Miniature Schnauzer parents across the country understand that accidents and illnesses are a natural part of every dog’s life. And since urgent veterinary care fees can be expensive, pet owners seek the financial safety net of insurance. With the right pet insurance policy, you will have the comfort of knowing that your Mini can always get the care they need, regardless of cost. We know that you adore your dog, so we have researched and ranked the best pet insurance companies for Miniature Schnauzers.
Table of Contents
5 Best Pet Insurance for Miniature Schnauzers (2025 Reviews)
5 Top Pet Insurance Companies Compared for Miniature Schnauzers
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1
Best overall
![Lemonade]()
4.9Our scoreAverage price for
Miniature Schnauzers $24.08/moReimbursement amount 90%Annual benefit $20,000Lemonade features the overall best Miniature Schnauzers pet insurance plan at the most competitive rates
Claims can be paid in under 60 seconds via their world-class app. I was blown away by how quickly they approved my claim and how much they paid
Lemonade is a certified B-corp that donates a significant portion of their unclaimed premiums to pet parents’ preferred non-profit organizations
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2
Best for wellness
![Wagmo]()
4.7Our scoreAverage price for
Miniature Schnauzers $56.43/moReimbursement amount 90%Annual benefit $20,000They are one of the few companies that reimburse up to 100% of veterinary costs and provide quick reimbursements
Wagmo’s top-notch wellness plans extend coverage to include your pet’s routine and preventative care
Wagmo offers instant coverage for cats and dogs in all 50 states, regardless of their age, breed, or any health conditions (with some limitations)
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3
Best live vet support
![Figo]()
4.6Our scoreAverage price for
Miniature Schnauzers $47.03/moReimbursement amount 90%Annual benefit $5,000Figo provides free 24/7 telehealth services to Miniature Schnauzers owners with licensed veterinarians and other essential professionals on call
Their pet records app and real-time claims tracker are easy and intuitive to use
Figo covers most ‘curable’ pre-existing conditions as long as the pet has been symptom-free for 12 months since their last treatment
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4
Best for pre-existing conditions
![Pawp]()
4.5Our scoreAverage price for
Miniature Schnauzers $24/moReimbursement amount 100%Annual benefit $3,000Pawp allows you to protect up to 6 pets under one membership regardless of age or pre-existing conditions
Pawp membership gives Miniature Schnauzers pet parents access to an annual one-time use $3,000 Emergency Fund to cover unexpected accidents or illnesses
Pawp does not require copays, credit checks or deductibles
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5
Best established brand
![Embrace]()
4.3Our scoreAverage price for
Miniature Schnauzers $40.32/moReimbursement amount 90%Annual benefit $5,000With Embrace’s “Healthy Pet Deductible,” your annual deductible drops by $50 every year you do not get reimbursed for a claim
Embrace has an easy-to-use claims portal and paid 92% of claims in 2021
Their Wellness Rewards is one of the most flexible preventative care plans available, offering a whole host of benefits, including training and grooming
Based on our personal experience and countless hours of research, we’ve found Lemonade Pet Insurance offers the ideal balance between coverage and unbeatable prices.
FAQs about Miniature Schnauzer Pet Insurance
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1. How much does pet insurance cost for Miniature Schnauzers?
Miniature Schnauzer insurance premiums can run anywhere from $24 to $63 per month. Several factors are used to calculate rates, such as your dog’s age, breed, medical history, and your state’s average cost of veterinary care.
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2. What does pet insurance typically cover for Miniature Schnauzers?
Pet insurance varies from one provider to the next, but you can expect that all illnesses and accidents considered sudden and disastrous will fall under coverage. In these instances, reimbursed care includes physical exams, tests, other diagnostic procedures, medications and surgery.
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3. Can I cancel my Mini’s insurance plan after I make a claim?
You are free to cancel your Miniature Schnauzer’s plan whenever you want. Check with your insurance provider to find out whether it can be done over the phone or must be done in writing.
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4. Do pet insurance companies cover spaying and neutering?
Pet insurance companies do not cover either of these operations. However, if your Mini needs to be spayed or neutered, Embrace has a wellness plan add-on that will cover it.
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5. Does the cost of insurance increase as my Mini ages?
It is normal for pet insurance rates to increase as your Miniature Schnauzer ages, and the rate jumps become most significant once your dog turns 4 or 5. Pet insurance providers do this to mitigate the heightened risk of your Mini getting ill or developing a chronic condition as they get older.
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6. Which companies cover pre-existing conditions?
Pet insurance companies typically do not cover pre-existing conditions. That said, there are a few that do, and Pawp is the best, especially in Emergencies. Embrace also does so but on a significantly more limited basis. We encourage all Mini owners to reach out to these companies to gain further insight into what their coverage includes and excludes. The upshot is that even if your Miniature Schnauzer has a pre-existing condition, they will still be eligible for coverage.
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7. Is pet insurance worth it for Miniature Schnauzers?
Pet insurance is worth it for Miniature Schnauzers because, like all dogs, they will inevitably face medical emergencies at some point in their lives.
