Schipperke insurance in Washington: cost and what to look for
Breed health sources point to epilepsy, inherited eye disease and hypothyroidism as the conditions to check coverage for.
- $45–$75/mo est.Typical monthly premium in Washington (2 yrs, 80%, $250 deductible)
- $696/yr est.Estimated yearly cost at the midpoint
- 5Breed-linked conditions to check coverage for
Which insurer fits a Schipperke? See our top picks by priority →
Insurers for a Schipperke in Washington
Estimated monthly price for a 2-year-old at 80% reimbursement and a $250 deductible. These are BreedSure estimates, not quotes from the insurers; each insurer sets its own price.
Odie
Lowest est.14-day illness wait Limits $10,000 or $40,000 Exam fees extra Deductibles $250 or $500
$51/mo est.Plan details for OdieLemonade
14-day illness wait Limits $5,000 to $100,000 Exam fees extra Deductibles $100 / $250 / $500 / $750
$53/mo est.Plan details for LemonadePets Best
14-day illness wait Limits $5,000 to unlimited Exam fees included Deductibles $100 to $1,000
$55/mo est.Plan details for Pets BestEmbrace
14-day illness wait Limits $2,000 to unlimited Exam fees extra Deductibles $200 to $1,000
$58/mo est.Plan details for EmbraceSpot
14-day illness wait Limits $2,500 to unlimited Exam fees included Deductibles $100 to $1,000
$59/mo est.Plan details for Spot
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Fetch
15-day illness wait Limits $5,000 to $15,000 Exam fees included Deductibles $250 to $2,500
$61/mo est.Plan details for FetchHealthy Paws
15-day illness wait Limits $5,000, $7,000 or unlimited Exam fees extra Deductibles $100 to $1,000
$64/mo est.Plan details for Healthy PawsTrupanion
30-day illness wait Limits Unlimited Exam fees extra Deductibles $0 to $1,000 per condition
$73/mo est.Plan details for Trupanion
Estimates updated Sep 2026 · How we estimate
Waiting period. How long after the policy starts before accidents, and then illnesses, are covered. Anything that begins during the wait is excluded. More in the glossaryAnnual limit. The most the policy pays in one policy year. "Unlimited" means there is no yearly cap. More in the glossaryExam fees. The vet's charge for the visit itself, usually $50 to $150, separate from tests and treatment. Some insurers include it; others sell it as an add-on. More in the glossaryDeductible. What you pay yourself before the insurer starts paying. Most reset every policy year; some insurers charge it once per condition. More in the glossaryWhat Schipperke owners claim for
- Eye conditions (cataracts, PRA, cherry eye)[1]occasionalHereditary eye problems; cataract surgery is the expensive end.$300–$6,700[2][3]
- $200–$5,000[4]
- Patellar luxation[5]occasionalDislocating kneecap, common in small breeds; surgical correction in moderate to severe cases.$1,500–$3,000[6]
- Legg-Calve-Perthes disease[5]occasionalLoss of blood supply to the femoral head in small and toy breeds, usually corrected with a femoral head ostectomy.$1,200–$3,000[7]
- $290–$750[8]
Typical lifespan: 12–15 years. The small size class used in our estimate comes from the same source's weight range[1].
What a Schipperke costs to insure by age in Washington
Insured as a puppy, a Schipperke costs about 44% less per month than one enrolled at 8 (modeled). Conditions diagnosed before enrollment are excluded as pre-existing.
Low, typical and high estimates by age
| Age | Low | Typical | High |
|---|---|---|---|
| Puppy (under 1) | $41/mo est. | $52/mo est. | $68/mo est. |
| 2 years | $45/mo est. | $58/mo est. | $75/mo est. |
| 5 years | $54/mo est. | $70/mo est. | $90/mo est. |
| 8 years | $72/mo est. | $93/mo est. | $121/mo est. |
| 11 years | $99/mo est. | $128/mo est. | $166/mo est. |
Pet insurance in Washington
Effective January 1, 2024, Washington gives buyers a 15-day free-look/refund period, bans waiting periods for accident coverage while capping illness/orthopedic waiting periods at 30 days, bars insurers from requiring a medical exam at renewal, and requires wellness programs to be clearly separated from insurance with uniform statutory definitions posted on the insurer's website.
Source: Washington State Legislature
Washington State Office of the Insurance Commissioner handles insurance complaints and consumer questions in Washington, including about pet insurance.
Source: Washington State Office of the Insurance Commissioner
The average routine vet visit for a dog in Washington costs about $77.
Source: CareCredit
Washington State University's College of Veterinary Medicine in Pullman, founded in 1899, operates a teaching hospital for specialty and emergency referral care.
Source: AVMA
Schipperke insurance in other states
Questions people ask about insuring a Schipperke
How much does pet insurance cost for a Schipperke?
About $45 to $75 a month in Washington for a 2-year-old at 80% reimbursement and a $250 deductible, in our model. Older dogs, lower deductibles and higher reimbursement cost more; each insurer sets its own price. How we estimate.
Does pet insurance cover Schipperke health problems like eye conditions?
Yes, as long as they are not pre-existing. Accident-and-illness plans cover hereditary and congenital conditions, including the ones Schipperkes are known for: eye conditions, epilepsy and patellar luxation. All 8 insurers we compare cover hereditary conditions.
At what age should I insure a Schipperke?
As young as you can. A puppy has no pre-existing conditions yet, and premiums rise with age: in our model about $58 a month at 2 years and $93 at 8. When to insure, by age.
Is pet insurance worth it for a Schipperke?
For breeds with known expensive conditions, it usually is if you enroll young and keep the policy. One eye conditions bill can run $300 to $6,700, several years of premiums. The full math.
Why is the estimate different in Washington?
Our model scales premiums by a state index built from each state's published average dog insurance premium. Insurers set their own prices, so this is an estimate, not a quote.
Questions owners of Schipperkes ask
Sources
- Schipperke. VCA Animal Hospitals.
- Cherry Eye. Embrace Pet Insurance, 2024.
- Cataracts: What to Expect. University of Missouri Veterinary Health Center, 2025.
- Epilepsy and Seizures. Embrace Pet Insurance, 2024.
- Schipperke Club of America health testing for CHIC. Schipperke Club of America.
- Patellar Luxation in Dogs. Embrace Pet Insurance, 2021.
- Dog Legg Calve Perthes Disease. Embrace Pet Insurance, 2026.
- Hypothyroidism. Embrace Pet Insurance, 2021.
How we choose and check sources: Sources we use.
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