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5 Best Pet Insurance for German Shepherds (2022 Reviews)

german shepherd pet insurance
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German Shepherd parents from New Hampshire, Idaho, Texas, Florida or points in between understand the inevitability of their dogs experiencing medical emergencies at one point or another in their lives. Veterinary services in such situations can be extremely expensive. Dog insurance offers a financial cushion to help pet owners afford essential treatments during such crises so their dogs can get the care they need and deserve. We have conducted extensive research and determined the best pet insurance providers for German Shepherds.

german shepherd pet insurance

5 Top Pet Insurance Companies Compared for German Shepherds

  • 1

    Best overall

    Our score
    Average price for
    German Shepherds
    Reimbursement amount 90%
    Annual benefit $20,000
    • Lemonade features the overall best German Shepherd pet insurance plan at the most competitive rates

    • Claims can be paid in under 60 seconds via their world-class app. I was blown away by how quickly they approved my claim and how much they paid

    • Lemonade is a certified B-corp that donates a significant portion of their unclaimed premiums to pet parents’ preferred non-profit organizations

  • 2

    Best for wellness

    Our score
    Average price for
    German Shepherds
    Reimbursement amount 90%
    Annual benefit $20,000
    • They are one of the few companies that reimburse up to 100% of veterinary costs and provide quick reimbursements

    • Wagmo’s top-notch wellness plans extend coverage to include your pet’s routine and preventative care

    • Wagmo offers instant coverage for cats and dogs in all 50 states, regardless of their age, breed, or any health conditions (with some limitations)

  • 3

    Best live vet support

    Our score
    Average price for
    German Shepherds
    Reimbursement amount 90%
    Annual benefit $5,000
    • Figo provides free 24/7 telehealth services to German Shepherd owners with licensed veterinarians and other essential professionals on call

    • Their pet records app and real-time claims tracker are easy and intuitive to use

    • Figo covers most ‘curable’ pre-existing conditions as long as the pet has been symptom-free for 12 months since their last treatment

  • 4

    Best for pre-existing conditions

    Our score
    Average price for
    German Shepherds
    Reimbursement amount 100%
    Annual benefit $3,000
    • Pawp allows you to protect up to 6 pets under one membership regardless of age or pre-existing conditions

    • Pawp membership gives German Shepherd pet parents access to an annual one-time use $3,000 Emergency Fund to cover unexpected accidents or illnesses

    • Pawp does not require copays, credit checks or deductibles

  • 5

    Best established brand

    Our score
    Average price for
    German Shepherds
    Reimbursement amount 90%
    Annual benefit $5,000
    • With Embrace’s “Healthy Pet Deductible,” your annual deductible drops by $50 every year you do not get reimbursed for a claim

    • Embrace has an easy-to-use claims portal and paid 92% of claims in 2021

    • Their Wellness Rewards is one of the most flexible preventative care plans available, offering a whole host of benefits, including training and grooming

Based on our personal experience and countless hours of research, we’ve found Lemonade Pet Insurance offers the ideal balance between coverage and unbeatable prices.

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FAQs about German Shepherd Dog Insurance

  • 1. How much does pet insurance cost for German Shepherds?

    Pet insurance for German Shepherds can cost anywhere from $24 to $65 each month. We give a range because providers calculate premiums using several factors, such as your dog’s age, breed, medical history and the typical cost of veterinary care in your state.

  • 2. What does pet insurance typically cover for German Shepherds?

    Pet insurance coverage for German Shepherds varies from one company to the next. Still, as a general rule, you can expect any illnesses and accidents that are sudden and catastrophic in nature to be covered. Coverage for such incidents typically extends to physical exams, tests, other diagnostic procedures, surgery and medication.

  • 3. Can I cancel my German Shepherd’s insurance plan after I make a claim?

    You should be able to cancel your German Shepherd’s plan at any time, regardless of the provider. Each company’s policies regarding cancellation may require you to take specific steps, so be sure to check with them on how to go about this.

  • 4. Do pet insurance companies cover spaying and neutering?

    Pet insurance companies do not cover these operations. However, if your German Shepherd needs spaying or neutering, some providers, like Embrace , have optional wellness plans that cover them.

  • 5. Does the cost of insurance increase as my German Shepherd ages?

    The insurance costs for your German Shepherd will go up as they age and will become most noticeable once they are 4 to 5 years old. Providers raise rates to mitigate the heightened risk that your dog will get sick or develop a chronic condition the older they get.

  • 6. Which companies cover pre-existing conditions?

