Pet Insurance for German Pinscher

Find out all about German Pinschers and their common health conditions, and then compare pet insurance options from some of Australia’s leading insurers.

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, updated on September 29th, 2023       

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Price range

$2,000 –$3,000


43cm - 48cm


14kg - 20kg


Energetic, fearless, alert

Coat length

Short, smooth

Exercise needs



Can be

Life expectancy

12 - 15 years

German Pinscher


The German Pinscher is a medium-sized, short-haired dog that originated in Germany. It is believed to have descended from a now-extinct breed of dog called the Rattenfanger. This was a small, agile dog that was used to catch rats and other vermin. In the 19th century, the Rattenfanger was bred with other terriers such as the Black and Tan Terrier to create the German Pinscher. 

German Pinschers are medium-sized dogs, typically weighing between 14kg and 20kg. They have a short, smooth coat that can be black with tan markings, red, or fawn. Their smooth relatively low-shedding coat is easy to care for and only requires occasional brushing. German Pinschers also have a muscular build and a sleek, athletic appearance. They are known for their intelligent and trainable nature and their affectionate and loyal personalities. German Pinschers can be trained for a variety of tasks, including guarding property, obedience, agility, and tracking. 

Common diseases and conditions of German Pinschers

  • Hip dysplasia: Hip dysplasia is a developmental condition that affects the hip joints. It can cause pain, lameness, and arthritis.
  • Patellar luxation: Patellar luxation is a condition in which the kneecap (patella) dislocates from its normal groove. This can cause pain, lameness, and arthritis.
  • Cataracts:Cataracts are a clouding of the eye lens that can lead to blindness. 
  • Von Willebrand's disease:Von Willebrand's disease is a blood clotting disorder that can cause excessive bleeding. 

Breed-specific issues: 

The confident and energetic nature of German Pinschers means they need lots of playtime and exercise, and they need a strong pack leader. They may not be the best choice for first-time dog owners. Due to their strong prey drive, they should not be trusted with smaller pets including rabbits, guinea pigs or cats.   

How much does pet insurance cost for a German Pinscher?

Most Australians can expect to pay between $20 and $60 a month for pet insurance. There are many factors that can influence the cost of pet insurance for your dog, which is why it's important to compare pet insurance policies. Factors affecting the cost of your insurance include: 

  • Age: The older your dog is, the more pet insurance is likely to cost. This is because senior dogs tend to have more physical health conditions and illnesses due to age, and so present a higher insurance risk.    
  • Type of insurance you choose:  There are three basic types of pet insurance available in Australia; accident-only, accident and illness, and comprehensive insurance. An accident-only policy is the cheapest type of insurance available, with comprehensive coverage costing the most.  
  • The policy annual limit: Each pet insurance policy has an annual limit, which is the maximum amount that will be paid out on the policy in one financial year. Annual limits range from around $10,000 up to $25,000 or more.   
  • Sub-limits: In addition to an annual limit, there may also be sub-limits that apply to the policy, for example, a $300 sub-limit for consultation fees, or a $5,000 limit for cruciate ligament conditions.   
  • Benefit percentage: Pet insurance does not cover 100% of the cost of your vet bill. Instead, it may pay a percentage of the total bill. This can range from 50% for cheaper policies, up to 90% for the best policies available.   
  • Excess amount: This is the amount you’ll need to pay out-of-pocket each time you make a claim on your policy. Some pet insurance policies do not come with an excess amount, whilst others do.  
  • Any add-ons you choose: It’s possible to add on more cover options to a basic policy, such as emergency boarding fees, routine care and dental care. These add-ons extend the scope of your pet insurance, but do increase the overall cost of the policy.  
  • Discounts: some insurers offer discounts of between 5% and 15% if you have multiple pets insured together, if you pay your premium annually, or if you bundle your pet insurance with other forms of insurance with the same company.
  • Gap-only insurance options: Some insurance companies offer a gap-only insurance option, which means when you go to the vet you'll only be required to pay the gap amount, not the cost of the whole bill. This is similar to the Medicare system of health insurance for humans in Australia, where gap payments can be made at HICAPS terminals at the time of treatment. 

Types of pet insurance you can choose from

Why compare pet insurance with Savvy?

Common questions about German Pinschers

Is a German Pinscher the same as a Doberman?

No, although these two breeds may look similar in some ways, they are not the same dog. German Pinschers are typically 43cm to 48cm tall, whereas Dobermans are much larger, on average 61cm to 72cm tall at their shoulder. In addition, the Doberman comes in a wide variety of colours, and has a different personality to the German Pinscher.  

What’s the difference between a German Pinscher and a Miniature Pinscher?

Surprisingly, a Miniature Pinscher is not a scaled-down version of a German Pinscher. The Miniature Pinscher is thought to be a cross between a Dachshund and an Italian Greyhound, used as a ratting dog since the 1600s. The German Pinscher, on the other hand, originated from two older (now-extinct) breeds in the 1200s and 1300s. 

Are German Pinschers aggressive? 

German Pinschers are generally not aggressive dogs, but they can be territorial and protective of their family and home. It is important to socialise them from a young age and to train them to be obedient and loving family pets. 

Do German Pinschers make good guard dogs?

Yes, they make excellent guard dogs as they are energetic, alert and intelligent dogs. They have a strong-willed and assertive streak and will not hesitate to protect their family and property.  

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German Pinscher

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