Takeaways
- Poodles are unfortunately predisposed to many genetic health conditions, this includes all sizes: standard poodles, miniature poodles, and toy poodles
- Some poodle health conditions can be quite serious, requiring surgeries, blood transfusions, and lengthy hospital stays with medical bills in the thousands
- Pet insurance could help cover these costs
- Monthly premiums for a poodle can vary widely with puppies averaging $35 to $55 and older poodles averaging $60 and up
- The best insurance plans for poodles cover their most common conditions and do not have breed restrictions
Pet Insurance For Poodles
Big hair and even bigger hearts, the loyal and highly intelligent poodle is an often misunderstood breed. While many think of the poodle as just a fancy show dog, this breed actually got its start as a hunting dog. Originating in Germany hundreds of years ago, the poodle was once the dog of duck hunters. The poodle name is derived from the German word “pudel” which means to splash in the water; poodles are excellent swimmers!
Today, poodles are more well-known for being family dogs and service dogs. Of course, they are still known for their elaborate haircuts! Poodles also now come in three sizes, standard (40 to 70 pounds), miniature (10 to 15 pounds), and toy (4 to 6 pounds). Unfortunately, like most purebred dogs, poodles can suffer from a number of health conditions associated with their breed making pet insurance an important consideration for poodle owners.
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Common Health Problems in Poodles
Poodles carry an increased risk for a number of health conditions. Some stem solely from their breed and affect poodles of all sizes while others are size-related.
Here are some of the most common poodle health conditions (affecting standard poodles, miniature poodles, and toy poodles) and average treatment costs.
| Poodle Health Issue | Type of Poodle | Average Treatment Costs |
|---|---|---|
| Gastric Dilatation Volvulus (GDV or Bloat)(overturned stomach) | Can affect all poodles but most common in standard poodles | $3,000 to $6,000 |
| Liver Disease | Can affect all poodles | $1,000 to $3,000 (plus monthly medication costs) |
| Luxating Patella (dislocated kneecap) | Can affect all poodles but most common in miniature and toy poodles | $1,000 to $5,000 |
| Hip Dysplasia(abnormal development of the joint) | Can affect all poodles | $3,000 to $6,000 (per hip) |
| Epilepsy | Can affect all poodles but most common in standard poodles | $500 to $5,000 (plus monthly medication costs) |
| Addison’s Disease(autoimmune disorder) | Can affect all poodles | $100 to $500 (plus monthly medication costs) |
| Von Willebrand’s Disease(blood clotting disease) | Can affect all poodles but most common in standard poodles | $2,500 to $5,000 (if a blood transfusion is needed) |
| Eye Disorders(glaucoma, cataracts, retinal atrophy, optic nerve hypoplasia, etc) | Can affect all poodles | $300 to $3,000 |
The Best Pet Insurance For Poodles
While there’s no perfect poodle pet insurance plan, there are some plans that offer better coverage than others when it comes to this breed. As with all insurance, pre-existing conditions are usually excluded, changes in coverage or eligibility can occur, and waiting periods typically apply. Check individual policies for more details.
ASPCA
The ASPCA Pet Insurance Complete Coverage Plan offers a wide range of accident and illness coverage. Covered costs include diagnostics, treatments, hospitalizations, surgeries, and more.
Reimbursement rates can range from 70% to 90% after the deductible is met. Deductibles range from $100 to $500. Monthly premiums vary based on the individual pet but averages tend to range from $40 to $80.
Why it’s great for poodles!
- No breed exclusions or extended waiting periods for hereditary conditions
- Covers common poodle conditions like hip dysplasia, eye disorders, and epilepsy
- Long-term chronic poodle conditions like Addison’s disease and liver disease are covered
- Emergency GDV treatment is covered
- Covers alternative therapies like acupuncture, laser therapy, and hydrotherapy for poodles with hip dysplasia or patellar luxation
Embrace
Embrace Pet Insurance offers full coverage for accidents and illnesses in their standard plan. Covered costs include diagnostics, treatments, hospitalizations, surgeries, and more.
Reimbursement rates range from 70% to 90% after the deductible is met. Deductibles can range from $100 to $1000. Monthly premiums vary based on the individual pet but averages range from $36 to $54 for a standard poodle and $32 to $48 for a miniature or toy poodle.
Why it’s great for poodles!
