Dogs, without any doubt, are the most loyal animals a human can ever have.

And when we talk about german shepherds, this statement takes a whole new meaning.

German shepherds are not only loyal but highly intelligent, obedient, caring, strong, and brave. Some also call them “all-purpose” dogs, and it’s easy to see why.

But with these beautiful qualities comes a lot of responsibility, yes, their health.

And to provide them with the best care, there’s nothing better than insurance. With the rising costs of vet bills, having insurance for your german shepherd is a no-brainer.

In this guide, I will cover some of the top insurance options for german shepherds and things you should consider when buying one.

But first, in a few words, let me explain what german shepherd’s insurance is.

What Is German Shepherd Pet Insurance?

German Shepherds are a smart and loyal canine breed, but they face certain medical conditions that can be costly if left untreated. 

Hip dysplasia, an abnormal formation of the hip joint resulting in arthritis, is very common in this breed, as are elbow dysplasia, dermatitis, and skin allergies

German Shepherd pet insurance is designed to help owners deal with any health issues that may arise due to their genetic predisposition

Besides covering costs related to vet treatments and medications, insurance also covers accident-related incidents —- something no one can ever plan for! 

Having coverage ensures peace of mind that you can take care of your pet without worrying about finances.

Ultimately it’s an invaluable investment into your pet’s future wellness.

The Best Pet Insurance For German Shepherds

Whether you already own a beloved German Shepherd or are considering getting one, understanding the right pet insurance plan for your canine companion is essential to their health and well-being. 

After all, while they may be man’s best friend, they come with major financial implications that must be considered. 

To make things easier for you, we’ve compiled and reviewed the five best pet insurance plans available today specifically tailored to meet the needs of German Shepherds. 

Here’s a dive deep into each coverage policy so you can select the right one for you and your pup.

1. Embrace

Embrace is the premier dog insurance option for German Shepherd owners. 

With a wealth of customizable coverage options tailored to these iconic canines, you can rest assured that you and your furry friend are well cared for. 

From nose-to-tail, Embrace covers unexpected accidents and illnesses, and pre-existing conditions like inherited and congenital disorders. 

No matter what occurs to your pooch, rest assured that all costs associated with treatments such as exams, diagnostic tests, procedures, and even surgery will be taken care of. 

And if your pup needs more specialist attention, such as behavioral therapy for anxiety or loneliness, it’s covered too! 

That’s why Embrace is the top insurance for German Shepherds.



2. Figo

Figo stands out among pet insurers as the top choice for German Shepherds. 

With no per-incident caps, owners can rest assured knowing they will get the full benefit of their plan when they need it most. 

Figo’s coverage also includes curable pre-existing conditions – something much welcomed by German Shepherd lovers. 

Best of all, Figo is lightning fast; claim payments are made on average in a speedy 2.6 working days

From common illnesses like colds or skin irritations to accidents or medical emergencies, Figo has the coverage that places them at the top of the pack. 

For those moments when preventive care and wellness might be required, Optimal Coverage offers reimbursement towards yearly exams, vaccines, diagnostic tests, and more. 

Last but not least, chronic conditions are also covered by Figo’s Pet Insurance plan, with ongoing care included in their long-term strategies so that costs can be minimized as your pup gets older. 

Figo has thought of it all for pet parents with German Shepherds!



3. Hartville

Hartville Pet Insurance is the right choice for German Shepherds – or any pet. 

Its comprehensive coverage covers all the bases, from accidents and illnesses to hereditary conditions and even behavioral issues – plus dental disease — so your family can be prepared for unexpected vet bills. 

But it doesn’t end there: Hartville also offers preventative care add-ons ranging from vaccines and dental cleanings to screenings and beyond, so your pup can be in their best health before an issue arises. 

With Hartville, you have complete peace of mind for your pooch so that you can enjoy every moment with them!



4. MetLife

MetLife is the perfect insurance for German Shepherds and dogs of all breeds! 

With their family plan, you can worry less, knowing that all your pets are covered under one policy

They have the shortest wait period compared to other pet insurers, meaning you’re covered fast when you need it most. 

Their coverage covers all details, big and small, to give you peace of mind regarding your four-legged family members, including accidents, illnesses, hospitalizations, surgeries, diagnostic tests, exam fees, and cruciate ligaments

Additionally, they offer optional wellness coverage for routine checkups and vaccines for a complete package. Plus, they even provide grief counseling options in case of a beloved pet’s passing. Get the protection your pup deserves with MetLife!



5. Pets Best

MetLife is a great insurance option for German Shepherds, as it offers coverages tailored to the specific needs of these active, high-energy dogs. 

From providing coverage for accidents such as broken bones or emergency surgeries to illnesses such as diabetes and allergies, MetLife offers peace of mind by ensuring you can take care of your pup without breaking the bank. 

With four customizable coverage plans, which include the option for accidents and illnesses with up to 80% reimbursement, you can get exactly what you need to protect your pup from anything life throws at them. 

Plus, MetLife covers routine pet care, so you won’t have to worry about paying for yearly check-ups or vaccinations — now that’s a load off! And best of all, MetLife offers competitive prices and customizable plans so you can pick the one that works best for your pup’s specific needs.



Tips On Finding The Top Insurance Plan For Your German Shepherd

Shopping for the right insurance plan for your German Shepherd can be a bit overwhelming, but following some simple tips can make finding the best plan easier. 


  1. To start, consider comparing multiple plans and doing research on each one to gain an understanding of their coverage and exclusions
  2. Ensure to check how much each policy covers in vet expenses, the reimbursement limits, and the age limits on coverage. 
  3. Read reviews online to get an idea of customer satisfaction rates and look into the overall financial stability of the insurance company. 
  4. Additionally, ensure no waiting periods are associated with any policies and always clarify terms before finalizing a plan. 
  5. In addition, assess each potential plan’s coverage limits, customer service responsiveness, and claims filing process. 
  6. You should also ascertain what activities are excluded from coverage —- some plans exclude activities like running or swimming which may limit how active your shepherd can be. 


Doing these things will help you understand what type of coverage you will receive while reducing the stress associated with shopping around for insurance plans.

Wrap Up

In conclusion, if you’re an owner of a German Shepherd, then you definitely need to take the time and research your options in insurance. 

Embrace is one of the best out there, providing coverage for your pet from nose to tail. 

Embrace provides coverage for accidents and illnesses and has a great bundled package that will give you coverage if you have some pre-existing diseases or inherited disorders

Do some research on Embrace today to make sure that your loyal German Shepherd has the best protection available.

People Also Asked

Pet insurance is a smart choice for any pet owner, and German Shepherds benefit from the extra protection pet insurance provides. With coverage for vet visits and emergency services, you can be sure that your furry companion is well taken care of in case of any accident or health issue.

While German Shepherds can be lovely, valued family members, some insurance companies may consider them a “riskier breed.” As such, it is possible to find yourself facing higher premiums or even be denied homeowners insurance altogether. However, some insurers are familiar with this breed and place less emphasis on their label.

When it comes to insurance for your four-legged best friend, the best type of dog insurance covers medical and wellness care. This gives you peace of mind knowing that any unexpected vet bills or expenses related to preventative care are taken care of without breaking the bank.