Best Pet Insurance For Golden Retrievers In July, 2024

Based on my professional assessment, I believe that Healthy Paws presents the best pet insurance policy for Golden Retrievers.

We’ve saved shoppers an average of $350 per year on their pet insurance.

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Updated: 08 May 2024
Written by Bob Phillips
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When you’re the owner of a Golden Retriever, it’s natural to prioritize their health and overall welfare. Due to their purebred nature, Golden Retrievers have a higher susceptibility to genetic health issues compared to mixed-breed dogs. Regrettably, a significant majority of pet owners, about 80%, might not have the means to cover an unforeseen veterinary bill of $500 from their own pockets. Nonetheless, enrolling in pet insurance can significantly mitigate your financial vulnerability.

Within this review, we’ll explore some of the leading pet insurance providers catering to Golden Retrievers, helping you to select the policy that best matches your requirements. It’s important to note that pet insurance operates in a similar way to personal health insurance, granting access to better treatment possibilities while capping your own personal costs. However, unlike individual health insurance, pet insurance won’t lead to extremely high costs.

Best Pet Insurance Companies For Golden Retrievers 2024

Best Overall - Healthy Paws
Best Cheap Coverage - Lemonade
Best for Puppies - ManyPets
Best Pet Insurance Companies For Golden Retrievers 2024

Comparison Of The Best Pet Insurance Companies For Golden Retrievers

This overview of the best pet insurance providers for Golden Retrievers shows that there are many great companies that deserve your attention. Additionally, you'll observe that each company has distinct advantages. Here's a quick glimpse into each insurer to provide you with a proper understanding:

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


Unlimited annual and lifetime


15 days accident/illness

Instant Quote


Unlimited annual and lifetime

70% or 80% (most states)

15 days accident/illness

Instant Quote


$5,000 to $100,000 annually


2 days accidents, 14 illness

Instant Quote

Older Dogs

$10,000, $20,000, or unlimited


14 days accidents/illness

Instant Quote

Multiple Pets

$2,500 to unlimited


14 days accident/illness

Instant Quote
Scroll to see comparisons

Our Methodology

The evaluations and resulting ratings were created through a comprehensive assessment of each insurer's website, customer feedback, external review platforms, and personal familiarity gained from prior purchases of pet insurance.


Quotes Analyzed


Years Of Experience


Brands Reviewed


Research Hours

Detailed Reviews Of The Best Golden Retriever Insurance Companies

Best Overall

Overall Rating

Key Statistics

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

Why We Like Them

Healthy Paws stands out for pet insurance due to its unique feature of not having any limits on claim payouts, per-incident maximums, or restrictive caps.

While the cost might be higher, the value lies in the prevention of pet euthanasia due to policy constraints.

Healthy Paws simplifies matters with a straightforward policy, eliminating expensive add-ons, and granting the freedom to consult any licensed veterinarian. Submitting claims is simple through their user-friendly mobile app or website, and the majority of claims are efficiently processed within two days.

Benefits & Drawbacks

  • Unlimited annual and lifetime payouts
  • Speedy processing for most claims, typically within two days
  • Provides a 30-day money-back guarantee
  • Potential for direct vet payments
  • Lack of a routine wellness option

Runner-Up for Best Overall

Overall Rating

Key Statistics

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

Why We Like Them

In our assessment, Lemonade emerged as the most cost-effective pet insurance option for Golden Retrievers. Although the coverage limits align with those of other reviewed companies, they are not unlimited like those of Healthy Paws. Lemonade’s coverage extents span from $5,000 to $100,000 per year, with the premium increasing based on your chosen limit.

Lemonade’s standard policy encompasses accidents and illnesses, including illnesses such as cancer, heart disease, skin conditions, fractures, and the common issue of hip dysplasia in older Golden Retrievers. Similar to the majority of insurers, Lemonade excludes coverage for preexisting conditions, dental problems, behavioral issues, and elective procedures.

Benefits & Drawbacks

  • Opportunity to include an optional wellness plan
  • Short accident waiting period, just two days
  • Potential 10% discount for combining pet insurance with Lemonade home, renters, or car insurance
  • Absence of a 24/7 pet telehealth line
  • Vet exam fee coverage requires an additional cost
  • Lack of coverage for prescription food or microchipping

Best for Puppies

Overall Rating

Key Statistics

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

Why We Like Them

ManyPets shines in providing the best coverage for puppies. Rates remain unaffected by pre-existing conditions, and cured conditions might become eligible for coverage after 18 months. Furthermore, unrelated conditions can still qualify for coverage.

Just like any young pups, youthful Golden Retrievers are susceptible to illnesses such as poisoning, ingestion of foreign objects, and accidents arising from their boundless energy. Insuring them at a younger age significantly diminishes the likelihood of running into exclusions for pre-existing conditions as they mature.

Benefits & Drawbacks

  • Accessible in over 40 states
  • Encompasses vet exam fees for both illness and accident-related visits
  • Provides the option for wellness plans
  • Absence of a 24/7 pet telehealth line
  • Exclusion of coverage for pet behavioral therapy
  • Lack of coverage for alternative therapies

Best for Older Dogs

Overall Rating

Key Statistics

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

Why We Like Them

As Golden Retrievers grow older, they become susceptible to genetic illnesses that often require expensive treatments, particularly problems like cruciate ligament issues and hip dysplasia.

