Poodle pet insurance, and pet insurance in general, has been around longer than most people would think. The first policy was issued in the 1890s. This insurance for animals was originally offered to cover horses and livestock and then expanded to include the first insured dog in Sweden in 1924. The first dog to be insured in North America was the canine film/TV star Lassie in 1982. Pet Insurance has become more prominent and complex as of 1997 and has led to over 500,000 pets being insured in the US alone by 2005.

If you have been a pet owner for any length of time, you may have encountered the fact that visits to the veterinarians can become extremely expensive, especially if your pet has an emergency or a chronic medical issue.  Unexpected health issues or accidents that cause multiple visits or an emergency stop can cause financial and emotional hardship as a poodle owner.

Possible Medical Issues Covered by Poodle Pet Insurance

If you are aware of the issues that can arise with your poodle, then you can also make an informed decision about pet insurance. Being aware of their predisposition to possible health issues is important when it comes to understanding their care costs. Some medical problems apply to the breed as a whole, while some are unique to a particular poodle size.

Beautiful poodles from Ms. Manabe Hiroko @rumi_verite

Each medical problem comes with a price tag that includes both diagnosing the issue and then moving forward with ongoing care if needed. A poodle’s lifespan averages between 11-15 years with the record being at 28 years old. Whether their lives are short or long, they are susceptible to certain conditions that will come with veterinary costs that can go into the 1000’s of dollars. Some of these most common conditions are:

Type of Medical Issues and Costs by Type

  • Epilepsy
    • $200-$15000
    • All Types
  • Cushing’s Disease
    • $500- $2000
    • Mostly Toys
  • Progressive Retinal Atrophy (PRA)
    • $2000-$3000 (each eye)
    • All Types
  • Legg-Perthes Disease
    • $2000-$4000
    • All Types
  • Hip Dysplasia
    • $4000-$6000 (each hip)
    • Standard & Miniature
  • Cancer
    • $5000-20,000
    • All Types – Skin-Toys
  • Bloat/Torsion (stomach)
    • $1500-$7500
    • Standards
  • Addison’s Disease
    • $2400 p/y
    • All Types
  • Luxating Patella (knee)
    • $1500 – $3000 (each knee)
    • All Types
  • Hypothyroidism
    • Depends on treatment
    • All Types
  • Mitral Valve Disease
    • $1000-$5000
    • All Types
  • Degenerative Myelopathy
    • Depends on treatment
    • All Types
  • Trachea Issues
    • Depends on severity
    • Toy & Miniature

Coverage to Consider

There are different insurance coverages to consider, but most policies have some regular items that are standard in their policies. No pet insurance company will cover pre-existing conditions that your poodle has. However, they will cover accidents and unexpected illnesses. This often includes:

  • Emergency services
  • Accidents
  • Basic illnesses
  • Cancer care
  • Orthopedic issues and care
  • Hereditary conditions if previously undiagnosed
  • Prescriptions for medications such as those found in pet pharmacy

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A few will cover routine care, but that is not always the case, so its best to read the companies policy closely before deciding on one. Be wary of veterinary clinics that only promote one insurance. It’s important to make sure whatever you buy is the best one for your poodle rather than just one the vet prefers. If you need to go to a company outside of your veterinarian’s recommendation, that is fine as long as it meets you and your poodle’s health and financial needs.

Researching Pet Insurance

When looking for the correct medical insurance for your pet, make sure to do your due diligence by sifting through the various policies that are out there. The most expensive is not necessarily the best, and the fine print can be misleading if you do not read it thoroughly. There are more than a few places to find information about insurance:

Possible Premium Costs for Your Poodle

As you begin to search for pet insurance, you will notice that premiums go up and down depending on the company and the plan you look into. The older your poodle is, the higher the premium. There will come a point where you have to take the cost of the deductible and the monthly premiums into account versus an older pup who has maintained good health over the years. Some ballpark costs for poodles are:

  • 8 weeks old – $700 deductible – $35.59 per month
  • 4-year-old – $700 deductible – $48.31 per month
  • 10-year-old – $700 deductible – $83.29 per month

In many cases, you can work at customizing a policy, so the monthly premiums are affordable. You can look in the area of deductibles, regular veterinary visits, or reducing some coverages to make it work for you and your poodle.

Once you have a ballpark amount from various companies and complete your research, you can begin to assess what are the pros and cons of each policy and do a cost-benefit analysis.  There is not a cut and dry solution when there is both your poodle’s health care and your own financial well being is in the mix.

Final Thoughts

Pet insurance is a good idea for your poodle if you can find an acceptable option that balances your poodle’s health care with your pocketbook. Do some comparison shopping and look at all the options, premiums, and restrictions. Make sure that if you choose a policy, that it covers conditions that apply to your poodle and that there is no limit on benefits annually. This is most important if your dog was to get sick with something chronic and need medicine and treatment on a consistent, ongoing basis.

It would be unhelpful to pay a monthly premium only to find out you have not only a deductible to payout but also a cap on the treatment your poodle needs. There are good policies out there, but you need to do your research to make sure you get the best one for you and your poodle.