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The Doberman Pinscher, or Dobie, is an energetic breed that loves human interaction but needs a lot of exercise and mental stimulation. With the right owners, Dobies make excellent family dogs and guardians. However, this breed is prone to some serious health concerns, making pet insurance an excellent investment consideration.
Due to genetics and their temperament, Doberman Pinschers are at risk for some costly accidents and health conditions. These include knee injuries, intestinal blockage, hip dysplasia, several eye and skin disorders, heart, liver, and thyroid diseases, and more. Meeting your dog’s medical needs can be expensive and emotionally draining. However, there is a solution to ease your concerns – pet insurance. Pet insurance can provide much-needed relief by covering a significant portion of your Doberman’s medical expenses.
With a decade of experience in the field and a thorough understanding of breed-specific health issues, I am here to assist you. I’ll help you know the common health challenges Doberman Pinschers face and their associated costs. I’ll also guide you in finding the best insurance providers for your Doberman based on your specific needs and circumstances.
Best Pet Insurance For Dobermans
Purebred dogs like Dobermans have specific pet insurance requirements. After extensive research, I’ll provide you with the top pet insurance options for Doberman Pinschers. I’ve considered various factors in selecting these providers, including coverage options, breed-related health issues, age, premium costs, and more.
| Best For | Company | Get Quotes | Read In-Depth Reviews |
|---|---|---|---|
| Doberman Puppies |  |  | Read Review |
| All-Inclusive Policies |  | | Read Review |
| Unlimited Payouts |  | | Read Review |
| Customizable Plans |  | | Read Review |
| Older Dobermans |  | | Read Review |
| Most Affordable |  | | Read Review |
| Vet Direct Pay |  | | Read Review |
Best For Doberman Puppies: Pets Best
- Policy Options: Accident-Only, Accident & Illness, Wellness
- Annual Deductible Options: $50, $100, $200, $250, $500, $1,000
- Annual Payout Options: $5,000, $10,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Pets Best
If you’re searching for the perfect insurance for your Doberman puppy, I highly recommend Pets Best. They offer affordable premiums and comprehensive coverage. You can get your puppy covered earlier — at just seven weeks old — than several other insurers. With a brief three-day accident waiting period, you can rest easy knowing your puppy is protected, particularly during those playful moments when they could get hurt or inadvertently consume something they shouldn’t.
Pets Best stands out by being among the few companies that provide accident-only plans for budget-conscious owners. Furthermore, they offer an affordable wellness plan add-on. This is great for managing regular veterinary expenses like annual check-ups and vaccinations and ensures that your puppy stays as healthy as possible throughout life.
Expert Price Analysis
After comparing quotes from various leading providers, I discovered that Pets Best’s basic plan with lower coverage ($5,000 payout, 70% reimbursement, and a $1,000 deductible) often had among the best rates for Doberman puppies.
| Pros | Cons |
|---|---|
| Affordable pricing for Doberman puppies | Claim processing time is longer than usual, taking between 18 to 30 days |
| Offers accident-only policies (rare in the industry) | Added charges for vet exam fees and complementary care* coverage |
| Save 5% when you insure more than one pet | Waiting period for CCL coverage under accident and illness plans is 6 months |
| Covers curable pre-existing conditions once they have fully healed | Accident-only plan does not cover CCL injuries |
| Much shorter than average hip dysplasia waiting period of 14 days | |
| Offers 2 wellness plan add-ons | |
| Has no upper age restrictions |
In-Depth Review Of Pets Best
Don’t miss my detailed review of Pets Best for more information on this provider’s extensive coverage, multiple plan options, customization features, short waiting periods, and more.
Best For All-Inclusive Policies: Fetch
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $250, $300, $400, $500, $700
- Annual Payout Options: $5,000, $10,000, $15,000
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Fetch
Fetch is an outstanding choice for Dobie owners seeking broad pet insurance coverage without needing upgrades or add-ons. What sets Fetch apart is that all policies include coverage for vet exam fees, dental illness, behavioral and complementary therapies, and even C-sections. Many other insurers often require upgrades for these benefits or don’t even cover them.
In addition to these extensive features, Fetch also offers unique benefits. For example, all policies provide up to $1,000 annually (deductible-free) for online vet consultations and trip cancellation coverage if your pet falls ill. Fetch makes things even easier by providing pre-approval for procedures and cost estimates before treatment. This ensures that you can have peace of mind, knowing that your Doberman will receive the necessary care.
