Do You Need Doberman Pet Insurance?
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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!
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
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
- 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 which 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.
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|
|Treatments||Services Covered||Not Covered|
● RX: Metacam, pain reliever
|Office Visit (Veterinary Exam)||$51.00|
|Multiply by Reimbursement Level: 90%||$131.04|
|Minus Remaining Annual Deductible: $0||$0.00|
|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|
● X-ray, 1st Plate
● Complete Blood Count (Lab work)
● Blood Chemistry Tests (Lab work)
● 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
|● IV Catheter Placement
● IV Catheter & Fluid Therapy
● Acepromazine Injection
● Diazepam/Valium Injection
● Hydromorphone Injection
● Propofol Anesthesia
● 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
|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.
Treatment cost: $1,000-$5,000
Since Dobies are a large breed dog, they are more likely to have heart problems.
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.
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.
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|
Can You Afford to Care For Your Dobie 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.