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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.
In her free time, Elena enjoys writing creative and short fiction, knitting, running near the beach, and exploring new music genres.
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Table of contents
Belgian Malinois are the 33rd-most-popular dog breed in the U.S., according to the American Kennel Club (AKC).[1] They’re hardworking dogs who are extremely loyal to their families. Belgian Malinois are also highly energetic and thrive with active families who are experienced with large breeds.
Belgian Malinois prices can vary tremendously. But while costs don’t stop at the initial purchase price, you may be able to cover some of these expenses with pet insurance. Here’s what you need to know about owning and affording this breed.
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How much does a Belgian Malinois cost?
A Belgian Malinois costs between $350 and $9,000, depending on whether you’re adopting an older unregistered dog from a shelter or purchasing a show-quality puppy with full papers and breeding rights from a reputable breeder.
Adopting an older dog from a rescue without any papers typically costs around $350, for example. But rescue groups tend to be very selective and look for experienced dog owners since so many owners surrender their Malinois.
If you’re purchasing a purebred dog from a breeder, your cost generally depends on your intention. Prospective owners looking solely for a pet will pay at least $1,200 for a new Belgian Malinois puppy. If you’re hoping to show and breed the dog, you’ll pay much higher initial costs, often up to $9,000 or more for a dog from a high-quality lineage.[2]
Buying a Belgian Malinois from a breeder: $1,200 to $9,000
The average cost of adopting a Belgian Malinois from an AKC-certified breeder ranges from $1,200 to $9,000, with the most expensive prices reserved for show-quality dogs.[3]
Though purchasing from a breeder costs more, you’re getting the advantage of knowing more about your new dog’s health. Breeders screen for health issues and specific genetic traits, while offering support throughout the adoption process.
Before you adopt, it’s important that you find a highly reputable breeder. And if you’re looking to adopt a purebred Malinois puppy, you should also factor in additional costs for training.
Adopting a Belgian Malinois from a shelter or rescue group: $350 to $500
Adopting a Belgian Malinois from a shelter is more affordable, as prices can range between $350 and $500, with older dogs typically costing less than puppies.[4]
By adopting from a shelter, you get the added benefit of giving a loving home to a pet, and if you adopt an adult dog, you’ll know its personality while skipping the destructive puppy phase.
But a disadvantage of rescuing a Malinois is that shelters don’t generally screen for health issues and usually have no information about the dog’s past, so any underlying health or behavioral issues may go undetected.
Country of origin: Belgium
Adult weight: 40–60 pounds (female) and 60–80 pounds (male)
Adult height: 22–24 inches (female) and 24–26 inches (male)
Coat colors: Fawn and mahogany
Personality traits: Highly trainable, loyal, protective, extremely active, becomes destructive if bored
Life expectancy: 14–16 years
Source: American Kennel Club
Costs of owning a Belgian Malinois
To care for a Belgian Malinois properly (and avoid losing all your furniture to a bored house pet), you’ll need to pay several different types of expenses. You can plan for some of these in advance, but for others, it depends on the dog and what your shared future holds.
The table below provides insight into some of the costs you might pay.
Expense | Average Cost |
|---|---|
| Vaccinations | $15–$78 per year |
| Vet visits | $70–$174 per year |
| Food | $40–$300 per month |
| Toys and supplies | $10–$50 per month |
| Grooming and maintenance | $60–$100 per session |
| Training | $30–$80 per class (group training) $70–$150 per session (private class) |
Vaccination and vet visits
When it comes to routine vet expenses, like vaccinations, preventative medications, and regular exams, Belgian Malinois generally don’t have any special requirements compared to other large dog breeds. Vaccination costs can range between $15 and $78 per year, while a routine vet visit costs around $70 to $174 per year.[5]
Food, toys, and supplies
It’s a good idea to feed your pup a high-quality diet rather than bargain-bin kibble because it’ll help it stay healthy longer. If you plan on doing any canine sports with your dog or if it’ll be a working dog on a farm, you may need to increase your food budget to support its higher caloric requirements.
A healthy diet of quality food typically ranges between $40 and $300 per month and can run much higher than that if you plan on feeding your Malinois fresh food. You’ll also have to budget for additional supplies, including toys, which may cost between $10 and $50 per month.
Grooming and maintenance
Professional grooming for a Belgian Malinois costs around $60 to $100 per session. But you don’t necessarily need to budget for regular grooming appointments for a Malinois. Their waterproof coats are durable and short, although they do shed twice a year.
You can groom your dog yourself by investing in a quality medium-bristle brush to handle routine brushing and a slicker brush for shedding. All dogs have nails that need regular trimming, so it’s also worth investing in a good pair of nail trimmers.
Training
Belgian Malinois have above-average mental and physical needs, which is why it’s important that they’re properly trained as puppies. If you opt for private training sessions for your Malinois, they typically range between $70 and $150 per session. Group classes are more affordable, costing around $30 to $80 per class.
Pet insurance for a Belgian Malinois
Pet insurance isn’t necessary if you plan to self-insure by paying out of pocket for any vet bills your dog might incur. But many pet owners prefer purchasing pet insurance, since it adds an extra peace of mind that the coverage will handle most emergencies and various accidents and illnesses.
