The Goldendoodle is known for having the friendliness of a Golden Retriever and the brains of a Poodle. This cross-bred “designer” dog has soared in popularity over the last decade for its adorable and family-friendly presence. Unfortunately, Goldendoodles are prone to many health conditions they can inherit from one or both of their parent breeds.
Allergies, canine bloat, hip dysplasia, ligament ruptures, heart problems, intervertebral disc disease (IVDD), and cancer are just a few of the major health issues that this breed is prone to. It can be very costly and emotionally draining to take care of your dog’s medical needs. Nevertheless, a significant portion of your Doodle’s veterinary expenses can be covered by pet insurance, which can ease these concerns.
Leaning on my 10 years of experience with pet insurance and breed health issues, I’ll take you through the most common health issues Goldendoodles face and the corresponding vet expenses. I’ll also assist you in finding the ideal insurance providers for Doodles.
Best Pet Insurance For Goldendoodles
First, to clarify, this guide is for standard Goldendoodles rather than miniature Goldendoodles. Mini GDs are most commonly bred with Golden Retrievers and Miniature Poodles, who have some differing health issues compared to Standard Poodles.
Purebred and designer crossbred dogs have specific pet insurance needs. I’ve done thorough research to identify the best pet insurance options tailored to Goldendoodles. In selecting these insurers,I took into account various factors such as coverage and benefits,health issues that affect this breed,the age of the dog,premium prices,and other important aspects to help you make a well-informed choice.
Best For Orthopedic Conditions:Pets Best
- Policy Options:Accident-Only,Accident &Illness,Wellness
- Annual Deductible Options:$50,$100,$200,$250,$500,$1,000
- Annual Payout Options:$5,000,Unlimited
- Reimbursement Options:70%,80%,90%
Why I Picked Pets Best
Goldendoodles are at risk for a myriad of orthopedic problems inherited by either or both its parent breeds. These include elbow and hip dysplasia,IVDD,degenerative myelopathy (DM),and more. All of these conditions can cause significant mobility issues,decreasing a dog’s quality of life. Many top pet insurance companies have 6-month waiting periods for elbow/hip dysplasia,IVDD,and DM,however,Pets Best’s is only 14 days.
Pets Best is also a fantastic choice for Doodles due to its wide range of policies,all at budget-friendly prices.They provide three levels of accident and illness coverage and customizable options for your deductible,reimbursement percentage,and yearly payout. This flexibility lets you tailor a policy that fits your financial situation perfectly. Plus,they are among the few insurers offering an accident-only plan.
Expert Price Analysis
Pets Best Goldendoodle premiums were consistently among the least expensive quotesI ran for varying ages and locations with all levels of coverage. This was also the case when I tacked on coverage for vet exam fees and complementary care.
| Pros | Cons |
|---|---|
| Among the least expensive policy pricing | Takes longer to process claims than many (18-30 days) |
| Offers an accident-only plan | Coverage for vet exam fees and complementary care* necessitate plan upgrades |
| Multi-pet discount of 5% | 6-month waiting period for CCL coverage (only available in accident and illness plan) |
| Includes coverage for curable pre-existing conditions once they’ve healed | |
| Much shorter than average 14-day waiting period for most orthopedic conditions | |
| 3-day waiting period for accidents | |
| 2 wellness plan add-ons to choose from | |
| Doesn’t impose age restrictions for older dogs |
In-Depth Review Of Pets Best
To discover more about this insurer’s plan and customization options,coverage,waiting periods,and more,read my comprehensive review of Pets Best.
Most Extensive Coverage:Fetch
- Policy Options:Accident &Illness,Wellness
- AnnualDeductible Options:$250,$300,$400,$500,$700
- Annual Payout Options:$5,000,$10,000,$15,000
- Reimbursement Options:70%,80%,90%
Why I Picked Fetch
For Doodle owners seeking comprehensive coverage without the need for add-ons,Fetch provides excellent all-inclusive policies. Their plans have few exclusions and cover items such as dental disease,behavioral therapy,complementary care,sick exam fees,curable pre-existing conditions,and C-sections.With many other providers,this level of coverage usually requires added costs or,in some cases,isn’t available at all.
Fetch also provides unique benefitsyou won’t find in other insurers’ policies. These benefits include virtual veterinary consultations for up to $1,000 annually,trip cancellation if your pup becomes ill and much more. You can also feel secure knowing that Fetch offers pre-approval of procedures and price estimates before treatment.
