The Best Pet Insurance for Poodles in 2025
Lemonade and Pumpkin top our list of best pet insurance companies for poodles.
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Edited byNick Versaw
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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In This Article
If you’re a proud poodle parent, you probably don’t need us to tell you how smart and affectionate your pet is. And you likely had no trouble choosing a name for your poodle that’s as distinctive and original as they are.
But choosing pet insurance for your poodle might not feel as easy. While poodles are generally a healthy breed that can live 10–18 years, they’re prone to some expensive health problems. For example, standard poodles are more at risk of bloat, while miniature and toy varieties have a greater chance of developing orthopedic issues.[1]
Fortunately, pet insurance can help you manage the costs of accidents and illnesses. For example, the national average cost of pet insurance for miniature poodles is around $49 per month, according to Compare.com data. But your rate could be different based on things like your poodle’s age, where you live, and the type of policy you pick.
To help you choose the best pet insurance for your poodle, we evaluated more than a dozen top pet insurance companies. Here’s what we learned about pet insurance for poodles and which companies have the best coverage for the breed’s specific needs.
Key Takeaways
Lemonade has the cheapest insurance for poodles, with average monthly premiums as low as $24 for miniature poodles, and $27 for toy poodles.
Lemonade and Pumpkin are our picks for the best pet insurance companies for poodles.
Insuring your poodle when it’s young can help ensure it has coverage before any serious hereditary conditions develop.
The Best Pet Insurance Companies for Poodles
Poodles are susceptible to developing certain conditions over their lifetimes. And accidents can happen to any pet. But factors like your dog’s age, location, and more can all affect how much you pay to insure your poodle. That means that one company isn’t necessarily the best for every poodle owner.
With that in mind, here are our choices for the best pet insurance for poodles.
Lemonade: Best for affordability
Pros
Lowest average premiums for poodles
Discount for bundling pet and home insurance
Offers mobile claims filing
Cons
Covers behavioral treatment only with an add-on
Doesn’t cover alternative therapies
Not available in every state
Lemonade consistently offers some of the lowest premiums of any pet insurance company. But the insurer doesn’t sacrifice coverage to achieve affordability.
Lemonade offers a good range of plan types with varying coverage, including add-ons for wellness care. Reimbursement options range from 70% to 90%, and annual coverage limits can be as high as $100,000.
The average poodle owner pays around $24 per month to insure a miniature poodle and $27 for toy poodles, according to Compare.com data.
Pumpkin: Best for customer satisfaction
Pros
Covers behavioral issues and dental illnesses
Includes an optional wellness package
No upper age limit for coverage
Cons
Higher premiums than some competitors
Preventive care available only as add-on
14-day waiting period for illnesses
Pumpkin is one of the more expensive options for pet insurance, but many customers seem to feel it’s worth the extra cost — the insurer has a rating of 4.5 stars out of 5 on Trustpilot.
Pumpkin offers accident and illness coverage, with optional wellness benefits. It also covers some things other companies exclude, like behavioral issues, tooth extractions, and prescription food for covered conditions.
The insurer’s average monthly price for miniature poodles is $56 and $59 for toys, according to our data.
Spot: Best for poodles with curable conditions
Pros
Several deductible and reimbursement options
No age restrictions for senior pets
Wellness coverage for vaccinations and dental cleanings
Cons
14-day waiting period for both accidents and illnesses
Doesn’t offer direct payments to vets
No 100% reimbursement option
Multiple insurers will cover pre-existing curable conditions if your pet remains symptom- and treatment-free for 12 months. But Spot Pet Insurance cuts that waiting period to just 180 days.
Spot also offers accident and illness coverage, a lower-cost accident-only plan, and optional wellness add-ons for dogs and cats. It also doesn’t have an age limit, so you can enroll your pet at any stage of life.
Spot’s average monthly price to insure a miniature poodle is $27, and $24 to insure a toy poodle, according to our research.
