AKC ranks as the best pet insurance provider for Miniature Schnauzers, offering an excellent combination of comprehensive coverage options and strong customer service. Other top-rated providers worth considering include Rainwalk, Pets Best and Lemonade.
Miniature Schnauzer Insurance
Updated: November 10, 2025
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Key Takeaways
AKC is the best pet insurance company for Miniature Schnauzers, offering strong coverage and service quality.
Pets Best provides the cheapest pet insurance rates for Miniature Schnauzers, with average rates of around $27 monthly for standard protection.
The average monthly cost of pet insurance for Miniature Schnauzers is $91, making them the 144th most expensive dog breed to insure.
Best Miniature Schnauzer Pet Insurance Companies
*Pet insurance coverage varies by state and provider. Rates shown are estimates; actual costs vary based on your pet's age, health and location. Coverage exclusions and waiting periods apply. Consult individual providers for specific terms.
Learn more about the best pet insurance options for your Miniature Schnauzer across different situations:
AKC
Best for Miniature Schnauzers
MoneyGeek Rating
4.4/ 5
4.2/5Affordability
4.4/5Customer Experience
5/5Coverage Points
Average Monthly Rate
$47Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Miniature Schnauzer Pet Insurance by State
AKC ranks as the top insurance provider for Miniature Schnauzers in 48 states nationwide. Rainwalk follows as the second-best option, leading in eight states including Illinois, Michigan and Virginia.
| Alabama | AKC | 4.40 |
| Alabama | Rainwalk | 4.40 |
| Alaska | AKC | 4.40 |
| Arizona | AKC | 4.40 |
| Arkansas | AKC | 4.50 |
| California | AKC | 4.45 |
| Colorado | AKC | 4.40 |
| Connecticut | AKC | 4.40 |
| Delaware | AKC | 4.40 |
| Florida | AKC | 4.45 |
| Georgia | AKC | 4.40 |
| Hawaii | AKC | 4.40 |
| Idaho | AKC | 4.40 |
| Illinois | Rainwalk | 4.45 |
| Indiana | AKC | 4.45 |
| Iowa | AKC | 4.40 |
| Kansas | AKC | 4.40 |
| Kansas | Rainwalk | 4.40 |
| Kentucky | AKC | 4.45 |
| Louisiana | AKC | 4.40 |
| Maine | AKC | 4.40 |
| Maryland | AKC | 4.40 |
| Massachusetts | AKC | 4.40 |
| Michigan | Rainwalk | 4.35 |
| Michigan | Pets Best | 4.35 |
| Michigan | AKC | 4.35 |
| Minnesota | AKC | 4.40 |
| Mississippi | AKC | 4.40 |
| Missouri | AKC | 4.40 |
| Montana | AKC | 4.45 |
| Nebraska | AKC | 4.40 |
| Nevada | AKC | 4.40 |
| New Hampshire | AKC | 4.40 |
| New Jersey | AKC | 4.40 |
| New Mexico | AKC | 4.45 |
| New York | AKC | 4.45 |
| North Carolina | AKC | 4.40 |
| North Dakota | AKC | 4.45 |
| Ohio | AKC | 4.40 |
| Oklahoma | AKC | 4.50 |
| Oregon | AKC | 4.45 |
| Pennsylvania | AKC | 4.45 |
| Rhode Island | AKC | 4.45 |
| South Carolina | AKC | 4.40 |
| South Carolina | Rainwalk | 4.40 |
| South Dakota | AKC | 4.45 |
| Tennessee | AKC | 4.40 |
| Tennessee | Rainwalk | 4.40 |
| Texas | AKC | 4.45 |
| Utah | Rainwalk | 4.35 |
| Utah | AKC | 4.35 |
| Utah | Pets Best | 4.35 |
| Vermont | AKC | 4.40 |
| Virginia | Rainwalk | 4.40 |
| Washington | AKC | 4.50 |
| West Virginia | AKC | 4.40 |
| Wisconsin | AKC | 4.35 |
| Wisconsin | Pets Best | 4.35 |
| Wyoming | AKC | 4.45 |
*Rates are based on a 6-year-old Miniature Schnauzer with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Cheapest Miniature Schnauzer Pet Insurance Companies
Pets Best provides the most affordable pet insurance for Miniature Schnauzers at $27 per month or $318 per year. Other budget-friendly options include Lemonade, Pumpkin, ASPCA and Figo.
