Best Pet Insurance For Labradoodles In 2024

In my professional opinion, Healthy Paws offers the best pet insurance for Labradoodles.

min read
Updated: 04 February 2024
Written by
Bob Phillips
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Labradoodles, cherished for their amicable demeanor and intelligence, are a popular hybrid breed derived from Labradoodle Retrievers and Poodles. Stemming from a mix of these two breeds, they inherit desirable qualities such as a friendly disposition and high trainability. Possessing a charming blend of genes, Labradoodles exhibit various coat types, including wavy, curly, or straight, which can come in a range of colors like black, yellow, chocolate, cream, and more.

Brimming with energy and sociability, Labradoodles thrive in dynamic households and relish outdoor adventures. Their keen sense of smell and inherent swimming prowess make them superb for waterfowl retrieval. Establishing deep and affectionate connections with their families, Labradoodles are known for their loyalty and gentle temperament. Renowned for their adaptability and delightful personality, Labradoodles continue to capture hearts globally, making them a favored choice among dog lovers.

If you own a Labradoodle, you’re undoubtedly concerned about its health and well-being. A Labradoodle is more likely to suffer from genetic health issues than mixed-breed dogs. Unfortunately, 4 out of 5 pet parents can’t pay for an unexpected $500 veterinary bill out-of-pocket. However, pet insurance will help you reduce your financial risk.

In this review, we’ll look at some of the top pet insurers for Labradoodles and help you pick the policy that best meets your needs. You’ll find that pet insurance is much like personal health insurance; it provides better treatment options and limits out-of-pocket costs. But unlike private health insurance, it won’t cost you an arm and a leg.

Common Health Issues For Labradoodles

Labradoodles, like many dogs, can face various health challenges due to their genetics. Over time, certain breeders may not have given adequate attention to genetic factors when breeding Labradoodles, resulting in health issues that can affect the overall Labradoodle population. Overall, Labradoodles tend to be more vulnerable to genetic health problems compared to some other breeds.

Here are common health issues observed in Labradoodles:

  • Hip dysplasia
  • Elbow dysplasia
  • Progressive retinal atrophy (PRA)
  • Hypothyroidism
  • Allergies
  • Ear infections

Hip Dysplasia

Hip dysplasia is a prevalent concern in Labradoodles, affecting the hip joint’s formation and causing discomfort, pain, and limited mobility. Genetic predisposition often plays a significant role in its development. This condition can significantly impact a dog’s overall well-being and quality of life. Early identification through regular veterinary check-ups and appropriate management, which may include exercise control and potential surgical interventions, is crucial for mitigating the effects of hip dysplasia and ensuring an active and comfortable life for the affected Labradoodle.

  • FHO surgery: 1,200$−2,500$ or more per hip
  • Total hip replacement: 3,500$−7,000$ or more per hip
  • Procedure can cost 10,000$ or more

Elbow Dysplasia

Elbow dysplasia is a common orthopedic ailment seen in Labradoodles, characterized by abnormal elbow joint development, resulting in lameness, pain, and restricted movement. Genetic factors and environmental influences during the growth stages can contribute to its onset. Vigilant monitoring during the puppy stage and early intervention by a veterinarian are essential for minimizing the impact of elbow dysplasia. Timely management can greatly improve the affected Labradoodle’s comfort and mobility, enabling them to lead an active and fulfilling life.

The cost of treating elbow dysplasia in dogs can range from $1,500 to $4,000, depending on the severity of the condition and the type of treatment required

Progressive Retinal Atrophy (PRA)

Progressive retinal atrophy (PRA) is a genetic ocular disorder frequently observed in Labradoodles, causing a gradual decline in retinal cells, eventually leading to vision loss and potential blindness. Routine eye examinations and early detection of PRA are vital for effectively managing the condition and adapting the dog’s surroundings to accommodate their diminishing vision. By proactively addressing this health issue, Labradoodle owners can ensure a high quality of life for their pets, making necessary adjustments to enhance their overall well-being and support them in their daily activities.

Estimated cost: 2,000$−5,000$

Hypothyroidism

Hypothyroidism is a common endocrine disorder affecting Labradoodles, characterized by an underactive thyroid gland that disrupts metabolism and various bodily functions. Labradoodles with hypothyroidism often experience weight gain, lethargy, skin problems, and behavioral changes. Regular veterinary screenings and lifelong medication management are essential to regulate thyroid levels and improve the affected dog’s overall health and vitality. With proper care and treatment, Labradoodles with hypothyroidism can lead active and fulfilling lives, maintaining a healthy weight and enjoying a good quality of life.

