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With a toy or miniature Poodle and a Cavalier King Charles Spaniel as parents, Cavapoos—also called Cavoodles, Cavadoodles, and Cadoodles—are a more recent designer breed. Playful, outgoing, affectionate, and loyal, this adorable hybrid dog is an excellent addition to any family. However, this crossbreed may inherit several health issues from its parent breeds.
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Cavapoos are prone to several serious health conditions, such as diabetes, allergies, heart disease, ear infections, dental issues, various neurological, orthopedic, and ocular conditions, and more. Attending to your dog’s medical needs can be costly and emotionally taxing. Having pet insurance, however, can help alleviate these worries as it can pay a large percentage of your beloved dog’s medical bills.
With my decade-long experience in pet insurance and expertise with breed-specific health issues, I will walk you through the most common health issues that Cavapoos face and the associated expenses. I’ll also help you locate the best insurance companies for your pet.
Best Pet Insurance For Cavapoos
Understanding that purebred and designer crossbred dogs have specific pet insurance needs is essential. After extensive research, I’ve pinpointed the top pet insurance choices for Cavapoos. In choosing these insurers, I considered several factors to help you make a well-informed choice. These factors include common health issues in Cavalier King Charles Spaniels and Toy/Miniature Poodles, breadth of coverage, premium costs, age-related needs, and more.
| Best For | Company | Get Quotes | Read In-Depth Reviews |
|---|---|---|---|
| Most Affordable |  |  | Read Review |
| All-Inclusive Plans |  | | Read Review |
| Unlimited Payouts |  | | Read Review |
| Customizable Plans |  | | Read Review |
| Dental Benefits |  | | Read Review |
| Cavapoo Puppies |  | | Read Review |
| Vet Direct Pay |  | | Read Review |
Most Affordable: Pets Best
- Policy Options: Accident-Only, Accident & Illness, Wellness
- Annual Deductible Options: $50, $100, $200, $250, $500, $1,000
- Annual Payout Options: $5,000, $10,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Pets Best
Pets Best delivers outstanding coverage at competitive premium rates for Cavapoos. This insurer provides a range of budget-friendly options, including an accident-only plan and three customizable plans that cover both accidents and illnesses. Another advantage of Pets Best is its shorter waiting periods for accidents and orthopedic conditions, like hip dysplasia, patellar luxation, and intervertebral disc disease (IVDD), compared to other insurance providers. Additionally, you have the option to add a wellness plan for a modest monthly fee, which can assist with routine veterinary expenses like annual check-ups and vaccinations.
Expert Price Analysis
When I compared insurance for Cavapoos of various ages and locations, Pets Best frequently provided some of the lowest quotes, even when I included coverage for veterinary exam fees and complementary care. It’s also important to note that Pets Best offers excellent value with its maximum coverage (unlimited payouts, 90% reimbursement, and $100 deductible), which often had the lowest premiums compared to other insurers offering comparable benefits.
| Pros | Cons |
|---|---|
| Offers some of the most economical premiums for Cavapoos | Lengthy claim processing average of 18-30 days |
| One of few pet insurers with an accident-only policy | Accident and illness plan upgrades are required for vet exam fee and complementary care* coverage |
| Includes coverage for curable pre-existing conditions once they’ve healed | |
| Short waiting periods for hip dysplasia, patellar luxation, and IVDD coverage (14 days vs. 6 months) | |
| 5% off each policy when insuring multiple pets | |
| 2 wellness plan options available | |
| Doesn’t set enrollment or coverage limits for senior dogs |
In-Depth Review Of Pets Best
I recommend reading my comprehensive review of Pets Best to learn more about this provider’s numerous plans, customization choices, waiting periods, and other crucial information.
