Pet Insurance for Poodles: Is It Worth It?
- August 16, 2018
- Posted by: Melissa Horton
- Category: Pet Insurance
Owning a poodle is one of the most enjoyable experiences anyone can have, but it comes at a cost. Dog ownership expenses for the first year include a significant amount for veterinary care to ensure your pet is healthy and well.
The average cost of vet care for dogs can range from $250 to $1,000, depending on vaccinations, possible health issues, and routine preventative care provided by your dog’s vet. For poodles, the cost of this care may be higher based on their unique disposition to certain health issues.
Pet insurance for poodles is one way to plan for veterinary costs over the lifetime. Most poodles live between 11 and 15 years, meaning you, as the owner, need to have a plan for covering the average cost of vet care for many years.
With pet insurance, you can reduce the cost of veterinary care for preventative measures, emergency and chronic medical conditions, or a combination of the two. Pet insurance for poodles can be beneficial because it requires a relatively small amount paid for premiums each month, but pays a large percentage of costs for unplanned veterinary care. Here’s how to know if pet insurance for a poodle is worth the expense.
- Common Conditions for Poodles
- Pet Insurance Costs for Poodles
- What Is and Isn't Covered
- Find the Right Pet Insurance for Your Poodle
Common Conditions for Poodles
Nearly all dog breeds come with specific health conditions that may arise over time, and poodles are no exception to this. According to Trupanion, some of the most common conditions poodles face over their lifetime include the following:
- Unexplained vomiting and diarrhea with an average cost of $800
- Ear infections costing $200 on average
- A mass with an average cost of $900
- Gastroenteritis which costs an average of $700
- Conjunctivitis costing $100 on average
The average cost of receiving veterinary care for each of these conditions comes out of the pet owner’s pocket when pet insurance is not in place.
In addition to these common medical conditions among poodles, veterinary care may also be needed for epilepsy (ranging from $200 to $15,000), Cushing’s Disease (ranging from $500 to $2,000), or Addison’s Disease (averaging $2,400 per year). The more serious conditions faced by poodles can be a devastating emotional and financial experience for dog owners.
Pet Insurance Costs for Poodles
Paying for pet insurance may seem like a big expense for veterinary care that may not be needed in the future, but many pet owners are surprised to find that pet insurance for poodles can be relatively affordable. Here are a few examples for poodle pet insurance costs:
- 8 weeks old – $35.59 per month, with a $700 deductible
- 4-year old – $48.31 per month, with a $700 deductible
- 10-year old – $83.29 per month, with a $700 deductible
In most cases, pet insurance companies will allow you to customize your coverage to make the monthly premiums affordable.
What Is and Isn't Covered
Pet insurance is beneficial in reducing the total cost of veterinary care for poodles, but the coverage put in place is dependent on what the insurance company covers and what it doesn’t. Generally, pet insurance for poodles covers accidents, illnesses, and diseases that were not present before the policy was put in place.
Pet insurance plans may also cover some preventative care measures, like vaccinations and flea, tick, and heartworm medications, as well as teeth cleaning. However, some pet insurance plans for poodles do not cover some common conditions specific to the breed, like epilepsy or Cushing’s Disease. These conditions may be covered if there is no sign of the disease prior to putting a pet insurance policy in place.
Finding the Right Pet Insurance for Poodles
The best way to find a pet insurance policy for your poodle is to comparison shop. Several insurance companies offer pet insurance, all with different coverage options, plan premiums, and restrictions. It is necessary to compare these policy features alongside the cost to ensure you are getting the best pet insurance for your poodle.
Before selecting a plan, make sure it covers certain conditions specific to poodles, if possible, and that there are no restrictions on annual benefit limits inherent to the policy. These small steps can make a big difference in keeping your poodle healthy without a significant financial risk.