Estimated cost: 200$−1,000$

Allergies

Allergies are a frequent health issue in Labradoodles, presenting as skin irritation, itching, redness, and digestive problems. These allergies can be triggered by certain foods, pollen, dust mites, or other environmental factors. Identifying and avoiding allergens, making appropriate dietary adjustments, and following the prescribed medical treatment by a veterinarian are crucial for effectively managing allergies in Labradoodles. By addressing this health concern, owners can significantly enhance their Labradoodle’s comfort and well-being, allowing them to lead a healthy and happy life.

Estimated cost: 500$−2,000$ per year

Ear Infections

Ear infections are a common health problem for Labradoodles, particularly those with floppy ears that limit air circulation and retain moisture. Signs of ear infections include ear scratching, head shaking, and a foul odor from the ears. Regular ear cleaning, keeping the ears dry, and seeking prompt veterinary care for infections are essential practices to prevent chronic issues and maintain optimal ear health for Labradoodles. By attending to their ear health, owners can ensure that their Labradoodles have good hearing and a comfortable, infection-free experience throughout their lives.

Estimated cost: 100$-500$ per year.

Best Pet Insurance Companies For Labradoodles, 2024

Different pet insurance companies for Labradoodles are the same in many ways in that they will help ensure your pet is cared for and that your financial risk is limited, but they’re also different in some ways. So while one company may be best for your neighbor’s pet, another may be better for yours.

Here’s our breakdown of the best pet insurance companies for Labradoodles:

healthy-paws
Best Overall - Healthy Paws
Lemonade
Best Cheap Coverage - Lemonade
manypetsicon-logo
Best For Puppies - Many Pets
Best Pet Insurance, Labradoodles, 2024

Compare The Best Pet Insurance Companies For Labradoodles

As you can see from our breakdown of the best pet insurance companies for Labradoodles shown above, many high-quality companies are vying for the top spots. You can also see that each has its own particular strengths. Here’s a snapshot to give you a glance into each insurer:

Overall Rating Best For Waiting Period Reimbursement % Benefit Limit Get A Quote
Healthy Paws
4.9

Overall

15 days accident/illness

70%, 80%, 90%

Unlimited annual and lifetime

Instant Quote
Lemonade
4.8

Cheap

2 days accident, 14 days illness

70%, 80%, 90%

$5,000 to $100,000 annually

Instant Quote
Many Pets
4.8

Puppies

15 days accident/illness

70% or 80% (Most States)

Unlimited annual and lifetime

Instant Quote
Pumpkin
4.7

Older Dogs

14 days accident/illness

90%

$10,000, $20,000 or unlimited

Instant Quote
Spot
4.7

Multiple Pets

14 days accident/illness

70%, 80%, 90%

$2,500 to unlimited

Instant Quote
Scroll to see comparisons

Our Methodology

Opinions and subsequent ratings were based on reviewing each insurer's website, customer reviews, other review sites, and personal experience having purchased and used pet insurance in the past.

40

Quotes Analyzed

25+

Years Of Industry Experience

18

Brands Reviewed

32+

Research Hours

Detailed Reviews Of The Best Labradoodle Insurance Companies


Best Overall

Overall Rating
4.9

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
10/10 Claims
10/10 Coverage Level

Why We Like Them

Healthy Paws is the best pet insurance because it has no maximum on claim payouts, per-incident maximum, or caps. This means paying more, but it’s worth it to avoid putting pets down due to policy limits. Healthy Paws has one easy-to-understand policy, no costly add-ons, and allows you to use any licensed veterinarian. Submitting claims is simple through their mobile app or website, with most claims processed within two days.

Benefits & Drawbacks

Benefits
  • No maximum annual or lifetime payouts
  • Most claims processed within two days
  • 30-day money-back guarantee
  • Direct vet payments may be possible
Drawbacks
  • No routine wellness option

Runner-Up For Best Overall

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage Level

Why We Like Them

We found Lemonade to be the cheapest pet insurance for Labradoodles. While the limits are comparable to those of other companies we reviewed, they are not unlimited like those of Healthy Paws. Lemonade’s coverage limits range from $ 5,000 to $ 100,000 per year, with the premium increasing along with the limit you select.

Lemonade’s standard policy covers accidents and illnesses, including cancer, heart disease, skin conditions, broken bones, and hip dysplasia, a common ailment among older Labradoodles. Like most insurers, Lemonade doesn’t pay for medical costs for preexisting conditions, dental illnesses, behavioral issues, or elective procedures.

Benefits & Drawbacks

Benefits
  • Optional wellness plan available
  • Accident waiting coverage period of only two days
  • You get a 10% discount by bundling pet insurance with home, renters, or car insurance you have with Lemonade
Drawbacks
  • No 24/7 pet telehealth line
  • Coverage for vet exam fees has to be added for an extra cost
  • No coverage for prescription food or microchipping

Best For Puppies

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage Level

Why We Like Them

ManyPets has the most favorable coverage for puppies. Pre-existing coverages don’t affect the rates, cured conditions may be covered after 18 months, and unrelated conditions are still eligible for coverage.