Healthy Paws: Best for simplicity
Pros
Unlimited annual and lifetime payouts
Quick claims processing
Covers hereditary and congenital conditions
Cons
Doesn’t issue new policies to pets older than 13
No optional wellness plan available
No coverage for exam fees
Healthy Paws keeps things simple with just one comprehensive plan that covers accidents and illnesses with no annual or lifetime limits on payouts. It also gets you reimbursed faster — the insurer says it processes most claims within two days.
But if you’re looking for preventive care, you’ll need to look elsewhere — Healthy Paws doesn’t have any optional add-ons like a wellness plan. The company’s average monthly rate to insure a miniature poodle is $38, according to Compare.com data. For standard poodles, you can expect to pay around $46 per month.
Figo: Best for senior poodles
Pros
No upper age limit for new policies
Multiple reimbursement and deductible options
24/7 virtual vet visits included
Cons
No coverage for pre-existing conditions
Many negative customer reviews about claims
No coverage for prescription food
Figo is one of the few insurers that’ll enroll senior pets in accident and illness policies instead of limiting them to accident-only plans.
The insurer offers reimbursement rates of 70%, 80%, and 90%. It also has unlimited annual coverage, or you can choose limits of $5,000 or $10,000. Deductible choices range from $100 to $1,500. Add-ons include coverage for vet exam fees and wellness plans.
Figo’s national average rate to insure mini poodles is $45 per month, according to our data.
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The Cheapest Pet Insurance Companies for Poodles
How much you pay to insure your poodle will depend on a few things: your dog’s age, your ZIP code, your poodle’s health, and the coverage you choose.
We pulled recent sample quotes from top pet insurance companies to help you compare your options. The table below shows average monthly rates for miniature poodles so you can get a sense of which companies offer the most affordable coverage.
The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT.
Company  | Average Monthly Premium |
|---|---|
| Lemonade | $24 |
| Spot | $27 |
| ASPCA | $33 |
| Healthy Paws | $38 |
| Prudent Pet | $40 |
| Figo | $45 |
| Pumpkin | $56 |
What Pet Insurance Covers for Poodles
Even though poodles are a generally hearty breed, they can face some health issues specific to them. For example, standard poodles are prone to sebaceous adenitis, a skin condition that can lead to itching, hair loss, and even scarring.[2] It’s not curable, but you can control it with lifelong treatment.
Most comprehensive accident and illness pet insurance plans cover chronic conditions like this, as long as they aren’t pre-existing and develop after the policy’s waiting period. Some insurers also offer coverage for hereditary and congenital conditions, though a few may apply longer waiting periods or exclude certain issues.
Here are a few common health problems that affect poodles, along with what treatment might cost you without insurance.[3][4][5][6][7][8][9][10]
Condition | Average Treatment Cost |
|---|---|
| Hip dysplasia | $1,700–$4,500+ |
| Progressive retinal atrophy | Untreatable, but diagnosing the disease could cost hundreds |
| Epilepsy | $200–$5,000 annually |
| Sebaceous adenitis | $200–$800 |
| Bloat (gastric dilatation-volvulus) | $2,500–$7,500 |
| Addison’s disease | $50–$200 per month |
| Luxating patella | $1,000–$3,000 per knee |
| Ear infections | $50–$250 |
How pet insurance covers your poodle’s vet bills
Most comprehensive pet insurance plans cover these conditions if they happen after the policy waiting period and aren’t pre-existing. Poodles tend to face more genetic conditions than other breeds, with hip dysplasia and progressive retinal atrophy being among the most common hereditary issues.
Many pet insurance companies offer coverage for hereditary and congenital conditions. But some may have waiting periods specifically for these conditions, or they might exclude certain genetic issues.
How a few key policy factors that affect how your coverage works:
Deductible: This is what you pay before your insurance kicks in.[11] A higher deductible usually means a lower monthly premium but more out-of-pocket costs when your poodle needs care. You can usually choose your deductible amount when you enroll your poodle in a policy — most range from $0–$1,000.
