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 care may be higher based on their 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 owners must plan to cover the cost of vet care for many years.
Pet insurance requires you to pay a premium each month to cover a 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
Most dog breeds have specific health conditions that may arise over time, and poodles are no exception. According to Trupanion, 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).
Best poodle insurance
Here are some of our top-rated pet insurance companies that can be a solid choice for your poodle.
Embrace: Best for quick coverage
- Deductible: $200 – $1,000
- Reimbursement: 65% – 90%
- Benefit limit: $5,000 – $30,000
Embrace is our choice for offering the best quick coverage for your poodle. With no network requirements, you’re free to 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: Required if your pet hasn’t visited the vet in the last 12 months
- Discounts: 10% for each additional pet insured; 5% military discount (not available in New York or Tennessee)
- Waiting period: 14 days for illness and accident-only; 6 months for orthopedic conditions
- Policy options: Accident and illness, accident-only, and optional wellness coverage
- Benefits: Will cover curable preexisting conditions; 30-day money-back guarantee
Spot: Best selection of terms
- Deductible: $100 – $1,000
- Reimbursement: 70% – 90%
- Benefit limit: $2,500 – Unlimited
Spot Pet Insurance provides pet owners the tools they need to help create a world of healthier pets. With policies and plans covering accidents, medications, diagnostics, and dental cleanings, Spot offers 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 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 preexisting conditions
ASPCA: Best for reliability
- Deductible: $100 – $500
- Reimbursement: 70% – 90%
- Benefit limit: $3,000 – Unlimited
ASPCA Pet Insurance is a complete coverage plan that pays for accidents, illnesses, hereditary conditions, and behavioral issues. The waiting period is two weeks, and you can get a discount for multiple pets. ASPCA’s unlimited coverage maximums can help you protect your poodle’s health and 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; Distinguishes between incurable and curable preexisting conditions
Pet insurance costs for poodles
Pet insurance may seem like an unnecessary expense since you may not need the coverage, but many pet owners are surprised to find that pet insurance for poodles can be reasonable.
Many pet insurance companies will allow you to customize your coverage to make the monthly premiums affordable.
What is and isn’t covered
Pet insurance can reduce the total cost of veterinary care for poodles, but the coverage depends on what the insurance company does and doesn’t cover. It can cover accidents, illnesses, and diseases that were not present before you bought the policy.
Pet insurance plans may cover preventative care measures, such as vaccinations, preventatives for fleas, ticks, and heartworm, and teeth cleaning. However, pet insurance plans for poodles may not cover common breed-specific conditions, such as epilepsy or Cushing’s disease unless no sign of the disease existed before buying the policy.
Find the right pet insurance for poodles
The best way to find a pet insurance policy for your poodle is to shop with several pet insurance companies. Insurance companies offer pet insurance with different coverage options, plan premiums, and restrictions. Compare these policy features and the cost to ensure you get the best pet insurance for your poodle.
Before selecting a plan, be sure it covers certain conditions specific to poodles, if possible, and that no restrictions on annual benefits will limit your coverage. These small steps can make a significant 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 | 4.7/5 |
| Spot | $2,500 – Unlimited | 4.5/5 |
| ASPCA | $5,000 – Unlimited | 4.3/5 |
>> Read More: Pet insurance costs by breed