Best For All-Inclusive Plans: Fetch
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $250, $300, $400, $500, $600, $700
- Annual Payout Options: $5,000, $10,000, $15,000
- Reimbursement Options: 60%, 70%, 80%, 90%
Why I Picked Fetch
Fetch offers excellent pet insurance plans for pet owners who want full coverage with few exclusions. Every policy covers vet exam fees, dental disease, complementary and behavioral therapies, curable pre-existing conditions, and C-sections. Many of these benefits come with upgrade or add-on fees from other insurers or are unavailable.
Using Fetch can help you feel more at ease because this provider offers pre-approval of treatment procedures and their cost estimates prior to treatment. They also offer exclusive benefits like $1,000 annual coverage for virtual veterinary visits with no deductible, trip cancellation if your Cav falls ill, lost pet assistance, and more.
Expert Price Analysis
When I compared quotes for Cavadoodles, Fetch offered the best value with its maximum benefits ($100 deductible, 90% reimbursement, and $15,000 payout). It was more reasonably priced for younger Cavs compared to many other insurers providing comparable coverage. However, Fetch’s premiums were between average and above average for Cavs aged 5 and older.
| Pros | Cons |
|---|---|
| All-inclusive policies with very few exclusions | Lengthy 15-day waiting period for accidents |
| Numerous unique perks (free virtual vet visits, trip cancellation, pet boarding, etc.) | 6-month waiting periods for patellar luxation and hip dysplasia |
| Includes coverage for curable pre-existing conditions after a year with no symptoms | No savings for insuring multiple pets |
| Can obtain prior approval for procedures and cost estimates | Excludes coverage for IVDD in some cases* |
| Wellness plan option available | |
| Can enroll puppies as young as 6 weeks | |
| Doesn’t set enrollment or coverage limits for senior dogs |
In-Depth Review Of Fetch
Be sure to read my thorough review of Fetch, where I explore its all-inclusive policies, unique benefits, customization options, reimbursement process, and much more.
Best For Unlimited Payouts: Healthy Paws
- Policy Options: Accident & Illness
- Annual Deductible Options: $100, $250, $500, $750, $1,000
- Annual Payout Options: Unlimited
- Reimbursement Options: 50%, 60%, 70%, 80%, 90%
Why I Picked Healthy Paws
Healthy Paws is an excellent option for those concerned about surpassing pet insurance limits. Why? Healthy Paws provides unlimited annual payouts across all its policies, and the premiums are surprisingly affordable. Compared to other insurers with similar deductibles, reimbursement options, and no maximum limits, Healthy Paws often stands out as a budget-friendly choice.
Because this hybrid is prone to costly health problems inherited from its parent breeds, unlimited payouts are particularly advantageous for Cavapoo owners. Pet parents who choose Healthy Paws can be mindful of their costs and have peace of mind knowing that they have unlimited coverage. Additionally, Healthy Paws is renowned for its excellent customer service and quick claim processing.
Expert Price Analysis
Healthy Paws only offers unlimited payouts, making it challenging to compare its premium rates directly with those of other insurance companies. However, based on the quotes I ran, I noticed that the pricing for Cavapoo coverage tends to be similar or slightly higher than some other providers that offer a $5,000 payout, along with similar deductibles and reimbursement choices.
| Pros | Cons |
|---|---|
| Every policy includes unlimited annual payouts | Older dogs have limited customization options for deductible and reimbursement percentage |
| Some of the most affordable rates for comparable coverage and unlimited caps | No options for behavioral therapy or veterinary exam fee coverage |
| Quick claim processing—on average, 2 days | Some Cavapoos aren’t insurable due to location and age |
| Short waiting periods for patellar luxation and IVDD coverage (15 days vs 6 months) | Dogs who enroll at age 6 or older are ineligible for hip dysplasia coverage |
| All policies cover complementary therapies | Dogs under 6 years old face a long 12-month waiting period for hip dysplasia coverage |
| Consistently highly ranked for client satisfaction | Age limit of 14 years to enroll |
In-Depth Review Of Healthy Paws
Check out my extensive review of Healthy Paws for additional details on this provider’s benefits, customization options, age and coverage limitations, waiting periods, and other features.