Expert Price Analysis
When I compared quotes for Goldendoodles of different ages and regions,I found that Fetch’s pricing was often below average to average for younger Doodles. However,rates were typically higher for older dogs.
| Pros | Cons |
|---|---|
| Plans include coverage for dental benefits,vet exam costs,complementary care,behavioral therapy,and C-sections | 15-day waiting period for accidents (longer than average) |
| Covers pre-existing conditions that can be healed after a year without symptoms | Waiting periods of 6 months for CCL ruptures and hip dysplasia |
| Many unique benefits ($1,000 for virtual vet consultations,pet boarding,etc.) | No multi-pet discount |
| Offers a wellness plan add-on | Excludes coverage for IVDD in some cases* |
| Get pre-approval of treatment procedures and costs | |
| Doesn’t impose age restrictions for older dogs |
In-Depth Review Of Fetch
Check out my detailed review of Fetch,where I explore its extensive coverage,unique benefits,wellness plan option,reimbursement process,and more.
Best For Unlimited Payouts:Healthy Paws
- Policy Options:Accident &Illness
- Annual Deductible Options:$100,$250,$500,$750,$1,000
- Annual Payout Options:Unlimited
- Reimbursement Options:50%,60%,70%,80%,90%
Why I Picked Healthy Paws
Healthy Paws provides unlimited annual payouts across all its policies,alleviating worries about reaching a coverage limit. When you compare it to other insurance providers offering the same deductible,reimbursement,and unlimited payouts,Healthy Paws is frequently the more budget-friendly choice.This is particularly advantageous for Goldendoodle owners,as the breed is prone to various expensive health issues. Choosing Healthy Paws is wise for pet parents who seek the peace of mind that comes with unlimited coverage while keeping an eye on their expenses.
Expert Price Analysis
Healthy Paws only offers unlimited payouts,making it challenging to compare its premium rates directly with those of other insurance companies. However,I discovered that the pricing for its Goldendoodle coverage is frequently comparable to or slightly higher than some other providers’ policies with a $5,000 payout,along with similar deductibles and reimbursement choices.
| Pros | Cons |
|---|---|
| All policies have unlimited payouts | Limited customization options for older dogs |
| Some of the lowest prices for plans with unlimited payouts and comparable coverage | Some are ineligible for insurance based on age and location |
| Includes complementary therapies | No coverage options for vet exam costs and behavioral therapies |
| Fast claim processing average of 2 days | Hip dysplasia coverage is excluded for dogs who enroll at age 6 or older |
| 15-day waiting period for IVDD,CCL tears,and DM (shorter than average) | Lengthy 12-month waiting period for hip dysplasia coverage |
| Consistently top-rated for customer satisfaction |
In-Depth Review Of Healthy Paws
Discover additional information regarding this insurer’s coverage,exclusions,customization possibilities,waiting periods,and more in my thorough review of Healthy Paws.
Best For Customizable Plans:Figo
- Policy Options:Accident &Illness,Wellness
- AnnualDeductible Options:$100,$250,$500,$750
- Annual Payout Options:$5,000,$10,000,Unlimited
- Reimbursement Options:70%,80%,90%,100%
Why I Picked Figo
Figo provides a range of options to help you secure the perfect plan for your Goldendoodle. Three pre-configured plans for accidents and illnesses are available to you,one of which is the affordable Value Plus plan. You can also design your plan by choosing the annual payout,reimbursement,and deductible that best suits your financial situation. Furthermore,Figo is among the few insurance providers that offer 100% reimbursement.In addition,all Figo plans include coverage for dental benefits,complementary care,curable pre-existing conditions,and behavioral therapy.
Expert Price Analysis
When I obtained quotes for different Goldendoodles for lower coverage ($750 deductible,70% reimbursement,and $5,000 payouts),Figo frequently had average prices.Still,occasionally,it was just a few dollars away from being the lowest.On the other hand,when I maxed out coverage with a $100 deductible,90% reimbursement,and unlimited annual payouts,the cost was more than with other insurers.
| Pros | Cons |
|---|---|
| Fantastic customization choices,with a 100% reimbursement option | Added cost for veterinary exam fee coverage |
| Industry-leading 1-day accident waiting period | Waiting periods of 6 months for IVDD,CCL ruptures,DM,and hip dysplasia |
| Plans include dental benefits and coverage for complementary and behavioral therapy | |
| Covers pre-existing conditions that can be healed after a year without symptoms | |
| Offers a wellness plan add-on | |
| Diminishing deductible of $50 each year you’re claim-free | |
| Fast claim processing average of 3 days | |
| Multi-pet discount of 5% | |
| Doesn’t impose age restrictions for older dogs |
In-Depth Review Of Figo
Read my extensive review of Figo where I provide more detailed information about this insurer’s features,including my own experience as a customer.
