Best Pet Insurance for Golden Retrievers (2023)

by | 1/31/2023

The Golden Retriever originated in Scotland in the late 1800s and has since become the fourth most popular dog breed in the world. This charming breed is known for its lustrous golden hair and friendly personality.

As a pet parent, you know your dog deserves the greatest care possible. We think you should never have to turn down top-notch medical care for your beloved family dog, and solid pet insurance can help you avoid just that. With the right plan, you’ll pay predictable monthly premiums in exchange for coverage of unexpected and costly vet bills.

Keep reading to find out:

  • Why Golden Retriever pet insurance is important
  • Which pet insurance companies are best for Golden Retrievers
  • How much Golden Retriever insurance costs

Continue reading to learn more about the following pet insurance providers so that you can choose the best one for your needs:

Our Top 3 Picks for Golden Retriever Pet Insurance





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$100 to $1,000

$100 to $500

$200 to $1,000

Average Monthly Cost for Golden Retrievers*




Multi-pet Discount




Wellness Add-on




BBB Rating




*We selected a $10,000 annual payout limit, $500 deductible, and 80% reimbursement rate to generate these sample prices for a 1-year-old Golden Retriever. Your prices will vary depending on your pet’s age and location.

Why Is Pet Insurance for Golden Retrievers Important?

Health insurance for your Golden Retriever is crucial because it can keep you from spending a fortune on unexpected vet care.

Like all other purebred dogs, the Golden Retriever has certain genetic conditions it’s at higher risk for. 

Luckily, pet insurance covers hereditary and congenital conditions as long as they aren’t already symptomatic. You should purchase a pet insurance plan as soon as possible to get coverage on costly diseases your dog could develop during its lifetime.

Here are some health problems that commonly affect Golden Retrievers:


Estimated Expense

Hip Dysplasia

  • $100-$300 per month for medical management
  • $3,500-$7,000 per hip for surgery


  • $250-$1,000 for testing
  • $150-$300 per month for symptom management


  • $3,000-$4,000 per eye for treatment


  • $150 per month for medical management
  • $200 per year for testing

Ear Infections

  • $150 for diagnostic testing
  • $200 for ear medications and antibacterial flushes


  • $600-$10,000 depending on the type of cancer and required treatment

Foreign Body Ingestion

  • $1,500-$7,000 for removal surgery and hospital stay

How Much Does Pet Insurance for Golden Retrievers Cost? 

On average, pet insurance for Golden Retrievers costs $50 per month. This monthly premium will vary depending on your dog’s age, location, and specific breed. You’ll most likely pay more for dogs that are older, purebred, or living in high-cost areas.

To find an accurate price for your furry friend, you can retrieve sample quotes from top provider websites. 


Estimated Cost







New York


Best Pet Insurance for Golden Retrievers 

In the next section, we’ll go over some top pet insurance providers for Golden Retrievers. These companies offer customizable plan options with price ranges for every pet owner’s budget.

While you’re reading, consider which rates and coverage inclusions could best benefit your Golden Retriever’s health and routine care needs. Keep an eye out for exclusions that could cut your coverage short.

Spot for Golden Retrievers 

Spot pet insurance provides comprehensive accident/illness coverage at highly customizable rates. 

With a Spot plan, you can mix and match the following options for a price and coverage level that suit your needs:

Annual deductibles – $100, $250, $500, $750, $1,000.

Annual payout limits – $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited.

Reimbursement percentages – 70%, 80%, 90%.

Spot’s accident/illness plan is a solid option for Golden Retriever owners. 

The plan covers unexpected injuries, sicknesses, hereditary conditions, dental illness, behavioral issues, and chronic conditions. You’ll get coverage for genetic illnesses that affect Golden Retrievers, such as hip dysplasia, eye disorders, and allergies.

Spot won’t cover pre-existing health conditions, breeding costs, cosmetic procedures, or illnesses and accidents that occur during waiting periods.

For preventive care coverage, you can select Spot’s optional add-on packages for reimbursements on your pet’s routine veterinary needs. 

The Gold Package reimburses up to $250 for checkups, dental cleanings, vaccinations, parasite tests, and more. The Platinum Package reimburses up to $450 for additional items like parasite preventative medications, blood work, urinalysis, and health certificates.


  • Unlimited annual payout option
  • Highly customizable plans
  • Low deductible options
  • Two preventive care add-ons


  • Higher monthly premiums
  • 14-day waiting period for accidents

Learn more in our Spot pet insurance review.

Lemonade for Golden Retrievers

Lemonade provides comprehensive pet insurance coverage at competitively affordable rates. The provider also offers various other insurance services you can bundle with your pet’s plan for some excellent discounts.

You can combine Lemonade’s customizable rates for a health insurance plan that fits your pet.

Annual deductibles – $100, $250, $500.

Annual payout limits – $5,000, $10,000, $20,000, $50,000, $100,000.

Reimbursement percentages – 70%, 80%, 90%.

Lemonade’s pet health insurance plan covers unexpected accidents and illnesses, diagnostic testing, prescription medications, hospitalization, surgery, chronic conditions, and congenital conditions.

Lemonade doesn’t cover pre-existing conditions, cosmetic procedures, dental illnesses, spay/neuter procedures, or accidents and illnesses that occur during waiting periods.

For additional coverage, you can select Lemonade’s Preventative or Preventative+ packages, exam fee package, or physical therapy package.

Lemonade also offers a wellness package for Golden Retriever puppies. This plan costs $44 per month and covers many routine services your little buddy will need in its first year.


