Best Pet Insurance For German Shorthaired Pointers In 2024

German Shorthaired Pointers, cherished for their affable demeanor and keen intelligence, are popular versatile hunting breeds. Originating from Germany, they excel as adept pointers and retrievers due to their sharp instincts. With a short coat that is typically liver, they exhibit a distinct appearance and strong build.

Energetic and sociable, German Shorthaired Pointers thrive in active households and relish outdoor activities, especially hunting and fieldwork. Their exceptional sense of smell and natural affinity for water make them outstanding hunting companions. As loyal and devoted companions, German Shorthaired Pointers form strong bonds with their owners, displaying affectionate and eager-to-please behavior. Renowned for their energetic disposition and versatility, German Shorthaired Pointers continue to be adored worldwide for their hunting prowess and endearing nature.

If you own a German Shorthaired Pointer, you’re undoubtedly concerned about its health and well-being. As a pure breed, a German Shorthaired Pointer is more likely to suffer from genetic health issues than mixed-breed dogs. Unfortunately, 4 out of 5 pet parents can’t pay for an unexpected $500 veterinary bill out-of-pocket. However, pet insurance will help you reduce your financial risk.

In this review, we’ll look at some of the top pet insurers for German Shorthaired Pointers and help you pick the policy that best meets your needs. You’ll find that pet insurance is much like personal health insurance; it provides better treatment options and limits out-of-pocket costs. But unlike private health insurance, it won’t cost you an arm and a leg.

Common Health Issues For German Shorthaired Pointers

Purebred dogs, including German Shorthaired Pointers, are often susceptible to various health problems. Unfortunately, breeding practices for German Shorthaired Pointers have sometimes overlooked genetic considerations, leading to health issues within the breed. Generally, German Shorthaired Pointers are more prone to genetic health problems compared to some other breeds.

These are some of the most common health issues for German Shorthaired Pointers:

• Hypothyroidism
• Ear Infections
• Allergies
• von Willebrand’s Disease (vWD)
• Canine Epilepsy
• Osteochondritis Dissecans (OCD)

Hypothyroidism:

Hypothyroidism, a prevalent endocrine disorder in German Shorthaired Pointers, involves an underactive thyroid gland, disrupting metabolic processes. This condition can lead to weight gain, lethargy, skin issues, and altered behavior. Regular veterinary screenings and lifelong medication management are essential to regulate thyroid levels, improving the affected dog’s overall health and energy levels. With proper care and treatment, German Shorthaired Pointers with hypothyroidism can maintain a healthy weight and enjoy an active, fulfilling life.

The cost of treating hypothyroidism in dogs can range from $500 to $1,000 per year, depending on the severity and the type of treatment required.

Ear Infections:

German Shorthaired Pointers are susceptible to ear infections, often linked to their floppy ears and active outdoor lifestyle. Signs of ear infections include ear scratching, head shaking, and a foul odor. Routine ear cleaning, keeping the ears dry, and timely veterinary care for infections are crucial to prevent chronic issues and maintain optimal ear health. By managing their ear health, owners can ensure that their German Shorthaired Pointers have good hearing and a comfortable, infection-free experience throughout their lives.

The cost of treating ear infections in dogs can range from $100 to $500, depending on the severity and the type of treatment required.

Allergies:

Allergies are common health issues in German Shorthaired Pointers, manifesting as skin irritation, itching, redness, and digestive problems. These allergies can be triggered by certain foods, pollen, dust mites, or other environmental factors. Identifying and avoiding allergens, making appropriate dietary adjustments, and following the prescribed medical treatment by a veterinarian are crucial for effectively managing allergies in German Shorthaired Pointers. By addressing this health concern, owners can significantly enhance their German Shorthaired Pointer’s comfort and well-being, allowing them to lead a healthy and happy life.

The cost of treating allergies in dogs can range from $500 to $2,000 per year, depending on the severity and the type of treatment required.

Von Willebrand’s Disease (VWD):

Von Willebrand’s Disease, an inherited bleeding disorder in German Shorthaired Pointers, affects the blood’s ability to clot properly. This condition can result in prolonged bleeding after injuries or surgeries. Regular monitoring, careful management, and avoidance of situations that may cause injury are important to maintain the affected dog’s health and safety. While there’s no cure, with appropriate precautions and veterinary guidance, German Shorthaired Pointers with VWD can lead relatively normal lives and receive necessary care in case of bleeding incidents.

The cost of treating VWD in dogs can vary significantly depending on the severity and the type of treatment required. Blood transfusions, medications, and ongoing monitoring may be necessary, resulting in costs ranging from $1,000 to $5,000 or more.

Canine Epilepsy:

Canine epilepsy is a neurological disorder seen in German Shorthaired Pointers, characterized by recurrent seizures. These seizures can vary in intensity and duration. While the cause is often unknown, management involves antiepileptic medications to control and reduce the frequency and severity of seizures. Regular monitoring by a veterinarian and adjusting the medication as needed are vital to ensure the affected German Shorthaired Pointer’s overall well-being and quality of life, allowing them to live comfortably and manage this condition effectively.

The cost of treating canine epilepsy can range from $200 to $2,000 per year, depending on the severity and the type of treatment required. This includes the cost of medications, diagnostic tests, and ongoing monitoring.

Osteochondritis Dissecans (OCD):

Osteochondritis Dissecans (OCD) is a developmental orthopedic condition common in young German Shorthaired Pointers, involving abnormal cartilage growth in the joints. This can cause pain, lameness, and joint stiffness. Early diagnosis through X-rays and appropriate treatment, which may include surgery and physical therapy, is essential to manage the condition effectively. With proper care and intervention, affected German Shorthaired Pointers can lead active lives, mitigating discomfort and maintaining their mobility and vitality.

