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Pet Insurance for Miniature Schnauzers

Find out all about Miniature Schnauzers, 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 27th, 2023       

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Price range

$2,500 –$3,500

Height

30cm - 36cm

Weight

5kg - 9kg

Personality

Spirited, friendly, obedient

Coat length

Medium, hypoallergenic

Exercise needs

Moderate

Kid-friendly?

Yes

Life expectancy

12 - 15 years

Miniature Schnauzer

Overview

The Miniature Schnauzer is a small and spirited breed in the terrier family. They originate from Germany, where they were used as working dogs to guard property and kill rats. They look just like their larger relatives, the Standard and Giant Schnauzers, and are cousins to the Affenpinschers. It is thought the breed originated in the mid 19th Century as a result of breeding the larger Standard Schnauzer with smaller breeds such as the Miniature Pinscher and perhaps the Miniature Poodle.  

Miniature Schnauzers have a wiry coat that doesn’t shed, which is why the breed is considered one of the best hypoallergenic breeds available. However, they do require regular brushing. Miniature Schnauzers are known for their alert and friendly nature. They are highly adaptable and make great companions for families with young children. Despite their small size, they are hardy dogs that can stand rough play and enjoy the company of other dogs, particularly German Shepherds. They are intelligent and respond well to training. 

Common diseases and conditions of Miniature Schnauzers

  • Calcium Oxalate Urolithiasis: This is the creation of kidney stones in the urinary tract, and is a very common condition in Miniature Schnauzers.
  • Hypothyroidism: A thyroid disorder that can impact metabolism and overall health. 
  • Hip Dysplasia: This is a common orthopaedic condition affecting the joint's development. It can lead to discomfort and mobility issues. 
  • Follicular Dermatitis: This is a bacteria that infects the hair follicles, and causes irritation.

Breed-specific issues:  

Their alertness makes them good watchdogs, and they enjoy playtime and lots of exercise. However, bored Miniature Schnauzers love to dig, and they will dig their way out under a fence in no time at all if left alone and bored. They are dogs who love their owners, and will suffer separation anxiety if left alone for too long. They may also become excessive barkers.

How much does pet insurance cost for a Miniature Schnauzer?

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 Miniature Schnauzers

Are Miniature Schnauzers prone to obesity?

Yes. Miniature Schnauzers can gain weight easily, so it's crucial to monitor their diet and provide regular exercise to prevent obesity, which can lead to various other health problems. 

Do Miniature Schnauzers make good therapy or assistance dogs?

Yes, Miniature Schnauzers are known for their affectionate and empathetic nature, making them suitable candidates for therapy or assistance work. However, individual temperament and training play a significant role in their success in these roles. 

Do Miniature Schnauzers need a lot of exercise?

Miniature Schnauzers have moderate exercise requirements. Daily walks, playtime, and mental stimulation for 30 minutes to an hour each day are important to keep them healthy and happy. They also enjoy activities like fetch and agility. They are adaptable and can do well in both apartments and houses with larger backyards, provided they get enough physical and mental exercise.

Do they get on well with other pets and cats?

Miniature Schnauzers generally get along with other dogs if properly socialised from a young age. However, they have a terrier background, so they may have a strong prey drive towards smaller animals and should not be trusted with cats, rabbits or guinea pigs.  

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Compare pet insurance policies with Savvy

Whether you're buying for your dog or cat and whether they're big or small, you can compare pet insurance policies tailored to your furry friend's needs from Savvy's panel of trusted Australian insurers. Grab a free, no-obligation quote today!
Miniature Schnauzer

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