Best Pet Insurance For Dobermans (2023)

by | 2/1/2023

Originally bred as a guard dog by a German tax collector named Louis Dobermann in 1890, the Doberman Pinscher is recognizable by its muscular body and long head, with coloring similar to the Rottweiler

Dobermans are susceptible to several different health problems that can cost a large chunk of change to treat, so it’s wise to enroll your Dobie in a pet insurance plan to ensure vet costs don’t drive you into debilitating debt. 

This article highlights top providers and plans with the best pet insurance for Dobermans by answering the following questions:

  • Why is pet insurance for Dobermans important?
  • How much does pet insurance for Dobermans cost?
  • What are our top recommendations for Doberman pet insurance?
  • Is pet insurance for Dobermans worth it?

Continue reading to learn more about the following pet insurance providers so that you can choose the best one for your needs:

 

Our Top 3 Picks for Doberman Pet Insurance

Spot Lemonade  Embrace
Quote Visit Site Visit Site Visit Site
Our Score 4.9/5 4.8/5 4.7/5
Deductible $100 to $1,000 $100 to $500 $200 to $1,000
Average Monthly Cost for Dobermans $50 to $70 $50 $50 to $60
Multi-pet Discount 10% 5% 10%
Wellness Add-on Yes Yes Yes
BBB Rating A F A+

Why Is Pet Insurance For Dobermans Important?

Like German Shepherds, Pit Bulls, and many other medium-to-large pedigree dog breeds, Dobermans are prone to canine hip dysplasia, which can cause chronic pain, muscular atrophy, and lameness in the hind limbs. It’s also one of the most expensive orthopedic conditions to treat in dogs. 

Other life-threatening health issues common in Dobermans include:

  • Chronic hepatitis — An autoimmune disease that triggers inflammation in the liver.
  • Gastric bloat — A deadly twisting of the stomach when it fills with too much gas, fluid, or food.
  • Dilated cardiomyopathy — Degeneration of the heart muscle, causing the heart to become abnormally enlarged.
  • Hypothyroidism — An endocrine disorder where the thyroid gland is underactive, resulting in a slowed metabolic rate.
  • Von Willebrand’s disease — A bleeding disorder where the blood lacks natural proteins that allow it to clot properly, resulting in excessive bleeding after injury
  • Wobbler syndrome — Compression of the cervical nerves and spinal cord, often caused by a herniated disc, resulting in uncoordinated movement, neck pain, and partial or total paralysis

Most inherited health conditions common in Dobermans will require surgery and long-term medical management to treat. Depending on your selected coverage, pet insurance can reimburse up to 90% of your Dobie’s vet bills. 

Dobermans are commonly seen with upright ears and docked tails, though these features aren’t natural and are solely done for aesthetic purposes. Both require cosmetic surgical procedures that pet insurance won’t cover because they’re unrelated to the health of this breed.

Below are some of the same conditions that we mentioned above and what they’ll cost on average to address without pet insurance coverage:

Injury/Illness Estimated Expense
Hip dysplasia $3,500-$7,000 per hip for surgery; $100-$300 per month for medical maintenance
Chronic active hepatitis (CAH) $500 to $2,500 for diagnosis and medical management
Von Willebrand’s disease $800 to $1,500 for diagnosis and medical management
Gastric bloat $3,000-$8,000 for gastropexy surgery and treatment; $800-$1,200 for preventive gastropexy surgery
Hypothyroidism  $150 per month for medical management; $200 per year for testing
Wobbler syndrome $100 to $300 per month for medical management; $5,000 to $6,000 for spinal correction surgery
Dilated cardiomyopathy $1,000+ per year for long-term maintenance

How Much Does Pet Insurance For Dobermans Cost?

On average, pet insurance for Dobermans costs around $60 per month. However, the amount you’ll pay for your Doberman’s pet healthcare plan will largely depend on how old your pup is at sign-up and where you’re located in the United States.

Purebred and older Dobies will cost more to insure because of their increased incidences of health complications, thus creating a higher level of risk for the insurer covering them.

