Best Pet Insurance For Poodles 2022: Cost, Quotes & FAQs

best poodle pet insurance

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

Poodles are a high-maintenance breed of dog and require a lot of care. If you’re not careful, your furry friend can cost thousands in veterinary bills if they get sick or hurt.

Pet insurance will help cover the costs when something happens like an injury, emergency visits, chronic conditions, and more. Coverage is especially helpful for peace of mind and your wallet if you have other pets at home. But, which dog insurance company is the best for Poodles? Is it worth it?

Today you will learn breed-specific reasons why Poodles need pet insurance, Poodle accident probability, predisposition to health issues, and other key research data you need to know.

We also show you our top picks for the best pet insurance providers covering adult and puppy Poodles. Let’s get started!

The Best Pet Insurance Companies For Poodles

Here are Canine Bible’s top 3 picks for best pet insurance for Poodles.

healthy paws pet insurance
Top Pick

Best Overall

embrace pet insurance
Top Pick

Curable Pre-Existing Conditions

pets best pet insurance
Top Pick

Best Value

You can click this link to go straight to the reviews, but we encourage you to keep reading so you can make a more informed decision about getting pet insurance for your Poodle.

  1. Healthy Paws: Best overall pet insurance for your Poodle
  2. Embrace Pet Insurance: Great for curable pre-existing conditions.
  3. Pets Best: Best value for your wallet.

What Is Pet Insurance?

Getting pet insurance for your Poodle 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 peace of mind and protecting your savings.

How Much Does Pet Insurance Cost For Poodle?

How much does insurance cost for a Poodle? Poodles’ 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 advances in technology and an increasing number of claims in the location where you live can make your monthly payment increase. For instance, if your Poodle is quoted at $40 per month today, that price is subject to change.

We compared quotes for plans for Poodles 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 Poodles at different stages in their life. An adult poodle (5 years old), a young poodle (1-year-old), and a puppy poodle (3 months old).

Check out this Pet Insurance Comparison table for Poodles.

Pet Insurance Quotes For Poodles

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50080%unlimited$60.66Colorado
(zip code: 80023)
MalePoodle5 years
Embrace$50070%$10,000 $99.71Colorado
(zip code: 80023)
MalePoodle5 years
Pets Best$50090%unlimited$47.47Colorado
(zip code: 80023)
MalePoodle5 years
Healthy Paws$50090%unlimited$44.44Utah
(zipcode:84041)
FemalePoodle1 year
Embrace$50090%$30,000 $61.08Utah
(zip code:84041)
FemalePoodle1 year
Pet Best$50090%unlimited$32.01Utah
(zip code:84041)
FemalePoodle1 year
Healthy Paws$50070%unlimited$38.00Virginia
(zip code:22310)
FemalePoodle3 months
Embrace$50070%$10,000 $96.24Virginia
(zipcode:22310)
FemalePoodle3 months
Pet Best$50070%unlimited$26.84Virginia
(zipcode:22310)
FemalePoodle3 months

So, how much are you expected to pay for canine insurance for your Poodle?

If you get Pet Insurance for your Poodle, you can expect to pay between $26 to $99 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 were with no pre-existing conditions. All quotes are from October 2021.

Is Pet insurance For Poodles Worth it?

Insuring your Poodle is both an economic and an emotional decision based on factors such as the type of pet you have, your risk tolerance, and your financial situation. Based on our experience and research, purchasing dog insurance for Poodles is worth it.

Consider your dog catching a serious disease or getting hurt in an accident that could end up costing thousands of dollars at the vet. If an unexpected accident or illness strikes, you’ll be reimbursed 70% to 90% of the vet bill (depending on your plan).

It’s always better to invest in pet insurance for peace of mind and avoid hurting your finances while ensuring your Poodle receives the best medical treatment.

Here are 3 main reasons you should consider getting pet insurance for your Poodle.

1. Avoid Deciding Between Your Wallet & Your Poodle

An increasing number of pet parents have had to make the inconceivable decision to euthanize their beloved dogs because they didn’t have the money to pay for surgery or treatment.1

With pet insurance, you can immediately seek out medical care for your sick or injured Poodle without having to worry about the financial impact.

On average, the most common dog treatments cost $252.75.2 While a more severe disease like Cancer in Poodles can cost $8,000 – $15,000 to diagnose and treat.

2. 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 Poodles numbers?

According to the latest survey, there are roughly 90 million dogs in the U.S., out of which 2.9% are Poodles.3,4 This gives over 2.61 million Poodles dogs in the U.S. alone. So, unfortunately, about 33% of the poodle population (1 in 3) will end up needing emergency care.

This could lead to massive vet bills. In fact, the average cost of unexpected veterinary care for dogs is between $250 to $8,000, says Healthy Paws in a recent report.5

A frightening reality that makes matters worse is that only 40% of Americans cannot cover a $400 emergency with their savings, according to 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 Poodle

Don’t you think you need Pet Insurance for your Poodle? Take a look at the health statistics below and learn how susceptible this breed is to health conditions. You may change your mind about pet insurance.