The average cost of pet insurance for a Belgian Malinois is $55 per month, or around $660 per year. You can also consider add-on plans, like a wellness plan, to help you cover what the standard pet insurance plan doesn’t, such as annual routine exams and vaccinations.
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Factors influencing the price of a Belgian Malinois
Buying a Belgian Malinois can be relatively affordable or incredibly expensive, depending on whether you’re looking for a family companion, a show dog, or a protection dog. Here’s what affects the overall cost.
Where you purchase your pet
Getting your Belgian Malinois from a shelter or a breed-specific rescue is likely your cheapest option if you’re just looking for a companion for your active lifestyle. A typical rescue Malinois costs anywhere from $350 to $500, depending on the dog’s age and the shelter you adopt from.
If you’re hoping to buy a Belgian Malinois as a show dog or to get a dog from a line that’s known for its personal protection or sporting abilities, then it’s a good idea to seek out a reputable breeder. You could pay thousands for a purebred Malinois, but it’s money well spent to ensure you get a dog in good health — especially if you plan to breed it.
Age and gender
In general, puppies cost more than adult dogs because they’re more in demand. That may hold true with Belgian Malinois adopted from shelters and rescues.
But because of this breed’s unique functions, the opposite is often true with breeders, who typically put a lot of work into socializing and training older puppies and adults before they’re ready for you to buy. For example, in some special cases, Belgian Malinois can cost as much as $200,000 if you’re purchasing a fully trained service animal or personal protection dog.
Common Belgian Malinois health issues
Belgian Malinois are generally free of many potential health issues that can affect other dogs. But they can be prone to certain health concerns common to other large dogs, such as hip dysplasia and progressive retinal atrophy.[6] This can happen if the breeder doesn’t take proper care to screen for health problems before they breed a litter of puppies.
Comparing costs: Belgian Malinois vs. other breeds
The price range for a Belgian Malinois is similar to other dog breeds. You can find examples of dogs with lower prices and higher prices depending on where you look, the dog’s age, and whether it comes from law enforcement lines.
Here’s how the Belgian Malinois compares to similar dog breeds:
Dog Breed | Average Cost |
|---|---|
| Anatolian shepherd dog | $200–$3,000 |
| Belgian Tervuren | $300–$2,500 |
| Labrador retriever | $300–$2,500 |
| Belgian Malinois | $350–$9,000 |
| German shepherd | $2,500–$4,500 |
Belgian Malinois FAQs
Because Belgian Malinois are such a high-energy breed, it’s worth taking a second look to make sure you’re ready for the challenge. These answers to commonly asked questions can help you determine if a Belgian Malinois is right for you.
What is the average price of a Belgian Malinois?
You’ll pay anywhere from $350 to $9,000 for a Belgian Malinois. Shelters and rescues tend to charge less, while reputable breeders charge more for show-quality dogs or trained working dogs.
Why are Belgian Malinois so expensive?
Belgian Malinois are expensive to own because of their hardworking, energetic, loyal, and intelligent nature. These prime qualities make them highly sought after as pets. They’re also easy to train, which makes them great military and police dogs.
What’s included in the price when purchasing a Belgian Malinois puppy from a breeder?
A reputable breeder should provide a written sales contract outlining things like any health guarantees, spay/neuter requirements, information about the dog, etc. You should also receive a copy of its registration papers, health certifications, and other records from the puppy’s veterinarian, and a small supply of the food it’s been eating so you can adjust it to its new diet.
Are Belgian Malinois good pets?
Yes, a Belgian Malinois can make a great pet — if you have a very active lifestyle where a dog can tag along. Belgian Malinois are very loyal and loving but require extensive daily exercise and mental work beyond just a standard daily walk. Many breed advocates recommend them for experienced dog owners familiar with working-type breeds.
Is a Belgian Malinois a guard dog?
Yes, Belgian Malinois are intelligent dogs, and you can train them as guard dogs. In fact, they excel in this field so much that they’re top competitors in the sport of Schutzhund, which develops their protection characteristics. One key caveat is that they do require training; otherwise, they won’t serve as good guard dogs.
What is the lifespan of a Belgian Malinois?
The average life expectancy for a Belgian Malinois is 14–16 years.
Do you need pet insurance for a Belgian Malinois?
That depends. While pet insurance isn’t required, purchasing a policy for your pet may bring you peace of mind in the case of unexpected vet costs. Belgian Malinois are an incredibly active breed with a high prey drive, which may lead to more vet visits.
Methodology
Insurify data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Insurify’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of eight quotes is required for dogs and four quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
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Sources
- The Most Popular Dog Breeds of 2024. "American Kennel Club."
- Scott’s K9. "Cost Of Owning A Trained Belgian Malinois Protection Dog."
- American Kennel Club (AKC) Marketplace. "Belgian Malinois Puppies For Sale."
- American Belgian Malinois Rescue. "Animal Search."
- CareCredit. "Veterinary Exam and Procedure Costs."
- PetMD. "Progressive Retinal Atrophy (PRA) In Dogs."
)
)
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Featured in
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.
In her free time, Elena enjoys writing creative and short fiction, knitting, running near the beach, and exploring new music genres.
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