Pumpkin sets itself apart by eliminating specific waiting periods for these conditions and including coverage for veterinarian examination fees, should the need arise for treatment of your senior Goldie.

Pumpkin offers a great selection of coverage choices, addressing a broad spectrum of potential issues that Golden Retrievers might encounter, including surgeries and dental problems. Select from three deductible options, and a standard 90% reimbursement rate is provided.

Benefits & Drawbacks

  • Possibility to include an optional wellness plan
  • Potential for discounts when insuring multiple pets
  • Offers 90% reimbursement for dogs and cats aged 8 weeks and above
  • Absence of a 24/7 pet telehealth line
  • Unavailability of an accident-only plan

Best for Multiple Pets

Overall Rating

Key Statistics

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

Why We Like Them

Given the Golden Retriever’s friendly nature, many owners find themselves looking after multiple pets. Spot acknowledges this by offering a 10% discount for insuring more than one pet with them, which can lead to substantial savings.

Spot’s optional preventive care plan extends coverage to wellness care, including an annual veterinary visit, a fecal test, and a teeth cleaning. Certain vaccinations are also included.

Backing their service, Spot presents a 30-day money-back assurance for dissatisfaction with the coverage or service. Furthermore, they reimburse up to 90% of qualifying veterinarian expenses and provide access to a 24/7 vet helpline. Additionally, you have the flexibility to consult any licensed veterinarian or specialist within the United States.

Benefits & Drawbacks

  • Includes microchipping coverage
  • Offers a low $100 deductible option
  • Features a 24/7 pet telehealth line
  • Accidents necessitate a 14-day waiting period, in contrast to 2 days seen with certain leading competitors

Average cost of pet insurance for Golden Retrievers 

Company Deductible Annual Reimbursement % Monthly Price Age of Dog
Lemonade $500 80% $21 1 year old
Healthy Paws $500 70% $69 5 year old
Lemonade $500 70% $35 5 year old
Spot $500 70% $70 5 year old
Healthy Paws $500 80% $42 1 year old
Spot $500 70% $77 3 month old
Healthy Paws $500 70% $40 3 month old
Lemonade $500 70% $34 3 month old
Spot $500 80% $50 1 year old

Average cost of typical vet procedures

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

Average cost of emergency vet procedures  

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

Common health issues for Golden Retrievers

Like all purebred dogs, including Golden Retrievers, a tendency toward health problems is not uncommon. Over time, certain breeders might have overlooked genetic considerations while breeding Golden Retrievers, leading to concerns that impact the overall Goldie community. Generally, Golden Retrievers have a higher susceptibility to genetic health challenges compared to other breeds.

Outlined below are some prevalent health concerns for Golden Retrievers:

  • Hip Dysplasia
  • Skin Irritation, Allergies and Ear Infections
  • Hypothyroidism
  • Cataracts
  • Gastric Dilation Volvulus (GDV)
  • Heat Problems

Is pet insurance worth it for Golden Retrievers?

Pet insurance serves as a safeguard against unforeseen veterinary expenses. While many pet owners manage medical costs directly, a majority of Americans find it challenging to handle an emergency vet bill of $1500. The right pet insurance plan can be a literal lifesaver. Having  coverage empowers you to base medical choices for your beloved pet on their quality of life, free from financial constraints.

The value of pet insurance is chiefly determined by your expectations. If your pet is currently undergoing treatment for an ongoing illness and you’re seeking financial help for its costs, it’s important to note that none of the companies reviewed cover preexisting conditions.

However, if you grasp the scope of your policy—understanding what it encompasses and excludes—while selecting a plan that aligns with your budget and requirements, you’re likely to find the policy’s worth substantial.

How to find the best pet insurance company for you

Selecting the right pet insurance plan can be confusing due to the diversity in costs and plan options across different companies. To help you make this decision, keep these pointers in mind before you decide on coverage for your pet:

Check whether your pet is eligible

For young ones like puppies and kittens, most companies require a minimum age of 6 to 10 weeks for insurance eligibility. Senior pets, however, might encounter restrictions in their first-time enrollment with certain companies, possibly being limited to accident only coverage. After enrollment, though, the majority of plans provide lifelong coverage, as long as you keep up with the premium payments.

Research what’s covered

Typically, pet insurance plans cover expenses related to surgery, hospitalization, and medications when your pet faces illness or injury. However, there are specific aspects that certain companies may charge extra for or omit from coverage altogether. Here are some examples:

  • Exam fees: Let’s say your dog breaks a leg. While many plans might reimburse costs for items like X-rays, surgery, and pain relief, the veterinarian’s examination fee might not be included.
  • Alternative treatments and rehabilitation: Certain companies include coverage for practices like acupuncture and physical therapy into their standard plans, while others may demand additional fees.
  • Behavioral therapies: It’s noteworthy that not all policies incorporate veterinary treatment for concerns like aggression or behavioral problems.
  • Prescription food: A handful of plans may not include coverage for prescribed food or supplements, even if your vet recommends them for a covered condition.
  • Dental care: Pet insurance policies exhibit considerable variation concerning dental care. For instance, your policy might not encompass dental ailments such as gingivitis or periodontal disease. Alternatively, it might cover such conditions solely if your pet recently underwent a tooth cleaning. Some optional wellness plans may cover cleaning expenses.