The primary health concern in Poodles is Addison’s disease which has been ranked as the highest reported disease according to the Poodle Health Registry and pet insurance companies like Embrace Pet Insurance.6 This is an autoimmune disease and affects the internal organs of the body.

Research published in the Canine Genetics and Epidemiology journal links intense inbreeding and the inadvertent amplification of Addison’s disease (A.D.). It also states it’s the top exing autoimmune disorders in this breed. The literature also notes Sebaceous adenitis (S.A.) as the second most common autoimmune disease in this breed. Sebaceous Adenitis is a skin disease, and according to Embrace Pet insurance, Poodles are the quintessential sebaceous adenitis patient.7,8

Other autoimmune diseases in Poodles seen on occasion include immune-mediated hemolytic anemia, immune-mediated thrombocytopenia, Evan’s syndrome, immune pancytopenia, chronic thyroiditis, temporal-mandibular myositis, and chronic active hepatitis.

Poodles are predisposed to develop a bloating related illness called Gastric dilatation-volvulus which can be fatal as the stomach twists on itself, and according to the JAVMA study, 2.4% of standard poodles suffer from this disease each year.9,10

According to the AKC, two orthopedic problems, Legg-Calve-Perthes and luxating patellas, are more likely to occur in Toy and Miniature Poodles than in Standards. The Standard Poodle is more at risk for gastric dilatation with volvulus (bloat) and sebaceous adenitis.11 However,  small and toy breed dogs are prone to various other health problems. You can expect smaller Poodles to be more prone to certain congenital issues due to their small sizes—Learn more here.

Another health concern in Poodles is an eye-related illness called Glaucoma, which causes fluid buildup in the eyes and can be very painful and result in blindness. PetMd states poodles are also highly likely to develop Glaucoma.12 Poodles can also develop eye conditions like progressive renal atrophy.

Issues like hip dysplasia, deformities of bones and joints, Von Willebrand disease, epilepsy, and neurological illnesses are also things to watch out for. Poodles can also be vulnerable to hypothyroidism(low concentrations of thyroid hormones), Cushing’s disease, and Patellar Luxation. In fact, The Poodle Club of America recommends testing for some of the issues mentioned above.13,14

Unfortunately, Poodles are at a high risk of developing cancer, ranging from Lymphomas to Skin. Sadly, cancer affects/kills 29.7 % of Poodles. Cancers can be treated if detected at the proper time, but it can get costly without dog insurance.

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


ConditionRiskCost to Diagnose and Treat
CancerHigh$8,000-$15,000
Gastric Dilation VolvulusHigh$1500-$7500
Hip DyplasiaMedium$1500-$6000
Addison's DiseaseHigh$1,000-$5,000
GalucomaHigh$1400-$1800
EntropionHigh$300-$1,500
Mitral Valve DiseaseMedium$500-$2,000
Corneal DystrophyHigh$300-$3000
Optic Nerve HypoplasiaHigh$100-$300
Sebaceous AdenitisHigh$200-$600

Data Source: Embrace pet Insurance, Eye Specialists for Animals

Other Reasons To Get Dog Insurance For Your Poodle

  • 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 Poodle can spare you a lot of financial trouble. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Poodle’s life.


Best Pet Insurance For Poodles

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

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 Poodle.

Best Overall: Healthy Paws

Why is Healthy Paws a good choice for your Poodle?

There are no caps on payouts when you file a claim under a Healthy Paws insurance plan. 

They have competitive premium prices. We ran a quote for a healthy Poodle at a $500 deductible, with 70% and 80% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $38 and $60, respectively.

Healthy Paws insurance plans come with a number of benefits as they may cover costs for treatment in case of accidents, major and minor illnesses, emergency care, and hereditary health conditions.

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

Once you have paid your maximum deductible, there are unlimited reimbursements, and they pay in as little as two days. 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 fee 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

Embrace Pet Insurance Review: Great For Curable Pre-Existing Conditions

If your Poodle suffers from a curable pre-existing condition Embrace Pet Insurance is your best choice!

Based on our research, when you sign up with Embrace, you can expect to pay between $61 and $99, but prices may vary depending on your location, Poodle’s age, and other factors.

Many pet insurance companies are infamous for not providing coverage for preexisting conditions. This is the key differentiator which distinguishes Embrace as they may provide coverage for conditions they categorize as curable.

From eye care to dental care and accidents, they cover your Poodle for any mishap that might occur. They can cover the expenses of major illnesses like cancer if it is diagnosed after your Poodle’s coverage starts. Embrace also offers after office hours emergency care.

They handle and process the claims in a timely manner, no longer than two weeks. Being a long-term policyholder brings your deductible down to $50 each year if no claims are filed.