A disorder prevalent in Minis is a birth defect known as portosystemic shunt (PSS). This occurs when blood flow to the liver takes a “shortcut” and does not follow the usual channels. Since the liver is supposed to filter blood, this shortcut means toxins are not being removed, eventually resulting in neurological dysfunction. The best remedy for PSS is surgery, which costs up to $12,000.
Another condition that Minis suffer from is cataracts, in which a milky film-like substance forms over the eyeball. Cataracts block light from entering the eye and, if left untreated for too long, will lead to your Miniature Schnauzer going blind. Surgery is the only real solution for cataracts and can easily run as high as $4,000.
Pet insurance will help offset these painfully expensive procedures so that you can ensure your dog’s well-being without suffering financially.
More Details About Pet Insurance for Miniature Schnauzers
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1. Lemonade
(Best overall)
Why it’s great: Lemonade gives Miniature Schnauzer parents affordable rates, discounts for insuring multiple pets, and comprehensive coverage for accidents and illnesses. They also feature a user-friendly claim-filing system on their world-class mobile app. Moreover, they have one of the shortest accident waiting periods of only 2 days. And those who pair their dogs’ insurance with homeowners’ or renters’ insurance from Lemonade will receive a discount.
Keep in mind: You may need to submit veterinary documentation to get an active policy if your Miniature Schnauzer has a history of pre-existing conditions.
Good for: Most Minis, especially the young and healthy ones.
Average price for Miniature Schnauzers: $24.08/month
![Lemonade]()
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2. Wagmo
(Best for wellness)
Why it’s great: After you meet your annual deductible, Wagmo reimburses up to 100% of vet fees for the rest of the policy year, thereby encouraging preventative care. They also have a reputation for issuing speedy reimbursements via direct deposit, PayPal or Venmo. Another benefit of their coverage is that Miniature Schnauzer parents will get to take their dogs to any veterinarian of their choice, and they will receive a discount if they renew their policy without any claims in the previous year.
Keep in mind: Mini owners who need insurance that covers a balanced mix of both emergency and wellness-related care.
Good for: Miniature Schnauzer owners who desire a balanced mix of wellness and emergency care from their pet insurance provider.
Average price for Miniature Schnauzers: $56.43/month
![Wagmo]()
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3. Figo
(Best live vet support)
Why it’s great: Figo gives dog parents added peace of mind with complimentary 24/7 veterinary support through their mobile app. They also offer unlimited lifetime benefits with all of their pet health plans, which means your dog will remain covered irrespective of how pricey their care may become over the years. Furthermore, Figo’s wellness plans cater to various needs, including one that allows for up to $250 in prescription food. Lastly, their quick claim review process averages less than 3 days, meaning Miniature Schnauzer owners get reimbursed sooner rather than later.
Keep in mind: Pre-existing conditions do not fall under coverage.
Good for: Mini parents who value having 24/7 televet services included with their insurance policy at no extra charge.
Average price for Miniature Schnauzers: $47.03/month
![Figo]()
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4. Pawp
(Best for pre-existing conditions)
Why it’s great: Pawp ranks best for covering pre-existing conditions because they provide pet parents with an emergency fund to protect as many as 6 pets, of any age, breed or health condition, within a household for a flat fee of $24/month. Furthermore, they do not have copays, credit checks or deductibles. And with Pawp, you do not need to file claims and wait to be reimbursed. Instead, they will pay the bills for any approved emergencies before you and your Mini finish at the vet clinic.
Keep in mind: The fund extends coverage only to qualified emergencies as determined by Pawp’s virtual team of vets. It also only pays for a single vet bill under $3,000 for one of your pets per year.
Good for: Miniature Schnauzers that are older or have pre-existing conditions. May make a good supplement for a standard pet insurance policy.
Price: $24/month
![Pawp]()
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5. Embrace
(Best established brand)
Why it’s great: Embrace offers pet owners several advantages, including multiple pet discounts, uncapped lifetime benefits and diminishing deductibles. With the latter, your deductible will drop $50 each time you renew your policy without reimbursements the previous year. Embrace’s optional wellness package extends coverage to new-age, holistic treatments such as reiki, chiropractic, acupuncture and massage therapy.
Keep in mind: The wellness plan has a maximum claim total of $650 per year. Should any of those funds go unused, they will be forfeited.
Good for: Miniature Schnauzer parents who want to have alternative
veterinary care covered by insurance.Average price for Miniature Schnauzers: $40.32/month
![Embrace]()
Best Overall
Lemonade
Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider for Miniature Schnauzers and they also offer the best value.
Conclusion
By reading this article, we hope you gathered all the information you need to determine the best pet insurance for your Miniature Schnauzer. Pet insurance helps reduce the financial stress that often comes with veterinary emergencies, allowing you to get your dog life-saving treatments and procedures whenever they may need them. Pet health plans can also provide added support for routine care and wellness. With the right pet insurance policy, your Mini will be able to live a more healthy and vibrant life and share many fun-filled years with you.
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