Best Pet Insurance For Golden Retrievers: Cost, Quotes & FAQs

best pet insurance for golden retriever

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This is the most comprehensive guide to finding the best pet insurance for Golder Retrievers.

Accidents happen. Just like us humans, dogs get into things they’re not supposed to or slip on something and fall. Unexpected illnesses or chronic health problems can also occur, so you want a health insurance company that will provide a high level of care. But is it worth it? If so, which company should I go with? This is a tricky question because many factors are involved in deciding which dog insurance company is the best fit for your dog. 

Today you will learn breed-specific reasons you need to consider pet insurance for your Goldens, including how likely this breed is to have accidents and health issues. We also share our top picks for the best pet insurance providers covering adult and puppy Golden Retrievers. Let’s dive right in!

The Best Pet Insurance For Golden Retrievers

Here are Canine Bible’s top 4 picks for the best pet insurance for Golden Retrievers

You can click this link to go to the reviews, but we encourage you to keep reading to make a more educated decision about getting pet insurance for your Golden Retriever.

What Is Golde Retriever Pet Insurance?

Getting pet insurance for your Golden Retriever dog is equivalent to getting health insurance for yourself. Pet Insurance is designed to reimburse dog owners for unexpected veterinary expenses and related fees, giving them peace of mind and protecting their savings.

How Much Does Pet Insurance Cost For Golden Retrievers?

Golden Retriever’s dog insurance prices will be based on your pet’s pre-existing health conditions, gender, age, location, and other factors.

Keep in mind rising vet costs due to technological advances and an increasing number of claims in your location, which can increase your monthly payment. For instance, if your Golden Retriever is quoted at $45 per month today, that price is subject to change.

We compared quotes for plans for Golden Retrievers with three popular pet insurance providers to help you find the best fit for you in terms of monthly premiums and coverage. We chose three Golden Retrievers at different stages in their life.

  • An adult Golden Retriever (5 years old)
  • A young Golden Retriever (1 year old)
  • A puppy Golden Retriever (3 months old).

Check out our Pet Insurance Comparison table for Golden Retrievers below.

Pet Insurance Quotes For Golden Retrievers


CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50070%Unlimited$70.30California
(zip code: 94203)
MaleGolden Retriever5 years
Lemonade$50070%$100,000$35.92California
(zip code: 94203)
MaleGolden Retriever5 years
Spot Pet Insurance$50070%Unlimited$79.45California
(zip code: 94203)
MaleGolden Retriever5 years
Healthy Paws$50080%Unlimited$36.52Kansas
(zip code: 64030)
FemaleGolden Retriever1 Year Old
Lemonade$50080%$100,000$18.58Kansas
(zip code: 64030)
FemaleGolden Retriever1 Year Old
Spot Pet Insurance$50080%Unlimited$53.80Kansas
(zip code: 64030)
FemaleGolden Retriever1 Year Old
Healthy Paws$50070%Unlimited$37.64North Carolina
(zip code: 28105)
FemaleGolden Retriever3 Month Old
Lemonade$50070%$100,000$30.12North Carolina
(zip code: 28105)
FemaleGolden Retriever3 Month Old
Spot Pet Insurance$50070%Unlimited$83.12North Carolina
(zip code: 28105)
FemaleGolden Retriever3 Month Old

How Much Can You Expect to Pay For Golden Retriever Canine Insurance?

If you get Pet Insurance for your Golden Retriever, you can expect to pay between $18 to $83 per month. Depending on where you live, what deductible, and the reimbursement percentage you choose, you may spend more or less.

NOTE: The quotes we ran were for dogs with no pre-existing conditions. All quotes are from November 2022

Is Pet insurance For Golden Retrievers Worth it?

Golden Retriever dog insurance is worth it. Suppose your dog catches a serious disease or gets hurt in an accident that could end up costing thousands of dollars at the vet. Investing in pet insurance allows you to choose the best medical treatment for your pup that your finances won’t restrict.