Best For Customizable Plans: Figo
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750
- Annual Payout Options: $5,000, $10,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%, 100%
Why I Picked Figo
Figo offers a variety of options to help you create the perfect pet insurance plan for your Cavapoo. They provide three set plans that cover accidents and illnesses and a flexible plan that you can adjust for your deductible, reimbursement rate, and annual payout to fit your financial needs. With features such as 100% reimbursement and unlimited caps on yearly payouts, Figo stands out in the pet insurance industry.
Additionally, every Figo policy includes coverage for gum disease, complementary care, and behavioral therapies. Their quick one-day waiting period for accidents, an average claim processing time of just three days, and exceptional customer service make them even more appealing.
Expert Price Analysis
Figo often offered some of the most budget-friendly pricing for Cavapoo puppies for lower coverage ($5,000 payouts, 70% reimbursement, and a $750 deductible). However, their rates for higher coverage were not as competitive. Regarding older Cavapoos, Figo’s premiums tended to be around average to slightly above average.
| Pros | Cons |
|---|---|
| Flexible options to design the perfect plan | Veterinary exam fee coverage requires an add-on |
| 100% reimbursement option, which is rare in the industry | 6-month waiting periods for patellar luxation, hip dysplasia, and IVDD coverage |
| 1-day accident waiting period | |
| Includes coverage for curable pre-existing conditions after a year with no symptoms | |
| Quick claim processing—on average, 3 days | |
| Wellness plan option available | |
| Your deductible decreases by $50 each year you don’t make a claim | |
| 5% off each policy when insuring multiple pets | |
| Doesn’t set enrollment or coverage limits for senior dogs |
In-Depth Review Of Figo
Please see my detailed review of Figo to learn more about this insurer’s coverage, customization choices, reimbursement procedure, and my personal experience with Figo.
Best For Dental Benefits: Embrace
- Policy Options: Accident-Only, Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750, $1,000
- Annual Payout Options: $2,000, $5,000, $8,000, $10,000, $15,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Embrace
Due to their small jaws, both parent breeds of the Cavapoo are especially vulnerable to dental issues. Cavapoos often have overcrowded teeth, which can lead to unerupted adult teeth, misaligned teeth, and early dental disease. In contrast to many other insurers, Embrace provides broad dental benefits with few exclusions. Treatment for developmental abnormalities, extractions, endodontic disease, tooth infections, and more are covered in all policies. A $1,000 annual dental illness benefit is another feature that distinguishes Embrace from many other providers.
Cavapoos must have their teeth cleaned by a veterinarian every year to prevent dental disease. Embrace has a selection of optional wellness plans to assist with these costs. In addition to excellent dental coverage, each policy covers behavioral and complementary therapies. Adding prescription drugs and veterinary exam costs to your policy can give you some of the most comprehensive coverage available in the industry.
Expert Price Analysis
Based on the quotes I obtained for Cavapoos, Embrace consistently had some of the most affordable rates for lower coverage ($5,000 payout, 70% reimbursement, and a $750 deductible). However, premiums for mid-tier to high coverage levels were frequently above average.
| Pros | Cons |
|---|---|
| Offers some of the top dental benefits in the industry | Veterinary exam fee and prescription medication coverage require add-ons |
| 10% off each policy when insuring multiple pets | Some Cavapoos are ineligible for insurance due to age and location (e.g., dogs aged 5 and older aren’t eligible for coverage in California) |
| Your deductible decreases by $50 each year you don’t make a claim | 6-month waiting periods for patellar luxation, hip dysplasia, and IVDD coverage |
| Includes coverage for curable pre-existing conditions after a year with no symptoms | |
| Quick claim processing—on average, 5 days | |
| 3 wellness plan options available |
In-Depth Review Of Embrace
Check out my comprehensive review of Embrace to learn more about this provider’s broad coverage, numerous customization options, reimbursement process, and more.
