Trouble. Miniature Schnauzers puppies will eat, chew and lick pretty much anything. They are more prone to suffer from accidents and bacteria, virus infection.
  • Puppy Vet Bills. When you get a puppy for the first time, there are a lot of expenses associated with rasing a puppy. From toys, food to vet-related expenses. In fact, 81% of pet parents spend up to $500 on vet visits in the first year of having a puppy. While, the upfront costs for first-year pet ownership typically cost over $1,000 says the ASPCA.

Types of Pet Insurance Coverage

What does pet insurance cover? It depends on your plan. There are two main types of pet insurance plans.

Accident Plans: Covers accident-related medical care such as ingestion of foreign objects, poisoning, or if your Miniature Schnauzer was hit by a car.

Illness Plans: Coves unexpected sickness, disease, and any changes to your dog’s normal healthy state (i.e., allergies and cancer)

You can sign up for 1 or 2 (or both), but this will mostly depend on your Miniature Schnauzer needs and finances. Most pet insurance companies nowadays offer a single plan that includes accident and illness.

In addition to that, pet insurance providers also offer wellness plans, also known as “routine” or “preventative.” care plans. It covers most routine vet visits, such as vaccinations. A wellness plan is not pet insurance.

Take a look at the table below to see the most common items covered by each type of pet insurance plan.

Accident CoverageIllness CoverageWellness Coverage
Broken bonesObesityFlea, tick and worm treatments
Torn ligamentsUTIsRabies
Bite woundsCancerMicrochip
InjuriesDigestive Issues
teeth cleaning
Routine testing
Eye InjuriesVomiting and diarrheaAnnual exams
Snake BiteArthritisSpay and neuter
Toxin food ingestionParasitesUrinalysis (ERD)

*i. Not all pet insurance companies offer wellness plans. ii. Coverage items will depend and vary depending on the company and plan you choose.

What Does Pet Insurance Not Cover?

Pet insurance doesn’t cover it all!

When buying Pet Insurance for your Miniature Schnauzer, you’ll need to carefully review the different plans to see what isn’t covered.

Most pet insurance policies exclude the following:

  • Grooming
  • Pre-existing conditions
  • Unrelated veterinary services
  • Behavioral training, therapy or treatment 
  • Breeding and pregnancy
  • Dog food or dietary or nutritional supplements
  • Boarding and transportation

This exclusion will vary depending on which pet insurance company and plan you choose.

Pro Tip: Please always READ your policy! Request the full list of exclusions before getting pet insurance. This will ensure your Miniature Schnauzer is fully covered by the plan you pick and help you avoid running into surprises down the road.

How Do I Pick The Right Dog Insurance For My Miniature Schnauzer?

Here are eight tips to help you choose the best pet insurance policy for your Miniature Schnauzer.

  1. Compare the coverage under each plan with your Miniature Schnauzer’s specific health concerns.
  2. Research what illnesses are prevalent in your dog’s breed and pick your plan accordingly (Use our table above for the most common Miniature Schnauzers health issues).
  3. Speak with your veterinarian about your dog’s aging health concerns.
  4. Pick a plan based on the right cost and coverage benefits, not price alone.
  5. Obtain at least three quotes based on the information you provide about your Miniature Schnauzer’s age, health, gender, and needs.
  6. The earlier you sign your Miniature Schnauzer for pet insurance, typically means lower the monthly premiums 
  7. Evaluate and pick the monthly premium, deductibles, and reimbursement amount that best fits your needs.
  8. Narrow down your choices with our recommended top 3 providers.

Should I Get Miniature Schnauzer Pet Insurance?

It’s never a pleasant experience to see a Miniature Schnauzer who is ill or injured and can’t get treatment because your finances are not sufficient to cover the bills.

Yes. Insuring your Schnauzer is recommended. Veterinary bills are just one more expense that can cause people to fall into debt. You need to be proactive in finding ways to pay for your pet’s health care.

There are a number of options available, and each person’s financial situation is unique, so it is vital to explore all of the possibilities to ensure your dog is covered for any health emergencies.

Resources & References: [1] USA Today, [2] Value Penguin, [3] Washington Post [4] Healthy Paws Report

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Editorial Team at Canine Bible | + posts

Canine Bible authorship represents the unified voice of our entire editorial team rather than a single author. Each article, blog post, and review published under the Canine Bible name undergoes a rigorous review process, involving all team members to guarantee accuracy and up-to-date in accordance with the latest veterinarian research. This collaborative effort is an integral part of our editorial process and aligns with our four pillars of content creation. This approach ensures our content is backed by expert knowledge and factual information, offering our readers reliable, actionable, and trustworthy content.

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