Reimbursement level: Most plans cover 70% to 90% of eligible vet bills after you meet your deductible. But some pet insurance policies offer 100% reimbursement as an option. A higher reimbursement rate means you’ll get more of your money back, but you’ll also pay higher premiums.
Payout limits: Some plans cap how much they’ll pay per year or for certain conditions over your pet’s lifetime. If you want maximum protection, look for a policy with unlimited payouts — just know that it may cost more.
Understanding how these factors work together can help you choose a policy that fits both your poodle’s needs and your budget.
Other Coverages to Consider for Your Poodle
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Beyond basic accident and illness coverage, you can customize your poodle’s insurance plan with a few useful add-ons. They’re worth considering for most poodle parents, especially if you want help covering preventive care or managing breed-specific health concerns.
Here’s an overview of each type of coverage:
Wellness and preventive care
Wellness add-ons help cover routine vet expenses, like annual checkups, vaccines, and dental cleanings. Most standard accident and illness policies don’t include coverage for routine care. But wellness coverage could be especially helpful for poodles, which benefit from regular grooming and dental care.
Wellness plans can also reimburse you for preventive costs, which can help catch health issues early and potentially save you money later.
Exam fee coverage
Vet exam fees can add up quickly, especially if your poodle needs to see a specialist. Adding exam fee coverage to your plan means you’ll get reimbursement for those charges, whether the visit is for an accident or an illness.
Alternative therapies
Some pet insurance companies also offer optional coverage for alternative treatments, including acupuncture, chiropractic care, and hydrotherapy. These therapies can be helpful if your poodle develops joint or mobility problems later in life.
24/7 vet helplines
Many insurers offer a 24/7 telehealth line as part of their coverage or as a low-cost add-on. It gives you anytime access to licensed vets who can answer questions about your poodle’s symptoms or behavior, even in the middle of the night.
By choosing the right mix of add-ons, you can build a more complete plan that helps cover both everyday care and unexpected emergencies.
How to Find the Right Pet Insurance for Your Poodle
Choosing the best pet insurance for your poodle comes down to finding the right balance between coverage and cost while keeping your dog’s health needs in mind.
Start with your poodle’s age and medical history. If your poodle is a puppy, it’s a good idea to get comprehensive pet insurance before any potential congenital or hereditary health issues develop. If your poodle starts to show symptoms before you insure it, your insurer will consider them pre-existing and likely won’t cover them.
Be sure to check whether a company covers common poodle health conditions and whether it has waiting periods before coverage kicks in.
Shop around to find the best fit
Comparing pet insurance quotes side by side is the easiest way to find a policy that fits your needs and budget. Be sure to read the fine print — especially the exclusions and waiting periods — so you know exactly what your plan will and won’t cover.
With the right plan, you can focus less on vet bills and more on keeping your poodle happy and healthy for years to come.
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How Your Poodle’s Age Affects Insurance Costs
Your poodle’s age is one of the biggest factors affecting your monthly premium. Younger dogs are cheaper to insure since they’re less likely to have health issues. Adult and senior poodles tend to cost more due to the increased risk of illness, injury, and chronic conditions. Some insurers even limit new policies for older dogs or restrict coverage options.
Check out the table below to see how average rates vary depending on your dog’s age.
Age | Average Monthly Premium |
|---|---|
| Young | $39 |
| Adult | $46 |
| Senior | $103 |
Enrolling your poodle in pet insurance while it’s still young can help lock in lower rates and ensure coverage for future health needs.
How Your Location Affects Insurance Costs
Your location also affects pet insurance premiums because vet care costs, treatment prices, and even accident risks vary by region. And since states regulate pet insurance individually, local laws can also affect how much you pay.
For example, if you live in a city with a high cost of living or access to advanced veterinary care, your premiums will likely be higher than someone in a more rural or suburban area.[12] That’s because vet services — like diagnostics, medications, and emergency care — tend to cost more in metro areas, and insurers adjust premiums to reflect those local expenses.
Rates can also be higher in places where dogs face a greater risk of illness or injury. Areas with lots of traffic, higher accident rates, or regional health risks like tick-borne diseases can all lead to more claims, which drives up the cost of coverage.