Best For Cavapoo Puppies: Lemonade
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750
- Annual Payout Options: $5,000, $10,000, $20,000, $50,000, $100,000
- Reimbursement Options: 60%, 70%, 80%, 90%
Lemonade Pet Insurance Is NOT Available In: AK, DE, HI, ID, KS, KY, ME, SD, VT, WV, WY
Why I Picked Lemonade
Lemonade is well-known for its affordable pricing, and I found that their rates for Cavapoo puppies are among the most competitive. Plus, this provider has a two-day waiting period for accidents, which gives you reassurance that your puppy will be covered if they get hurt while exploring their new environment.
In addition, Lemonade offers a fantastic wellness plan tailored specifically for puppies. This plan includes spaying/neutering, two wellness check-ups, six vaccinations, two fecal tests for parasites, and more. It’s important to note that Lemonade started in the pet insurance market in 2020, so it doesn’t have the same long-standing presence as some other companies I suggest. Nevertheless, it has quickly earned a strong reputation with its customers.
Expert Price Analysis
I discovered that Lemonade frequently provided some of the most budget-friendly premiums for Cavapoo puppies and even for older dogs in several cases. The premiums remained quite competitive when I added coverage for vet exam fees.
| Pros | Cons |
|---|---|
| Among the most affordable premiums for Cavapoo puppies | Unavailable in 12 states |
| 5% off each policy when insuring multiple pets | Coverage for veterinary exam costs, dental illness, behavioral therapy, and complementary treatments require add-ons |
| Quick claim processing—on average, 2 days | |
| Includes coverage for curable pre-existing conditions after a year with no symptoms | |
| 2 wellness plan options (1 designed for puppies) | |
| Short waiting periods for hip dysplasia, patellar luxation, and IVDD coverage (30 days vs 6 months) |
In-Depth Review Of Lemonade
Check out my detailed review of Lemonade, where I explore this insurer’s coverage, multiple add-ons, customization choices, wellness programs, and much more.
Best For Vet Direct Pay: Trupanion
- Policy Options: Accident & Illness
- Lifetime Per-Condition Deductible Options: $0 – $1,000 (in $5 increments)
- Annual Payout Options: Unlimited
- Reimbursement Options: 50%, 60%, 70%, 80%, 90%, 100%
Why I Picked Trupanion
Trupanion’s VetDirect Pay is an innovative solution designed to tackle a frequent challenge pet owners face. This exceptional feature enables Trupanion to settle your veterinarian’s bill directly at checkout time, so you won’t have to pay out of pocket and wait for reimbursement. The VetDirect Pay system is integrated directly into the veterinarian’s computer system, providing a smooth and efficient experience. If your vet’s office hasn’t implemented it, you can talk to them about installing this simple system.
Remember that you’ll still be responsible for your copay and deductible. Still, VetDirect Pay can alleviate major financial worries regarding veterinary expenses during diagnosis and treatment, especially considering Cavapoos’ propensity to face costly health challenges like patellar luxation, IVDD, hereditary eye disorders, and many others.
Expert Price Analysis
I discovered that when I compared quotes for Cavapoo insurance, Trupanion’s rates stood out as significantly higher—often two to three times more costly than other pet insurance providers that offered the same coverage for a similar dog.
| Pros | Cons |
|---|---|
| Every policy includes unlimited annual payouts | High pricing compared to other insurers for Cavapoos |
| Trupanion can pay your vet directly, eliminating the wait for reimbursement | No options for veterinary exam fee coverage |
| Short waiting periods for hip dysplasia, patellar luxation, and IVDD coverage (30 days vs 6 months) | Illness waiting period is 30 days (most have 14 or 15 days) |
| Includes coverage for curable pre-existing conditions after a year with no symptoms | Age limit of 14 years to enroll |
| Quick claim processing—on average, 2 days |
In-Depth Review Of Trupanion
I encourage you to check out my in-depth review of Trupanion, which provides a comprehensive look at its coverage, customization possibilities, waiting periods, direct payment to vets, and other essential details.
What Type Of Pet Insurance Plan Is Best For Cavapoos?