PROS
  • Curable pre-existing conditions eligible for coverage
  • Reimburses for preventative veterinary care, grooming, training, and more with no per-item limits payout caps under their optional Wellness Rewards* plan
  • Coverage for exam fees
  • 24/7 PawSupport Pet Health Line to speak with a pet professional
  • BBB rating is A+
  • 10% multiple pet discounts
  • Coverage when traveling outside of the U.S. with your pet
CONS
  • $25 enrollment fee
  • $1.00 monthly transaction fee
  • Requires a 2-day waiting period for accidents
  • Must call for unlimited claim option

*Wellness Rewards not available in Rhode Island.


Best Value: Pets Best Review

Pets Best offers great pet insurance coverage for your Poodle, but that’s also affordable.

To give you an estimate of your monthly premium, we ran a few quotes for a healthy Poodle at a $500 deductible and a 70% and 80% coverage. Based on our research, you can expect to pay between $26 and $47, depending on your location, pet’s age, gender, and other factors.

Pet Best covers dogs in any age bracket. There is no age limit based on the health plans available. Regardless of your Poodle’s age, you can enroll it in the plan of your choice.

They nearly cover all emergencies, accidents, and any illness your pup might be suffering from. You can get access to a health specialist for your pup 24/7 with the helpline provided by them.

Claims are usually processed quickly within a week, especially if you have provided information for direct deposit.


PROS
  • Most affordable coverage pricing
  • BBB Rating: A+
  • 24/7 Pet Helpline to speak with a vet expert
  • Pet travel is covered in the U.S., Canada, and Puerto Rico
  • 30-day money-back guarantee
  • Routine care coverage
  • 5% multi-pet discount
  • No age limits
  • Accident and illness exam fee coverage
CONS
  • 14-day waiting period for illness and 3 days for Accident
  • Premiums increase as pet ages
  • 6-month waiting period for CCL injuries
  • Average claim repayment is longer than the competition

Average Cost of Poodle Vet Bills (Healthy Vet Visit vs Emergencies)

If you own a poodle, there are probably two things that cross your mind when thinking about vet bills: regular vet visit cost vs. emergency visit costs. The table below gives you a good idea of how much you can expect to pay for either type of visit when you don’t have 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 Poodle Puppy

Should you get pet insurance for your Poodle puppy? Here are the top reasons you should consider Poodle puppy insurance.

  • Lower Premiums. Usually younger dogs (puppies) get cheaper premiums compared to older dogs. Pet insurance rates for puppies also depend several factors like the pet’s age, health, breed and location.
  • Covering Future Conditions. If you know your dog breed is genetically susceptible to certain health conditions, the best option is to insured your pet before he is diagnosed or develops any symptoms. Most pet insurance companies do not cover preexisting illnesses. If your puppy develops a sickness (i.e. cancer, allergies, diabetis) when insured, your pet insurance company will cover the cost and any future expenses.
  • Puppies Get in Trouble. Poodle puppies will eat, chew and lick pretty much anything. They are more likely to suffer from accidents and develop viruses and infections because of bacteria.
  • Puppy Vet Bills. Adopting and raising a puppy comes with a lot of expenses, which includes food, vet visits and even toys. According to research, 81% of pet parents spend up to $500 on vet visits in the first year of having a puppy and other first-year pet ownership costs are usually over $1,000 says the ASPCA.

Types of Pet Insurance Coverage

Pet insurers mix and match their policies into three main coverage areas.

Accident Plans: Covers accident-related medical care such as ingestion of foreign objects, poisoning, or if your Poodle 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)

Wellness Plans: It’s also called “routine” or “preventative.” It covers most routine vet visits, such as vaccinations.

You can sign up for 1, 2, or all 3 of these types of coverages, but it will mostly depend on your Poodle’s needs and your finances.

Take a look at the table below to see the most common items covered by each type of pet insurance plan.


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 getting pet Insurance for your Poodle, 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 list of exclusions will vary depending on which pet insurance company and plan you choose.

Pro Tip: Please always READ your policy! Request the full list of exclusions before getting pet insurance. This will ensure your Poodle is fully covered by the plan you pick and help you avoid running into surprises down the road.

How Do I Pick The Right Dog Insurance For My Poodle?

Here are 8 tips to help you choose the best pet insurance policy for your Poodle.

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

Should I Get Poodle Pet Insurance?

Pet Insurance is essential both for the Poodle owner and the pet. It helps pay for medical treatments and surgeries, which can cost you thousands of dollars out of pocket if uninsured.

As they say, “prevention is better than cure” it’s essential to take care of your Poodle health needs. Pet insurance protects against the unforeseen and can save your dog’s life.

If you decide to get pet insurance, read the policy carefully, and understand what the terms and conditions mean before you buy. Choosing the coverage that caters to your dog’s health needs is the best way to ensure good health for your pup.


Resources & References: [1] USA Today,  [2] Value Penguin, [3] Washington Post [4] Animals 24-7 [5] Pet Health Report [6] Standard Poodle Owner [7] Canine Genetics and Epidemiology [8] Embrace, [9] JAVMA, [10] VCA Hospitals [11] AKC, [12] PetMed, [13] Poodle Club of America [14] Health Testing, [15] Breed-Predispositions to Cancer 

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