    Pawp is the best provider for covering pre-existing conditions, especially in emergencies. That said, Embrace also covers limited pre-existing conditions, particularly those they deem curable. We always recommend checking with these providers to get more specifics of what they cover and exclude. The upshot is that if your German Shepherd has a pre-existing condition, it will not preclude them from getting insured.

  • 7. Is pet insurance worth it for German Shepherds?

    German Shepherds, like all breeds, experience medical emergencies throughout the course of their lives. Since urgent veterinary treatments are expensive, pet insurance can be tremendously beneficial. Take for example, hip dysplasia. It is one of the most common afflictions German Shepherds experience and a quite costly one to remedy. The only real cure is hip replacement surgery, which can cost up to $7,000. Another ailment this breed suffers from is cataracts, which is when a white film develops over the retina and inhibits light from entering the eye. If left untreated, cataracts can lead to blindness, which is why veterinarians usually recommend surgery. Such an operation can cost as much as $4,000.

More Details About Pet Insurance for German Shepherds

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade ranks best overall for a number of reasons, especially their comprehensive accident and illness coverage, reasonable rates and various wellness plans. Their straightforward claims filing system on their mobile app is also another perk of their coverage, along with a very brief 2-day accident waiting period. German Shepherd owners who purchase renters’ or homeowners’ insurance from Lemonade will receive a discount.

    Keep in mind: Should you have a senior German Shepherd or one with pre-existing conditions, expect to submit veterinary documentation regarding their medical history.

    Good for: Most German Shepherds, especially those that are young and healthy.  

    Average price for DOGS in German Shepherds: $35.75/month 

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: After German Shepherd parents meet their annual deductible, Wagmo will reimburse as much as 100% of veterinary fees for the rest of the year. They also offer lightning-fast reimbursements via direct deposit, Venmo or PayPal. And for those who renew their policies without having claim reimbursements in the previous year or insure multiple pets will receive extra discounts. It is worth mentioning that all dog owners are free to choose their veterinarians.

    Keep in mind: Total lifetime benefits are capped at $100,000. Should your German Shepherd’s care reach this expense threshold, they will no longer be eligible for coverage.

    Good for: German Shepherd parents that prefer coverage that blends wellness and emergency care.  

    Average price for DOGS in German Shepherds: $64.38/month 

  • 3. Figo

    (Best live vet support)

    Why it’s great: German Shepherd owners will love the free 24/7 televet services that Figo offers via their mobile app. They also have a selection of optional wellness plans to cater to all different needs, including one that extends coverage for up to $250 of prescription food. Moreover, Figo’s health plans come with unlimited lifetime benefits and have no caps on specific conditions. They also pride themselves in having a short claim review process that averages less than 3 days, thereby helping to ensure dog parents get reimbursed sooner rather than later.

    Keep in mind: Figo does not cover pre-existing conditions.

    Good for: German Shepherd owners who want free 24/7 televet services included with their dog insurance policy. 

    Average price for German Shepherds: $64.39/month 

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: The emergency fund will protect up to 6 pets of any age, breed and health condition in a given household for only $24 each month. In addition to the fund, pet parents will get unlimited 24/7 telehealth support and pet expert consultations. One of the best things about Pawp’s coverage is that there are no copays, credit checks or deductibles. They also guarantee that they will pay any bills for qualified emergencies before you and your German Shepherd leave the veterinary clinic.

    Keep in mind: The emergency fund covers only medical events that Pawp’s virtual team of veterinarians deem true emergencies. Also, it covers only a single vet bill of under $3,000 for one pet within your household each year.

    Good for: German Shepherds that have pre-existing conditions or those that may be older. Can be a solid supplement for traditional pet insurance.  

    Average price for DOGS in German Shepherds: $24/month 

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace offers many perks that German Shepherd parents will love, such as unlimited lifetime benefits, multiple pet discounts and diminishing deductibles. With the latter, your deductible will decrease by $50 upon renewal if you had no claim reimbursements in the year prior. Embrace also features one of the most dynamic wellness plans out there, which reimburses for alternative veterinary treatments, including reiki, acupuncture, chiropractic and massage therapy.

    Keep in mind: Embrace’s wellness plan has a maximum combined claims total of $650. No unused funds will be refunded at the end of your policy year for this optional plan.

    Good for: German Shepherd parents who want to take their dogs for alternative veterinary treatments and have them covered by insurance.  

    Average price for DOGS in German Shepherds: $57.98/month 

Best Overall

Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider for German Shepherds and they also offer the best value.


We hope that this article helps simplify your search for the best pet insurance for German Shepherds. It is always good to explore these companies’ offerings further before applying for a policy. Selecting the right pet insurance plan for your dog can provide vital financial support for both emergency and routine care so that you both can share many healthy and fun-filled years together.