Expert Price Analysis
When I compared quotes for Dobermans of different ages and locations, I found that Fetch’s maximum coverage ($15,000 payout, 90% reimbursement, and $100 deductible) was frequently less expensive than other insurers offering comparable coverage. However, Fetch’s pricing for a $5,000 payout, 90% reimbursement, and $500 deductible were most often above average, even when I tacked on vet exam fee coverage for other insurers.
| Pros | Cons |
|---|---|
| All policies include more health coverage than most other insurers | Lengthy 15-day waiting period for accidents |
| Covers curable pre-existing conditions after a year has gone by without any symptoms | Waiting periods for hip dysplasia and CCL coverage are 6 months |
| Special perks include trip cancellation, $1,000 for online veterinary consultations, and more | No savings on policies for insuring more than 1 pet |
| Offers a wellness plan add-on | |
| Provides preliminary approval for treatment procedures and estimated expenses | |
| Has no upper age restrictions |
In-Depth Review Of Fetch
I recommend checking out my in-depth review of Fetch to discover more about its extensive coverage, unique perks, waiting periods, and many other features.
Best For Unlimited Payouts: Healthy Paws
- Policy Options: Accident & Illness
- Annual Deductible Options: $100, $250, $500, $750, $1,000
- Annual Payout Options: Unlimited
- Reimbursement Options: 50%, 60%, 70%, 80%, 90%
Why I Picked Healthy Paws
Dobermans are prone to various expensive injuries and genetic health problems, making it a smart choice to consider pet insurance with no annual payout limits, like Healthy Paws. With their unlimited yearly coverage, you can be comforted knowing your furry friend will get all the necessary vet care.
While Healthy Paws pet insurance may seem pricier initially because of its unlimited payouts, it actually offers competitive plans that can be more cost-effective than other insurers with comparable deductibles, reimbursements, and unlimited annual payouts. Additionally, Healthy Paws is known for its quick claim processing and excellent customer satisfaction ratings.
Expert Price Analysis
Comparing Healthy Paws’ premiums to those of other insurance companies can be tricky since Healthy Paws provides unlimited payouts exclusively. However, I found that the cost of insuring a Doberman tends to be comparable to, or just a bit more than, plans from other insurers that offer a $5,000 payout, along with similar deductibles and reimbursement choices.
| Pros | Cons |
|---|---|
| All policies come with unlimited annual/lifetime payouts | Limited customization options for Dobermans in many locations, especially as they age |
| Frequently less expensive than policies from other insurers with unlimited caps and similar coverage | Some Dobies aren’t insurable based on age and location |
| Complementary therapies are covered | No ability to add coverage for veterinary exam fees or behavioral therapies |
| Typically takes just 2 days to process claims | Hip dysplasia coverage is unavailable for dogs who enroll at age 6 or older |
| Waiting period for CCL coverage is only 15 days (many are 6 months) | Much longer than average hip dysplasia waiting period of 12 months |
| Consistently highly rated for customer satisfaction |
In-Depth Review Of Healthy Paws
Check out my thorough review of Healthy Paws to discover more about this provider’s reputation, plan options, coverage and exclusions, waiting periods, and additional details.
Best For Customizable Plans: Figo
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750
- Annual Payout Options: $5,000, $10,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%, 100%
Why I Picked Figo
To assist you in creating the ideal pet insurance plan for your Dobie, Figo provides a range of options. They offer three pre-established plans for accidents and illnesses and the option to modify the deductibles, reimbursement rates, and annual payout to meet your budgetary requirements. With features like 100% reimbursement and unlimited yearly payouts, Figo stands out in the pet insurance market.
Every Figo policy also offers comprehensive coverage that addresses conditions like gum disease and provides behavioral and complementary therapies. Figo’s short one-day accident waiting period, average claim processing time of three days, and outstanding customer service are even more impressive.
Expert Price Analysis
Figo’s pricing for Doberman puppies was frequently among the most affordable for lower coverage ($5,000 payouts, 70% reimbursement, and a $750 deductible) but not for higher coverage. For older Dobies, Figo’s premiums were consistently above average.
| Pros | Cons |
|---|---|
| Flexible options to design the perfect plan | Coverage of vet exam fees requires an additional expense |
| 100% reimbursement option, which is rare in the industry | Waiting periods for hip dysplasia and CCL coverage are 6 months |
| Typically takes just 3 days to process claims | |
| Covers curable pre-existing conditions after a year has gone by without any symptoms | |
| Offers a wellness plan add-on | |
| Your deductible reduces $50 each year you don’t make a claim | |
| Save 5% when you insure more than one pet | |
| Has no upper age restrictions |
In-Depth Review Of Figo
To learn more about this insurer’s customization options, coverage, reimbursement process, and my personal experience, check out my in-depth review of Figo.