Best For Goldendoodle Puppies:Embrace
- Policy Options:Accident-Only,Accident &Illness,Wellness
- AnnualDeductible Options:$100,$250,$500,$750,$1,000
- Annual Payout Options:$2,000,$5,000,$8,000,$10,000,$15,000,Unlimited
- Reimbursement Options:70%,80%,90%
Why I Picked Embrace
Embrace stands out from many other pet insurance providers by allowing you to enroll your puppy as young as six weeks,while most require pets to be at least eight weeks old. With just a two-day waiting period for accidents,your playful Doodle will be protected if he gets injured while having fun or accidentally swallows something he shouldn’t (Goldendoodles tend to get into trouble more than many breeds). Plus,Embrace offers some of the most extensive accident and illness coverage available.
Every policy includes $1,000 for annual dental illness care and complementary and behavioral therapies coverage. You can also enhance your plan by including prescription medications and veterinary exam fees. With its annual diminishing deductiblefeature,Embrace is also an excellent option for puppy owners for years to come.
Expert Price Analysis
Based on the quotes I ran,Embrace consistently offered some of the most affordable premium prices for Goldendoodle puppy insurance. This was the case with low and high coverage options.
| Pros | Cons |
|---|---|
| Among the most affordable premiums for Goldendoodle puppies | Added costs for veterinary exam fee and prescription medication coverage |
| Plans include complementary and behavioral therapies and $1,000 for dental illness | Some Goldendoodles are ineligible for insurance based on age and location |
| Multi-pet discount of 10% | Waiting periods of 6 months for IVDD,CCL ruptures,DM,and hip dysplasia |
| Diminishing deductible of $50 each year you’re claim-free | |
| Covers pre-existing conditions that can be healed after a year without symptoms | |
| Fast claim processing average of 5 days | |
| Multiple wellness plan add-ons to choose from |
In-Depth Review Of Embrace
You can discover more about this insurer’s coverage,numerous customization options,add-ons,waiting periods,and more in my complete review of Embrace.
Most Affordable:Lemonade
- Policy Options:Accident &Illness,Wellness
- Annual Deductible Options:$100,$250,$500
- Annual Payout Options:$5,000,$10,000,$20,000,$50,000,$100,000
- Reimbursement Options:70%,80%,90%
Lemonade Pet Insurance Is NOT Available In:AK,AZ,DE,HI,ID,KS,KY,LA,ME,MN,MT,WV,WY
Why I Picked Lemonade
Lemonade is an excellent option for cost-conscious Goldendoodle ownersbecause of its reputation for affordable prices. Its entry-level plan is frequently among the most reasonably priced in the pet insurance industry. Lemonade offers separate,reasonably priced add-ons if you’d like more comprehensive coverage.Your upgradable coverage options include vet exam costs,dental illness,complementary and behavioral therapies,and end-of-life care. You have a lot of flexibility to customize your Doodle’s insurance to fit your budget with this à-la-carte approach.
Lemonade has quickly garnered favorable recognition since making its market debut in the pet insurance sector in 2020. Though it is a relatively new provider compared to the others in this article,it has received excellent customer feedback,especially regarding how quickly it can process claims in some cases.
Expert Price Analysis
When I compared quotes from leading insurers,I discovered that Lemonade regularly offered some of the most reasonable rates for Goldendoodles,regardless of their age or location.Even after accounting for veterinary examination costs,this pattern persisted. Notably,Lemonade offers incredibly affordable prices for senior Doodles.
| Pros | Cons |
|---|---|
| One of the most budget-friendly options for Goldendoodle premium pricing | Only available in 37 states and Washington,DC |
| Multi-pet discount of 5% | Coverage for veterinary exam costs,dental benefits,complementary care,and behavioral therapy necessitate additional premium fees |
| Fast claim processing average of 2 days | 6-month waiting period for CCL tears |
| Covers pre-existing conditions that can be healed after a year without symptoms | |
| 2 affordable wellness add-on plans to choose from | |
| 30-day waiting periods for hip dysplasia,IVDD,and DM coverage are shorter than many |
In-Depth Review Of Lemonade
Read my in-depth review of Lemonade to find out more about this provider’s add-on and customization choices,waiting periods,wellness plans,fast reimbursement process,and more.
