Miniature Schnauzer Insurance


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Key Takeaways

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AKC is the best pet insurance company for Miniature Schnauzers, offering strong coverage and service quality.

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Pets Best provides the cheapest pet insurance rates for Miniature Schnauzers, with average rates of around $27 monthly for standard protection.

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The average monthly premium for Miniature Schnauzers is $91, making them the 144th most expensive dog breed to insure.

Best Miniature Schnauzer Pet Insurance Companies

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.

AKC4.40$4731
Rainwalk4.35$4514
Pets Best4.35$2752
Lemonade4.30$2936
Spot4.05$4428

*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.

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AKC

Best for Miniature Schnauzers

MoneyGeek Rating
4.4/ of 5
4.2/5Affordability
4.4/5Customer Experience
5/5Coverage Options
  • Average Monthly Rate

    $47
  • Overall Sentiment

    86% positive
  • Maximum Annual Limit

    $10,000
  • Most 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.

AlabamaAKC4.40
AlabamaRainwalk4.40
AlaskaAKC4.40
ArizonaAKC4.40
ArkansasAKC4.50
CaliforniaAKC4.45
ColoradoAKC4.40
ConnecticutAKC4.40
DelawareAKC4.40
FloridaAKC4.45
GeorgiaAKC4.40
HawaiiAKC4.40
IdahoAKC4.40
IllinoisRainwalk4.45
IndianaAKC4.45
IowaAKC4.40
KansasAKC4.40
KansasRainwalk4.40
KentuckyAKC4.45
LouisianaAKC4.40
MaineAKC4.40
MarylandAKC4.40
MassachusettsAKC4.40
MichiganRainwalk4.35
MichiganPets Best4.35
MichiganAKC4.35
MinnesotaAKC4.40
MississippiAKC4.40
MissouriAKC4.40
MontanaAKC4.45
NebraskaAKC4.40
NevadaAKC4.40
New HampshireAKC4.40
New JerseyAKC4.40
New MexicoAKC4.45
New YorkAKC4.45
North CarolinaAKC4.40
North DakotaAKC4.45
OhioAKC4.40
OklahomaAKC4.50
OregonAKC4.45
PennsylvaniaAKC4.45
Rhode IslandAKC4.45
South CarolinaAKC4.40
South CarolinaRainwalk4.40
South DakotaAKC4.45
TennesseeAKC4.40
TennesseeRainwalk4.40
TexasAKC4.45
UtahRainwalk4.35
UtahAKC4.35
UtahPets Best4.35
VermontAKC4.40
VirginiaRainwalk4.40
WashingtonAKC4.50
West VirginiaAKC4.40
WisconsinAKC4.35
WisconsinPets Best4.35
WyomingAKC4.45

*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$31851%
Lemonade$29$34847%
Pumpkin$32$37743%
ASPCA$37$44332%
Figo$39$46829%

*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.

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Pets Best

Cheapest Pet Insurance for Miniature Schnauzers

MoneyGeek Rating
4.3/ of 5
4.7/5Affordability
4/5Customer Experience
4/5Coverage Options
  • Average Monthly Rate

    $27
  • Overall Customer Sentiment

    70% positive
  • Maximum Annual Limit

    Unlimited
  • Most 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.

AlabamaPets Best$2054%
AlaskaPets Best$2652%
ArizonaPets Best$3350%
ArkansasPets Best$1854%
CaliforniaPets Best$3448%
ColoradoPets Best$3451%
ConnecticutPets Best$3151%
DelawarePets Best$2752%
FloridaPets Best$3051%
GeorgiaPets Best$2451%
HawaiiPets Best$2752%
IdahoPets Best$2751%
IllinoisPets Best$3350%
IndianaPets Best$2451%
IowaPets Best$2352%
KansasPets Best$2452%
KentuckyPets Best$2154%
LouisianaPets Best$2253%
MainePets Best$3351%
MarylandPets Best$2655%
MassachusettsPets Best$3550%
MichiganPets Best$2752%
MinnesotaPets Best$2851%
MississippiPets Best$2353%
MissouriPets Best$2152%
MontanaPets Best$2252%
NebraskaPets Best$2452%
NevadaPets Best$2851%
New HampshirePets Best$3150%
New JerseyPets Best$3050%
New MexicoPets Best$2452%
New YorkPets Best$2951%
North CarolinaPets Best$2453%
North DakotaPets Best$2152%
OhioPets Best$2553%
OklahomaPets Best$2252%
OregonPets Best$3350%
PennsylvaniaPets Best$2852%
Rhode IslandPets Best$2352%
South CarolinaPets Best$2551%
South DakotaPets Best$2453%
TennesseePets Best$2551%
TexasPets Best$2850%
UtahPets Best$2652%
VermontPets Best$2552%
VirginiaPets Best$2952%
WashingtonPets Best$3153%
West VirginiaPets Best$2351%
WisconsinPets Best$2952%
WyomingPets Best$2551%

*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$1,30019%
Arkansas$62$739-32%
California$113$1,35124%
Colorado$114$1,36625%
Connecticut$104$1,24614%
Delaware$92$1,1041%
Florida$104$1,24214%
Georgia$81$970-11%
Hawaii$93$1,1152%
Idaho$91$1,088-0%
Illinois$111$1,33623%
Indiana$82$985-10%
Iowa$75$904-17%
Kansas$83$992-9%
Kentucky$73$873-20%
Louisiana$74$882-19%
Maine$110$1,31621%
Maryland$95$1,1405%
Massachusetts$118$1,41430%
Michigan$92$1,0981%
Minnesota$93$1,1183%
Mississippi$78$939-14%
Missouri$72$864-21%
Montana$77$925-15%
Nebraska$82$978-10%
Nevada$93$1,1122%
New Hampshire$105$1,25215%
New Jersey$102$1,21912%
New Mexico$80$961-12%
New York$100$1,1939%
North Carolina$83$988-9%
North Dakota$70$842-23%
Ohio$85$1,016-7%
Oklahoma$76$914-16%
Oregon$113$1,35524%
Pennsylvania$96$1,1465%
Rhode Island$81$964-12%
South Carolina$87$1,043-4%
South Dakota$82$979-10%
Tennessee$84$1,005-8%
Texas$94$1,1253%
Utah$88$1,058-3%
Vermont$85$1,015-7%
Virginia$99$1,1919%
Washington$105$1,26216%
West Virginia$78$936-14%
Wisconsin$98$1,1778%
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.

    petMedicalCheckup icon

    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.

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    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.

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    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.

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    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.

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    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 choosing insurance. Base your coverage decision 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.

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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.

  1. 1

    Evaluate 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.

  2. 2

    Compare 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.

  3. 3

    Review Policy Details

    Check waiting periods and any breed-specific exclusions in the policy terms. Pay special attention to coverage for common Miniature Schnauzer health issues like eye problems or dental care.

  4. 4

    Get Multiple Online Quotes

    Request quotes from at least three different insurance providers. Prices can vary significantly between companies, even for the same coverage level.

  5. 5

    Review Annually

    Check your policy terms and pricing each year before renewal. 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.

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?

Who offers the cheapest pet insurance for Miniature Schnauzer?

How much does Miniature Schnauzer insurance cost?

What are the most common accident and illness risks for Miniature Schnauzer?

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: 

  • 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 Provider 

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 headshot

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!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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