Best For Older Dobermans: Embrace
- Policy Options: Accident-Only, Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750, $1,000
- Annual Payout Options: $2,000, $5,000, $8,000, $10,000, $15,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Embrace
Insuring Doberman Pinschers as they age can be quite expensive due to the potential for costly health conditions. However, Embrace stands out by offering more reasonable premiums for older Dobies, especially during their senior years (around seven years old). Embrace provides comprehensive accident and illness coverage, including complementary care, $1,000 annually for dental illness, behavioral therapies, and curable pre-existing conditions. Plus, you can add vet exam fees and prescription drug coverage for more extensive benefits. Also, investing in one of their wellness plans can help keep your aging pup as healthy as possible in their golden years.
Expert Price Analysis
When comparing quotes for Dobermans over five years old in different locations, I found that Embrace consistently offered some of the most budget-friendly premium pricing for similar coverage compared to other insurance providers. This was true even when including coverage for vet exam fees and prescription drugs. For younger Dobies, Embrace’s lower coverage was often competitively priced.
| Pros | Cons |
|---|---|
| Among the most affordable premiums for Dobermans older than 5 | Coverage of vet exam fees and prescription meds requires additional expenses |
| All policies include behavioral therapy, complementary care, and a $1,000 allowance for dental illness | Some Dobermans are ineligible for insurance based on age and location |
| Save 10% when you insure more than one pet | Waiting periods for hip dysplasia and CCL coverage are 6 months |
| Your deductible reduces $50 each year you don’t make a claim | |
| Covers curable pre-existing conditions after a year has gone by without any symptoms | |
| Offers a wellness plan add-on |
In-Depth Review Of Embrace
Please read my thorough review of Embrace if you’d like more information about this insurance company’s coverage, benefits, add-ons, waiting periods, and more.
Most Affordable: Lemonade
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750
- Annual Payout Options: $5,000, $10,000, $20,000, $50,000, $100,000
- Reimbursement Options: 60%, 70%, 80%, 90%
Lemonade Pet Insurance Is NOT Available In: AK, AZ, DE, HI, ID, KS, KY, LA, ME, MT, WV, WY
Why I Picked Lemonade
When it comes to Dobermans, premium pricing is a significant factor to consider for insurance. Lemonade stands out in terms of affordability, making it an excellent choice for budget-conscious Dobie owners. The basic plan offered by Lemonade is often one of the most competitively priced options available. For those seeking additional coverage, Lemonade provides reasonably priced add-ons for vet visit fees, complementary care, behavioral therapy, dental illness, and end-of-life care. This flexibility ensures you can tailor your pet’s insurance to meet your specific needs while still keeping costs manageable.
Despite being a relatively new player in the pet insurance industry, Lemonade has quickly gained recognition since its debut in 2020. One reason for this is the outstanding customer feedback it has received, particularly regarding its efficient claims processing.
Expert Price Analysis
After looking at insurance quotes for Dobermans with a $500 deductible, 90% reimbursement, and a $5,000 payout, I discovered that Lemonade consistently emerged as one of the most budget-friendly choices. Its rates for lower coverage are extremely competitive but are average to above average for higher coverage.
| Pros | Cons |
|---|---|
| Budget-friendly premiums for Dobermans with lower to mid-level coverage | Only available in 38 states and Washington, D.C. |
| Save 5% when you insure more than one pet | Coverage of vet visit fees, dental illness, complementary care, etc., requires additional expenses |
| Typically takes just 2 days to process claims | Waiting period for CCL coverage is 6 months |
| Covers curable pre-existing conditions after a year has gone by without any symptoms | |
| Offers wellness plan add-ons | |
| Shorter than average hip dysplasia waiting period of 30 days |
In-Depth Review Of Lemonade
If you’re interested in discovering more about this company’s coverage, add-ons, customizations, speedy reimbursement processes, and additional features, check out my detailed review of Lemonade.