Not fully convinced is worth it?

Here are 3 main reasons why you should consider getting pet insurance for your Golden Retriever.

1. Avoid Deciding Between Your Wallet & Your Golden Retriever

Many pet parents have had to make the unimaginable decision to euthanize their beloved dog because they didn’t have the money to pay for surgery or treatment.[1]

With pet insurance, you will be able to seek out medical care for your sick or injured Golden Retriever without having to worry about the financial impact.

On average, the most common dog treatments cost $252.75.[2] While a more severe disease in Golden Retrievers, like cancer, can cost $8,000 – $15,000 to diagnose and treat.[3]

2. Pet Insurance For Golden Retriever Accidents

According to a survey conducted by the American Pet Products Association, nearly 70% of households in the U.S. own a pet, and it’s estimated that 1 in 3 will need emergency veterinary treatment every year. So, how does that translate to Golden Retriever numbers?

There are roughly 90 million dogs in the U.S., out of which approximately 6.1% are Golden Retrievers.[4],[5] This gives 5.4 million Golden Retrievers in the U.S. alone. So, at least 1 in every 3 Golden Retriever dog parents will be seeking emergency veterinary help this year for their dogs.

This could lead to huge vet bills. In fact, the average cost of unexpected veterinary care for dogs is between $800 and $1,500.

Even scarier is that only 40% of Americans don’t have enough savings to cover a $400 emergency, says the Federal Reserve.

Having a good pet insurance plan will cover the majority of the vet costs as most pet insurance policies reimburse up to 80% (some go up to 90%) of total vet expenses after deductibles.

3. Common Health Issues For Golden Retrievers

Don’t think you need Pet Insurance for your Golden Retriever? Take a look at the stats below. You may change your mind!

Subvalvular aortic stenosis (SAS) is one of the most common heart conditions in large breed dogs that can result in fainting, a shortened life span, or sudden death. Golden Retrievers are among large breed dogs diagnosed with SAS more often than other dog breeds, suggesting a genetic etiology for this disease. According to a study published this year, the prevalence of this disease was reported at 4.7 % in just one large veterinary referral hospital.[6]

The Golden Retriever Club of America says that 1 in 9 Golden Retrievers is affected with Elbow Dysplasia.[7] Elbow dysplasia is a disease that causes front limb lameness (limping) in dogs. The bones that make up the elbow joint don’t come together just right, eventually leading to painful forelimb movement.

Hip Dysplasia is another common health condition found in Golden Retrievers. This is a deformity of the hip that happens during growth. It is the most common joint problem in large dogs. It has been found in up to 73% of Golden Retrievers in the U.S.[8]

Hypothyroidism (or low thyroid hormone concentrations) is dogs’ most common endocrine disease. It is more common in some breeds, including Golden Retrievers. A survey conducted by the Golden Retriever Club of America shows that approximately 1 in 4 Golden Retrievers develop hypothyroidism throughout their lives.[9]

Unfortunately, according to the Morris Animal Foundation, 60% of Golden Retrievers are impacted by cancer. This is almost twice the rate of cancer in dogs of all breeds.[10],[11]

Goldens are also infamous for having eye issues, including entropion (where either the top or bottom eyelid rolls into the eye), which is very painful if left untreated and cataracts.

These are some of the most common health problems Golden Retriever dogs are prone to develop.


