Doberman Pet Insurance
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Dr. Pippa Elliott BVMS, MRCVS
Veterinarian
Dr Pippa Elliott BVMS, MRCVS is a veterinarian with over 30 years of experience in companion animal practice. In 1987 she graduated from the University of Glasgow, with a degree in veterinary medicine and surgery. She works at Blythwood Vets and the People’s Dispensary for Sick Animals (PDSA). Pippa is an advocate of Fear-Free Practice, an animal addict, and a veterinary writer. She is also w...
Veterinarian
UPDATED: Dec 18, 2023
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.
UPDATED: Dec 18, 2023
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
On This Page
Doberman Pinschers are active, athletic dogs but they’re genetically predisposed to some serious health conditions. Doberman pet insurance can be a lifesaver, literally.
Pet insurance pays up to 90% of your vet bill if your Dobie gets sick or injured.
Table of Contents:
Our veterinarians researched the best pet insurance plans for Dobies, here’s what they found:
Winner: Healthy Paws Pet Insurance
- $57.18/month for 80% reimbursement and $500 annual deductible (example for a neutered, male Doberman puppy in Austin, TX)
- NO ANNUAL MAXIMUM PAYOUT – No limits on claims!
Healthy Paws Covers
- Doberman hereditary and congenital disorders
- Cancer, such as osteosarcoma, which is common in Dobermans
- Hip dysplasia if the dog is enrolled before age six
- Accidents and illnesses, such as bloat
- Prescription medications
Healthy Paws Doesn’t Cover
- Pre-existing conditions
- Preventative or routine care
- Spay/neuter procedures
- Office visit or vet exam fees
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Runner Up: Embrace Pet Insurance
- Embrace offers excellent coverage for $49.47/month. This plan includes an 80% reimbursement and $500 annual deductible (example for a neutered, male Doberman puppy in Denver, CO)
- Annual maximum claim payout: $10,000
Embrace Covers
- Doberman genetic disorders
- Cancers, including tumors and lymphomas
- Canine hip dysplasia
- Illnesses and accidents, including Dilated cardiomyopathy
- Optional prescription medicine coverage
- Optional wellness coverage for routine care: add $18/month
Embrace Doesn’t Cover
- Pre-existing conditions
- Breeding, whelping, or pregnancy
- Cosmetic procedures
- Cremation or burial
Is Doberman Pet Insurance Worth the Cost?
Doberman Pinschers are at high risk for serious health problems that are very expensive to treat. For example, a single emergency episode of Von Willebrand’s Disease can cost $1,000.
Even with perfectly healthy bloodlines and breeder guarantees, your pet can ingest a piece of a chewed toy or have an injury that requires emergency medical attention. Doberman pet insurance covers
accidents and illnesses, so in any event, you and your pet are covered.
Additionally, some pet health insurance plans offer optional preventative and wellness care. Even if your pet never has a disease or requires emergency care, you can keep your Dobie in perfect health at a reduced cost.
It is important to note that pet insurances do have exclusions for pre-existing conditions. Therefore, it is crucial to insure your pet as a puppy BEFORE they are diagnosed with an illness
or require a visit to the emergency room.
Comparing Dog Insurance for Your Doberman Pinscher
There are several different Doberman pet insurance companies that offer a variety of coverage options. Dog owners prefer an insurance policy that is well matched to their budget and their dog’s health care needs.
We recommend doing your research on different dog insurance policies before purchasing a policy for your Dobie. There are four major types of coverage:
1. Time-limited pet insurance
- a. $10-30/month
- b. Basic policy for paying vet bills for short-term illnesses
- c. For a limited period during a year
2. Accident only pet insurance
- a. As low as $10/month
- b. Covers dog accidents and injuries only (such as ingesting a piece of a toy or a
shoe, or falling from a bed)
3. Per-condition pet insurance
- a. Helps you to claim coverage for a single medical condition only. The higher the
claim, the higher is the monthly payment - b. Not time-limited
4. Lifetime pet insurance
- a. $20-122/monthly
- b. Provides comprehensive coverage
- c. Currently, Healthy Paws is the only pet insurance provider to provide a policy with
truly unlimited benefits. Some companies like Embrace offer personalized plans
and even make offers for pet groups. They fix final rates depending upon
your dog’s locality and age.
Need Pet Insurance?
FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!
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Sample Pet Insurance Reimbursement: Healthy Paws
Claim Example: You notice some weakness in your dog’s’ back legs
It started as a stumble, but you are noticing a recurring trend of you dot losing strength in his legs. He either has a funny walk or can even fall to one side while standing.
Upon taking him to the Vet, you get referred to a specialist for suspected IBDD and back pain.