Pet insurance policies fall into two categories: accident-only or accident and illness plans. Some providers also have optional wellness plans you can add to your insurance policy. It’s worth mentioning that these plans aren’t classified as insurance products. Still, I’ve included them here to give you insight into the options available for your Cavapoo, as they might be presented during enrollment.
| Accident-Only | Accident & Illness | Wellness | |
|---|---|---|---|
| Injuries (wounds, sprains, fractures, eye trauma, accidental poisoning, etc.) |  | | |
| Diseases (patellar luxation, allergies, diabetes, epilepsy, IVDD, ear infections, dental illness, etc. ) | | ||
| Preventative (annual wellness exams and routine labwork, professional dental cleaning, vaccinations, etc.) | |
What Are Accident-Only Pet Insurance Plans?
Budget-conscious pet owners who wish to ensure that their dog receives emergency care for conditions such as lacerations, broken bones, head or neck trauma, accidental poisoning, and intestinal blockage brought on by ingesting foreign objects should consider an accident-only insurance plan. Additionally, these plans can help pets with pre-existing medical conditions frequently not covered by full-coverage accident and illness insurance. Nevertheless, accident-only coverage is offered by very few insurance companies.
Pricing Tip – The premiums for insurance policies that only cover accidents are usually significantly less than those for plans that cover illnesses and accidents.
What Are Accident & Illness Pet Insurance Plans?
Accident and illness plans provide outstanding health insurance coverage for your dog. These policies protect against injuries and cover various illnesses and genetic issues that can impact Cavapoos, such as diabetes, mitral valve disease, allergies, hip dysplasia, Cushing’s disease, hereditary eye disorders, and more. With this insurance, you’ll be ready to tackle almost any health challenge your furry friend might face.
What Are Wellness Plans?
Combining a wellness plan with your pet insurance is a smart way to maintain your pet’s health. These plans can help lower your expenses for essential preventive health services like yearly checkups, vaccinations, professional dental cleanings, parasite control, and more. By having a wellness plan, you ensure that your beloved pet receives all the necessary preventive care, including the early detection of potential health issues.
Keep in mind that wellness plans are different from pet insurance; they are intended primarily for preventive care and do not pay for medical bills related to accidents or illnesses.
What Does Pet Insurance Cover & Exclude?
The following ailments, tests, and treatments, when recommended by a veterinarian, are covered by most providers’ accident and illness plans. However, coverage can vary greatly between insurers. To completely grasp the scope of your coverage, it is essential to carefully review your policy, as each company may place varying restrictions on particular conditions.
| Covered | Excluded |
|---|---|
| Blood tests | Boarding |
| Cancer (chemo & radiation) | Cremation & burial costs |
| CT scans | Elective procedures (e.g., declawing, ear cropping, spaying/neutering, tail docking, etc.) |
| Chronic conditions | Food & supplements |
| Congenital conditions | Grooming |
| Emergency care | Pre-existing conditions* |
| Euthanasia | Pregnancy & breeding |
| Hereditary conditions | Vaccines |
| MRIs | |
| Non-routine dental treatment | |
| Prescription medications | |
| Rehabilitation | |
| Specialized exams & care | |
| Surgery & hospitalization | |
| Ultrasounds | |
| X-rays |
Learn More About Pet Insurance Coverage
I recommend reading my in-depth guide on pet insurance coverage because it can be challenging to understand what is and is not covered by pet insurance.
What Determines The Cost Of Pet Insurance For Cavapoos?
The cost of pet insurance can vary depending on several factors. Here is a brief overview to help you understand why premiums differ.
- One of the most significant factors affecting pet insurance rates is your dog’s age. Because younger dogs are less likely to experience severe health issues, they usually have cheaper insurance rates than older dogs.
- The cost of living in your community also plays a significant role in determining insurance rates. Because veterinary costs are higher.
- The breed of your dog is another important factor. Compared to mixed breeds, purebreds typically have more health problems, which can result in higher insurance costs. Additionally, some purebreds are more likely to experience expensive health problems.