ConditionRiskCost to Diagnose & Treat
CancerHigh$8,000-$15,000
Hip DysplasiaHigh$1,500-$6,000
Sub-Aortic StenosisMedium$500-$1,500
Elbow DysplasiaMedium$1,500-$4,000
Osteochondrosis of the Shoulder/ElbowMedium$2,000-$4,000
Portosystemic ShuntsMedium$2,000-$6,000
EntropionHigh$300-$1,500
CataractsHigh$1,500-$5,000
IchthyosisHigh$200-$1,000

Data Source: Embrace Pet Insurance

Other Reasons To Get Dog Insurance For Your Golden Retriever

  • Delivers peace of mind
  • Can cover your pet’s hereditary condition
  • Avoid veterinary rising cost
  • Can help you find your missing/stolen pet
  • Can cover third-party liabilities
  • Helps you save money

Pro Tip: If you know your dog breed is prone to develop certain health issues, we highly recommend getting a pet insurance policy when your dog is still healthy. If your dog does develop chronic conditions down the road, you’re guaranteed reimbursement for these issues throughout your dog’s life.

Pet Insurance for your Golden Retriever can spare you financial trouble. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Golden Retriever’s life.

Best Pet Insurance For Golden Retrievers

Here are Canine Bible’s top picks for the best pet insurance for Golden Retrievers.

We’ve reviewed each company based on specific breed needs, customer reviews, affordability, and other factors to help you choose the right company and coverage for your Golden Retriever.

Best Overall — Healthy Paws

Our rating: 4.8

We named Healthy Paws our best overall pet insurance for your Golden Retriever for its comprehensive coverage, pricing, availability, and customer service. There are no caps on payouts when you file a claim under a Healthy Paws insurance plan. A Healthy Paws insurance plan may cover accidents, illnesses, cancer, emergency care, genetic conditions, and alternative care.

They have competitive premium prices. We ran a quote for a healthy Golden Retriever at a $500 deductible, with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $36 and $70.

With Healthy Paws, you can start protecting your Golden Retriever at 8 weeks old. You can protect them from anything like a pesky bee sting to parvo.

Once you pay your deductible, there is no limit on the amount your policy can reimburse you. It also has fewer coverage exclusions compared to many competitors. Healthy Paws states that they pay 99% of claims in two days.

Pros

  • You can submit your claim online or via their app
  • Pet are eligible for coverage when they travel with you in the U.S. or Canada (up to 3 months)
  • BBB Rating: A+
  • Great email response time
  • Direct deposit or check reimbursement
  • No limit to how many claims you can make

Cons

  • 15-day waiting period for accident and illness
  • Doesn’t cover veterinary exam fees and behavioral therapies
  • No wellness plan
  • There is a one-time enrollment fee of $25
  • Can’t enroll pets over 4 years old in NY

Best Value — Lemonade Pet Insurance

Our rating: 4.7

Lemonade offers excellent pet insurance coverage for your Golden Retriever at the most affordable price. While your monthly premium cost will vary by location, pet’s age, gender, and other factors, Lemonade premiums usually start at just $10 a month, the lowest in the industry.

To estimate your monthly premium, we ran a few quotes for a healthy Golden Retriever at a $500 deductible and 70%, 80%, and 90% coverage. Based on our research, you can expect to pay between $18 and $35.

We love that Lemonade is tech-forward, making it easy to manage your policy and file claims through an app. Their plans cover accidents and illnesses, including injuries, poisonings, broken bones, sprains, infections, general sicknesses, cancer, heart disease, hip dysplasia, hernias, skin conditions, and more.

They also offer several add-ons to help pet owners pay for exam fees, physical therapy, and preventive care costs.

Pros

  • Coverage starts at $5 per month
  • Provides a mobile app and website chat function
  • Giveback program donates unused policy money to charities
  • Waiting period of 2 days for accidents, which is shorter than many competitors
  • Preventive care treatments for puppies and kittens under 2 years old
  • 10% discount for bundling your policy with Lemonade home insurance or renters insurance

Cons

  • Doesn’t offer coverage for pets over 14 years old

Most Customizable Plans — Spot Insurance

Our rating: 4.7

Spot Pet Insurance is ideal for Golden Retriever dog owners who want a variety of ways to customize their policy. Spot offers seven annual limit options, three reimbursement levels, and five annual deductibles. They offer the lowest deductible in the industry ($100), meaning that when your Golden Retriever gets sick, you pay less upfront before your plan starts paying. With so many customization options, this company it’s our top pick for finding a plan for meeting your specific financial needs and those of your pet.

