Pet Insurance for Poodles

You’re interested in poodle insurance for a good reason: it could save you money and lead to better vet care for your pet. The average cost of vet care for a dog’s first year of life can range from $250 to $1,000. It might be more if there’s a serious health issue.

Poodles tend to have more vet care needs than most due to their disposition to conditions such as hip dysplasia and epilepsy. That’s why pet insurance for poodles can be helpful. Here’s what you need to know if you’re looking for a health plan, and our recommendations for the top companies.

The best poodle insurance

Our top-rated pet insurance companies offer excellent coverage for your poodle.

Fetch

Lemonade

Embrace

Spot

Pet insurance costs for poodles

You might think you don’t need pet insurance, but all pet parents should consider getting it. You may feel you can handle routine veterinary costs, but poodle insurance can be very helpful if something unexpected happens to your dog. 

For instance, pet insurance can come in handy if your poodle eats a dishrag and needs surgery to remove it. Generally, pet insurance is cheaper for younger dogs and more expensive if you get it later in your dog’s life.

Here are some sample quotes for poodle pet insurance from Fetch pet insurance.

Poodle profile	Deductible	Monthly premium
1 year-old male in Ohio	$300 (80% reimbursement rate)	$61.08 (max annual payout: $10,000)
5-year-old male in Ohio	$300 (80% reimbursement rate)	$94.77 (max annual payout: $10,000)
12-year-old male in Ohio	$500 (80% reimbursement rate)	$225.84 (max annual payout: $5,000)

Common conditions for poodles

Most dog breeds have specific health conditions that may arise over time, and poodles are no exception. Common conditions poodles face include the following:

Common conditions	Average cost to treat (USD)
Unexplained vomiting and diarrhea	$800
Ear infections	$200
Mass	$900
Gastroenteritis	$700
Conjunctivitis	$100

Without pet insurance, veterinary care costs for each condition come from the pet owner’s pocket.

In addition to these common medical conditions among poodles, you may also need veterinary care for epilepsy ($200 to $15,000), Cushing’s disease ($500 to $2,000), or Addison’s disease ($2,400 per year).

Find the right pet insurance for poodles

If you’re looking for a pet insurance policy, you’ll want to take the following steps.

1. Comparison shop

Look at several pet insurance companies. There are many good ones that share characteristics, but they all tend to have different coverage options, plan premiums, and restrictions. 

You’ll want to compare these policy features and the cost to ensure you get the best pet insurance for your poodle. Looking for the right pet insurance plan for your dog breed is a smart approach whether you have a poodle or another breed.

2. Before choosing a plan, be a pessimist

Hopefully, your poodle will always be healthy, but think about what might happen if your poodle does come down with a health condition that sometimes inflicts this breed, like bloat and eye diseases. Would you have the money to pay for your poodle’s health care? 

You’ll also want to check for restrictions on annual benefits that will limit your coverage. Really taking the time to research poodle insurance and ensuring the coverage is expansive can make a significant difference in keeping your furry friend healthy without significant financial risk.

3. Choose your pet insurer

Once you have done that and found the pet insurer that will give you the best coverage, complete the application. 

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Pet insurance costs by breed

FAQ

How much should you spend on pet insurance for a poodle?

The cost of pet insurance for a poodle can vary depending on factors such as the dog’s age, health, and location, as well as the coverage level you choose. On average, you can expect to pay between $30 and $50 per month for a standard policy. 

For more comprehensive coverage, including wellness visits and preventive care, the cost can be higher, ranging from $50 to $70 per month. It’s important to compare quotes from different insurers and consider what coverage best meets your needs and budget.

Is pet insurance more expensive for certain breeds?

Yes, pet insurance can be more expensive for certain breeds. This is because some breeds are more prone to specific health issues or hereditary conditions. For example, larger breeds like Great Danes and German Shepherds may have higher premiums due to a higher risk of joint issues and other health problems. 

Similarly, purebred dogs, such as bulldogs and pugs, often have higher insurance costs due to their predisposition to genetic conditions. It’s important to research the specific health risks associated with your pet’s breed when considering pet insurance.

What is the best level of pet insurance you can buy?

The best level of pet insurance depends on your pet’s needs and your budget. Generally, the highest level of coverage will offer:

1. Comprehensive coverage: This includes accident and illness coverage, as well as routine and preventive care (such as vaccinations, annual check-ups, and dental care).
2. High reimbursement levels: Look for policies that offer 80% to 90% reimbursement for covered expenses.
3. Low deductibles: Policies with lower deductibles can reduce your out-of-pocket costs when you need to make a claim.
4. High annual limits: Higher annual limits or unlimited coverage ensure that you are not capped on the amount you can claim each year.

Providers like Healthy Paws, Trupanion, and Nationwide are often recommended for their comprehensive coverage options. Be sure to compare different plans and read the fine print to understand what is included and excluded in the coverage.

How we chose the best pet insurance for poodles

Since 2018, LendEDU has evaluated insurance companies to help readers find the best pet insurance. Our latest analysis reviewed 357 data points from 17 companies, with 21 data points collected from each. This information is gathered from company websites, online applications, public disclosures, customer reviews, and direct communication with company representatives.

These star ratings help us determine which companies are best for different situations. We don’t believe two companies can be the best for the same purpose, so we only show each best-for designation once.

Recap of pet insurance for poodles