Pet Insurance for Poodles
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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. 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 a pet’s lifetime. Most poodles live between 11 and 15 years, meaning you, as the owner, should have a plan for covering the cost of vet care for many years.
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 what you should know about pet insurance for poodles.
On this page:
- Common Conditions for Poodles
- Best Poodle Insurance
- 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).
Best Poodle Insurance
Here are some of our highly-rated pet insurance partners that can be a good choice for your poodle.
Embrace: Best coverage
Deductible
$200, $300, $500, $750, or $1,000
Reimbursement
65%, 70%, 80%, or 90%
Benefit Limit
$5,000, $8,000, $10,000, $15,000, $20,000, or $30,000
Embrace is our choice for offering the best coverage for your Poodle. There are no network requirements, so you can visit any licensed veterinarian, specialist, or emergency clinic in the United States. Coverage includes accidents, illnesses, breed-specific and genetic conditions, dental illnesses, cancer treatment, chronic conditions, exam fees, and more.
- Age limits: 6 weeks – 14 years
- Medical exam: Yes; if your pet hasn’t visited the vet in the past 12 months
- Discounts: 10% for each additional pet insured and a 5% military discount (military discount not available in NY & TN)
- Waiting period: 14 days for illness, accident-only, and six months for orthopedic conditions
- Policy options: Accident and illness, accident-only, and optional wellness coverage
- Benefits: $50 diminishing deductible each year you don’t receive a claim payment, will cover curable pre-existing conditions, and a 30-day money-back guarantee
Spot: Best selection of annual limits
Deductible
$200, $300, $500, $750, or $1,000
Reimbursement
65%, 70%, 80%, or 90%
Benefit Limit
$5,000, $8,000, $10,000, $15,000, $20,000, or $30,000
Spot Pet Insurance is focused on providing pet owners with the tools they need to help create a world of healthier pets. With policies and plans covering accidents, medications, diagnostics, and dental cleanings, Spot is dedicated to offering a wide range of conditional coverage and preventative care for Poodles.
- Age limit: At least 8 weeks old
- Medical exam: Not required to enroll
- Discounts: 10% for each additional pet
- Waiting period: 14 days for both accidents and illnesses
- Policy options: Accident and illnesses, accident-only, and optional wellness coverage
- Benefits: Microchip implementation is covered, 30-day money-back guarantee, exam fees for covered conditions are reimbursed, distinguishes between incurable and curable pre-existing conditions
ASPCA: Best for an experienced company
Deductible
$100, $250, or $500
Reimbursement
70%, 80%, or 90%
Benefit Limit
$3,000, $5,000, $7,000, $10,000, $15,000, $20,000, or unlimited
ASPCA Pet Insurance is a complete coverage plan that pays for things like accidents, illnesses, hereditary conditions, and behavioral issues. The waiting period is two weeks and a discount is provided for multiple pets. With ASPCA’s unlimited coverage maximums, your poodle’s health will be protected, as well as your finances.
- Age limit: At least 8 weeks old
- Medical exam: Not required to enroll
- Discounts: 10% for each additional pet
- Waiting period: 14 days for accidents and illnesses
- Policy options: Accident and illness, accident-only, and optional coverage
- Benefits: 30-day money-back guarantee and distinguishes between incurable and curable pre-existing conditions
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.
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 different types of dog insurance. 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 dog 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 significant financial risk.
Recap of Pet Insurance for Poodles
| Provider | Benefit Limit | LendEDU Rating |
| Embrace | $5,000 – $30,000 | 4.9/5 |
| Spot | $2,500 – Unlimited | 4.8/5 |
| ASPCA | $5,000 – Unlimited | 4.7/5 |
>> Read More: Pet insurance costs by breed