Spot’s policies also cover some items, such as exam fees and microchipping, that many other pet insurance providers don’t offer. They also have one of the cheapest plans for accident-only coverage, making it perfect for pet owners who only need minimal coverage.

If you sign up with Spot Pet Insurance, based on our research, you can expect to pay between $53 and $83, but prices may vary depending on your location, Golden Retriever’s age, and other factors.

Spot covers you when your Golden Retriever gets hurt unexpectedly from tooth extractions to torn ligaments. They can also cover Hip Dysplasia treatment, which Golden Retrievers are prone to, as long as they were diagnosed after coverage.

Pros

  • Low $100 deductible is available
  • Has seven options for coverage limits
  • Multipet discount of 10%
  • Two optional wellness plans are available
  • Has a 24/7 pet telehealth line

Cons

  • The waiting period for accident coverage is 14 days
  • Does not cover prescription pet food
  • Limited knee and ligament coverage (bilateral condition policies)

Great For Pre-Existing Conditions

If your Golden Retriever suffers from a curable pre-existing condition Embrace Pet Insurance is your best choice! Most pet insurance companies do not cover pre-existing conditions, but Embrace distinguishes between curable and incurable pre-existing conditions. They can cover curable conditions after 12 months of symptoms and are treatment-free.


Golden Retriever Average Vet Bill Cost (Healthy Vet Visits vs Emergencies)

Whether you are taking your Golden Retriever to the vet for a routine check or to the emergency room for a serious condition, here is how much you can expect to pay out-of-pocket on average without pet insurance.

Healthy Vet Visits

  • Puppy vaccinations: $75-100
  • Flea & tick prevention: $40-200
  • Heartworm prevention: $24-120
  • Spay or neuter surgery: $200-800
  • Annual exam: $240-600
  • Teeth cleaning: $200-500
  • Microchip: $40

Emergency Vet Visits

  • General consultation/exam: $100-$150
  • General bloodwork: $80-200
  • X-rays: $150-$250
  • Ultrasound: $300-$600
  • 1-2 day hospitalization: $600-$1,700
  • 3-5 day hospitalization: $1,500-$3,500
  • Wound treatment & repair: $800-$1,500
  • Emergency surgery: $800-$2,500
  • Oxygen therapy: $500

Sources: Emergency Vets USA & Rover

Pet Insurance For Golden Retriever Puppy

Should you get pet insurance for your Golden Retriever puppy?

Here are the top reasons you should consider Golden Retriever puppy insurance.

  • Lower Premiums. Younger pets are cheaper to insure than their older counterparts. Because pet insurance rates are based on age, breed and location, your premium is lower with puppies.
  • Covering Future Conditions. If you know your dog breed is predisposed to certain health issues, it’s best to insure your puppy before he shows any symptoms or is diagnosed with an illness or issue. Most pet insurance providers won’t cover pre-existing conditions. However, if your puppy develops one (i.e., cancer, allergies, diabetes) when insured, your pet insurance company will cover the cost and any future expenses.
  • Puppies Get In Trouble. Golden Retriever puppies eat, chew, and lick almost anything. They are more prone to suffer from accidents and bacteria and virus infections.
  • Puppy Vet Bills. When you get a puppy for the first time, there are a lot of expenses associated with raising a puppy — from toys and food to vet-related costs. In fact, 81% of pet parents spend up to $500 on vet visits in the first year of having a puppy. While the upfront costs for first-year pet ownership typically cost over $1,000, says the ASPCA.

Types of Pet Insurance Coverage

What does pet insurance cover? It depends on your plan. There are two main types of pet insurance plans.

