Best Standard Schnauzer Pet Insurance of 2022

Lisa Scott

If you have a Standard Schnauzer, 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.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

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 Standard Schnauzer?

The Standard Schnauzer is a sturdy dog that doesn’t require special attention, but they still need to be cared for and insured against any potential accidents or illnesses. Most dogs have health problems at some point during their lives. These can be anything from skin infections to broken bones, but they are often accidents involving cars or falls from high places.

Medical treatment for your Standard Schnauzer can become very expensive, especially if they encounter a more serious issue that requires invasive treatment. Medical bills for treating a sick Standard 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 pet and the affordability of their medical treatment.

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

Typically, a Standard Schnauzer has a longer lifespan than the average dog. You can expect your pet to live somewhere between 13 – 16 years. However, like all dog breeds, there are certain medical conditions that your pet could develop. As a responsible owner, you will want to be aware of the most common health problems for a Standard Schnauze: 

  • Von Willebrand disease: This condition is a bleeding disorder. Symptoms include unexplained nosebleeds and bleeding gums. A blood test can determine whether or not your dog has the condition, but treatment is available if necessary.
  • Epilepsy: This is a neurological condition that can affect all dogs’ breeds, but it’s more common in a Standard Schnauzer than in other breeds. It causes seizures and other episodes of abnormal behavior. Seizures can be treated with medication and behavioral training methods.
  • Small intestine obstruction: This condition occurs when the intestine becomes narrowed due to a blockage or a tear in the wall of the intestine. The condition is common in young dogs, but it can also affect older dogs. It can be treated with surgery to remove the blocked part of the intestine.
  • Altered urine production: If a dog cannot produce urine, it may have a blocked urethra, which is an emergency condition. If the dog produces urine but has problems maintaining bladder control, it may have problems with its kidneys or urethra.
  • Dry eyes: Dry eye or keratoconjunctivitis sicca (KCS) occurs when the eyes fail to produce tears at an adequate level. This irritates the cornea and conjunctiva which can lead to corneal ulcers or vision loss if left untreated.
  • Cushing’s disease: This condition is caused by high levels of cortisol in the bloodstream. In many cases, Cushing’s disease is caused by a tumor on the pituitary gland located at the base of the brain.

What does pet insurance cover for a Standard Schnauzer?

Pet insurance covers a range of diagnostics, treatments, and procedures for your dog. Based on your plan, you are eligible for the following coverage:

  • Accidents: Injuries that result from an accident are typically covered by every pet insurance policy. Accidents include everything from swallowing a foreign object to being hit by a car.
  • Illness: Most policies also cover illnesses, but there are some exclusions that may be based on the breed or pre-existing conditions.
  • Routine care: Some providers offer additional coverage for routine veterinary visits, including wellness exams, dental cleanings, and vaccinations. This is usually bought as an add-on to the standard policy.

In addition, 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 Standard Schnauzer?

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

  • Location: Pets living in some urban areas may have a higher incidence of certain diseases than those living in rural areas. Because illness rates vary from region to region, some areas may be more costly to insure compared to others. In addition, urban areas tend to have higher veterinarian costs, so your premiums will be higher.
  • Age: The younger and healthier your pet is, the lower the cost of your policy will be.  However, it’s important to note that if you wait until your dog is older to enroll in a policy, certain conditions may be excluded due to them being considered pre-existing conditions.
  • Deductible: Your deductible is the amount of money you will pay out-of-pocket before your insurance coverage kicks in. If you opt for a lower deductible, your insurance premium will increase. A higher deductible means that while you’ll pay less per month, it will cost more when your dog has an emergency or unexpected illness.
  • Gender: Male pets are usually more expensive to insure than females because they’re at greater risk of injuries (and therefore claims) due to behaviors like roaming and fighting. A neutered male typically costs less than an unneutered male.

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

There are many pet insurance options available for a Standard 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:

  • Check out the company’s reputation: Before you sign up for any insurance, check out its financial strength and customer satisfaction ratings. Speak with other pet parents and your vet to get additional feedback.
  • Consider your budget: When purchasing pet insurance, how much you want to spend on your pet’s health care is an important consideration. A wide range of plans is available, including everything from basic accident-only coverage to comprehensive coverage that includes illness treatment and routine care.
  • Consider pre-existing conditions: Pre-existing conditions aren’t covered by most insurance plans. Suppose your animal has had a chronic condition such as arthritis or diabetes, you’ll have a difficult time getting coverage for those conditions since they happened before your policy was set up.
  • Define your needs: Explore the various types of coverage that pet insurance provides and tailor your plan to your Standard Schnauzer’s needs. Take into consideration of the various diseases that your dog could be susceptible to.