Best For Pre-Existing Bilateral Conditions:Trupanion
- Policy Options:Accident &Illness
- Per-IncidentDeductible Options:$0 – $1,000 (in $5 increments)
- Annual Payout Options:Unlimited
- Reimbursement Options:50%,60%,70%,80%,90%,100%
Why I Picked Trupanion
Trupanion’s policies stand apart from the pack because they haveno bilateral exclusions (diseases or conditions that may affect both sides of the body).This is especially important for breeds like Goldendoodles,as they are more likely to develop bilateral conditions like hip dysplasia,CCL ruptures,cataracts,and glaucoma. Bilateral exclusions are standard in many pet insurance plans. This means that if hip dysplasia is discovered in your Doodle on the right side before the policy’s start date,it will be excluded on the left side. Not so with Trupanion. These bilateral conditions can be highly expensive,but you can save significant money by choosing Trupanion’s coverage.
Expert Price Analysis
Because the annual payouts for all Trupanion plans are unlimited,comparing the cost of the same coverage with other insurers is challenging. Even so,Trupanion’s Goldendoodle premiums were significantly more expensive—sometimes two or three times more—than those of other pet insurers for the identical dog.
| Pros | Cons |
|---|---|
| All policies have unlimited payouts | Very expensive premiums for Goldendoodles |
| To avoid waiting for reimbursement,Trupanion can pay your veterinarian directly | No coverage options for vet exam costs |
| Doesn’t exclude any pre-existing bilateral conditions | Much longer than average 30-day waiting period for illnesses |
| Covers pre-existing conditions that can be healed after a year without symptoms | |
| Some states have $0 deductible and 100% reimbursement options | |
| Fast claim processing average of 2 days | |
| 30-day waiting periods for hip dysplasia,IVDD,CCL,and DM coverage are shorter than many |
In-Depth Review Of Trupanion
Take a look at my in-depth review of Trupanion to learn more about the coverage they offer,customization choices,waiting periods,direct vet payments,and additional details.
What Type Of Pet Insurance Plan Is Best For Goldendoodles?
There are typically two kinds of pet insurance plans:accident-only and accident and illness. Additionally,some providers offer optional wellness plans that you can tack onto your insurance policy. However,it’s vital to remember that these plans are not insurance products. That being said,I have included them here to give you information about options for your Doodle,as they are occasionally available during enrollment.
| Accident-Only | Accident &Illness | Wellness | |
|---|---|---|---|
| Injuries (canine bloat,foreign object ingestion,wounds,sprains,broken bones,etc.) |  | | |
| Diseases(allergies,hip dysplasia,heart disease,cancer,hereditary eye disorders,Addison’s disease,etc.) | | ||
| Preventative(routine vet exams,vaccines,parasite prevention,professional dental cleaning,etc.) | |
What Are Accident-Only Pet Insurance Plans?
Accident-only pet insurance plans exist to assist you with emergency medical treatment expenses if your pet experiences unforeseen injuries or accidents.This can encompass situations like intestinal blockages from ingesting foreign objects,canine bloat,cuts and wounds,accidental poisoning,fractures,and various other non-illness-related emergencies.
If you’re keeping a watchful eye on your budget or if your pup has several pre-existing conditions that wouldn’t be included in a more comprehensive insurance plan,you may want to consider an accident-only policy. Just remember,these plans won’t cover illnesses or genetic problems,and only a few providers offer them.
Pricing Tip– Generally,accident-only insurance policies have cheaper premiums than accident and illness plans.
What Are Accident &Illness Pet Insurance Plans?
Accident and illness pet insurance plans offer extensive protection for various medical challenges your furry friend might encounter. This encompasses physical injuries,illnesses,and hereditary conditionsthat can impact Goldendoodles,including hip dysplasia,heart and eye issues,Addison’s disease,hypothyroidism,IVDD,epilepsy,and more. With this insurance,you’ll be well-equipped to financially handle almost any health concern for your dog.
What Are Wellness Plans?
To effectively manage your pet’s well-being,including a wellness plan with your insurance policy is helpful in many ways. These plans help cover the cost of annual physical examinations,vaccinations,professional dental cleanings,parasite prevention,and other regular preventive care. A wellness plan can ease financial worries and improve your dog’s well-being.
Understand that pet wellness plans and pet insurance are different products. Wellness plans focus solely on preventive care expenses and do not cover accidents,illnesses,or hereditary conditions.
What Does Pet Insurance Cover &Exclude?
