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Top 9 Pet Insurance Plans For Miniature Pinschers (2022)

Written by: Kelli Brinegar
For more than five years, Kelli Brinegar has been using her ability to write and her passion for research to tell the tale of what cats are thinking and why. She has provided care to more than 30 cats in her lifetime.Read more
| Published on June 9, 2022
iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.

The Miniature Pinscher may be a small dog, but inside that little body beats a big ol’ heart full of love and spunk! With so much personality, it’s no wonder the breed is called the King of Toys. And because one of these majestic pups rules your world, you do all the right things to keep Their Majesty as healthy and happy as possible. You feed your pup the best foods, choose the most fun toys, and only buy the comfiest beds. As a responsible dog parent, you also take your dog to annual vet appointments and stay on top of any changes in their health. Happy, healthy, and well-protected—that’s the name of your parent game!

And one more way to keep your pup protected is a quality pet insurance plan tailored to your dog’s specific needs. While the Min Pin is a well-established and sturdy breed, these little dogs can experience big health problems. Issues like joint problems, heart disease, epilepsy, and Mucopolysaccharidoses can bring woes to your wallet and your heart. Treating any of these problems can get expensive, but you can be financially prepared to fend off whatever comes with pet insurance, leaving you to concentrate on your pup’s wellbeing. To help you find peace of mind and the best pet insurance plan for your Miniature Pinscher, we’ve created a free and easy-to-use comparison tool to simplify the insurance quest.

Compare The Top 9 Pet Insurance Plans for Your Miniature Pinscher Using our Free No-Obligation Quote Tool below

The simplest way to compare pet insurance prices is to use our tool below. The comparison tool will show you quotes from the top 9 pet insurance carriers, including Trupanion, Pets Best, Lemonade, ManyPets, FIGO, HealthyPaws, Prudent Pet, Spot, and Embrace pet insurance.

How Much Does Pet Insurance for a Miniature Pinscher Cost?

Below are some sample pet insurance plans for a 1-year-old male Miniature Pinscher using the zip code 75001 (Texas) as an example.

Ultimately, your plan’s premium will depend on several factors, including your dog’s age, size, and breed, as well as where you live. You also want to know what type of coverage your plan has and if it will help with Miniature Pinscher-specific health problems. Let’s get more into those medical conditions and how much you can expect to pay to treat them.

pet insurance for miniature pinschers

Common Health Problems Associated With Miniature Pinschers

Luxating Patella

A genetic condition common in many toy breeds, including Miniature Pinschers, a luxating patella is the medical term for a dislocated kneecap. It can appear on one or both back legs. The severity of a slipping kneecap can range, but it can cause arthritis and other mobility issues in the long run. Signs of a loose or dislocated knee cap can show as limping, skipping a step, and even a locked knee joint. 


Miniature Pinschers are genetically predisposed to seizures, but the exact cause behind them is unknown. Seizure episodes that repeatedly happen without a primary cause are referred to as idiopathic epilepsy. Epileptic episodes happen suddenly, often without warning, and can last from a few seconds to minutes. There are different types of seizures, but symptoms can appear similar, with confusion, twitching, blinking, drooling, and behavior changes or bodywide stiffening that comes with rapid jerking movements.

Mitral Valve Disease

The number one cause of death in older Miniature Pinschers is heart disease. And while many different factors, from genetics to environmental ones, can bring about heart problems in Min Pins, Mitral Valve Disease seems to be one of the more prevalent heart issues in this little dog breed. The mitral valve is one of the heart’s valves that keeps blood flowing in the right direction. When disease sets into the heart valves, blood flow problems can occur. These problems can lead to heart failure and should be vet-managed. Mitral valve disease is a common heart problem and occurs in eighty percent of the ten percent of dogs classified as heart patients, with the Miniature Pinscher being one of the more affected breeds.

Legg-Calve-Perthes Disease

An issue typically found in smaller dog breeds, Legg-Calve-Perthes Disease occurs when the femur head turns necrotic and dies. The disease leads to pain and restricted mobility. This problem can occur from trauma or genetics, as it does within Min Pins.


A genetic anomaly that creates a host of problems in afflicted dogs, Mucopolysaccharidoses can result in dwarfism, bone and joint diseases, facial deformities, oversized liver and tongue, cardiovascular issues, cloudy eyes, and more. This metabolic disease is painful and challenging to manage due to errors in the body’s production and storage of certain enzymes.