Your bill for this veterinarian visit would normally include:
| Total Veterinary Bill: | $196.60 | |
| Reimbursement Summary: | ||
| Treatments | Services Covered | Not Covered |
| DIAGNOSTIC TESTING ● X-Ray |
$99.00 | |
| PRESCRIPTION MEDICATIONS ● RX: Metacam, pain reliever |
$46.60 | |
| Office Visit (Veterinary Exam) | $51.00 | |
| Total Covered | $145.60 | |
| Multiply by Reimbursement Level: 90% | $131.04 | |
| Minus Remaining Annual Deductible: $0 | $0.00 | |
| Your Reimbursement: | $131.04 | |
| Your regular veterinarian refers your dog to be seen by a specialist:
Specialist Diagnosis: Intervertebral Disk / Laminectomy. Your bill for this veterinarian visit would normally include: |
||
| Total Veterinary Bill: | $4,455.93 | |
| Reimbursement Summary: | ||
| Treatments | Covered | Not Covered |
| DIAGNOSTICS ● X-ray, 1st Plate ● Complete Blood Count (Lab work) ● Blood Chemistry Tests (Lab work) ● Myelogram ● X-ray, Additional Plates |
$921.40 | |
| HOSPITALIZATION ● Hospitalization Level II, x 2 ● Physical Therapy Nurse, x 7 ● Physical Therapy Level II ● Hospital Care Additional, x10 ● Hospitalization Level I ● Physical Therapy Level I |
$1,050.49 | |
| SURGERIES | $1,866.54 | |
| ● IV Catheter Placement ● IV Catheter & Fluid Therapy ● Acepromazine Injection ● Diazepam/Valium Injection ● Hydromorphone Injection ● Propofol Anesthesia ● Isovue ● Inhalation Anesthesia ● Neurosurgery Procedure ● Blood Pressure Monitor, x 5 ● IV Fluid Catheter Monitor ● Fentanyl Injection ● Ranitidine Injection ● Surgical Supplies ● O.R. Room / Equipment Use Fee ● Biohazards Fee |
||
| PRESCRIPTION MEDICATIONS ● RX: Dasiquin ● RX: Clavamox, antibiotic ● RX: Tramadol, pain reliever ● RX: Pepcid AC ● RX: Phenoxybenzamine ● RX: Metacam, pain reliever |
$222.50 | |
| EXAM ● Emergency Fee ● Consultation Exam ● Physical Therapy Consult |
$395.00 | |
| Total Covered | $4,060.93 | |
| Multiply by Reimbursement Level: 90% | $3,654.84 | |
| Minus Remaining Annual Deductible: | $0.00 | |
| Your Reimbursement: | $3,654.84 |
What You Should Know About Your Doberman’s Health
Dobermans have an average lifespan of 10-12 years. While they are generally healthy animals, they are susceptible to some very serious health conditions that require medical care.
Serious health problems include:
Cervical Spondylomyelopathy (Wobbler Syndrome or Wobbler’s Disease)
Treatment cost: $2,500-$7,500
Wobbler Syndrome commonly affects large or giant breed dogs, and the Doberman Pinscher is particularly at risk to the disease.
Wobbler Syndrome causes compression of the cervical spine (neck) and can lead to neurological issues and neck pain. It is called Wobbler Syndrome because dogs affected by the condition walk with a wobbly gait.
Dilated Cardiomyopathy
Treatment cost: $1,000-$5,000
Since Dobies are a large breed dog, they are more likely to have heart problems.
Dilated Cardiomyopathy in dogs occurs when heart muscle stop functioning. Dobies account for nearly 40% of all cardiomyopathy cases in Europe.
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Less severe health problems include:
Canine hip dysplasia
Treatment cost: $4,000-$6,000.
Canine hip dysplasia is a hereditary condition. Dogs with hip dysplasia have a hip joint that grinds instead of gliding smoothly.
As you can imagine, this condition is painful and can leave dogs unable to enjoy exercise and play. Dobermans commonly suffer from hip dysplasia.
Osteosarcoma
Treatment cost: $500-$10,000
Osteosarcoma is a bone tumor commonly found in large breed dogs, like the Doberman. It is an extremely aggressive cancer that spreads rapidly to the rest of a dog’s body. It must be treated quickly for the dog to survive.
Real Cost Savings from PetFirst Clients
Luna
PetFirst saved his parents
$6,712
A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.
Von Willebrand’s Disease
Treatment cost: $300-$6,500
Von Willebrand’s disease prevents blood from clotting, similar to hemophilia in humans.
If an injury occurs, a dog with Von Willebrand’s must receive immediate medical attention. This means a trip to the emergency room. The Doberman breed is particularly susceptible to Von Willebrand’s disease.
Demodicosis (Demodex or mange)
Treatment cost: $300-$500
Demodicosis, also known as mange, is an inflammatory disease caused by mites. Demodicosis can lead to skin wounds, genetic disorders, hair loss, and long term immune system dysfunction.