Like all pups, young Labradoodles can suffer from illnesses like poisoning, ingesting foreign bodies, and accidents stemming from their youthful energy. Covering them when they’re younger makes it far less likely that you’ll ever run into exclusions for pre-existing conditions when they’re older.

Benefits & Drawbacks

Benefits
  • Available in more than 40 states
  • Covers vet exam fees for illness and accident visits
  • Offers optional wellness plans
Drawbacks
  • No 24/7 pet telehealth line
  • Doesn’t cover pet behavioral therapy
  • No coverage for alternative therapies

Best For Older Dogs

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage Level

Why We Like Them

As Labradoodles age, they are prone to genetic illnesses that can lead to costly treatments, namely cruciate ligament issues and hip dysplasia. Pumpkin has no special waiting period for these conditions and covers veterinarian exam fees if you have to take your older Lab in for treatment.

Pumpkin has a good selection of coverage options for a wide range of problems Labradoodles can experience, including surgeries and dental illnesses. You get a choice of three different deductibles and 90% reimbursement is standard.

Benefits & Drawbacks

Benefits
  • Optional wellness plan available
  • Discounts for insuring multiple pets
  • 90% reimbursement for dogs and cats 8 weeks and older
Drawbacks
  • No 24/7 pet telehealth line
  • No accident-only plan is available

Best For Multiple Pets

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
8/10 Claims
10/10 Coverage level

Why We Like Them

Many Labradoodle owners have multiple pets since Labs have such an amiable disposition. Spot provides a 10% discount for insuring more than one pet with them, which can add up to a lot of savings.

Spot’s optional preventive care plan provides coverage for wellness care, such as one annual visit to the vet, one fecal test, and one teeth cleaning. Some vaccinations are also covered.

Spot offers a 30-day money-back guarantee if you’re unsatisfied with the coverage or service. Spot also reimburses up to 90% on eligible vet bills, in addition to a 24/7 vet helpline. In addition, you can visit any U.S.-licensed veterinarian or specialist.

Benefits & Drawbacks

Benefits
  • Covers microchipping
  • Low $100 deductible is available
  • Has a 24/7 pet telehealth line
Drawbacks
  • Accidents have a 14-day waiting period, compared to 2 days with some top competitors

How To Find The Best Pet Insurance Company For You

The costs and types of pet insurance plans available on the market vary by company, making choosing one over the others challenging. To find the best plan for your pet, consider these tips before applying for coverage:

Check Whether Your Pet Is Eligible

Puppies and kittens often must be a minimum of 6 to 10 weeks old to be insured, depending on the company. Senior pets may not be eligible for first-time enrollment with some companies, or they may qualify for accident coverage only. Once the pet is enrolled, though, most plans will offer coverage for life as long as you continue paying the premiums.

Research What’s Covered

Pet insurance plans typically cover expenses like surgery, hospitalization and medication if your pet gets sick or hurt. However, there are certain things that some companies charge extra for or won’t cover at all. Here are a few examples:

  • Exam fees. Say your dog breaks her leg. Some plans will reimburse expenses like X-rays,  surgery and pain medication, but not the vet’s exam fee.
  • Alternative treatments and rehabilitation. Some companies include coverage for things like acupuncture and physical therapy in their standard plans. Others charge extra.
  • Behavioral therapies. Not all policies cover veterinary treatment for aggression or other behavioral issues.
  • Prescription food. Certain plans won’t cover food or supplements at all, even if your vet prescribes them for a covered condition.
  • Dental care. Pet insurance plans vary widely when it comes to caring for your pet’s teeth. For example, your policy may not cover dental illnesses such as gingivitis or periodontal disease. Alternatively, it may cover them only if your pet has had a recent tooth cleaning. Some add-on wellness plans pay for cleanings.

Note that pet insurance policies usually won’t cover pre-existing conditions, cosmetic procedures, or breeding expenses.

Decide How Much Coverage You Want

Most pet insurance plans cap the amount they pay out per year, although some have no annual limit. Only you can decide the amount that gives you reasonable peace of mind for paying vet bills.

If your dog or cat is relatively healthy, you might go years without paying for anything but routine care. But an unexpected surgery or serious illness could add up to thousands of dollars in expenses.

Understand Reimbursements And Deductibles

Most pet insurance plans reimburse you for a percentage of your vet bill. You can generally choose a reimbursement level — such as 70%, 80% or 90% — when you buy the plan.

Other plans pay what the insurance company deems a standard fee for a given treatment, which might be less than what your vet charges. You’d be responsible for the remainder.

Most plans also have a deductible — the dollar amount you pay out of pocket before the policy pays. You can usually choose from a range of deductibles, such as $100, $250, or more. Some plans apply deductibles to each injury or illness that’s treated. Most have you pay the deductible every year.