- Male dogs may have more significant insurance costs than female dogs. This is because of their size, which may necessitate more medical equipment and larger dosages of medications. However, not all insurance companies take gender into account when setting premiums.
While some factors may be beyond your control, there are still numerous ways to customize your pet insurance policy to meet your needs and budget. Let’s explore how you can make this work for you.
Customization Options Affect Cost & Benefits
Most pet insurance companies give you several choices to modify a policy’s maximum payout, reimbursement percentage, and deductible. These customizations let you design a plan that best meets your budget and your furry friend’s healthcare needs. However, it’s imperative to understand how these modifications impact your benefits and coverage.
What Is A Maximum Payout?
Pet insurance typically features two kinds of payouts: annual and lifetime. An annual payout refers to the highest sum the insurance provider will cover within a policy year, and this is the most common type among insurers. In contrast, a lifetime payout represents the total amount the insurance will disburse throughout your pet’s life while they are covered. Common annual payout choices include $5,000, $10,000, and unlimited coverage.
Pricing Tip – Opting for a lower payout can reduce your monthly premium. However, if your dog needs expensive medical treatment during the policy year, you could surpass your annual payout limit.
What Is A Deductible?
The deductible is the amount you must pay out of pocket before your insurance company reimburses you. Deductibles range from $0 to $1,000, with $100, $250, and $500 being the most commonly offered amounts. Pet insurance has two primary deductible types: annual and lifetime per condition. Here’s how each type works:
- Annual deductible: If your dog needs medical attention, you must pay a certain amount yearly as part of your policy. This is your policy’s full deductible, regardless of how many medical issues or treatments your dog requires throughout the year. You can better control the costs of your pet’s medical care if you have a set annual amount. Nearly all providers have annual deductibles.
- Lifetime per-condition deductible: A per-condition deductible must be paid each time your pet needs medical care for a brand-new condition. In the event that your dog develops several new health issues in a single year, this can quickly mount up. What’s the advantage of this type of deductible? It can be helpful for chronic conditions like diabetes, allergies, epilepsy, and Cushing’s disease because you only have to pay a per-condition deductible once during a pet’s insured lifetime. Trupanion is the sole provider that has per-condition deductibles.
Pricing Tip– Opting for a lower deductible means you’ll spend less out of pocket for your dog’s veterinary expenses, but it will result in a higher monthly insurance premium.
What’s The Reimbursement Percentage?
The reimbursement percentage indicates how much of your veterinary costs the insurance company will cover once you’ve paid your deductible. For example, if you choose a 90% reimbursement rate with a $500 deductible, you’ll need to pay the $500 first, and then you’ll only have to cover 10% of the total vet bill. Typical reimbursement rates include 70%, 80%, and 90%.
Pricing Tip – Opting for a reduced reimbursement rate can decrease your monthly premium, but you’ll need to spend more out of pocket for your pet’s healthcare expenses.
Learn More About Pet Insurance Costs
My comprehensive guide on pet insurance costs offers additional insights, including detailed examples of how different customization choices can impact your premium and benefits.
How Much Is Pet Insurance For A Cavapoo?
To get a precise pet insurance quote for your Cavapoo, fill out the form below with your dog’s information and zip code. After that, we will send you customized insurance quotes from several top-notch insurance companies. Reviewing sample quotes for Cavapoos can be helpful, but note that your dog’s insurance price may differ depending on their specific information.
According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. is $62.44 ($32.10 for cats).