Dogs residing with their owners in densely populated areas will also incur a more expensive premium per month if the cost of living is higher than the national average in the provided ZIP code.  

Here’s how the same accident and illness policy for a Doberman might vary in price across different regions nationwide: 

State Estimated Cost
California $45.96
Florida $66.81
Indiana $71.96
New York $58.92

*These estimates are based on standard accident and illness coverage with a $4,000 annual limit, an 80% reimbursement rate, and an annual deductible of $250 for an alias 2-year-old Doberman living in the capital city of each featured state. Prices are subject to change.

Best Pet Insurance for Dobermans

We’ve reviewed five leading providers that offer the best Doberman insurance on the pet healthcare market, but that doesn’t necessarily mean that all of these options will be the right fit for you and your dog. 

It’s always good to generate a free pet insurance quote with any company that catches your eye to see how its premiums and policies meld specifically with your budget and coverage objectives. 

Spot for Dobermans 

Spot offers accident and illness coverage for Dobermans starting at 8 weeks old with no age restrictions for older dogs. One hallmark of Spot’s policies is that it includes items in its standard coverage that competing providers often only offer at an extra cost — like exam fees, microchipping, behavioral therapy, and alternative therapies.

A pet owner who enrolls in Spot’s accident and illness plan will be covered for a portion of any emergency veterinary care related to injuries, illnesses, congenital conditions, hospitalization, surgery, and chronic illnesses like cancer, diabetes, thyroid disorders, and more. 

For an added layer of coverage, Doberman owners can also tack one of two wellness plans onto their policies:

  • Gold — for an extra $9.95 per month and a total annual benefit of up to $250.
  • Platinum — for an extra $24.95 per month and a total annual benefit of up to $450.

Pros and Cons

Pros

  • Offers an unlimited annual payout option and no per-incident or lifetime maximums
  • Has a 10% discount for pet owners who enroll more than one pet
  • 30-day money-back guarantee

Cons

  • Monthly premiums are slightly more expensive than competitors
  • Won’t cover prescription pet food unless for kidney/bladder stone treatment

To continue reading about Spot, head over to our Spot pet insurance review

Lemonade for Dobermans

By only offering one accident and illness policy, Lemonade ensures that even its bare-bones standard coverage is comprehensive. As the first fully digital pet insurance provider, Lemonade makes customizing your accident and illness coverage convenient through its user-friendly mobile app or online desktop portal. 

Lemonade’s policies are some of the most affordable in the industry, with base plans starting as low as $10 per month. However, based on our research, Doberman owners should expect a monthly premium closer to $50 per month. 

Despite its cost-effective coverage, we noticed that Lemonade does have a longer list of exclusions than other providers. You won’t be covered for behavioral therapy, dental illness care, or prescription pet food. Lemonade won’t cover preventative care costs unless you add one of its three routine care riders to your policy.    

Pros and Cons

Pros

  • Two-day waiting period for approved accident claims
  • Covers up to $100,000 in eligible emergency veterinary expenses per year
  • Offers physical therapy and vet visit fee coverage for just $1 to $3 per month

Cons

  • Only available in 36 select states and Washington, D.C.
  • Won’t cover Dobermans over the age of 14

Visit our Lemonade pet insurance review for further details on this provider. 

ASPCA for Dobermans 

While ASPCA also offers an accident-only pet insurance policy, we recommend its signature Complete Coverage plan for Doberman owners, which will partially reimburse them for exam fees, microchipping, behavioral therapy, and alternative therapies. This policy level will also cover eligible accidents, illnesses, hereditary conditions, and chronic health issues that affect your dog.  

We love ASPCA’s pet health insurance for Dobermans because it’s one of the few providers that doesn’t uphold long waiting periods for orthopedic conditions. While some insurers require you to wait anywhere from six to 12 months for coverage for things like hip dysplasia or cruciate ligament injuries, ASPCA will cover these conditions and more in just 14 days.

ASPCA also doesn’t have any upper age limits on its coverage, making this provider a great option for dog owners looking to enroll a senior pet. 