Typical Costs Of Treating Health Issues In Miniature Pinschers and How Pet Insurance Can Help

Taking your dog to the vet for annual visits is a bill you expect. But when the vet discovers a problem or emergency strikes, medical bills can stack up fast. With the right pet insurance plan for your Miniature Pinscher, you’ll be financially ready to deal with any bills, leaving you to concentrate on your best friend’s recovery.

Take a look at what it costs to treat the Min Pin health problems mentioned above:

  • Patellar Luxation Costs: Your vet may recommend surgery for severe cases, and orthopedic surgery for a Min Pin can range from $1,000 to $5,000. And this cost doesn’t include physical therapy and follow-up treatments. In a situation like this, having a pet insurance plan for Miniature Pinscher can take the financial pressure off, knowing your pup needs surgery and remove the shock a huge bill can bring.
  • Epilepsy Costs: Because epilepsy isn’t a cut-and-dry condition to diagnose, your vet might perform a full batch of tests like bloodwork, a CT scan, or even an MRI, which can create bills of $2,500 to $5,000 depending on where you live. Once a treatment plan has been established, prescription meds can cost $200 to $5,000 a year. And while your Min Pin adjusts to their meds, you may be required to do blood tests every month before moving to a twice-yearly process. Between diagnosis, treatment, and vet maintenance, epilepsy is pretty pricey to treat. Pet insurance can help maintain your finances by cutting test and prescription costs when dealing with this tricky but common health problem that troubles Minature Pinschers.
  • Mitral Valve Disease Costs: To diagnose heart disease in dogs, vets will turn to X-rays, electrocardiograms, and echocardiograms, and this cardiac examination could cost an estimated $1,000. And though mitral valve disease in dogs can lead to eventual heart failure, heart medications can help slow deterioration. Your vet might prescribe quite the cocktail of medicines to manage heart disease, including ACE inhibitors, diuretics, nitroglycerin, vasodilators, and beta-blockers. These vital heart medications could run anywhere from $50 to $200 per month. Pet insurance plans for Miniature Pinschers that offer prescription coverage can save you big when your dog requires lifelong medication to help its heart.
  • Legg-Calve-Perthes Disease Costs: Treatment for this painful bone disease involves surgery to remove the withered femur head and some of the bone neck. A femoral head removal surgery can cost between $1,000 to $4,000, depending on your location. If your Miniature Pinscher develops Legg-Calve-Perthes Disease, having pet insurance will mean you can afford the expensive surgery that treats pain without hurting your bank account.
  • Mucopolysaccharidoses Costs: Diagnosing this metabolic issue requires much testing, including imaging scans, DNA testing, bloodwork, lymph node biopsies, and tissue samples, with this full workup easily costing $1,000. This estimate is extremely low as biopsy surgeries get more expensive when the collection becomes more involved. There is currently no cure for Mucopolysaccharidoses, but dogs diagnosed early can see improvement after bone marrow transplants, costing roughly $15,000. Intravenous Enzyme Replacement Therapy (ERT) is also used, typically in the first year of life, creating bills of $1,000 and likely more. Management of Mucopolysaccharidoses will be lifelong, and, in some cases, families may not have the funds for treatment, leading to heartbreaking decisions. However, having a pet insurance plan for your Miniature Pinscher before such a devastating diagnosis could mean the difference between life and death.

Related: 8 Best Orthopedic Dog Beds (+1 to Avoid)

What Is Pet Health Insurance, And Why Do I Need It For My Miniature Pinscher?

Pet health insurance works very similarly to human health insurance. Yo r policy quote will range in monthly price, depending on your dog’s breed, age, and where you live. Typically, you’ll spend around $15-$56 per month as a pet parent.

Pet insurance is mainly about peace of mind, knowing you won’t be totally overwhelmed in case of an emergency. Enrolling even when your dog is young and healthy will ensure you have plenty of coverage when they need expensive medical care later. If you choose a plan more suited to your dog’s particular breed, you’ll be more prepared when something happens later in life.

pet insurance for miniature pinschers

Some plans cover accidents and illnesses, while others only cover accidents. Certain plans do cover breed-specific illnesses, and others do not. It all depends on what type of coverage you choose. With our free pet insurance comparison tool, you can get quotes from multiple insurance companies with no obligation to commit.

Whatever plan you choose, you’ll feel better knowing you can take care of your dog when they need you most. Plus, you won’t suddenly have to shell out thousands of dollars. Learn more about how pet insurance works here.

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