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German Shepherd – Costs, Cover & Common Health Issues

The German Shepherd is one of the most recognisable and versatile dog breeds in the world. Originally developed in Germany for herding and guarding livestock, they are now widely used in police, military, search-and-rescue, and assistance roles.

Recognised by the The Kennel Club in the Pastoral Group, German Shepherds are known for their intelligence, loyalty, and protective instincts. They form strong bonds with their families and thrive when given structure, purpose, and training.

They are confident, courageous dogs that require experienced handling and consistent leadership.

🐾 Average lifespan: 9–13 years

🐾 Average adult weight: 22–40 kg

🐾 One of the most popular working breeds worldwide

🐾 Recognised by the The Kennel Club in 1919

🐾 The average claim for German Shepherds is £768

German Shepherd With Stick

Common German Shepherd Health Issues

German Shepherds are loyal and hardworking but prone to several hereditary and structural conditions.

Common Health Issues:

  • Hip & Elbow Dysplasia – £5,000–£9,000 per hip

  • Degenerative Myelopathy – Genetic test £100–£250

  • Bloat – £2,000–£5,000 emergency surgery

  • Arthritis – £500–£1,500 per year

  • Pancreatitis – £1,000–£3,000 treatment

Large-breed surgery and ongoing joint care can quickly become expensive without comprehensive cover.

🐶 Loyal, Intelligent, Protective — Protect Your German Shepherd Properly

Your Guide To Owning a German Shepherd

Wondering if a German Shepherd is the right dog for you? Here’s a few things you should know before you bring a ‘fluffy bear’ home…

German Shepherd with a ball

Diet & Nutrition

German Shepherds benefit from a high-quality diet tailored to their size and activity level.

Key dietary considerations:

  • High-protein diet to maintain muscle mass
  • Joint-support supplements (glucosamine & chondroitin)
  • Split meals to reduce risk of bloat
  • Careful monitoring of weight to reduce joint strain

Large-breed puppy food is particularly important during early development to support controlled growth and reduce joint problems later in life.

German Shepherd catching a frisbee

Exercise Requirements

German Shepherds are energetic and highly intelligent dogs.

Daily exercise needs:

  • 1.5–2 hours per day
  • Structured walks and training
  • Mental stimulation through obedience or scent work
  • Advanced activities such as agility or protection training

Without sufficient stimulation, German Shepherds can become bored and develop behavioural issues.

German Shepherd puppy catching a toy

Who Is the German Shepherd Perfect For?

German Shepherds are ideal for:

  • Experienced dog owners
  • Active individuals or families
  • Homes with space and secure gardens
  • Owners willing to commit to consistent training
  • People seeking a loyal and protective companion

They are less suited to first-time owners without support or households unable to provide daily structure and activity.

Why Insurance Matters for German Shepherds

From costly joint surgery to emergency treatment for bloat, veterinary bills for German Shepherds can escalate quickly. Large-breed procedures and long-term medication can run into thousands of pounds.

Comprehensive insurance provides peace of mind that if your German Shepherd develops a hereditary condition or suffers an unexpected injury, you can focus on their care — not the cost.

Choose The Best Policy For Your Greyhound

Superior – the most comprehensive insurance cover we offer, with the lowest excess, giving you confidence that your dog will be looked after if illness or injury strikes.

Benefits

  • Claimable period

    Lifetime cover
    for illnesses and injuries, year after year.

  • Veterinary fees

    £12,000

  • Percentage of veterinary fees covered

    100%

  • Third party liability

    £1,000,000 per claim

  • Day to day care

  • Age restrictions

    8 weeks – under 8 years.

Benefits

  • Claimable period

    Lifetime cover
    for illnesses and injuries, year after year.

  • Veterinary fees

    £9,000

  • Percentage of veterinary fees covered

    100%

  • Third party liability

    £1,000,000 per claim

  • Day to day care

  • Age restrictions

    8 weeks – under 8 years.

Benefits

  • Claimable period

    Lifetime cover
    for illnesses and injuries, year after year.

  • Veterinary fees

    £6,000

  • Percentage of veterinary fees covered

    100%

  • Third party liability

    £1,000,000 per claim

  • Day to day care

  • Age restrictions

    8 weeks – under 8 years.

Benefits

Superior

Mid-point

Entry

Claimable period

Lifetime cover
for illnesses and injuries, year after year.

Lifetime cover
for illnesses and injuries, year after year.

Lifetime cover
for illnesses and injuries, year after year.

Veterinary fees

£12,000

£9,000

£6,000

Percentage of veterinary fees covered

100%

100%

100%

Third party liability

£1,000,000 per claim

£1,000,000 per claim

£1,000,000 per claim

Day to day care

Age restrictions

8 weeks – under 8 years.

8 weeks – under 8 years.

8 weeks – under 8 years.

Mid-range – our most flexible plan, offering a choice of co-payment and excess levels and packed with a range of optional extras to suit your dog’s needs.