Best For Vet Direct Pay: Trupanion
- Policy Options: Accident & Illness
- Per-Incident Deductible Options: $0 – $1,000 (in $5 increments)
- Annual Payout Options: Unlimited
- Reimbursement Options: 50%, 60%, 70%, 80%, 90%, 100%
Why I Picked Trupanion
Trupanion’s Vet Direct Pay software sets it apart from other pet insurance providers. Instead of waiting for reimbursement from your insurer, Trupanion can completely eliminate the process and pay its portion of the vet bill at the time of checkout. Particularly benefiting from this software are breeds such as Dobermans, who are prone to expensive health issues, such as CCL ruptures, hip dysplasia, eye disorders, bloat, and heart disease, among others.
Expert Price Analysis
While analyzing quotes for Doberman insurance, I noticed that Trupanion’s premiums were extremely high, frequently costing three times more than other companies’ premiums for similar coverage of the same dog.
| Pros | Cons |
|---|---|
| All policies come with unlimited annual/lifetime payouts | By far, the highest premiums for Dobermans |
| Makes direct payments to participating veterinarians | No ability to add coverage for veterinary exam fees |
| Doesn’t deny coverage for pre-existing bilateral conditions | Illness waiting period (30 days) is longer than most |
| Covers curable pre-existing conditions after a year has gone by without any symptoms | |
| 100% reimbursement and $0 deductible options in some states | |
| Typically takes just 2 days to process claims | |
| Shorter than average hip dysplasia and CCL waiting periods at 30 days |
In-Depth Review Of Trupanion
My comprehensive review of Trupanion provides a clearer insight into this insurer’s inclusive coverage, customization options, pricing, vet direct pay, and additional details.
What Type Of Pet Insurance Plan Is Best For Dobermans?
There are primarily two kinds of pet insurance policies you can choose from: one that provides coverage solely for accidents and another that covers both accidents and illnesses. Additionally, some insurance providers offer optional wellness plans to help you save on preventive care and keep your Dobie in top shape. Wellness plans aren’t insurance, but many providers offer them during enrollment.
| Accident-Only | Accident & Illness | Wellness | |
|---|---|---|---|
| Injuries (gastric torsion, intestinal blockage from ingesting a foreign object, sprains, broken bones, wounds, etc.) |  | | |
| Diseases (skin infections, eye disorders, hip dysplasia, hypothyroidism, cancer, heart disease, Wobbler syndrome, etc.) | | ||
| Preventative (annual wellness exams, vaccines, professional dental cleaning, parasite prevention, etc.) | |
What Are Accident-Only Pet Insurance Plans?
Accident-only pet insurance plans are specifically designed to assist with emergency medical treatment expenses for injuries such as accidental intestinal blockages or poisoning, gastric torsion, eye injuries, broken bones, and wounds. These plans provide a cost-effective solution.
They are particularly suitable for those on a tight budget or owners whose dogs have many pre-existing health conditions that would not be covered by an accident and illness policy. However, it’s important to remember that accident-only policies do not cover illnesses, diseases, or genetic conditions. Furthermore, only a few providers offer these types of policies.
Pricing Tip – The premiums for accident-only pet insurance policies are usually less than those for accident and illness plans.
What Are Accident & Illness Pet Insurance Plans?
Accident and illness plans provide comprehensive protection for unexpected injuries and a wide range of health issues your Dobie could encounter. These include liver and heart disease, hypothyroidism, blood disorders, skin infections, cancer, Wobbler Syndrome, and other common ailments found in Dobermans. This coverage allows you to be financially prepared for almost any health challenge.
What Are Wellness Plans?
Including a wellness plan in your pet insurance is an excellent way to prioritize your pet’s health. These plans cover expenses for routine preventive care such as check-ups, immunizations, dental cleanings, parasite prevention, and more. Investing in a wellness plan ensures you do all you can to keep your furry friend as healthy as possible.
Wellness plans are distinct from pet insurance as they do not cover costs associated with accidents, illnesses, or hereditary conditions.
What Does Pet Insurance Cover & Exclude?
Different providers’ accident and illness insurance plans typically cover the conditions below when medically necessary. However, it is important to carefully review your policy as specific restrictions may apply depending on the insurer.
| Covered | Excluded |
|---|---|
| Blood tests | Boarding |
| Cancer (chemo & radiation) | Cremation & burial costs |
| CT scans | Elective procedures (e.g., declawing, ear cropping, spaying/neutering, tail docking, etc.) |
| Chronic conditions | Food & supplements |
| Congenital conditions | Grooming |
| Emergency care | Pre-existing conditions* |
| Euthanasia | Pregnancy & breeding |
| Hereditary conditions | Vaccines |
| MRIs | |
| Non-routine dental treatment | |
| Prescription medications | |
| Rehabilitation | |
| Specialized exams & care | |
| Surgery & hospitalization | |
| Ultrasounds | |
| X-rays |
Learn More About Pet Insurance Coverage
I suggest reading my comprehensive guide on pet insurance coverage to better understand the nuances of coverage and exclusions.