Even within the same state, your ZIP code can make a difference. That’s because veterinary prices can vary between neighborhoods, and insurers use that data when calculating your rate.
To give you a better idea of what you can expect to pay in your area, the table below shows how average monthly premiums for poodles vary by state, according to our data.
State | Average Monthly Premium |
|---|---|
| Alabama | $62 |
| Arizona | $84 |
| Arkansas | $20 |
| Colorado | $32 |
| Florida | $40 |
| Illinois | $42 |
| Iowa | $40 |
| Louisiana | $34 |
| Maryland | $56 |
| Michigan | $30 |
| New Jersey | $38 |
| New York | $49 |
| North Carolina | $31 |
| Ohio | $78 |
| Pennsylvania | $44 |
| Virginia | $35 |
| Wisconsin | $34 |
| U.S. National Average | $49 |
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FAQs About Pet Insurance for Poodles
Pet insurance premiums can vary widely among companies, from state to state, and based on your pet’s age and overall health. It’s a good idea to compare quotes from multiple pet insurance companies before choosing one for your poodle.
To get you started, here’s some additional information about pet insurance for poodles.
On average, pet insurance for a poodle costs around $49 per month for a comprehensive plan, depending on your dog’s age, your location, and your coverage selections. Basic accident-only plans may cost less but won’t cover breed-specific illnesses. Premiums can also vary significantly by ZIP code and local veterinary pricing.
Most comprehensive pet insurance plans cover accidents, like broken bones or eating something they shouldn’t, and illnesses, such as pancreatitis or a luxating patella. Plans typically also cover diagnostics, surgeries, and treatments. Many policies also include hereditary and congenital conditions, and some offer optional wellness add-ons for routine care.
Typically, yes. Most accident and illness policies cover hereditary and congenital disorders, as long as your poodle shows no related signs or symptoms before the policy’s effective date. Standard poodles have a known predisposition to conditions like Addison’s disease, hip dysplasia, and sebaceous adenitis, so it’s a good idea to insure them early in their lives before any potential issues develop.
Pre-existing conditions are any illness that your poodle had symptoms of, was diagnosed with before your policy started, or that emerged during the waiting period. Typically, insurers won’t cover pre-existing conditions.[13] But some insurance companies will cover curable pre-existing conditions as long as your pet remains symptom- and treatment-free for 12 months.
You can often enroll your poodle as early as 8 weeks old, and many insurers have no maximum age limit for enrollment. But some companies will enroll older dogs (typically 9 and older) only in accident-only plans.
Insurance companies consider breed-specific risk factors when setting rates. Because poodles are more likely to have certain genetic and chronic conditions, their premiums may be slightly higher than those of breeds with lower risk profiles.
No. Pet insurers usually won’t raise your individual premiums based on the number or cost of claims you file. Factors like your pet’s age, geographic region, and overall market trends in veterinary care costs are the main drivers of changes in pet insurance premiums.
Sources
- American Kennel Club (AKC). "Poodle (Standard)."
- PetMD. "Sebaceous Adenitis in Dogs."
- CareCredit. "Dog Hip Dysplasia Surgery Cost and Financing."
- PetMD. "Progressive Retinal Atrophy (PRA) In Dogs."
- Embrace Pet Insurance. "Epilepsy and Seizures."
- Wag!. "Sebaceous Adenitis in Dogs."
- MetLife Pet Insurance. "Bloat in Dogs: Causes, Symptoms, & Surgery Cost."
- Embrace Pet Insurance. "Addison's Disease (Hypoadrenocorticism) in Dogs."
- PetMD. "Luxating Patella in Dogs: What Is It, and How Is It Treated?."
- Dogster. "How Much Does Dog Ear Infection Medicine Cost? 2025 Update."
- National Association of Insurance Commissioners (NAIC). "Glossary of Insurance Terms."
- PetMD. "How Much Does Pet Insurance Cost?."
- PetMD. "Does Pet Insurance Cover Pre-Existing Conditions?."