| Pets Best | $27 | $318 | 51% |
| Lemonade | $29 | $348 | 47% |
| Pumpkin | $32 | $377 | 43% |
| ASPCA | $37 | $443 | 32% |
| Figo | $39 | $468 | 29% |
*Rates are based on a 6-year-old Miniature Schnauzer with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pets Best
Cheapest Pet Insurance for Miniature Schnauzers
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4/5Customer Experience
4/5Coverage Points
Average Monthly Rate
$27Overall Customer Sentiment
70% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Direct vet payment option
Cheapest Miniature Schnauzer Pet Insurance by State
Pets Best leads as the most affordable Miniature Schnauzer insurance provider across the United States, ranking lowest in all 50 states. Monthly premiums range from $18 to $35, depending on your location.
| Alabama | Pets Best | $20 | 54% |
| Alaska | Pets Best | $26 | 52% |
| Arizona | Pets Best | $33 | 50% |
| Arkansas | Pets Best | $18 | 54% |
| California | Pets Best | $34 | 48% |
| Colorado | Pets Best | $34 | 51% |
| Connecticut | Pets Best | $31 | 51% |
| Delaware | Pets Best | $27 | 52% |
| Florida | Pets Best | $30 | 51% |
| Georgia | Pets Best | $24 | 51% |
| Hawaii | Pets Best | $27 | 52% |
| Idaho | Pets Best | $27 | 51% |
| Illinois | Pets Best | $33 | 50% |
| Indiana | Pets Best | $24 | 51% |
| Iowa | Pets Best | $23 | 52% |
| Kansas | Pets Best | $24 | 52% |
| Kentucky | Pets Best | $21 | 54% |
| Louisiana | Pets Best | $22 | 53% |
| Maine | Pets Best | $33 | 51% |
| Maryland | Pets Best | $26 | 55% |
| Massachusetts | Pets Best | $35 | 50% |
| Michigan | Pets Best | $27 | 52% |
| Minnesota | Pets Best | $28 | 51% |
| Mississippi | Pets Best | $23 | 53% |
| Missouri | Pets Best | $21 | 52% |
| Montana | Pets Best | $22 | 52% |
| Nebraska | Pets Best | $24 | 52% |
| Nevada | Pets Best | $28 | 51% |
| New Hampshire | Pets Best | $31 | 50% |
| New Jersey | Pets Best | $30 | 50% |
| New Mexico | Pets Best | $24 | 52% |
| New York | Pets Best | $29 | 51% |
| North Carolina | Pets Best | $24 | 53% |
| North Dakota | Pets Best | $21 | 52% |
| Ohio | Pets Best | $25 | 53% |
| Oklahoma | Pets Best | $22 | 52% |
| Oregon | Pets Best | $33 | 50% |
| Pennsylvania | Pets Best | $28 | 52% |
| Rhode Island | Pets Best | $23 | 52% |
| South Carolina | Pets Best | $25 | 51% |
| South Dakota | Pets Best | $24 | 53% |
| Tennessee | Pets Best | $25 | 51% |
| Texas | Pets Best | $28 | 50% |
| Utah | Pets Best | $26 | 52% |
| Vermont | Pets Best | $25 | 52% |
| Virginia | Pets Best | $29 | 52% |
| Washington | Pets Best | $31 | 53% |
| West Virginia | Pets Best | $23 | 51% |
| Wisconsin | Pets Best | $29 | 52% |
| Wyoming | Pets Best | $25 | 51% |
*Rates are based on a 6-year-old Miniature Schnauzer with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
How Much Does Miniature Schnauzer Insurance Cost?
Monthly insurance premiums for Miniature Schnauzers range from $62 to $118 depending on your location, ranking as the 144th most expensive breed to insure nationwide. Your actual costs will vary based on coverage options and your pet's specific needs.