I’ve collected quotes for Cavapoos of different ages and places to give you a general idea of pet insurance costs. These estimates take into account similar customization choices for deductibles, reimbursement rates, and payouts whenever feasible.
| Company | 6mo old male 95818 (Sacramento, CA) | 1yr old female 14211 (Buffalo, NY) | 2yr old male 33604 (Tampa, FL) | 5yr old female 78731 (Austin, TX) | 8yr old male 07305 (Jersey City, NJ) |
|---|---|---|---|---|---|
| $39.32 | $26.27 | $25.50 | $43.88 | $122.55 |
| $32.59 | $30.72 | $36.71 | $68.34 | $98.33* |
| $43.13*§ | $26.47*§ | $37.04*§ | $55.26*§ | $61.13†§ |
| $41.99 | $40.52 | $34.11 | $57.16 | $119.77 |
| $43.92 | $52.03 | $40.11 | $62.16 | $92.61 |
| $35.71 | $29.30 | $18.87 | $24.85 | $74.39 |
| $65.74§ | $80.91§ | $159.93‡§ | $106.02§ | $196.03§ |
*80% reimbursement; †50% reimbursement and $1,000 deductible (no other options); ‡$0 deductible; §Unlimited annual payouts
Cavapoo Insurance Cost: Lowest & Highest Amounts
I gathered the minimum and maximum monthly costs for Cavapoo pet insurance from the same providers. These amounts consider deductibles, reimbursement rates, payout limits, and optional add-ons but do not include wellness plans. To illustrate how costs vary with enrollment age, I included figures for two different ages in each location.
| Company | 2mo old 95818 (Sacramento, CA) | 5yr old 95818 (Sacramento, CA) | 2mo old 14211 (Buffalo, NY) | 5yr old 14211 (Buffalo, NY) | 2mo old 33604 (Tampa, FL) | 5yr old 33604 (Tampa, FL) | 2mo old 78731 (Austin, TX) | 5yr old 78731 (Austin, TX) | 2mo old 07305 (Jersey City, NJ) | 5yr old 07305 (Jersey City, NJ) |
|---|---|---|---|---|---|---|---|---|---|---|
| $18-$109 | $24-$147 | $12-$75 | $16-$101 | $13-$84 | $16-$104 | $16-$90 | $20-$111 | $22-$125 | $27-$155 |
| $22-$54 | $32-$81 | $22-$46 | $37-$81 | $24-$54 | $42-$95 | $28-$60 | $47-$105 | $26-$49 | $43-$84 |
| $26-$51 | $37-$74 | $20-$32 | Uninsurable | $16-$40 | $30-$75 | $28-$54 | $42-$66 | $25-$39 | $36-$57 |
| $19-$109 | $24-$142 | $17-$127 | $22-$165 | $14-$106 | $20-$154 | $16-$118 | $23-$172 | $22-$143 | $29-$186 |
| $16-$171 | Uninsurable | $18-$159 | $19-$163 | $16-$104 | $20-$135 | $19-$126 | $25-$165 | $20-$130 | $26-$170 |
| $18-$134 | $21-$154 | $18-$111 | $21-$125 | $13-$91 | $14-$94 | $18-$88 | $17-$86 | $21-$123 | $24-$109 |
| $40-$161 | $79-$344 | $44-$180 | $75-$321 | $41-$123 | $88-$262 | $34-$133 | $64-$273 | $40-$161 | $78-$339 |
What Are Waiting Periods For Cavapoo Pet Insurance?
The waiting period is the amount of time that passes between signing up for a pet insurance policy and when coverage starts. In most states,* waiting periods are set by the individual insurance company. For accidents, waiting times typically range from 0 to 15 days; for illnesses, they are roughly 14 days. However, some insurers have longer waiting periods for specific spinal and orthopedic conditions. Hip dysplasia, patellar luxation, and IVDD are among the conditions that can impact Cavadoodles.
*States are gradually adopting a Model Law for pet insurance, aiming to standardize regulations, including uniform waiting periods. In California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, Washington, Rhode Island, and Maryland, waiting periods are:
- Accidents: 0 days
- Illnesses: 14 days
- Cruciate Ligament Conditions: 30 days
- Routine Care: 0 days
Learn More About Waiting Periods
My comprehensive guide to pet insurance waiting periods explains why pet insurance companies have waiting periods and provides other important details.
How Does Pet Insurance For Cavapoos Work?