Generally, the lower your out-of-pocket costs are, the more you’ll pay for coverage. Alower deductible and higher reimbursement rate can lead to a higher premium, while a higher deductible and lower reimbursement rate can mean a lower premium.

Check Waiting Periods

Most plans include short waiting periods after you purchase the policy for general accident and illness coverage, such as 14 days. Your plan won’t pay for any treatment during the waiting period.

Some plans include longer waiting periods for coverage of certain conditions, such as cruciate ligament injuries — a common orthopedic problem for dogs. The cruciate ligaments help stabilize the knee; when injured, it can make it difficult for a dog to walk.

Examine Extra Costs

Some pet insurance companies offer coverage for routine services such as well visits and vaccinations. While this may sound tempting, do the math to determine whether it’s worth the extra cost. Compare the annual price of the wellness insurance plan with the amount you’d pay each year on your own for services the plan covers. Read the details because the items covered for “wellness” vary by pet insurance company.

Compare Quotes

The cost of insurance varies by carrier and the amount of coverage. Some pet insurers offer discounts; you might be able to save money by insuring more than one pet, for example. But a discount doesn’t guarantee the plan is the best deal.

The only way to find the best insurance for your pet is to dig into the details and get quotes for several plans. Make sure you’re making a fair comparison with similar coverage amounts, deductibles, and reimbursement limits.

Average Cost Of Pet Insurance For Labradoodles

Company Deductible Annual Reimbursement % Monthly Price Age Of Dog
Healthy Paws $500 70% $71 5 year old
Lemonade $500 70% $42 5 year old
Spot $500 70% $76 5 year old
Healthy Paws $500 80% $32 1 year old
Lemonade $500 80% $21 1 year old
Spot $500 80% $56 1 year old
Healthy Paws $500 70% $37 3 month old
Lemonade $500 70% $28 3 month old
Spot $500 70% $83 3 month old

Average Cost Of Typical Vet Procedures

Typical Vet Procedure Average Cost Of Procedure
Puppy vaccinations $75-100
Flea & tick prevention $40-200
Heartworm prevention $24-120
Spay or neuter surgery $200-800
Annual exam $240-600
Teeth cleaning $200-500
Microchip $40

Average Cost Of Emergency Vet Procedures

Emergency Pet Procedure Average Cost Of Procedure
General consultation/exam $100-$150
General bloodwork $80-200
X-rays $150-$250
Ultrasound $300-$600
1-2 day hospitalization $600-$1,700
3-5 day hospitalization $1,500-$3,500
Wound treatment & repair $800-$1,500
Emergency surgery $800-$2,500
Oxygen therapy $500

Is Pet Insurance Worth It For Labradoodles?

Pet insurance protects against unexpected veterinary bills. Many pet owners pay out-of-pocket for their pet’s medical expenses, but most Americans can’t afford a $1500 emergency vet bill. The right pet insurance can literally be a lifesaver. Having coverage will give you the freedom to make medical decisions for your furry family member based on the quality of life, not finances.

The value of pet insurance is largely based on your expectations. If your pet is currently undergoing treatment for a chronic condition and you would like help with the cost of the treatment, you will likely be disappointed as no company in our review covers preexisting conditions.

But, if you understand your policy and what it does and doesn’t cover and have a policy that fits your budget and needs, you are far more likely to consider the policy worth it.

Factors That Impact Cost Of Your Pet Insurance Policy

Similar to your health insurance plan, your pet insurance price is going to vary depending on certain factors, such as:

  • Where you live. Pet insurance companies take the cost of vet care in your area into account when pricing your policy.
  • Your pet’s age. Because older animals are more likely to have health problems, their premiums are generally higher.
  • Your pet’s breed. Certain breeds are more prone to health issues. For example, bulldogs and Boston terriers often develop breathing problems, while German Shepherds and other large breeds are more likely than others to get hip dysplasia. These potential problems may be reflected in the cost of your pet insurance plan.
  • Your deductibles, coinsurance and coverage limits. The less you’re willing to pay out of pocket for your pet’s care, the higher your pet insurance premium will be. For instance, choosing a $100 deductible instead of a $500 one means your plan will start reimbursing you sooner for your pet’s care — but it’ll cost you more in premiums.

FAQs

Is pet insurance cheaper for purebred dogs?

Because purebreds are more likely to have a genetic predisposition to costly diseases and conditions, they are likely to cost more to insure than mixed-breed dogs.

What is the average cost of owning a Labradoodle?

First-year costs are about $3,000 for vaccinations, food, grooming, and insurance, but the price drops to around $1,900 for each year after.

What insurance do you need for a dog?

A dog should have some level of pet insurance so the owner can pay vet bills that will keep their dog healthy and secure.

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