The insurance provider you select and the specific policy you choose influence the level of coverage your pet insurance provides. Accident and illness policies typically cover the following items,provided a veterinarian confirms they are medically necessary. However,be aware that there may be limitations on this coverage,so it’s essential to thoroughly review the fine print of any policy.
| Covered | Excluded |
|---|---|
| Blood tests | Boarding |
| Cancer (chemo &radiation) | Cremation &burial costs |
| CT scans | Elective procedures (e.g.,declawing,ear cropping,spaying/neutering,tail docking,etc.) |
| Chronic conditions | Food &supplements |
| Congenital conditions | Grooming |
| Emergency care | Pre-existing conditions* |
| Euthanasia | Pregnancy &breeding |
| Hereditary conditions | Vaccines |
| MRIs | |
| Non-routine dental treatment | |
| Prescription medications | |
| Rehabilitation | |
| Specialized exams &care | |
| Surgery &hospitalization | |
| Ultrasounds | |
| X-rays |
Learn More About Pet Insurance Coverage
Understanding the nitty-gritty details of coverage and exclusions can be challenging,so I recommend checking out my detailed guide on pet insurance coverage to help you decipher it all.
What Determines The Cost Of Pet Insurance For Goldendoodles?
Pet insurance costs vary based on several variables,including your residence,your dog’s age,the insurance companies’ underwriting specifications,and more. I’ve provided an overview of these factors below.
- The age of your dog will have a significant impact on the cost of your pet insurance. For instance,as dogs get older,their premiums increase because they are more likely to experience health issues than younger dogs.
- Pet insurance premiums are also influenced by the cost of living in your area. Higher living expenses impact both you and your veterinarian. So,if you live in a high-cost area,you should anticipate paying more for both pet insurance and veterinary care.
- Another significant factor affecting insurance prices is the breed of your dog. Some breeds and crossbreeds are more prone to health issues than others.
- Thegender of your dog may have an impact on premium costs. Because they are larger than females,males can be more expensive to insure than females. However,not all insurance providers raise their rates in response to the dog’s gender.
You may be unable to influence every aspect that factors into your policy’s cost. Still,most insurers offer you a wide range of options to tailor your coverage to your dog’s requirements and your financial situation. I’ll explain how this all works below.
Customization Options Affect Cost &Benefits
Most pet insurance providers give you options to customize your maximum payout,reimbursement rate,and deductible to design a plan that best meets your needs. Understanding how these modifications impact your benefits and coverage is crucial.
What Is The Maximum Payout?
Payouts come in two types:annual or lifetime. The maximum amount the insurance company will pay out over a yearly policy is known as an annual payout. Most providers have annual payouts.The maximum amount the insurance will pay out over the pet’s insured life is known as a lifetime payout. The most common annual payout amounts offered by pet insurance companies are $5,000,$10,000,and unlimited.
Pricing Tip– Selecting a lower payout reduces your monthly premium;however,if your dog needs extremely expensive medical treatment in one year,you may exceed your annual payout limit.
Is The Deductible Annual Or Per-Incident?
The deductible represents the amount of the vet bill you need to cover out of your pocket before the insurance company reimburses you.Deductibles usually range from $100 to $1,000,the most typical being $100,$250,and $500. Pet insurance has two types of deductibles:annual and per-incident. Here’s how they differ.
- Annual deductible:An annual deductible is the fixed amount that,regardless of the number of health problems or treatments needed,you must pay each policy year if your dog requires veterinary care. You can more effectively manage your pet’s medical care expenses with this set annual amount. Nearly all providers have annual deductibles.
- Per-incident deductible:Each time your pet requires medical attention for a new health issue,you will be responsible for paying a per-incident deductible. This kind of deductible can mount up quickly if your dog experiences multiple medical problems in one year. For chronic ailments like allergies,arthritis,hypothyroidism,and heart disease,however,this deductible may be financially advantageous as you only have to pay it once throughout your pet’s insured lifetime. Trupanion has a per-incident deductible.
Pricing Tip – Choosing a lower deductible results in a higher monthly premium.
What’s The Reimbursement Percentage?
The reimbursement rate is the percentage of your veterinary bills the provider reimburses you for after you pay your deductible. Reimbursement percentages of 70%,80%,and 90% are typical. For instance,if you choose an 80% reimbursement rate,you’ll first be responsible for meeting your deductible,and then you’ll only have to pay 20% of the total vet bill.
Pricing Tip– A higher reimbursement rate increases your monthly premium,but your out-of-pocket treatment costs will be lower.
Learn More About Pet Insurance Costs
See my guide on pet insurance costs for more details on how different customization options impact your benefits,along with some specific examples.
How Much Is Pet Insurance For Goldendoodles?
For an accurate pet insurance quote for your Goldendoodle,please enter your zip code and your dog’s details below. We will offer tailored insurance quotes from various providers just for your Doodle. While reviewing the sample quotes below for Goldendoodles from different regions in the U.S. can be helpful,remember that the insurance cost for your dog may differ based on their individual requirements.
