Best Pet Insurance for Goldendoodles (2023)

by | 1/31/2023

On the list of most popular dog breeds, you’ll find the Golden Retriever and Poodle situated in the top 10 spots. Put those two beloved breeds together, and you have a truly remarkable dog. 

The Goldendoodle has risen in popularity in recent years, and it’s no surprise why. Their curly, golden coats are accompanied by intelligent, loving, and playful personalities.

We’ve compiled information on Goldendoodle pet insurance to help you take the best care of your precious pal. Keep reading to find out how top-notch pet insurance can benefit your Doodle and your budget.

This article will answer the following questions:

  • Why is pet insurance for Goldendoodles important?
  • How much does Goldendoodle insurance cost?
  • Is dog insurance for Goldendoodles worth it?
  • What is the best pet insurance company for Goldendoodles?

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 Goldendoodle Pet Insurance





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Our Score





$100 to $1,000

$100 to $500

$200 to $1,000

Average Monthly Cost for Goldendoodles*




Multi-pet Discount




Wellness Add-on




BBB Rating




*We generated these rates using a $250 annual deductible, 80% reimbursement rate, and $10,000 yearly limit.

Why Is Pet Insurance for Goldendoodles Important?

Your Goldendoodle is a mix between a Poodle and a Golden Retriever, so it may be predisposed to genetic disorders from both parent breeds.

Here are some health conditions commonly found in Goldendoodles:

  • Hip Dysplasia
  • Addison’s Disease
  • Hypothyroidism
  • Progressive Retinal Atrophy
  • Gastric Dilatation Volvulus
  • Epilepsy
  • Ear infections
  • Patellar Luxation
  • Von Willebrand’s Disease
  • Sebaceous Adenitis
  • Subvalvular Aortic Stenosis
  • Cataracts and Glaucoma

Pet insurance for Goldendoodles is important because it can help curb the expensive veterinary bills from accidents and illnesses your dog develops. The table below shows some common health issues for Goldendoodles and average costs associated with diagnosis and treatment.


Estimated Expense

Hip Dysplasia

  • $100-$300 per month for medical maintenance
  • $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

Foreign Object Ingestion

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


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

How Much Does Pet Insurance for Goldendoodles Cost? 

Pet insurance premiums vary by your pet’s age, breed, and location. Your zip code can greatly affect your monthly costs, so you’ll need to get sample quotes for your area before purchasing a plan.

We’ve retrieved the sample quotes below from the Spot pet insurance website to give you an idea of average monthly costs in different cities. We selected quotes for a 1-year-old Goldendoodle with various annual limits and deductible options.


Estimated Cost







New York


Best Pet Insurance for Goldendoodles

In the following sections, we’ll dive deeper into the specifics of top pet insurance providers for Goldendoodles.

We’ll mainly discuss coverage features and exclusions to help you understand what you’re getting for your money. You can check our comprehensive provider reviews for more information on deductibles, annual limits, and reimbursement rates.

For now, keep reading to learn about some customizable plans and add-on packages that can benefit your buddy from furry head to wagging tail.

Spot for Goldendoodles

Spot is our top pick for plan customizability and preventive care add-ons. The provider has no upper age limits so that you can enroll your dog at any time during its lifespan.

Spot offers highly customizable plans, with rates you can mix and match for a personalized monthly premium and level of coverage.

With an accident/illness plan, your Goldendoodle will have coverage for the following items:

  • Accidents
  • Illnesses
  • Hereditary conditions
  • Congenital conditions
  • Behavioral issues
  • Prescription medications
  • MRIs, CT scans, X-rays, and ultrasounds
  • Surgery and hospitalization
  • Alternative therapies

Spot won’t cover:

  • Pre-existing conditions
  • Breeding costs
  • Boarding fees
  • Cosmetic procedures
  • Accidents or illnesses that occur during waiting periods

If you’d like reimbursements for routine care items like vaccinations, parasite prevention, heartworm tests, dental cleanings, and more, you can purchase Spot’s Gold or Platinum Preventive Care packages.