Gastric torsion
Albinism
Narcolepsy
Hypothyroidism
Progressive retinal atrophy (PRA)
Additionally, rare colored Dobermans are susceptible to hair loss, particularly those with a blue
coat.
| Health Condition | Risk for Dobermans | Cost to Treat |
| Cardiomyopathy | High | $1,000-$3,000 |
| Wobbler’s Disease | High | $2,500-$7,500 |
| Hip Dysplasia | High | $4,000-$6,000 |
| Bloat | High | $500-$1,500 |
| Chronic Inflammatory Hepatic Disease |
High | $500-$5,000 |
| Lick Granuloma | High | $100-$1,000 |
| Pemphigus | High | $500-$3,000 |
Can You Afford to Care For Your Doberman without Pet Insurance?
Routine care for Dobermans is relatively inexpensive, but every purebred dog is particularly susceptible to health problems.
Regardless of what a breeder says, and despite having healthy parents, the Doberman, like most breeds, is prone to a few hereditary diseases.
Many pet parents invest in low-cost Doberman pet insurance to help cover veterinary costs.
In the unfortunate event of a long term illness or inherited health condition, dog insurance can save a pet parent thousands or even tens of thousands of dollars over the pet’s lifetime.
Additionally, pet insurance makes it so that you never have to consider euthanizing your sick (but treatable) pet because you can’t afford their medical care.
For other types of dogs, check out our full list of dog breeds.
Other articles you may find helpful:
Is Exotic Pet Insurance Necessary?
The Best Pet Insurance By State
Fun Facts, Dog FAQ, And Unsolicited Dog Advice
5 Training Commands to Save Your Dog’s Life
The Ultimate Guide to Safe Foods for Dogs
How do you choose a dog breed? There are so many awesome options! We have compiled a complete database about all the dog breeds, their mannerisms, care, and who they do best with. Statistically, some purebreds experience more health issues than mixed breeds. There are many pet insurance companies out there and we have put together a great article about the best puppy and dog pet insurance companies in the US.
You may be interested in one of these dog breeds:
Bernese Mountain Dog Pet Insurance
Cavalier King Charles Spaniel Pet Insurance
Cocker Spaniel Breed Information
French Bulldog Breed Information
German Shepherd Breed Information
German Shorthaired Pointer Pet Insurance
Golden Retriever Breed Information
Havanese Dogs | Average Cost and Care
Jack Russell Terrier Pet Insurance
Labrador Retriever Breed Information
Miniature Schnauzer Pet Insurance
Rhodesian Ridgeback Pet Insurance
Shetland Sheepdog Pet Insurance
Staffordshire Bull Terrier Pet Insurance
Frequently Asked Questions
Why is securing Doberman pet insurance important?
Dobermans are genetically predisposed to serious health conditions, and pet insurance can be a lifesaver by covering up to 90% of vet bills for illnesses or injuries.
What does pet insurance typically cover for Dobermans?
Pet insurance for Dobermans usually covers accidents and illnesses. Some plans may also offer optional preventative and wellness care to keep your pet in perfect health at a reduced cost.
Are there exclusions in pet insurance for Dobermans?
Yes, pet insurance often has exclusions for pre-existing conditions. It’s crucial to insure your Doberman as a puppy before they are diagnosed with an illness or require emergency care.
How can I choose the right dog insurance for my Doberman?
Research different dog insurance policies as there are four major types of coverage: time-limited, accident-only, per-condition, and lifetime pet insurance.
Can you provide a sample pet insurance reimbursement scenario?
For instance, if your Doberman develops weakness in its back legs and requires a specialist diagnosis like intervertebral disk/laminectomy, pet insurance can cover a significant portion of the vet bill.
What are some serious health problems Dobermans are prone to?
Dobermans are susceptible to conditions like Wobbler Syndrome, Dilated Cardiomyopathy, Canine Hip Dysplasia, Osteosarcoma, Von Willebrand’s Disease, and more.
Is Doberman pet insurance worth the cost?
Yes, considering the high risk of serious health problems and the potential costs of treatment, Doberman pet insurance can save you thousands or even tens of thousands of dollars over your pet’s lifetime.
How do I choose a dog insurance policy for my Doberman?
Dog owners should research and choose an insurance policy well-matched to their budget and their dog’s health care needs, considering the coverage options offered by different companies.
Can I afford to care for my Doberman without pet insurance?
While routine care is relatively inexpensive, every purebred dog is susceptible to health problems. Pet insurance can provide financial assistance and prevent tough decisions related to the cost of veterinary care.
How do I find the best pet insurance for my Doberman?
Compare quotes from top pet insurance companies and consider factors such as coverage, cost, and customer reviews to find the best pet insurance for your Doberman.
Enter your ZIP code below to view companies that have cheap pet insurance rates.
Secured with SHA-256 Encryption
Dr. Pippa Elliott BVMS, MRCVS
Veterinarian
Dr Pippa Elliott BVMS, MRCVS is a veterinarian with over 30 years of experience in companion animal practice. In 1987 she graduated from the University of Glasgow, with a degree in veterinary medicine and surgery. She works at Blythwood Vets and the People’s Dispensary for Sick Animals (PDSA). Pippa is an advocate of Fear-Free Practice, an animal addict, and a veterinary writer. She is also w...
Veterinarian
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.