According to NAPHIA (North American Pet Health Insurance Association),the average monthly premium for an accident and illness dog insurance policy in the U.S. is $56.30 ($31.94 for cats).
I’ve gotten quotes for Goldendoodles from various locations and ages to give you a ballpark estimate of how much pet insurance costs. For the purpose of comparison,these quotes take into account comparable customization options (deductible,reimbursement,and payout).
*80% reimbursement;†50% reimbursement and $1,000 deductible (no other options);‡$0 deductible;§Unlimited annual payouts
Goldendoodle Insurance Cost:Lowest &Highest Amounts
I’ve compiled the minimum and maximum monthly costs for Goldendoodle pet insurance from different providers,considering factors like deductibles,reimbursement rates,payout limits,and add-on options (excluding wellness plans). I’ve included two different ages for each location to show how costs vary by enrollment age.
| Company | 2mo old 95818 (Sacramento,CA) | 5yr old 95818 (Sacramento,CA) | 2mo old 14211 (Buffalo,NY) | 5yr old 14211 (Buffalo,NY) | 2mo old 33604 (Tampa,FL) | 5yr old 33604 (Tampa,FL) | 2mo old 78731 (Austin,TX) | 5yr old 78731 (Austin,TX) | 2mo old 07305 (Jersey City,NJ) | 5yr old 07305 (Jersey City,NJ) |
|---|---|---|---|---|---|---|---|---|---|---|
| $17-$104 | $21-$132 | $11-$68 | $13-$86 | $13-$82 | $15-$95 | $16-$88 | $18-$102 | $21-$123 | $25-$142 |
| $25-$60 | $40-$102 | $25-$53 | $43-$94 | $28-$63 | $49-$111 | $31-$66 | $52-$116 | $30-$56 | $50-$97 |
 | $21-$55 | $31-$62 | $20-$42 | Uninsurable | $28-$67 | $45-$118 | $26-$66 | $38-$60 | $22-$44 | $32-$50 |
| $20-$116 | $26-$151 | $16-$122 | $21-$159 | $13-$97 | $19-$141 | $14-$107 | $20-$155 | $25-$160 | $32-$208 |
 | $13-$131 | Uninsurable | $14-$122 | $14-$125 | $11-$70 | $14-$91 | $15-$101 | $20-$132 | $16-$105 | $21-$138 |
| $16-$120 | $21-$146 | $18-$102 | $19-$110 | $12-$81 | $15-$102 | $34-$143 | $28-$124 | $20-$110 | $22-$118 |
| $45-$182 | $89-$389 | $50-$206 | $85-$367 | $77-$142 | $164-$304 | $36-$140 | $67-$286 | $44-$180 | $87-$379 |
What Are Waiting Periods For Goldendoodle Pet Insurance?
The waiting period is thetime that passes between signing up for a pet insurance policy and when coverage kicks in. In most states,* the length of this period is determined by the individual insurance provider. For accidents,waiting periods typically range from 0 to 15 days;for illnesses,it’s roughly 14 days. Certain insurers may impose longer waiting periods for orthopedic and spinal conditions,such as hip dysplasia,CCL ruptures,IVDD,and DM,which Doodles are at risk for developing.
*States are slowly adopting a Model Law for pet insurance. This Model Law attempts to standardize each state’s regulations,which includes a standard for waiting periods that all companies must follow. Waiting periods for California,Delaware,Louisiana,Maine,Mississippi,Nebraska,New Hampshire,and Washington are as follows:
- Accidents – 0 days
- Illnesses – 14 days
- Cruciate Ligament Conditions – 30 days
- Routine Care – 0 days
How Does Pet Insurance For Goldendoodles Work?
Pet insurance is a simple process once the waiting periods outlined in your policy have passed.
- Pay your veterinarian directly after your dog receives treatment.
- Submit a claim by filling out a claim form and providing an itemized receipt to your insurance company. You should bring a copy of the claim form to your appointment,as some insurance companies require the veterinarian’s signature.
- When the insurance company approves your claim,you will get your reimbursement* through your chosen payment method,such as direct deposit or a check.
*Reimbursement periods can range considerably,lasting from a few minutes to several weeks. This depends on how complicated your claim is and how long the company says it will take to process it.
17 Common Health Issues In Goldendoodles
Goldendoodles have an average lifespan of 10 to 15 years but are notorious for several health problems passed down from their parent breeds. As a Doodle owner,it’s essential to understand the typical health risks and potential expenses involved in caring for this crossbreed.