| Alabama | $69 | $823 | -24% |
| Alaska | $90 | $1,077 | -1% |
| Arizona | $109 | $1,300 | 19% |
| Arkansas | $62 | $739 | -32% |
| California | $113 | $1,351 | 24% |
| Colorado | $114 | $1,366 | 25% |
| Connecticut | $104 | $1,246 | 14% |
| Delaware | $92 | $1,104 | 1% |
| Florida | $104 | $1,242 | 14% |
| Georgia | $81 | $970 | -11% |
| Hawaii | $93 | $1,115 | 2% |
| Idaho | $91 | $1,088 | -0% |
| Illinois | $111 | $1,336 | 23% |
| Indiana | $82 | $985 | -10% |
| Iowa | $75 | $904 | -17% |
| Kansas | $83 | $992 | -9% |
| Kentucky | $73 | $873 | -20% |
| Louisiana | $74 | $882 | -19% |
| Maine | $110 | $1,316 | 21% |
| Maryland | $95 | $1,140 | 5% |
| Massachusetts | $118 | $1,414 | 30% |
| Michigan | $92 | $1,098 | 1% |
| Minnesota | $93 | $1,118 | 3% |
| Mississippi | $78 | $939 | -14% |
| Missouri | $72 | $864 | -21% |
| Montana | $77 | $925 | -15% |
| Nebraska | $82 | $978 | -10% |
| Nevada | $93 | $1,112 | 2% |
| New Hampshire | $105 | $1,252 | 15% |
| New Jersey | $102 | $1,219 | 12% |
| New Mexico | $80 | $961 | -12% |
| New York | $100 | $1,193 | 9% |
| North Carolina | $83 | $988 | -9% |
| North Dakota | $70 | $842 | -23% |
| Ohio | $85 | $1,016 | -7% |
| Oklahoma | $76 | $914 | -16% |
| Oregon | $113 | $1,355 | 24% |
| Pennsylvania | $96 | $1,146 | 5% |
| Rhode Island | $81 | $964 | -12% |
| South Carolina | $87 | $1,043 | -4% |
| South Dakota | $82 | $979 | -10% |
| Tennessee | $84 | $1,005 | -8% |
| Texas | $94 | $1,125 | 3% |
| Utah | $88 | $1,058 | -3% |
| Vermont | $85 | $1,015 | -7% |
| Virginia | $99 | $1,191 | 9% |
| Washington | $105 | $1,262 | 16% |
| West Virginia | $78 | $936 | -14% |
| Wisconsin | $98 | $1,177 | 8% |
| Wyoming | $84 | $1,002 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Miniature Schnauzer. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Miniature Schnauzer Insurance Costs?
Miniature Schnauzers rank 144th in pet insurance costs, making them more expensive to insure than many other breeds. Several breed-specific health factors drive these higher premiums, but there are ways to manage the costs while maintaining proper coverage for your dog.
Health Predispositions
Potential Vet Costs: $2,500 to $12,000
Miniature Schnauzers face several breed-specific health challenges that insurers consider high-risk conditions. Pancreatitis is particularly common in this breed, often requiring surgery and long-term management. They are also prone to eye problems like cataracts, progressive retinal atrophy, and urinary stones. These conditions typically require specialized veterinary care, which significantly increases lifetime medical costs.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
As a small breed, Miniature Schnauzers require precise medication dosing and specialized equipment for procedures. Their compact size can make certain surgeries more delicate, requiring additional expertise and time. While they need smaller quantities of medication than larger breeds, they often require more frequent monitoring during procedures and may need specialized dental care due to their prone tooth alignment.
Lifespan Considerations
Annual Vet Costs By Age: $700 to $1,500 (Young) to $2,000 to $4,500 (Senior)
Miniature Schnauzers typically live 12 to 15 years, which is longer than average for most dog breeds. This extended lifespan means more years of potential health issues and veterinary care. Senior Miniature Schnauzers often require additional screenings, medication adjustments, and management of age-related conditions, leading to substantially higher medical expenses in their later years.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $4,500
Miniature Schnauzers are energetic and territorial dogs with strong hunting instincts. Their active nature and tendency to chase small animals can lead to injuries like sprains, cuts, or fractures. Their protective nature might also result in confrontational situations with other animals. These behavioral traits can influence both injury risk and liability coverage options.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $8,000
Increased demand for Miniature Schnauzers has led some breeders to skip important health screenings, resulting in more genetic health issues within the breed. This trend has made insurers more cautious about coverage for hereditary conditions. Choosing a puppy from health-tested parents with proper breeding documentation can significantly reduce your risk of facing denied claims or coverage restrictions.
Your Miniature Schnauzer's health needs won't perfectly match breed averages, so consider your pet's specific medical history when getting pet insurance. Base your deductible, annual limit and reimbursement rate decisions on both your budget and your dog's unique health profile. A conversation with your vet can help identify which health risks matter most for your Miniature Schnauzer.