Pros and Cons

Pros

  • Distinguishes between curable and incurable pre-existing conditions
  • Offers a 10% discount for policyholders who enroll more than one pet
  • No lengthy waiting periods for orthopedic conditions like most competing providers

Cons

  • Claims can take up to 30 days to be processed
  • Maximum available coverage limit is only $10,000 per year

Check out our full ASPCA pet insurance review to learn more. 

Embrace for Dobermans 

Embrace offers comprehensive coverage through its accident and illness policy for dogs under 14. Still, it doesn’t bar seniors from coverage entirely, as the accident-only plan has open enrollment for pets of all ages, starting at 6 weeks old.  

Doberman owners who enroll with Embrace will have access to a few unique plan perks that can’t be found with any other pet insurance carrier. First is Embrace’s exclusive vanishing deductible feature that rewards pet parents by knocking $50 off their annual deductibles each year that they don’t need to file claims. 

Embrace also has a signature non-insurance Wellness Rewards program, which covers 100% of routine care expenses — annual vet exam fees, vaccinations, parasite prevention, and even spay/neuter procedures — as long as they remain with the three allowances that Embrace offers. Customers can choose a wellness maximum of $250, $450, or $650. 

Pros and Cons

Pros

  • Offers a number of stackable discounts for a potential total savings of up to 25%
  • Distinguishes between curable and incurable pre-existing conditions
  • 30-day money-back guarantee

Cons

  • Maximum available coverage limit for accident-only is only $5,000 per year
  • Six-month waiting period for orthopedic conditions

    Read our complete Embrace pet insurance review to learn more. 

    Healthy Paws for Dobermans

    Like Lemonade, Healthy Paws offers one stock accident and illness policy for all customers alongside an easy-to-use mobile app for enrollment, plan management, and claims filing. This provider deviates slightly from other insurers in that it doesn’t offer any optional wellness coverage, so we’d only recommend Healthy Paws to Doberman owners looking for emergency dog insurance

    Healthy Paws offers fixed unlimited annual coverage benefits for pet parents, with no per-item or lifetime maximums. You’ll never have to worry about maxing out your coverage should your Dobie incur a steep veterinary bill.

    One thing worth noting about this provider is that it isn’t ideal for pets of all ages. Healthy Paws caps enrollment eligibility at age 14 and has overall narrower coverage options for dogs over the age of 6. For example, a Doberman enrolled after its sixth birthday isn’t eligible for hip dysplasia coverage. 

    Pros and Cons

    Pros

    • Works in tandem with a nonprofit organization that has donated over $1.6 million to 300+ shelters and rescues
    • Unlimited coverage benefits for all
    • Has a direct vet payment option for those who can’t afford to wait for reimbursements

    Cons

    • No preventative care coverage
    • No current discounts

    For more information on this provider, read our full Healthy Paws pet insurance review

    Is Pet Insurance For Dobermans Worth it?

    As we’ve covered, purebred Dobermans are at high risk for many congenital health conditions, primarily affecting their bones, muscles, and autoimmune systems. Unless you have a savings account stocked with a few thousand dollars reserved solely for your Dobie’s emergency healthcare, which only around 39% of Americans do, you should consider enrolling your dog in pet insurance. 

    Generating a free quote is a foolproof way to figure out how comprehensive a policy you can build within your budget boundaries. 

    Final Thoughts

    As much as we want to underscore the bottomless benefits of enrolling in the best pet insurance for Dobermans, we also understand that paying monthly premiums isn’t always a financially feasible option for all dog owners. 

    Here are a few temporary pet financial aid programs and low-cost veterinary care options for any pet owners currently struggling to afford proper healthcare for their animal(s):

    Our Methodology

    ​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

    • Coverage
    • Plan options
    • Cost 
    • Reputation
    • Customer service 
    • Species available
    • Wellness benefits 

    We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

    Each factor is weighted differently based on the following factors:

    • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
    • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
    • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
    • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
    • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
    • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
    • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

    Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.