- Elbow and hip dysplasia are chronic disorders that result from the joints becoming excessively loose,causing pain and lameness. Surgery can often improve the quality of life,costing anywhere from$1,700 to $4,500 or more.
- Due to their high energy levels and genetic makeup,Goldendoodles are more likely to sustain a cranial cruciate ligament (CCL) injury.Orthopedic surgery,which can cost anywhere from $1,600 to $6,000 or more,is the best course of action for treatment.
- Deep-chested breeds like Doodles are prone to a life-threatening condition called gastric dilatation-volvulus (GDV)or canine bloat. GDV occurs when a dog eats too much or too quickly,causing the stomach to expand and twist. Emergency care is imperative,and it may cost up to $3,000.
- Several hereditary eye disorders,including cataracts,glaucoma,and progressive retinal atrophy (PRA),frequently affect this breed. Diagnosing these conditions can be costly,and treatment can be even more pricey. Glaucoma treatment can exceed $2,000,and cataract surgery costs between $2,600 and $3,800. Regretfully,PRA is challenging to treat and can’t be cured.
- Subaortic stenosis (SAS)is a congenital heart condition that requires lifelong medication and continuous monitoring. Prescription medications are reasonably priced,but an echocardiogram can range from $500 to $600 per scan.
- Dilated cardiomyopathy (DCM)is the result of the heart’s inability to pump blood efficiently due to weakening heart muscles. Surgery,which can cost anywhere from $10,000 to $20,000,is necessary to prevent heart failure in cases of severe DCM.
- Allergies are chronic conditions requiring various treatment options depending on the cause and severity. Diagnosis,testing,medication,shots,special diets,creams,and more can cost over $2,000.
- This breed is also prone to chronic skin diseases called congenital ichthyosis (from Goldens) and sebaceous adenitis (from Standard Poodles),both of which cause skin scaling,hair loss,and skin infections. Depending on the type of condition and severity,lifelong treatment can consist of oral medication,medicated shampoos,and topical creams. Costs average $50 per month.
- Due to their floppy ears and thick hair,which retain moisture and serve as a haven for bacteria and yeast,Goldendoodles are prone to ear infections.The cost of diagnostic testing,first and subsequent veterinary visits,and medication can range from $250 to $500 or more per infection.
- Arthritis is a chronic joint disease that may require ongoing treatment,depending on the severity. For moderate cases,monthly medication and physical therapy costs range from $100 to $500or more. In severe cases,surgery may be required,costing thousands of dollars.
- Poodles and Goldendoodles are frequently afflicted with Addison’s disease (hypoadrenocorticism),which results from decreased corticosteroid secretion from the adrenal gland. Diagnosis costs between $500 and $1,500.Medication is needed for life and can range anywhere from $50 to $200 a month.Another additional expense is routine blood and urine monitoring.
- Epilepsy is a genetic condition in Doodles that leads to uncontrolled electrical activity in your dog’s brain,resulting in seizures. Basicdiagnostics,medications,and regular monitoring can cost around $500 annually.Complicated casestypically require more frequent check-ups and expensive drugs,with costs ranging from $1,000 to $5,000 each year.
- Hypothyroidism—a condition caused by insufficient thyroid hormone production—is prevalent in both parent breeds of Goldendoodles. Lifelong medication and testingare necessary for this chronic condition. The average monthly medication cost is $20 to $50,while the initial diagnostic testing can cost $50 to $150. A yearly retest,costing between $50 and $100,is necessary to ensure the medication is still effective.
- Dogs with von Willebrand diseaseexperience excessive bleeding due to a genetic blood condition that causes insufficient production of von Willebrand factor (vWF). This disease is prevalent in Golden Retrievers and Poodles. Blood transfusions,surgery (costing between $800 and $1,500),or the injection of a synthetic hormone to momentarily increase vWF levels are possible treatment options.
- Golden Retrievers and Poodles are both at high risk for cancer,as are Doodles. The most common cancers in these breeds are hemangiosarcoma,lymphoma,osteosarcoma,and mast cell tumors. Costs to diagnose and treat cancer can exceed $10,000.
- Intervertebral Disc Disease (IVDD)occurs when the discs between a dog’s vertebrae move into the spinal canal. Diagnosing and treating IVDD can include X-rays,CT,MRI,medication,surgery,frequent vet visits,complementary therapy,hospital stays,and more. You could face $3,000 to $8,000in vet bills.
- A hereditary neurological condition known as degenerative myelopathy (DM)causes the hind legs to become increasingly weaker and less functional. Usually,the onset occurs at age five or older. Using nutritional supplements and physical therapy to slow the progression of DM can cost $500 or more a month. Unfortunately,there’s no cure.