What Determines The Cost Of Pet Insurance For Dobermans?
Pet insurance premium pricing can vary depending on where you live, your pet’s age, each company’s underwriting requirements, and more. Here is a summary of some of these contributing factors.
- The age of your dog has a significant impact on the cost of pet insurance. Older dogs tend to have more health problems, making insurance often more expensive than for younger dogs.
- The cost of living in your area is a key determinant of pet insurance premiums. Both you and your veterinarian are influenced by the local cost of living. Therefore, if you reside in an expensive area, you should anticipate higher costs for both pet insurance and veterinary care.
- The breed of your dog is another major factor in insurance costs. Certain breeds are more susceptible to inherited health concerns, and purebred dogs generally have more health problems than mixed breeds.
- The gender of your dog may also affect the cost of premiums. Male dogs can be more expensive to insure than females due to their larger size. However, it’s important to note that not all insurance companies increase premiums based on the dog’s gender.
While you may have little control over every factor that affects your policy’s cost, many insurance providers are committed to offering customization options. These options allow you to tailor your coverage to your specific needs and your pet’s unique requirements.
Customization Options Affect Cost & Benefits
Pet insurance providers often allow you to tailor your plan to fit your unique requirements. With these customizable options, you can select your deductible, reimbursement percentage, and maximum payout, enabling you to create a plan that works best for you. It’s important to carefully consider these options and their implications on your pricing and benefits to ensure you select the right coverage for your needs.
What Is The Maximum Payout?
Pet insurance has two main categories of payouts: annual and lifetime. An annual payout refers to the highest sum the insurance provider will reimburse you in a single year of your policy, and this is the type most frequently offered by insurers. In contrast, a lifetime payout indicates the total amount the insurance will cover for your pet over their entire life, provided they stay insured. The most common annual payout choices include $5,000, $10,000, and unlimited.
Pricing Tip – Choosing a higher payout will increase your monthly premium. However, if your dog requires costly medical care during the policy year, you may not run out of coverage.
Is The Deductible Annual Or Per-Incident?
Before the insurance company reimburses your vet expenses, you must pay a set amount out of pocket, called the deductible. Deductibles range from $0 to $1,000; the most common options are $100, $250, and $500. In pet insurance, you will encounter two main types of deductibles: annual and per-incident. It’s essential to understand the differences between them.
- Annual deductible: An annual deductible is a fixed amount that you must pay yearly for your dog’s treatment before coverage kicks in. This amount stays constant, no matter how many health problems your dog may encounter or what treatments are needed. It helps in effectively managing your pet’s medical expenses. Nearly all providers include annual deductibles in their plans.
- Per-incident deductible: A per-incident (also called per-condition) deductible is the amount you must pay whenever your pet requires vet care for a new health problem. If your dog faces several new issues within a year, this can add up quickly. The advantage of this type of deductible is that you only have to pay it once for each specific health condition throughout your pet’s life. This can be particularly beneficial for ongoing conditions like Addison’s disease, epilepsy, and hypothyroidism. Trupanion has per-incident deductibles in all of its plans.
Pricing Tip – A higher deductible decreases your monthly premium; however, that means you’ll have to pay more out of pocket if your pup needs treatment..
What’s The Reimbursement Percentage?
The reimbursement percentage indicates how much of your veterinary costs the insurance company will pay once you’ve met your deductible. Typical reimbursement rates are 70%, 80%, and 90%. For example, if you opt for a 90% reimbursement rate, you’ll need to pay your chosen deductible upfront. After that, the insurance provider will pay 90% of the overall veterinary bill, leaving you to cover the remaining 10%.
Pricing Tip – Choosing a lower reimbursement rate reduces your monthly premium, but you’ll face higher out-of-pocket expenses at the time of treatment.
Learn More About Pet Insurance Costs
If you’re looking for more information, check out my in-depth guide on pet insurance costs. It features specific examples that show how various customization options can affect your benefits and total premium amount.
How Much Is Pet Insurance For Dobermans?