  • Competitively affordable monthly premiums
  • Ability to bundle pet insurance with other Lemonade services
  • User-friendly online platform
  • Wellness plan for Golden Retriever puppies


  • Annual coverage capped at $100,000
  • No dental illness coverage

To find out more, read our Lemonade pet insurance review.

ASPCA for Golden Retrievers

ASPCA pet health insurance is a great option for pet parents seeking low deductible options and exam fee coverage. With an ASPCA plan, you’ll be reimbursed for the consultation fees you incur when the vet examines your pet. You’ll also get microchip coverage to help bring a lost pet home quickly.

The company offers the following rate options for accident/illness coverage:

Annual deductibles – $100, $250, $500.

Annual payout limits – $3,000, $4,000, $5,000, $7,000, $10,000.

Reimbursement percentages – 70%, 80%, 90%.

ASPCA’s accident/illness plan covers unexpected illnesses and injuries, chronic conditions, congenital conditions, behavioral issues, microchip implantation, and exam fees. You’ll also get coverage for Golden Retriever-specific health conditions like allergies, hypothyroidism, eye disorders, and hip dysplasia.

The provider won’t cover your dog’s pre-existing conditions, breeding costs, elective procedures, or accidents and illnesses that occur during waiting periods.

ASPCA’s wellness plans are comparable to Spot’s; you can select the Basic package or Prime Package for $250-$450 worth of reimbursements for routine care items.


  • Partner of the American Society for the Prevention of Cruelty to Animals
  • Microchip implantation coverage on all plans
  • Alternative therapy coverage
  • Exam fees always covered


  • Annual coverage capped at $10,000
  • Poor customer ratings

Check out our ASPCA pet insurance review to learn more.

Embrace for Golden Retrievers

Embrace offers dog insurance at customizable rates. We like Embrace’s Healthy Pet Deductible program, which subtracts $50 from your annual deductible for every year you don’t submit a claim.

Depending on your Golden Retriever’s age and location, Embrace will show you the most popular coverage options when you generate a free quote. 

If you’d like to select personalized rates, you can combine the following options for any plan:

Annual deductibles – $200, $300, $500, $750, $1,000.

Annual payout limits – $5,000, $8,000, $10,000, $15,000, $30,000.

Reimbursement percentages – 70%, 80%, 90%.

Embrace’s accident/illness plan covers many items that might affect your dog, such as genetic disorders, chronic conditions, allergies, and cancer. The provider also covers exam fees, prescription medications, scans, surgery, and physical therapy.

Embrace won’t cover your buddy’s pre-existing conditions, breeding costs, cosmetic procedures, or incidents that occur during waiting periods.

The provider offers Wellness Rewards packages to help you budget your furry friend’s routine care needs such as grooming, nail trimming, training, parasite testing, vaccinations, teeth cleanings, and more.


  • Healthy Pet Deductible program
  • Wellness Rewards add-on for preventive care
  • Flexible pre-existing condition policy
  • Exam fee coverage 


  • Annual payout capped at $30,000
  • Wellness plans don’t save you much money

Read our Embrace pet insurance review for more information.

Healthy Paws for Golden Retrievers 

Healthy Paws Pet Insurance and Foundation offers comprehensive accident/illness coverage for your furry friend. The company is also dedicated to animal welfare and has donated $2 million to deserving rescue organizations.

Healthy Paws limits plan customization by your dog’s age and breed.

Below are the mix-and-match rates for Golden Retrievers that are 1 to 5 years old: 

Annual deductibles – $250 and $500.

Annual payout limits – Always unlimited.

Reimbursement percentages – 70% and 80%.

Healthy Paws doesn’t offer any wellness packages or add-ons, but it does have a comprehensive accident/illness plan. Healthy Paws covers unexpected injuries, sicknesses, hereditary conditions, chronic conditions, cancer, diagnostic testing, surgery, hospitalization, prescription medications, and more. 

Healthy Paws doesn’t cover pre-existing issues, preventive care, spay-neuter procedures, or examination fees.


  • Dedication to animal welfare
  • Unlimited annual and lifetime payout on all plans
  • Fast and easy claims processing
  • High BBB rating


  • No add-ons for preventive care
  • Plan customizability limited by age

Read more in our Healthy Paws pet insurance review.

Is Pet Insurance for Golden Retrievers Worth it?

Pet insurance for any purebred dog like the Golden Retriever is incredibly worth it. Golden Retrievers are prone to specific health issues that can cost you a fortune. With the right plan, you’ll have peace of mind knowing you won’t have to skimp on your buddy’s care just to avoid breaking the bank.

If your dog develops bilateral hip dysplasia in its hind legs, you could pay $7,000-$14,000 to repair them both surgically. If this cost would devastate your savings, you need to consider the payoff of a pet insurance policy. 

Even if you pay $60 per month in pet insurance premiums, that annual $720 expense would be worth 70-90% reimbursement of $14,000.

Final Thoughts

Now that you understand the importance of Golden Retriever pet insurance, you can get to work finding the perfect plan for your dog’s needs. 

We suggest enrolling your dog as soon as possible so you’ll have coverage in the event of a surprise vet visit. But, even if your dog is older, pet insurance is still a useful tool for budgeting its unexpected and routine medical services.

We have no doubt you’ll be able to find an excellent policy from one of the top pet insurance providers on the market. You can learn more in our comprehensive pet insurance reviews if you still need more information. 

With a plan that fits your needs, you’ll be absolutely golden – no matter what comes your dog’s way.

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.