Aren’t Designer Dogs Healthier Than Purebreds?
A recent study by the U.K.’s Royal Veterinary College debunked the theory that crossbred designer dogs are healthier than their purebred parent breeds. The research involving Labradoodles,Cavapoos,and Cockapoos and their purebred progenitors (Poodles,Labrador Retrievers,Cavalier King Charles Spaniels,and Cocker Spaniels) compared the odds of each purebred and hybrid having one or more of the 57 most common disorders found in dogs. Researchers found no significant difference in health risks among all dogs. You can learn more about this study in my article on whether designer dogs are healthier.
Is Pet Insurance Worth It For Goldendoodles?
The high rates speak for themselves. According to the Orthopedic Foundation of America (OFA),* nearly 20% of Golden Retrievers have tested positive for hip dysplasia,12% for elbow dysplasia,nearly 30% for at least one eye irregularity,and almost 6% for thyroid disorders. For Standard Poodles,OFA-positive testing statistics yield nearly 12% for hip dysplasia,over 8% for IVDD,and approximately 18% for eye disorders.
*Note:The OFA doesn’t have data on designer dog breed testing;it only publishes testing stats for purebreds.
Goldendoodles may face many health challenges inherited from either or both parents — these can lead to significant costs if you lack pet insurance. Fortunately,pet insurance lets your pup access top-notch medical treatment without the stress of hefty bills. It’s vital to secure insurance for your beloved pet before any health emergencies or genetic issues arise. Remember that insurers don’t cover most pre-existing conditions.
Determine If Your Goldendoodle Needs Insurance
If you’re still trying to decide on pet insurance for your Doodle,I encourage you to check out my comprehensive guide on whether pet insurance is worth it to help you evaluate the pros and cons.
5 Steps To Find The Best Pet Insurance For Goldendoodles
These are the most important considerations when selecting an insurance plan that best suits your financial needs and your Doodle’s health requirements.
- Learn about each insurance company’s standing and reputation.Companies with a long track record are usually more trustworthy than newcomers.
- Think about every health issue Goldendoodles could develop,andfamiliarize yourself with the coverage and limitationseach company imposes for these conditions.
- Consider whether you would prefer a more limited plan that only covers accidents or a more comprehensive one that covers illnesses.
- Understand each provider’s claim processing time and reimbursement process.
- Get quotesfrom three or more pet insurance companies to compare prices.
Methodology
To determine the best pet insurance for Goldendoodles,we analyzed more than 40 U.S. pet insurance companies to provide an unbiased breakdown of how providers compare against one another. Our in-depth research includes:
- Running thousands of price quotes
- Reading hundreds of customer reviews
- Scrutinizing every policy from top to bottom and reading all the fine print
- Scoping out the purchase process
- Speaking with customer service representatives
- Having firsthand experience submitting claims with companies
- Comparing plan customization details
- Examining how long it takes to receive reimbursement
- Factoring in company history and years in the pet insurance marketplace
- Meeting with company representatives to discuss changes related to the industry,their company,and their offerings
- Requiring national experience for companies
Unlike many other review sites,we refuse to let pet insurance companies pay for the top spot in our rankings. Companies must earn their position in our comparisons by performing well in the marketplace. We also point out each company’s pros and cons in light of their competitor’s strengths. In doing so for over a decade,we’ve helped pet parents make more educated decisions among the top pet insurance options. Pet insurance providers read our reviews,regularly check them for accuracy,and value our input to help create positive industry changes and better protect your pets. We only recommend the best of the best because it’s what our readers deserve.
Additional Pet Insurance Resources
Why Trust Canine Journal?
Canine Journal has been covering the topic of pet insurance since 2012,well before other conglomerates discovered the rising popularity of health care for our pets. Many of our authors have personal experience with pet insurance,including Kimberly Alt,who has been Canine Journal’s go-to writer for pet insurance for over a decade,having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head,she can find it within minutes due to her vast list of resources. Kimberly also has extensive knowledge of dog health conditions,which can help her recommend pet insurance providers to pet owners with specific breeds.
Kimberly collaborated with Sally Jones,a seasoned health sciences communications professional with decades of experience. Sally specializes in dog health and is adept at producing content on technical topics such as pet insurance. Her wealth of knowledge and insight played a crucial role in this article’s thorough research and composition.
Kimberly also consulted with Michelle Schenker,Canine Journal’s in-house licensed insurance agent,for additional expertise to ensure accuracy and give Canine Journal the authority to write about and assist readers in purchasing policies that are accurately represented.
