The German Shepherd Dog is one of the most popular dog breeds in the UK. But how costly are they to insure? And which companies might give the best quotes?
In September 2020 The Pet Insurance Guide surveyed more 16 leading pet insurance companies to discover the relative cost of insuring more than 50 different breeds of dog. The survey had two aims
a) To identify which dog breeds were most and least expensive to insure
b) To identify which insurance companies might produce the best value quotes for each breed. (We did this by comparing the quote for a particular breed with the average quote for that insurer as we believe this shows how the insurer rates the risk posed by that breed.)
Pet Insurance Quotes for German Shepherd Dogs
German Shepherd Dogs are relatively expensive to insure. They came 14th out of the 56 breeds we surveyed. On average they cost about 25% more to insure than a Labrador Retriever.
However there are a number of insurance companies which appear to see the German Shepherd Dog as an average risk rather than a high risk and consequently charge about the same for the German Shepherd as for other popular breeds like the Labrador or Springer Spaniel.
How Different Insurance Companies Rate German Shepherd Dogs
Lowest Risk Ratings
The five pet insurance companies which had the lowest risk rating for the German Shepherd Dog and therefore more likely to give you a competitive quote were
Highest Risk Ratings
The four pet insurance companies which had the highest risk rating for German Shepherd Dogs and therefore least likely to give you a competitive quote were
Lifetime Pet Cover
Although premiums will always be an important factor, you must remember that there are many differences between pet insurance policies. This means it is very important always to do your research thoroughly – and always read the small print!
A dog’s breed is only one factor that pet insurance companies use to determine premium (the other major factors are sex, age, postcode). However all other things being equal we believe you are likely to get a more competitive quote for your German Shepherd from the companies listed as rating the breed as below average risk. So it is certainly worth checking them out!