To get an accurate estimate for your dog’s insurance cost, please use the form below to provide us with your zip code and your Doberman’s details. We will then provide you with personalized pet insurance quotes from several top companies. While the sample quotes I provide below can be helpful, the premium pricing for your dog may vary based on their unique characteristics.
According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. is $56.30 ($31.94 for cats).
Considering different ages and locations, I have generated several quotes to give you a ballpark idea of the costs for Doberman Pinscher pet insurance. These quotes are based on similar choices for deductibles, reimbursement rates, and payout amounts.
| Company | 6mo old male 95818 (Sacramento, CA) | 1yr old female 14211 (Buffalo, NY) | 2yr old male 33604 (Tampa, FL) | 5yr old female 78731 (Austin, TX) | 8yr old male 07305 (Jersey City, NJ) |
|---|---|---|---|---|---|
| $73.05 | $47.21 | $52.06 | $89.56 | $250.14 |
| $96.84 | $69.55 | $85.01 | $155.70 | $237.68* |
| $114.20**§ | $79.31**§ | $60.44§ | $158.64**§ | $218.03†§ |
| $98.25 | $92.78 | $74.12 | $123.06 | $294.95 |
| $60.25 | $71.37 | $52.64 | $97.18 | $146.43 |
| $54.20 | $49.98 | $37.03 | $49.64 | $128.01 |
| $152.40§ | $165.32§ | $575.67‡§ | $349.08§ | $671.77§ |
*80% reimbursement; **70% reimbursement; †50% reimbursement and $1,000 deductible (no other options); ‡$0 deductible; §Unlimited annual payouts
Doberman Insurance Cost: Lowest & Highest Amounts
I also obtained the minimum and maximum monthly premiums for Doberman pet insurance from the same providers. These quotes take into account payout limits, reimbursement rates, deductibles, and optional add-ons (except wellness plans). I included quote ranges for two different ages in each location to show how costs change with enrollment age.
| Company | 2mo old 95818 (Sacramento, CA) | 5yr old 95818 (Sacramento, CA) | 2mo old 14211 (Buffalo, NY) | 5yr old 14211 (Buffalo, NY) | 2mo old 33604 (Tampa, FL) | 5yr old 33604 (Tampa, FL) | 2mo old 78731 (Austin, TX) | 5yr old 78731 (Austin, TX) | 2mo old 07305 (Jersey City, NJ) | 5yr old 07305 (Jersey City, NJ) |
|---|---|---|---|---|---|---|---|---|---|---|
| $33-$203 | $44-$274 | $21-$135 | $29-$181 | $27-$172 | $33-$212 | $32-$184 | $40-$227 | $44-$256 | $56-$316 |
| $63-$164 | $131-$347 | $48-$107 | $89-$203 | $55-$126 | $101-$235 | $58-$131 | $105-$243 | $56-$110 | $101-$203 |
| $76-$114 | $110-$167 | $67-$81 | Uninsurable | $36-$90 | $59-$159 | $92-$110 | $134-$161 | $90-$107 | $130-$156 |
| $43-$255 | $56-$332 | $38-$290 | $50-$377 | $30-$230 | $44-$334 | $34-$255 | $49-$370 | $54-$353 | $71-$458 |
| $23-$234 | Uninsurable | $25-$218 | $26-$223 | $21-$136 | $27-$177 | $30-$197 | $39-$258 | $31-$205 | $41-$268 |
| $29-$200 | $40-$262 | $33-$176 | $43-$202 | $24-$167 | $32-$225 | $77-$298 | $34-$157 | $40-$197 | $46-$228 |
| $89-$388 | $186-$840 | $87-$378 | $152-$679 | $238-$441 | $509-$943 | $101-$444 | $205-$927 | $124-$550 | $258-$1,174 |
What Are Waiting Periods For Doberman Pet Insurance?
Waiting periods, the time between signing up for a pet insurance policy and when the coverage begins, are determined by insurance providers in most states.* Typically, waiting periods range from 0 to 15 days for accidents and are around 14 days for illnesses. It’s worth noting that some companies impose longer waiting periods for certain orthopedic and spinal issues that may affect Dobermans, such as CCL ruptures, hip dysplasia, and Wobbler Syndrome (IVDD).