The Gold Plan costs about $10 per month and provides up to $250 for wellness services. The Platinum Plan costs around $25 a month for up to $450 in preventive care coverage.


  • Highly customizable plans
  • Add-on packages for preventive care
  • Flexible pre-existing condition policy
  • Low deductible options


  • No prescription pet food coverage
  • Higher monthly premiums

Read our Spot pet insurance review to find out more.

Lemonade for Goldendoodles

Lemonade provides insurance coverage at competitively low rates. The provider will discount your pet insurance plan if you enroll multiple pets or bundle your pet’s plan with other Lemonade insurance services. For these reasons, Lemonade is our top pick for affordability and discounts.

Lemonade’s dog insurance plan covers many of the items your furry friend might need, such as:

  • Unexpected injuries and illnesses
  • Dental injuries
  • Diagnostic testing
  • Hospitalization
  • Surgery
  • Emergency veterinary care
  • Prescription medications
  • CT scans, MRIs, and X-rays

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

You’ll be able to customize your plan with different deductibles, annual limits, and reimbursement rates. You can also select the provider’s optional add-on packages for extra coverage. 

Lemonade offers add-ons for:

  • Exam fee coverage
  • Physical therapy coverage
  • Preventive care reimbursements

Lemonade’s wellness plans cost around $16-$25 per month and cover items like checkups, vaccinations, dental cleanings, parasite testing, and more.


  • Competitive prices
  • Preventive care plan for Goldendoodle puppies
  • Add-on packages for exam fees and physical therapy
  • User-friendly mobile app and online platform


  • No dental illness coverage
  • No unlimited annual payout option

For more information, read our Lemonade pet insurance review.

ASPCA for Goldendoodles

We love that ASPCA’s plan covers microchip implantation at no additional cost. With microchip coverage, you’ll get money back on microchip implantation that can help bring your beloved pet back if it ever gets lost.

ASPCA pet health insurance is also an excellent choice for Doodle parents seeking low deductibles. The provider has annual deductibles starting at $100.

With the company’s Complete Coverage plan, you’ll get reimbursements for your Goldendoodle’s:

  • Accidents and illnesses
  • Exam fees
  • Dental illness
  • Genetic conditions
  • Hospitalization
  • Surgery
  • Emergency veterinary care
  • Diagnostic testing
  • Behavioral issues

ASPCA’s exclusions are comparable to others on the market. The provider won’t reimburse costs associated with:

  • Pre-existing conditions
  • Boarding and kennel fees
  • Breeding costs
  • Cosmetic procedures
  • Accidents or illnesses that occur during waiting periods

You can purchase ASPCA’s Basic or Prime Preventive Care packages for your Goldendoode’s routine wellness needs. The plans cost $10-$25 per month and provide $250-$450 in reimbursements for items like vaccinations, dental cleanings, parasite prevention, checkups, and more.


  • Low deductible options
  • Customizable plans
  • Microchip implantation coverage
  • Exam fees always covered


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

Read our ASPCA pet insurance review for more information.

Embrace for Goldendoodles

Embrace is our top pick for pet parents seeking low deductibles. With any Embrace plan, you can choose from annual deductibles of $200-$1,000. Then Embrace’s exclusive Healthy Pet Deductible program will subtract $50 from your deductible for every year you go without submitting a claim.

Along with your deductible, you can mix and match Embrace’s annual payout limits and reimbursement percentages for a personalized pet insurance policy.