- No limits on hereditary coverage for poodles
- Covers common poodle conditions like eye disorders and hip dysplasia
- Emergency GDV treatment is covered
- Covers long-term chronic poodle conditions like Addison’s disease and liver disease
- Hip dysplasia is covered after a 6-month waiting period
- Covers pain management, physical therapy, and alternative therapies like acupuncture and laser for poodles with hip dysplasia or patellar luxation
- The Wellness Rewards add-on covers gastropexy procedures (GDV prevention)
Fetch
Fetch Pet Insurance offers comprehensive coverage for accidents and illnesses as part of its standard plan. Coverage includes diagnostics, treatments, hospitalizations, surgeries, and more.
Reimbursement rates range from 70% to 90% after the deductible is met. Deductibles range from $250 to $500. Premiums vary based on the individual pet but the average for a poodle is $34 a month.
Why it’s great for poodles!
- No breed exclusions for hereditary conditions
- Covers common poodle conditions like eye disorders and epilepsy
- Hip dysplasia is covered after a 6-month waiting period
- Emergency GDV treatment is covered
- Covers long-term chronic poodle conditions like Addison’s disease and liver disease
- Acupuncture and chiropractic care are covered for poodles with hip dysplasia or patellar luxation
Pets Best
Pets Best Insurance offers a wide range of coverage under their Accident and Illness Plan. Covered costs include diagnostics, treatments, hospitalizations, surgeries, and more.
Reimbursement rates range from 70% to 90% after the deductible is met. Pets Best offers a highly customizable plan for choosing deductibles and monthly premiums. Add-on wellness coverage is also available.
Why it’s great for poodles!
- No breed exclusions for hereditary conditions
- Covers common poodle conditions like hip dysplasia, eye disorders, and epilepsy
- Emergency GDV treatment is covered
- Covers rehabilitation therapy for poodles with hip dysplasia or patellar luxation
- Highly customizable plan with options to add on wellness coverage
- Direct-to-vet payment options for reducing upfront owner costs
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Pumpkin
Pumpkin Pet Insurance provides coverage for accidents and illnesses in their standard plan. Coverage includes diagnostics, treatments, hospitalizations, surgeries, and more with an option to add on preventative care coverage.
The reimbursement rate is a standard 90% for all covered conditions. Owners can choose from multiple deductible options ranging from $100 to $1,000. Monthly premiums start at $30 and go up based on individual pet and choice of deductible.
Why it’s great for poodles!
- No breed exclusions for hereditary conditions
- Covers common poodle conditions like hip dysplasia, eye disorders, and epilepsy
- Emergency GDV treatment is covered
- Covers long-term chronic conditions like liver disease
- Alternative therapies like acupuncture for poodles with hip dysplasia or patellar luxation are covered
Trupanion
Trupanion Pet Insurance offers a wide range of coverage for accidents and illnesses in their standard plan. Coverage includes diagnostics, treatments, hospitalizations, surgeries, and more.
The reimbursement rate is a standard 90% with a highly customizable plan for choosing deductibles and monthly premiums. Trupanion also offers extensive add-on coverage options.
Why it’s great for poodles!
- No breed exclusions for hereditary conditions
- Covers common poodle conditions like hip dysplasia, eye disorders, and epilepsy
- Emergency GDV treatment is covered
- Long-term chronic conditions like hypothyroidism and liver disease is covered
- Option for direct-to-vet payments for reduced upfront owner costs
Is Pet Insurance Worth It For Poodles?
Since poodles have a higher risk of inheriting some serious medical conditions, pet insurance is absolutely worth having for them! Having your poodle on a pet insurance plan can help dramatically reduce your veterinary costs. Should your poodle come down with a case of GDV (bloat), need a blood transfusion due to Von Willebrand’s Disease, or need specialized care for epilepsy, emergency treatment costs can be in the thousands. Pet insurance can help cover these unexpected costs.
When Should I Get Pet Insurance For My Poodle?
Unfortunately, no pet insurance plan covers pre-existing conditions so the earlier you can insure your poodle, the better! Of course, if you adopted an older poodle it’s still a good idea to get them on a pet insurance plan. Just be prepared for the possibility of higher premiums and reduced coverage.
Factors That Affect Pet Insurance For Poodles
When shopping around for the best pet insurance for your poodle be sure to get customized quotes. There are many factors that can affect premiums and coverage like age, breed, medical history, and location.
Once you’ve narrowed down your choices, check each policy for any additional breed-specific exclusions, caps on coverage for specific conditions, or additional waiting periods. The most common exclusions for poodles can include hip dysplasia and GDV coverage.
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