The cost of treating OCD in dogs can vary depending on the severity and the type of treatment required. Surgical options may range from $1,000 to $4,000 or more, while non-surgical management may cost $500 to $1,000

Average Cost Of Pet Insurance for German Shorthaired Pointers

Average Cost Of Typical Vet Procedures

Average Cost Of Emergency Vet Procedures

Is Pet Insurance Worth It For German Shorthaired Pointers?

Pet insurance protects against unexpected veterinary bills. Many pet owners pay out-of-pocket for their pet’s medical expenses, but most Americans can’t afford a $1500 emergency vet bill. The right pet insurance can literally be a lifesaver. Having coverage will give you the freedom to make medical decisions for your furry family member based on the quality of life, not finances.

The value of pet insurance is largely based on your expectations. If your pet is currently undergoing treatment for a chronic condition and you would like help with the cost of the treatment, you will likely be disappointed as no company in our review covers preexisting conditions.

But, if you understand your policy and what it does and doesn’t cover and have a policy that fits your budget and needs, you are far more likely to consider the policy worth it

How To Find The Best Pet Insurance Company For You

The costs and types of pet insurance plans available on the market vary by company, making choosing one over the others challenging. To find the best plan for your pet, consider these tips before applying for coverage:

Check Whether Your Pet Is Eligible

Puppies and kittens often must be a minimum of 6 to 10 weeks old to be insured, depending on the company. Senior pets may not be eligible for first-time enrollment with some companies, or they may qualify for accident coverage only. Once the pet is enrolled, though, most plans will offer coverage for life as long as you continue paying the premiums.

Research What’s Covered

Pet insurance plans typically cover expenses like surgery, hospitalization and medication if your pet gets sick or hurt. However, there are certain things that some companies charge extra for or won’t cover at all. Here are a few examples:

• Exam fees. Say your dog breaks her leg. Some plans will reimburse expenses like X-rays,  surgery and pain medication, but not the vet’s exam fee.
• Alternative treatments and rehabilitation. Some companies include coverage for things like acupuncture and physical therapy in their standard plans. Others charge extra.
• Behavioral therapies. Not all policies cover veterinary treatment for aggression or other behavioral issues.
• Prescription food. Certain plans won’t cover food or supplements at all, even if your vet prescribes them for a covered condition.
• Dental care. Pet insurance plans vary widely when it comes to caring for your pet’s teeth. For example, your policy may not cover dental illnesses such as gingivitis or periodontal disease. Alternatively, it may cover them only if your pet has had a recent tooth cleaning. Some add-on wellness plans pay for cleanings.

Note that pet insurance policies usually won’t cover pre-existing conditions, cosmetic procedures, or breeding expenses.

Decide How Much Coverage You Want

Most pet insurance plans cap the amount they pay out per year, although some have no annual limit. Only you can decide the amount that gives you reasonable peace of mind for paying vet bills.

If your dog or cat is relatively healthy, you might go years without paying for anything but routine care. But an unexpected surgery or serious illness could add up to thousands of dollars in expenses.

Understand Reimbursements And Deductibles

Most pet insurance plans reimburse you for a percentage of your vet bill. You can generally choose a reimbursement level — such as 70%, 80% or 90% — when you buy the plan.

Other plans pay what the insurance company deems a standard fee for a given treatment, which might be less than what your vet charges. You’d be responsible for the remainder.

Most plans also have a deductible — the dollar amount you pay out of pocket before the policy pays. You can usually choose from a range of deductibles, such as $100, $250, or more. Some plans apply deductibles to each injury or illness that’s treated. Most have you pay the deductible every year.

Generally, the lower your out-of-pocket costs are, the more you’ll pay for coverage. A lower deductible and higher reimbursement rate can lead to a higher premium, while a higher deductible and lower reimbursement rate can mean a lower premium.

Check Waiting Periods

Most plans include short waiting periods after you purchase the policy for general accident and illness coverage, such as 14 days. Your plan won’t pay for any treatment during the waiting period.

Some plans include longer waiting periods for coverage of certain conditions, such as cruciate ligament injuries — a common orthopedic problem for dogs. The cruciate ligaments help stabilize the knee; when injured, it can make it difficult for a dog to walk.

Examine Extra Costs

Some pet insurance companies offer coverage for routine services such as well visits and vaccinations. While this may sound tempting, do the math to determine whether it’s worth the extra cost. Compare the annual price of the wellness insurance plan with the amount you’d pay each year on your own for services the plan covers. Read the details because the items covered for “wellness” vary by pet insurance company.

Compare Quotes

The cost of insurance varies by carrier and the amount of coverage. Some pet insurers offer discounts; you might be able to save money by insuring more than one pet, for example. But a discount doesn’t guarantee the plan is the best deal.

The only way to find the best insurance for your pet is to dig into the details and get quotes for several plans. Make sure you’re making a fair comparison with similar coverage amounts, deductibles, and reimbursement limits.

Factors That Impact Cost Of Your Pet Insurance Policy

Similar to your health insurance plan, your pet insurance price is going to vary depending on certain factors, such as:

• Where you live. Pet insurance companies take the cost of vet care in your area into account when pricing your policy.
• Your pet’s age. Because older animals are more likely to have health problems, their premiums are generally higher.
• Your pet’s breed. Certain breeds are more prone to health issues. For example, bulldogs and Boston terriers often develop breathing problems, while German Shepherds and other large breeds are more likely than others to get hip dysplasia. These potential problems may be reflected in the cost of your pet insurance plan.
• Your deductibles, coinsurance and coverage limits. The less you’re willing to pay out of pocket for your pet’s care, the higher your pet insurance premium will be. For instance, choosing a $100 deductible instead of a $500 one means your plan will start reimbursing you sooner for your pet’s care — but it’ll cost you more in premiums.