Embrace’s accident/illness plan for Goldendoodles covers:

  • Unexpected sickness and injuries
  • Dental injuries
  • Cancer treatment
  • Congenital conditions
  • Diagnostic testing
  • Hospitalization and surgery
  • Chronic conditions
  • Prescription medications
  • Emergency and specialty care
  • CT scans, MRIs, X-rays, and ultrasounds

Embrace doesn’t cover:

  • Pre-existing conditions
  • Boarding fees
  • Breeding costs
  • Cosmetic procedures
  • Accidents or illnesses that occur during waiting periods

Embrace offers Wellness Rewards packages for routine care reimbursement. These plans cost $19-$52 per month and reimburse $250-$650 per year. 

Although you won’t save much money with a Wellness Rewards package, you can use the allowance for a more comprehensive range of routine care items like grooming, pet activity monitors, nail trimming, and more.


  • Flexible pre-existing condition policy
  • Healthy Pet Deductible program
  • Customizable plans
  • Wellness Rewards add-on for routine care


  • No unlimited annual payout option
  • Higher monthly premiums

Check out our Embrace pet insurance review for more information.

Healthy Paws for Goldendoodles

Healthy Paws pet insurance is an excellent choice for pet owners passionate about animal welfare. Since 2009, the Healthy Paws Foundation has donated nearly $2 million to deserving animal shelters and rescue organizations. 

Healthy Paws also provides unlimited per-item, annual, and lifetime payout on every plan. This means you’ll never run out of coverage no matter how many claims you submit.

Healthy Paws offers a comprehensive accident/illness plan to cover your Goldendoodle’s:

  • Unexpected accidents and illnesses
  • Diagnostic testing
  • Hospitalization
  • Surgery
  • Emergency care
  • Hereditary and congenital conditions
  • Chronic health problems
  • Cancer treatment
  • X-rays and ultrasounds
  • Prescription medications
  • Alternative therapies

Healthy Paws will not cover:

  • Pre-existing conditions
  • Preventive care items or wellness services
  • Breeding costs
  • Cosmetic procedures
  • Spay or neuter procedures
  • Accidents or illnesses that occur during waiting periods 

Keep in mind that Healthy Paws limits coverage and customizability by your pet’s age at enrollment. If you try to sign your senior Goldendoodle up for a pet insurance policy, you’ll most likely run into reimbursement limitations and pre-existing condition exclusions. 

For this reason, we don’t recommend Healthy Paws for older pets.


  • Unlimited lifetime payout on all plans
  • Broad accident/illness coverage
  • Quick claims payout
  • Dedication to animal welfare


  • No add-on preventive care plans
  • Plan customization limited by age

Read more in our Healthy Paws pet insurance review.

Is Pet Insurance for Goldendoodles Worth It?

Pet insurance for your Goldendoodle is worth it if:

  • You want peace of mind knowing you can afford unexpected and costly vet bills.
  • You don’t have a large sum of money saved up for unplanned veterinary expenses.

Consider this realistic situation:

Let’s say you get a Goldendoodle puppy and purchase a Spot pet insurance plan on its first birthday. Your policy for the 1-year-old pup costs around $60 per month and has a $7,000 annual limit, $100 deductible, and an 80% reimbursement rate.

Your Doodle gets into the laundry and swallows a sock. The dog stops eating and seems sluggish, so you rush it to the emergency vet clinic. Unfortunately, the veterinarian calls for emergency surgery to remove the ingested object, bringing your total vet bill up to $6,000.

Without pet insurance, you’ll have to pay for this cost out of pocket. If you don’t have any savings on hand, you might have to make some difficult decisions regarding your pet’s care.

With the dog insurance plan for your Goldendoodle, you’ll reach your $100 deductible and then get 80% in reimbursements. That’s $4,720 of the $6,000 back in your pocket.

We think this coverage is absolutely worth the monthly cost of a pet insurance policy.

Final Thoughts

Now that you’ve learned about top providers and coverage options, you can get to work finding Goldendoodle pet insurance for your furry friend. 

With the right plan, you’ll pay predictable monthly premiums in exchange for coverage of surprise vet visits. You’ll be able to rest assured knowing you can give your buddy the best possible care without ever breaking the bank.

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.