Benefits

  • Claimable period

    Lifetime cover
    for illnesses and injuries, year after year.

  • Veterinary fees

    £12,000

  • Percentage of veterinary fees covered

    90%, 80% or 70%

  • Third party liability

    £1,000,000 per claim

  • Day to day care

    Optional Extra: Get up to £50 annually for key pet care needs like de-sexing, microchipping, worming, teeth cleaning, and more. Additional cover includes vaccinations, health checks, flea/tick control, and diagnostic tests, with no excess.

  • Age restrictions

    8 weeks – under 8 years.

Benefits

  • Claimable period

    Lifetime cover
    for illnesses and injuries, year after year.

  • Veterinary fees

    £9,000

  • Percentage of veterinary fees covered

    90%, 80% or 70%

  • Third party liability

    £1,000,000 per claim

  • Day to day care

    Optional Extra: Get up to £50 annually for key pet care needs like de-sexing, microchipping, worming, teeth cleaning, and more. Additional cover includes vaccinations, health checks, flea/tick control, and diagnostic tests, with no excess.

  • Age restrictions

    8 weeks – under 8 years.

Benefits

  • Claimable period

    Lifetime cover
    for illnesses and injuries, year after year.

  • Veterinary fees

    £6,000

  • Percentage of veterinary fees covered

    90%, 80% or 70%

  • Third party liability

    £1,000,000 per claim

  • Day to day care

    Optional Extra: Get up to £50 annually for key pet care needs like de-sexing, microchipping, worming, teeth cleaning, and more. Additional cover includes vaccinations, health checks, flea/tick control, and diagnostic tests, with no excess.

  • Age restrictions

    8 weeks – under 8 years.

Benefits

Key

Vital

Core

Claimable period

Lifetime cover
for illnesses and injuries, year after year.

Lifetime cover
for illnesses and injuries, year after year.

Lifetime cover
for illnesses and injuries, year after year.

Veterinary fees

£12,000

£9,000

£6,000

Percentage of veterinary fees covered

90%, 80% or 70%

90%, 80% or 70%

90%, 80% or 70%

Third party liability

£1,000,000 per claim

£1,000,000 per claim

£1,000,000 per claim

Day to day care

Optional Extra: Get up to £50 annually for key pet care needs like de-sexing, microchipping, worming, teeth cleaning, and more. Additional cover includes vaccinations, health checks, flea/tick control, and diagnostic tests, with no excess.

Optional Extra: Get up to £50 annually for key pet care needs like de-sexing, microchipping, worming, teeth cleaning, and more. Additional cover includes vaccinations, health checks, flea/tick control, and diagnostic tests, with no excess.

Optional Extra: Get up to £50 annually for key pet care needs like de-sexing, microchipping, worming, teeth cleaning, and more. Additional cover includes vaccinations, health checks, flea/tick control, and diagnostic tests, with no excess.

Age restrictions

8 weeks – under 8 years.

8 weeks – under 8 years.

8 weeks – under 8 years.

Safety-net – accidents or illness can happen at any time, and our Catastrophe and Economy policies provide cover for your dog when emergency treatment is needed.

Benefits

  • Claimable period

    Cover for each injury or illness for 12 months from the date of the incident or when symptoms first appeared.

  • Veterinary fees

    £4,000
    for each injury and illness for 12 months

  • Percentage of veterinary fees covered

    100%

  • Third party liability

    £1,000,000 per claim

  • Day to day care

  • Age restrictions

    8 weeks – under 8 years.

Benefits

  • Claimable period

    Lifetime cover
    for illnesses and injuries, year after year.

  • Veterinary fees

    £6,000

  • Percentage of veterinary fees covered

    100%

  • Third party liability

    Optional extra: £1,000,000 per claim

  • Day to day care

  • Age restrictions

    8 weeks – under 8 years.

Benefits

  • Claimable period

    Lifetime cover
    for illnesses and injuries, year after year.

  • Veterinary fees

    £3,000

  • Percentage of veterinary fees covered

    100%

  • Third party liability

    Optional extra: £1,000,000 per claim

  • Day to day care

  • Age restrictions

    8 weeks – under 8 years.

Benefits

Economy

Catastrophe 2

Catastrophe 1

Claimable period

Cover for each injury or illness for 12 months from the date of the incident or when symptoms first appeared.

Lifetime cover
for illnesses and injuries, year after year.

Lifetime cover
for illnesses and injuries, year after year.

Veterinary fees

£4,000
for each injury and illness for 12 months

£6,000

£3,000

Percentage of veterinary fees covered

100%

100%

100%

Third party liability

£1,000,000 per claim

Optional extra: £1,000,000 per claim

Optional extra: £1,000,000 per claim

Day to day care

Age restrictions

8 weeks – under 8 years.

8 weeks – under 8 years.

8 weeks – under 8 years.

Terms, conditions, and excesses apply. Cover depends on acceptance criteria, and there may be policy limits and exclusions. Make sure to check the policy details on the dog insurance page before taking out a policy.