Best Pet Insurance For Poodles 2023: Cost, Quotes & FAQs
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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!
- Top Picks Insurance
- What Is Pet Poodle Insurance?
- How Much Will I Pay?
- Is Poodle Pet Insurance Worth It?
- Best Poodle Pet Insurance Reviews
- Average Cost of Healthy Vet Visits & Emergencies
- Pet Insurance For Poodle Puppy
- Pet Insurance Types
- What Is Not Covered
- How to Pick Pet Insurance
- Should I Get Poodle Pet Insurance
The Best Pet Insurance For Poodles
Here are Canine Bible’s top picks for the best pet insurance for Poodles.
Best Pre-Existing Conditions
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.
Check out our Pet Insurance Comparison table for Poodles below.
Pet Insurance Quotes For Poodles
| Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
|---|---|---|---|---|---|---|---|---|
| Healthy Paws | $500 | 70% | Unlimited | $55.69 | Colorado (zip code: 80023) | Male | Poodle | 5 years |
| Lemonade | $500 | 70% | $100,000 | $29.49 | Colorado (zip code: 80023) | Male | Poodle | 5 years |
| Spot Pet Insurance | $500 | 70% | Unlimited | $98.80 | Colorado (zip code: 80023) | Male | Poodle | 5 years |
| Healthy Paws | $500 | 80% | Unlimited | $36.56 | Utah (zipcode: 84041) | Female | Poodle | 1 year |
| Lemonade | $500 | 80% | $100,000 | $32.59 | Utah (zip code: 84041) | Female | Poodle | 1 year |
| Spot Pet Insurance | $500 | 80% | Unlimited | $86.54 | Utah (zip code: 84041) | Female | Poodle | 1 year |
| Healthy Paws | $500 | 70% | Unlimited | $39.13 | Virginia (zip code: 22310) | Female | Poodle | 3 months |
| Lemonade | $500 | 70% | $100,000 | $33.44 | Virginia (zipcode: 22310) | Female | Poodle | 3 months |
| Spot Pet Insurance | $500 | 70% | Unlimited | $73.14 | Virginia (zipcode: 22310) | Female | Poodle | 3 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.
| Condition | Risk | Cost to Diagnose and Treat |
|---|---|---|
| Cancer | High | $8,000-$15,000 |
| Gastric Dilation Volvulus | High | $1500-$7500 |
| Hip Dyplasia | Medium | $1500-$6000 |
| Addison's Disease | High | $1,000-$5,000 |
| Galucoma | High | $1400-$1800 |
| Entropion | High | $300-$1,500 |
| Mitral Valve Disease | Medium | $500-$2,000 |
| Corneal Dystrophy | High | $300-$3000 |
| Optic Nerve Hypoplasia | High | $100-$300 |
| Sebaceous Adenitis | High | $200-$600 |
Data Source: Embrace pet Insurance, Eye Specialists for Animals
Other Reasons To Get Dog Insurance For Your Poodle
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
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.
Pros
Cons
Best Value — Lemonade Pet Insurance
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.
Pros
Cons
Most Customizable Plans — Spot Insurance
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.
Pros
Cons
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
Emergency Vet Visits
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.
Types of Pet Insurance Coverage
What does pet insurance cover? It depends on your plan. There are two main types of pet insurance plans.
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 Coverage | Illness Coverage | Wellness Coverage |
|---|---|---|
| Broken bones | Obesity | Flea, tick and worm treatments |
| Torn ligaments | UTIs | Rabies |
| Bite wounds | Cancer | Microchip |
| Poisoning | Hypothyroidism | De-worming |
| Injuries | Digestive Issues | teeth cleaning |
| Emergencies | IVDD | Routine testing |
| Eye Injuries | Vomiting and diarrhea | Annual exams |
| Snake Bite | Arthritis | Spay and neuter |
| Toxin food ingestion | Parasites | Urinalysis (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:
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.
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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