Best Pet Insurance For Poodles 2023: 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 critical 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 For Poodles

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

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 Poodle.

What Is Pet Poodle 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 them peace of mind and protecting their savings.

How Much Does Pet Insurance Cost For Poodle?

Poodle’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 Poodle is quoted at $45 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 Poodles (5 years old)
  • A young Poodles (1-year-old)
  • A puppy Poodles (3 months old).

Check out our Pet Insurance Comparison table for Poodles below.

Pet Insurance Quotes For Poodles

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50070%Unlimited$55.69Colorado
(zip code: 80023)
MalePoodle5 years
(zip code: 80023)
MalePoodle5 years
Spot Pet Insurance$50070%Unlimited$98.80Colorado
(zip code: 80023)
MalePoodle5 years
Healthy Paws$50080%Unlimited$36.56Utah
(zipcode: 84041)
FemalePoodle1 year
(zip code: 84041)
FemalePoodle1 year
Spot Pet Insurance$50080%Unlimited$86.54Utah
(zip code: 84041)
FemalePoodle1 year
Healthy Paws$50070%Unlimited$39.13Virginia
(zip code: 22310)
FemalePoodle3 months
(zipcode: 22310)
FemalePoodle3 months
Spot Pet Insurance$50070%Unlimited$73.14Virginia
(zipcode: 22310)
FemalePoodle3 months

How Much Can You Expect to Pay For Poodle Canine Insurance?

If you get Pet Insurance for your Poodle, you can expect to pay between $29 to $98 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 Poodles Worth it?

Insuring your Poodle is both an economic and an emotional decision based on factors such as your pet type, risk tolerance, and 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 cost 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 three main reasons you should consider getting pet insurance for your Poodle.

1. Avoid Deciding Between Your Wallet & Your Poodle

USA Today reports that many dog owners have made the terrible decision to euthanize their pups because they didn’t have the money to pay for surgery or treatment.[1] Pet insurance allows you to seek medical care for your sick or injured Poodle without worrying about hurting your finances.

On average, the most common dog treatments cost $252.75, while a more severe and common condition in Poodle, like Cancer, can cost between $8,000 – $15,000 to diagnose and treat.[2]

2. Pet Insurance For Poodle 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 Poodle numbers?

A recent survey found that roughly 90 million dogs live in the United States.[3] So, unfortunately, 33% (1 in 3) of Poodles may need emergency care this year. 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.[4] Sadly, only 61 percent of Americans cannot cover a $1,000 emergency.[5]

A good pet insurance plan will cover most 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 Poodles

Don’t you think you need Pet Insurance for your Poodle? 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 (AA.D.. It also states it’s the top exing autoimmune disorder in this breed. The literature also notes Sebaceous adenitis (SSA) is this breed’s second most common autoimmune disease. 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. 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 miniature Poodles to be more inclined 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.[15] Cancers can be treated if detected at the proper time, but it can get costly without dog insurance.

The following table shows Poodle’s most common health conditions likely to develop.

We also include the level of risk (susceptibility to each health condition) and how much you are expected to pay.

ConditionRiskCost to Diagnose and Treat
Gastric Dilation VolvulusHigh$1500-$7500
Hip DyplasiaMedium$1500-$6000
Addison's DiseaseHigh$1,000-$5,000
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 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

Our rating: 4.8

We named Healthy Paws our best overall pet insurance for your Poodle 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 Poodle 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 $55.

With Healthy Paws, you can start protecting your Poodle at eight 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.


  • You can submit your claim online or via their app
  • Pet are eligible for coverage when they travel with you in the UU.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


  • 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 Poodle 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 Poodle at a $500 deductible and 70%, 80%, and 90% coverage. Based on our research, you can expect to pay between $29 and $33.

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.


  • 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


  • 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 Poodle 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 Poodle 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 $73 and $98, but prices may vary depending on your location, your Poodle’s age, and other factors.

Spot covers you when your Poodle gets hurt unexpectedly, from tooth extractions to torn ligaments. They can also cover Addison’s Disease treatment, which Poodles are prone to, as long as they were diagnosed after coverage.


  • 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


  • 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 Poodle 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.

Poodle Average Vet Bill Cost (Healthy Vet Visits vs Emergencies)

Are you wondering how much you would have to pay out of pocket for regular vet visits and emergencies? Here is a breakdown of the average price for both.

If you don’t have insurance, you are likely to pay similar amounts for either visit.

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

Pet Insurance For Poodle Puppy

Should you get pet insurance for your Poodle puppy?

Here are the top reasons you should consider Poodles 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. Poodle 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 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)

You can sign up for 1 or 2 (or both), but this will mostly depend on your Poodle’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
InjuriesDigestive Issues
teeth cleaning
Routine testing
Eye InjuriesVomiting and diarrheaAnnual exams
Snake BiteArthritisSpay and neuter
Toxin food ingestionParasitesUrinalysis (ERD)

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 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 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 Poodle 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 Poodle?

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

  • Compare the coverage under each plan with your Poodle’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 Poodle 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 Poodle’s age, health, gender, and needs.
  • The earlier you sign your Poodle for pet insurance, typically 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 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 if uninsured.

As they say, “prevention is better than cure” it’s essential to take care of your Poodle’s 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 the terms and conditions before buying. Choosing the coverage that caters to your dog’s health needs is the best way to ensure good health for your pup.

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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] Washington Post [4] Healthy Paws Report [5] CNBC [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 

Editorial Team at Canine Bible | + posts

Canine Bible authorship represents the unified voice of our entire editorial team rather than a single author. Each article, blog post, and review published under the Canine Bible name undergoes a rigorous review process, involving all team members to guarantee accuracy and up-to-date in accordance with the latest veterinarian research. This collaborative effort is an integral part of our editorial process and aligns with our four pillars of content creation. This approach ensures our content is backed by expert knowledge and factual information, offering our readers reliable, actionable, and trustworthy content.

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