Best Miniature Schnauzer Pet Insurance of 2022

Lisa Scott

If you have a Miniature Schnauze, chances are they’ve already become a loved member of your family. Keep them healthy and safe by considering quality pet insurance for expensive veterinarian bills. To help you with this process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement Rates

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is pet insurance worth it for a Miniature Schnauzer?  

At times, your Miniature Schnauzer can require routine vet visits and medical treatment for accidents and illnesses. Medical treatment for your Miniature Schnauzer can become very expensive, especially if they encounter a more serious issue that requires invasive treatment. Medical bills for treating a sick Miniature Schnauzer can quickly add up, costing up to a few thousand dollars. In these situations, you don’t want to be in the middle of a crisis and have to choose between your beloved dog and the affordability of their medical treatment.

To prepare for these unexpected circumstances, consider investing in pet insurance. It can help you afford your dog’s medical treatments and procedures, while you focus on your pet’s recovery. 

Pet insurance can also provide peace of mind that your dog can be covered for the necessary treatments when it has an accident, injury, or illness. This includes (but is not limited to) broken bones, cancer treatment, harm caused by another animal, and prescriptions for chronic conditions. Therefore, pet insurance can be important and beneficial for your pet.

Common health conditions for a Miniature Schnauzer

The Miniature Schnauzer is a popular family companion with an average life span of 12 – 14 years. However, like all dog breeds, there are certain medical conditions that your pet could develop. Here are some common health conditions your dog can experience:

  • Cataracts: Cataracts can lead to poor and blurry vision. Common in old age, surgery can help improve vision for your dog. 
  • Entropion: This is where the upper or lower eyelids roll inwards, irritating the eye. If your dog has this condition, your vet can help fix this issue with surgery. 
  • Congenital megaesophagus: A condition that can cause dogs to regurgitate food. Diet can be adjusted. However, treatment is likely to be needed from a vet to help your dog recover. 
  • Von willebrand’s disease: A blood disorder that can cause bleeding gums and nosebleeds. The disease can be managed with treatments and medication. 

What does pet insurance cover for a Miniature Schnauzer?  

Pet insurance covers a range of diagnostics, treatments, and procedures for your Miniature Schnauzer. Depending on the pet insurance plan you get, you may be covered for injury-only, illness-only, or a combination of the two. Based on your plan, you are eligible for the following coverage:

  • Testing and diagnostics: Tests are useful for the vet to examine the medical condition of your pet, and determine the best course of treatment. Expenses for x-rays, ultrasounds, MRI scans, blood tests, CT scans, and urinalysis can be reimbursed.
  • Holistic and alternative procedures: Coverage for alternative therapy can differ between insurers. But typically, these can include physical therapy, acupuncture, hydrotherapy, chiropractic, homeopathy, and naturopathy. 
  • Accidents and illness: If you have an accident and illness policy, pet insurance can help cover the costs of treatment-related to sickness and injuries. 
  • Surgery and hospitalization: If your Miniature Schnauzer needs to stay overnight at the hospital or require surgery, your policy can help to cover these costs. 
  • Vet labor and examinations: Pet insurance will help reimburse the cost of vet labor and examinations.

Pet insurance covers a range of treatments, but it does not cover preventative or wellness care. Regular check-ups with the veterinarian will not be covered under most pet insurance plans. For this type of coverage, you will need to take advantage of a separate wellness plan or see if the provider has any add-ons for wellness visits. Most providers usually do have it as an add-on.

Moreover, most insurance providers will not cover pre-existing conditions that were established before you registered your pet for coverage. Be sure to review everything your potential pet insurance plan covers and what types of pre-existing conditions they exclude to ensure your pet will be eligible for coverage.

How are pet insurance premiums determined for a Miniature Schnauzer?  

There are many factors that will determine the monthly premium rate for your Miniature Schnauzer (included but not limited to):

  • Gender, and size: The Miniature Schnauzer is susceptible to genetic health conditions during its life, which can have an impact on your policy premium. In addition, the gender and size of your dog can increase or decrease the policy premium. 
  • Age: With age, dogs become prone to developing health conditions and may require longer recovery times. Older dogs are likely to be more costly to insure. 
  • Location: If you live in an area with a high cost of veterinary services, this will increase the premium you must pay for pet insurance. 
  • Deductibles: As with many insurance policies, deductibles can be adjusted to help lower the premium. Higher deductibles can lower your insurance premium. However, it requires a larger out-of-pocket expense until your policy can kick in. 
  • Policy payment: Many pet insurers will give you a discount if you choose to pay upfront with an annual payment, instead of a monthly payment. 

In addition, you can choose to supplement your policy with add-ons such as dental coverage, behavioral therapy, and routine check-ups. Add-ons will increase your pet insurance premium but will help you save on additional expenses that are likely to occur. 

How to choose the best pet insurance plan for a Miniature Schnauzer

There are many pet insurance options available for a Miniature Schnauzer, so how do you choose the best one? Here are some key factors to keep in mind as you are deciding on the right plan:

  • Waiting period: Almost all policies have waiting periods and this can differ depending on the type of coverage. For instance, accidents may have a waiting period of 3-days, and knee injuries can have a waiting period of 6-months. If you make a claim during this period, it’s unlikely to be covered by your insurance policy. 
  • Policy exclusions: Many policies will be subject to exclusions. Some of these can include cosmetic treatment, pre-existing medical conditions, teeth cleaning, microchipping, pregnancy or birth, preventable diseases, and death. It’s best to avoid any surprises and be aware of exclusions from the start by reading the terms and conditions in detail. 
  • Household finances and budget: To help make pet insurance more affordable you can adjust coverage limits and deductibles to help you balance premiums with your household budget.