*States are slowly adopting a Model Law for pet insurance. This Model Law attempts to standardize each state’s regulations, which includes a standard for waiting periods that all companies must follow. Waiting periods for California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, Washington, Rhode Island, and Maryland are as follows:
- Accidents – 0 days
- Illnesses – 14 days
- Cruciate Ligament Conditions – 30 days
- Routine Care – 0 days
Learn More About Waiting Periods
To gain a better understanding of waiting periods and the reasons behind their implementation by providers, be sure to read my comprehensive article on pet insurance waiting periods.
How Does Pet Insurance For Dobermans Work?
Once the waiting periods specified in your policy are over, using pet insurance is quite simple.
- After your dog receives treatment, you will need to pay your vet bill.
- To initiate the claims process, you must complete a claim form and submit it to your insurance provider along with an itemized receipt. Depending on the insurer, you may also need your vet’s signature on the claim form.
- Once the insurance company approves your claim, you’ll get reimbursed* using your chosen payment method (check, direct deposit, etc.).
*It’s important to note that the time it takes to receive reimbursement can vary significantly. The duration depends on the complexity of your claim and the company’s standard processing timeframe. Reimbursement can range from just a few minutes to several weeks.
12 Common Health Issues In Dobermans
Doberman Pinschers have an average lifespan of 10 to 12 years, and many are generally healthy for most of their lives. However, as with all purebred dogs, they may be susceptible to specific genetic health problems. It’s essential to be aware of the common health issues associated with this breed and the potential costs involved in their care.
- Due to their high energy levels and genetics, Dobermans are prone to cranial cruciate ligament (CCL) injuries in their knees. Orthopedic surgery is the most effective treatment for this condition. Depending on the injury’s severity, the cost can vary from $1,600 to over $6,000.
- Dobies and other deep-chested breeds are susceptible to gastric dilatation-volvulus (GDV), sometimes called gastric torsion or canine bloat. This life-threatening problem can arise from a dog’s stomach twisting and expanding due to overeating or eating too quickly. Emergency treatment can cost up to $3,000.
- Femur malalignment in the hip socket is called hip dysplasia, a progressive condition that results in discomfort, decreased mobility, and a decline in a dog’s quality of life. The cost of surgery, which can range from $1,700 to over $4,500 per hip, is often required to address these issues.
- Dobermans require a great deal of mental and physical exercise. If they don’t get what they need, they might exhibit unwanted behaviors, like obsessively eating non-food items. Often, this results in a severe intestinal blockage that requires emergency treatment. The cost of the diagnosis and treatment can range from $800 to $7,000, depending on the extent of the damage.
- This breed is susceptible to cataracts, cherry eye, and progressive retinal atrophy (PRA), among other hereditary eye conditions. The diagnostic and treatment costs associated with these conditions can be very high. For example, cataract surgery can cost between $2,600 and $3,800. Treatment for cherry eye, an eyelid condition, can run up to $1,500 per eye. Unfortunately, there is no known cure for PRA.
- Dobies have a genetic tendency to develop various skin problems, including canine atopic dermatitis, lick granuloma, pemphigus, demodectic mange, hot spots, bacterial skin infections, and others. The expenses associated with managing chronic skin problems can reach hundreds of dollars each year.
- Dobermans are at a high risk of developing hypothyroidism, which occurs when the body doesn’t produce sufficient thyroid hormones. To manage this condition, lifelong medication and regular veterinary check-ups are usually required. Monthly medication costs $20 to $50, and annual retesting costs $50 to $100.
- A genetic blood disorder called von Willebrand disease is frequently found in Dobies. This condition, caused by insufficient levels of von Willebrand factor (vWF) responsible for blood clotting, can lead to excessive bleeding. Treatment options may involve blood transfusions, the use of a synthetic hormone to temporarily increase vWF levels, or surgical procedures (costing between $800 and $1,500).
- Dobermans face a significant risk of developing dilated cardiomyopathy (DCM), which is the leading cause of death in this breed. DCM happens when the heart struggles to pump blood effectively because the heart muscles are weakened. In severe instances, surgery may be required to avert heart failure, and the costs for such procedures usually range from $10,000 to $20,000.
- Chronic active hepatitis (CAH), also known as chronic inflammatory hepatic disease, is a long-term liver disease that involves inflammation and cell death. The cost to diagnose and treat CAH can run from $500 to $5,000.
- Dobies are one of several large breeds that are predisposed to osteosarcoma, a bone cancer that advances quickly. Diagnosing and treating this condition can cost more than $10,000. Dobermans are also susceptible to melanoma, prostate and mammary cancer, and lymphoma.