Keep in mind that pet insurance policies generally exclude pre-existing conditions, cosmetic procedures, and breeding-related expenditures from their coverage.

Decide how much coverage you want

The majority of pet insurance plans establish an annual payout limit, although a few feature unlimited annual coverage. Ultimately, the level of coverage that provides you with a satisfactory sense of security for managing veterinary expenses is a personal decision.

When your dog or cat is in good health, you could potentially go years without encountering anything beyond routine care expenses. However, unforeseen surgical procedures or severe illnesses could accumulate into expenses amounting to thousands of dollars.

Understand reimbursements and deductibles

The majority of pet insurance plans operate on a reimbursement basis, where you’re refunded a percentage of your veterinary expenses. Typically, you have the flexibility to select your preferred reimbursement level, such as 70%, 80%, or 90%, when you acquire the plan.

On the other hand, certain plans follow an approach where they pay a standard fee for specific treatments, a sum that might be lower than your vet’s charges. Consequently, you would be accountable for covering the remaining balance.

Most plans also incorporate a deductible, which is the initial amount you pay before the policy comes into effect. You typically have a range of deductible options to choose from, like $100, $250, or higher. Some plans apply deductibles for each treated injury or illness, while most require you to fulfill the deductible once per year.

In general, a trade-off exists between your out-of-pocket expenses and the cost of coverage. Opting for a lower deductible and a higher reimbursement rate could result in a higher premium, whereas selecting a higher deductible and a lower reimbursement rate may lead to a lower premium.

Check waiting periods

The majority of plans feature brief waiting periods immediately after policy purchase, typically around 14 days, for general accident and illness coverage. During this waiting period, the plan won’t provide coverage for any treatments.

Certain plans impose extended waiting periods for coverage of specific conditions, such as cruciate ligament injuries, which are frequent orthopedic issues in dogs. Cruciate ligaments play a pivotal role in knee stability; their injury can severely impact a dog’s ability to walk.

Examine extra costs

Some pet insurance companies cover regular services like check-ups and shots. While this might seem attractive, weigh the costs. Compare the yearly price of the wellness plan with what you’d spend each year on the services it covers. Read carefully as the covered items for “wellness” vary by insurance company.

Compare Quotes

Insurance expenses fluctuate based on the provider and the extent of coverage. Several pet insurers provide discounts; for instance, insuring multiple pets might lead to potential savings. Nonetheless, a discount alone doesn’t necessarily imply that the plan is the optimal choice.

To discover the most suitable insurance for your pet, it’s crucial to delve into the specifics and obtain quotes from multiple plans. Ensure a fair evaluation by comparing coverage amounts, deductibles, and reimbursement limits that are alike across the plans.

Factors that impact cost of your pet insurance policy

Much like your health insurance, the price of your pet insurance can fluctuate based on specific factors, including:
Geographic location: Pet insurance companies consider local vet care costs when determining your policy’s price.

  • Pet’s age: Older animals tend to have more health issues, resulting in higher premiums.
  • Pet’s breed: Certain breeds have a predisposition to health problems. For example, breeds like bulldogs and Boston terriers often experience breathing difficulties, while larger breeds like German Shepherds have a higher likelihood of hip dysplasia. These tendencies might influence your pet insurance costs.
  • Deductibles, coinsurance, and coverage limits: The less you’re willing to pay out of pocket for your pet’s care, the more your insurance premium will be. Opting for a lower deductible, for instance $100 instead of $500, leads to quicker reimbursement for your pet’s care, but it’s tied to higher premium costs.

Information about Golden Retrievers

Golden Retrievers, cherished for their amiable temperament and intelligence, are renowned retriever breeds. Originally hailing from Scotland, they’ve garnered acclaim as service, therapy, and guide dogs due to their remarkable adaptability. Cloaked in a lustrous double coat, they come in three primary colors: vibrant gold, pale cream, and dark gold.

With a spirited and sociable demeanor, Golden Retrievers flourish in active households and relish outdoor engagements. Their keen olfactory senses coupled with natural swimming prowess render them adept waterfowl retrievers. As devoted companions, Golden Retrievers create deep connections with their owners, reflecting an affectionate and gentle nature.


Is pet insurance cheaper for purebred dogs?

Due to the increased likelihood of genetic predisposition to costly diseases and conditions, insuring purebred dogs tends to come with higher costs compared to mixed-breed dogs.

What is the average cost of owning a Golden Retriever?

In the initial year, the expenses tally up to approximately $3,000, covering vaccinations, food, grooming, and insurance. However, the annual costs subsequently decrease to around $1,900 per year.

What insurance do you need for a dog?

It’s advisable for dog owners to have a degree of pet insurance to ensure they can manage veterinary expenses, thereby maintaining their dog’s health and well-being.

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