INSURANCE RISK PREVENTION
Protect your Miniature Schnauzer's health with a low-fat diet to prevent pancreatitis and schedule regular dental cleanings to avoid tooth problems. Ask your vet about genetic testing for eye conditions and annual health screenings. Choose health-tested breeding lines when getting a puppy, and maintain a consistent exercise routine. Regular vet checkups help catch issues early, saving money on future medical costs.
How to Get the Best Cheap Miniature Schnauzer Pet Insurance
Finding affordable Miniature Schnauzer insurance takes some research, but these proven steps help you save money on coverage.
- 1Evaluate Your Coverage Needs
Consider your Miniature Schnauzer's age and potential health issues when choosing pet insurance coverage. Think about how much you can afford monthly and what deductible makes sense for your budget.
- 2Compare Insurance Providers
Research different pet insurance companies and their reputation for handling claims. Look at customer reviews and make note of average costs for similar coverage levels.
- 3Review Policy Details
Check waiting periods and any breed-specific exclusions in the policy terms. Pay special attention to reimbursement terms for common Miniature Schnauzer health issues like eye problems or dental care.
- 4Get Multiple Online Quotes
Request quotes from at least three different insurance providers. Prices can vary significantly between companies, even for the same deductible, annual limit and reimbursement rate. Check if there are discounts that can lower your premium.
- 5Review Annually
Check your policy terms and pricing each year before renewal to determine whether renewing your pet insurance is worth it. Your pet's needs change with age, and new, more affordable options may become available.
Miniature Schnauzer Dog Insurance: Bottom Line
AKC ranks as the best-rated pet insurance provider for Miniature Schnauzers, while Pets Best offers the lowest monthly premiums at $27. We recommend comparing both providers, along with other trusted options, to find coverage that matches your pet's needs and your budget. The right policy provides financial protection when your furry friend needs veterinary care.
Learn more about the best pet insurance providers for your Miniature Schnauzer:
Pet Insurance for Miniature Schnauzer: FAQ
MoneyGeek analyzed insurance options specifically for Miniature Schnauzer owners.
What is the best pet insurance provider for Miniature Schnauzers overall?
AKC is the top pet insurance provider for Miniature Schnauzers, offering comprehensive coverage and exceptional customer service. Despite higher-than-average premiums, their extensive benefits and reliable claims process make them a valuable choice for pet owners.
Who offers the cheapest pet insurance for Miniature Schnauzer?
Pets Best provides the most affordable pet insurance for Miniature Schnauzers, with rates starting at $27 monthly for standard coverage. Remember that actual premiums will vary based on your location and pet's specific circumstances.
How much does Miniature Schnauzer insurance cost?
Miniature Schnauzers cost $91 per month to insure on average, ranking 144th in insurance costs among dog breeds. Monthly premiums across states range from $62 to $118, depending on location.
What are the most common accident and illness risks for Miniature Schnauzer?
Miniature Schnauzers commonly face pancreatitis (inflammation of the pancreas causing severe digestive issues), urinary stones (painful mineral deposits in the urinary tract), and cataracts (clouding of the eye lens leading to vision problems). These health risks are largely tied to the breed's genetic predisposition and physical characteristics.
How We Found the Best and Cheapest Miniature Schnauzer Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Miniature Schnauzers. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Miniature Schnauzers.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:Â
- 6-year-old Miniature Schnauzer
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs provided were based on aggregated pricing for the breed for all coverage selections and all ages insured on the market within reasonable life expectancy limits.
How We Rated Each ProviderÂ
We analyzed online sources for comprehensive ratings based on the following basic metrics:
- Affordability (50% of score): This score aggregates ratings based on the relative affordability compared to competition for all profiles and all factor combinations. We also factored in discounts as a minor component to the rating, as there's only slight variation between companies.
- Customer Experience (30% of score): We used ratings derived from a general sentiment rating aggregated from all internet sources, determining positive, neutral and negative sentiment proportions for each company to get this score. More positive sentiment means a higher rating.
- Coverage (20% of score): We read all contract details for every provider in every state, considering add-on options, inclusions, exclusions and restrictions to derive this score. Pet insurance regulations vary widely by state, and coverage options may differ based on your location.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.