- Type II Wobbler syndrome is a neurological condition related to intervertebral disc disease (IVDD) that impacts the cervical spine in the neck area. This condition can lead to a wobbly gait and, in some cases, may result in paralysis. Typically, surgery and subsequent physical therapy are advised, with costs averaging around $4,000 or higher.
Is Pet Insurance Worth It For Dobermans?
Consider the statistics. The Orthopedic Foundation of America (OFA) 2023 testing statistics show that over 8% of Doberman Pinschers tested positive for dilated cardiomyopathy (DCM), over 7% for von Willebrand Disease (vWD), nearly 7% for hip dysplasia, and close to 30% for at least one eye abnormality. Dobies were also found to have the highest incidence of hypothyroidism in a study by the Royal Veterinary College in the U.K.
Another measure of this breed’s health risks comes from Embark, a DNA testing service with a repository of research from breeders who opt in for research purposes. According to Embark’s statistics, nearly 36% tested at risk for DCM, and 7.7% tested at risk for vWD. Close to 36% tested as carriers for vWD.
Lack of pet insurance may result in major veterinary bills for Doberman Pinschers due to their risk for various costly health issues. Pet insurance guarantees that your furry friend will receive excellent medical care without worrying about significant expenses. Getting insurance for your dog is critical before any medical emergencies or genetic problems occur. Keep in mind that pet insurance does not cover most pre-existing conditions.
Determine If Your Doberman Needs Insurance
If you’re still unsure whether you should insure your Doberman, please read my in-depth guide on the topic. It can help you make a pros-and-cons analysis.
5 Steps To Find The Best Pet Insurance For Dobermans
Consider these important factors when choosing the ideal insurance plan for your Dobie.
- Look into the reputation of different insurance companies. Well-established pet insurance providers tend to be more dependable than newer ones.
- Consider the various health issues that Doberman Pinschers are prone to and carefully examine how each policy addresses these concerns.
- Decide if you prefer accident-only coverage or a comprehensive plan covering accidents and illnesses.
- Know the average claim processing times and how each provider handles reimbursements.
- Collect quotes from at least three different insurance companies to compare costs effectively.
Methodology
To determine the best pet insurance for Doberman Pinschers, we analyzed more than 40 U.S. pet insurance companies to provide an unbiased breakdown of how providers compare against one another. Our in-depth research includes:
- Running thousands of price quotes
- Reading hundreds of customer reviews
- Scrutinizing every policy from top to bottom and reading all the fine print
- Scoping out the purchase process
- Speaking with customer service representatives
- Having firsthand experience submitting claims with companies
- Comparing plan customization details
- Examining how long it takes to receive reimbursement
- Factoring in company history and years in the pet insurance marketplace
- Meeting with company representatives to discuss changes related to the industry, their company, and their offerings
- Requiring national experience for companies
Unlike many other review sites, we refuse to let pet insurance companies pay for the top spot in our rankings. Companies must earn their position in our comparisons by performing well in the marketplace. We also point out each company’s pros and cons in light of their competitor’s strengths. In doing so for over a decade, we’ve helped pet parents make more educated decisions among the top pet insurance options. Pet insurance providers read our reviews, regularly check them for accuracy, and value our input to help create positive industry changes and better protect your pets. We only recommend the best of the best because it’s what our readers deserve.
Additional Pet Insurance Resources
- Best Pet Insurance
- Is Pet Insurance Worth It?
- What Does Pet Insurance Cover?
- How Much Does Pet Insurance Cost?
- Best Pet Insurance For Pre-Existing Conditions
Why Trust Canine Journal?
Canine Journal has been covering the topic of pet insurance since 2012, well before other conglomerates discovered the rising popularity of health care for our pets. Many of our authors have personal experience with pet insurance, including Kimberly Alt, who has been Canine Journal’s go-to writer for pet insurance for over a decade, having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head, she can find it within minutes due to her vast list of resources. Kimberly also has extensive knowledge of dog health conditions, which can help her recommend pet insurance providers to pet owners with specific breeds.
Kimberly collaborated with Sally Jones, a seasoned health sciences communications professional with decades of experience. Sally specializes in dog health and is adept at producing content on technical topics such as pet insurance. Her wealth of knowledge and insight played a crucial role in this article’s thorough research and composition.
Kimberly also consulted with Michelle Schenker, Canine Journal’s in-house licensed insurance agent, for additional expertise to ensure accuracy and give Canine Journal the authority to write about and assist readers in purchasing policies that are accurately represented.
