Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Nov 17, 2020

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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.

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.

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!

Get Healthy Paw Quotes Now!

healthy paws doberman pinscher dog insurance

Healthy Paws Covers

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

Get Embrace Quotes Now!

embrace pet insurance for doberman pinschers

Embrace Covers

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
● X-Ray
● RX: Metacam, pain reliever
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
● X-ray, 1st Plate
● Complete Blood Count (Lab work)
● Blood Chemistry Tests (Lab work)
● Myelogram
● X-ray, Additional Plates
● 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
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
● RX: Dasiquin
● RX: Clavamox, antibiotic
● RX: Tramadol, pain reliever
● RX: Pepcid AC
● RX: Phenoxybenzamine
● RX: Metacam, pain reliever
● Emergency Fee
● Consultation Exam
● Physical Therapy Consult
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.


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


PetFirst saved his parents


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




Progressive retinal atrophy (PRA)

Additionally, rare colored Dobermans are susceptible to hair loss, particularly those with a blue

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 

What Is Pet Insurance?

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

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds


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:


Akita Pet Insurance

Beagle Pet Insurance

Bernese Mountain Dog Pet Insurance

Bichon Frise

Bloodhound Pet Insurance

Border Collie Pet Insurance

Boston Terrier Pet Insurance

Boxer Dog Breed Information

Cavalier King Charles Spaniel Pet Insurance

Chihuahua Pet Insurance

Chinese Crested

Chow Chow Pet Insurance

Cocker Spaniel Breed Information

Dachshund Pet Insurance

Doberman Pet Insurance

English Setter Pet Insurance

Fox Terrier

French Bulldog Breed Information

German Shepherd Breed Information

German Shorthaired Pointer Pet Insurance

Golden Retriever Breed Information

Great Dane Pet Insurance

Havanese Dogs | Average Cost and Care

Irish Water Spaniel

Italian Greyhound

Jack Russell Terrier Pet Insurance

Kerry Blue Terrier


Labradoodle Breed Info

Labrador Retriever Breed Information

Maltese Pet Insurance

Miniature Schnauzer Pet Insurance

Newfoundland Pet Insurance

Pit Bull Pet Insurance

Pomeranian Pet Insurance

Poodle Dog Breed Information

Portuguese Water Dog

Pug Pet Insurance

Rhodesian Ridgeback Pet Insurance

Shar-Pei Pet Insurance

Shetland Sheepdog Pet Insurance

Shih Tzu Pet Insurance

Siberian Husky Pet Insurance

Soft Coated Wheaten Terrier

St. Bernard Pet Insurance

Staffordshire Bull Terrier Pet Insurance

Vizsla Pet Insurance

Weimaraner Pet Insurance