  • Accident Plans: Covers accident-related medical care such as ingesting foreign objects, poisoning, or if your Golden Retriever was hit by a car.
  • Illness Plans: Coves unexpected sickness, disease, and any changes to your dog’s normal healthy state (i.e., allergies and cancer)

You can sign up for 1 or 2 (or both), but this will mostly depend on your Golden Retriever’s needs and finances. Most pet insurance companies nowadays offer a single plan that includes accidents and illness.

In addition to that, pet insurance providers also offer wellness plans, also known as “routine” or “preventative.” care plans. It covers most routine vet visits, such as vaccinations. A wellness plan is not pet insurance.

The Most Common Items Covered Per Type of Pet Insurance


Accident CoverageIllness CoverageWellness Coverage
Broken bonesObesityFlea, tick and worm treatments
Torn ligamentsUTIsRabies
Bite woundsCancerMicrochip
PoisoningHypothyroidism
De-worming
InjuriesDigestive Issues
teeth cleaning
EmergenciesIVDD
Routine testing
Eye InjuriesVomiting and diarrheaAnnual exams
Snake BiteArthritisSpay and neuter
Toxin food ingestionParasitesUrinalysis (ERD)

*i. Not all pet insurance companies offer wellness plans. ii. Coverage items will depend and vary depending on the company and plan you choose.

What Does Pet Insurance Not Cover?

Pet insurance doesn’t cover it all!

When buying Pet Insurance for your Golden Retriever, you’ll need to carefully review the different plans to see what isn’t covered.

Most pet insurance policies exclude the following:

  • Grooming
  • Pre-existing conditions
  • Unrelated veterinary services
  • Behavioral training, therapy, or treatment 
  • Breeding and pregnancy
  • Dog food or dietary or nutritional supplements
  • Boarding and transportation

This exclusion will vary depending on your pet insurance company and plan.

Tip: Please always read your policy! Request the complete list of exclusions before getting pet insurance. This will ensure your Golden Retriever is fully covered by the plan you pick and help you avoid surprises down the road.

How Do I Pick The Right Dog Insurance For My Golden Retriever?

Here are eight tips to help you choose the best pet insurance policy for your Golden Retriever.

  • Compare the coverage under each plan with your Golden Retriever’s specific health concerns.
  • Research what illnesses are prevalent in your dog’s breed and pick your plan accordingly (Use our table above for the most common Golden Retriever health issues).
  • Speak with your veterinarian about your dog’s aging health concerns.
  • Pick a plan based on the right cost and coverage benefits, not price alone.
  • Obtain at least three quotes based on the information you provide about your Golden Retriever’s age, health, gender, and needs.
  • The earlier you sign your Golden Retriever for pet insurance, typically means lower the monthly premiums.
  •  Evaluate and pick the monthly premium, deductibles, and reimbursement amount that best fits your needs.
  • Narrow down your choices with our recommended top 3 providers.

Should I Get Golden Retriever Pet Insurance?

Pet insurance protects against the unexpected. Many pet owners pay out-of-pocket for their pet’s medical expenses. However, most Americans can’t afford a $1,500 emergency vet bill. The right pet insurance can save your dog’s life.

Insurance will allow you to make medical decisions for your precious Golden Retriever based on the quality of life, not finances. If you decide to get pet insurance, read the policy carefully, and understand the terms and conditions before buying.

Ultimately, it’s important to weigh all the factors involved in deciding pet insurance. Golden Retriever pet insurance can be a great way to protect your furry friend from unexpected costs, but only if you choose the policy that’s best for your dog and your budget.


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Canine Bible uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.

[1] USA Today, [2] Value Penguin, [3] Embrace Pet Insurance, [4] Washington Post, [5] Animals 24-7, [6] Canine Medicine and Genetics, [7] GRCA: Elbow Dysplasia, [8] UFAW, [9] GRCA: Hypothyroidism, [10] Morris Animal Foundation [11] GRCA: Cancer


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