Pet Insurance for German Spitzes

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

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, updated on September 28th, 2023       

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Price range

$1,500 – $3,000


23–30 cm (Mittel); 18–23 cm (Klein)


4–7 kg (Mittel); 3–4 kg (Klein)


Alert, intelligent, loyal

Coat length

Medium-long, double coat

Exercise needs

Moderate to high



Life expectancy

12–15 years

German Spitz


The German Spitz boasts a lineage steeped in history, stretching back several centuries. Sharing their ancestry with breeds like the Samoyed and Finnish Lapphund, the dogs are distinguished by their fox-like features such as pointed ears and a curled tail.

Originally working dogs on farms, performing various tasks such as herding and guarding, over time, selective breeding led to the development of different Spitz lines, ultimately resulting in the creation of smaller companion dogs we know today. Among these, two distinct sizes emerged: Mittel and Klein. While Mittels are larger and more robust, both varieties share common attributes, including in their appearance and disposition.

German Spitzes are known for their alert and charming demeanour and have endeared themselves to dog enthusiasts around the world. Loyal and affectionate companions, they thrive in various living arrangements, from spacious homes to more compact urban settings.

Common diseases and conditions of German Spitzes

  • Patellar luxation: a condition where the kneecap dislocates from its normal position, causing lameness and discomfort.
  • Progressive retinal atrophy (PRA): a degenerative eye disease that can eventually lead to blindness.
  • Epilepsy: a neurological disorder characterised by seizures, which can vary in frequency and severity.

Breed-specific issues:  

German Spitzes have a strong independent streak that can sometimes be mistaken for stubbornness, so consistent and patient training methods are crucial. Additionally, their intelligence demands mental stimulation to prevent boredom, which can lead to unwanted behaviours like excessive barking or destructive chewing. These dogs are known for their loyalty and affection towards their families, but they can be wary of unfamiliar people or situations. Proper socialisation and positive experiences with various environments and individuals will help them grow up to be well-adjusted companions.

How much does pet insurance cost for a German Spitz?

There are many factors that can influence the cost of pet insurance for your German Spitz, including the following: 

  • Age: the older your dog is, the more pet insurance is likely to cost. This is because older 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 for dogs available in Australia; accident-only, accident and illness, and comprehensive insurance. An accident-only policy is the cheapest type 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 may 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 top-of-the-range cover. 
  • 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, while 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.  

Types of pet insurance you can choose from

Why compare pet insurance with Savvy?

Common questions about German Spitzes

Is it difficult to train a German Spitz?

Yes – training a German Spitz can be challenging due to their independent and intelligent nature. They have a tendency to think for themselves, which can sometimes translate to a stubborn streak. However, with patience, consistency and positive reinforcement techniques, German Spitzes can be trained effectively. It's important to establish clear boundaries and provide mental stimulation to keep them engaged. Seeking advice from experienced trainers or attending obedience classes can also be beneficial, especially for first-time owners or those new to training this particular breed.

Are German Spitzes good with children?

Yes – German Spitzes are known to be affectionate and generally get along well with children. They are playful and have a friendly disposition, making them suitable companions for families. However, it’s important to supervise interactions, especially with very young children, to ensure that both the dog and the child are comfortable and safe.

Are German Spitzes vocal dogs?

Yes – German Spitzes are known to be vocal dogs. They have a tendency to bark to alert their owners of any perceived threats or changes in their environment. This alertness is a characteristic trait, making them good watchdogs. However, it’s important to manage their barking tendencies through training and positive reinforcement techniques to ensure it doesn’t become excessive or disruptive. Early socialisation can also help them become more comfortable and less reactive in various situations, which can contribute to reducing unnecessary barking.

How much exercise does a German Spitz need?

German Spitzes are an active and energetic breed that thrive on regular exercise. They typically require at least 30 to 60 minutes of physical activity each day to stay happy and healthy. This can include activities such as brisk walks, play sessions and interactive games. Additionally, mental stimulation is just as important as physical exercise for this intelligent breed. Engaging them in puzzle toys, obedience training and interactive play can help keep their minds sharp and prevent boredom.

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German Spitz

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