Using pet insurance is a straightforward process once the waiting periods outlined in your policy are over.
- After your pet has received care, you pay your veterinarian directly.
- To file a claim, fill out a claim form and include an itemized receipt to send to your insurance provider. It’s wise to bring a copy of the claim form to your appointment, as some insurers may require the vet’s signature.
- Once your claim is approved, you’ll receive reimbursement* via your chosen payment method, whether direct deposit, a check, or another option.
*Remember that reimbursement times can vary significantly, ranging from just a few minutes to several weeks, depending on the complexity of your claim and the insurance company’s processing timeline.
15 Health Issues In Cavapoos
Although Cavapoos typically live 10 to 15 years, they may experience many health problems inherited from one or both of their parent breeds. Understanding the typical health threats and possible expenses related to caring for this crossbreed is essential for Cavapoo owners.
- Research indicates that Poodles and Cavaliers are some dog breeds most susceptible to patellar luxation (kneecap dislocation). Over 50% of dogs with this condition experience issues in both hind knees. Often, surgery is necessary to address these ongoing knee problems, with costs ranging from $1,500 to $3,000 for each knee.
- Hip dysplasia develops due to improper bone alignment in the joint socket, causing increasing pain and immobility. Each affected hip may require surgery, which costs from $1,700 to $4,500.
- Intervertebral disc disease (IVDD) results in the discs between the vertebrae moving into the spinal canal and is common in both parent breeds. Techniques available for detecting and treating this issue include MRIs, X-rays, medications, surgeries, regular checkups, and physical therapy. The typical cost of these procedures ranges from $3,000 to $8,000.
- Chiari-like malformation and syringomyelia (CM/SM) is a central nervous system structural disorder that impacts Cavaliers. In dogs suffering from this painful condition, the skull is too small for the brain, leading to the formation of fluid-filled cavities in the spinal cord. Diagnosis costs $1,500 or more. Treatment may involve medications, which are approximately $50 each month, or surgical intervention, which can reach up to $10,000.
- Allergies are ongoing issues that require various treatments based on their cause and severity. The costs for diagnosis, tests, medications, injections, special diets, skin creams, and more can easily exceed $2,000 throughout a dog’s life.
- This breed is susceptible to chronic skin diseases known as congenital ichthyosis (inherited from Cavaliers) and sebaceous adenitis (inherited from Poodles). These conditions can lead to skin flaking, hair loss, and recurring skin infections. The treatment required can vary based on the specific condition and its severity, often involving oral medications, special shampoos, and topical ointments for life. On average, the monthly expenses for treatment are around $50.
- Cavapoos are prone to ear infections due to their floppy ears and thick hair, which retain moisture and serve as a haven for bacteria and fungi. Whenever an infection arises, diagnostic procedures, prescription drugs, and initial and subsequent veterinary care can cost $500 or more.
- Overproduction of cortisol by the body results in Cushing’s disease. Treatment usually involves a change in diet and lifelong medication. The cost of a diagnosis can reach $1,500, and the cost of continuing medication can range from $50 to $200 per month.
- Both parents can pass on several eye conditions to Cavapoos, including cataracts, glaucoma, entropion, cherry eye, and more. The costs vary according to the particular condition. For example, cataract surgery typically costs between $2,600 and $3,800, while treating glaucoma can cost over $2,000. Treatment for other problems may cost over $1,000 each
- Dogs with epilepsy suffer from seizures caused by irregular electrical activity in their brains. For straightforward cases, the annual expenses for medications and routine vet visits typically range from $500 to $1,000. On the other hand, more complicated cases may need more frequent check-ups and pricier medications, leading to annual costs between $1,000 and $5,000.
- Due to their small jaws and crowded teeth, this crossbreed is susceptible to early-onset dental disease. Preventing gum disease is crucial for Cavapoos. Establishing a consistent dental care routine at home and professional cleanings are essential, and they can cost anywhere from $300 to $700 per year. A wellness plan can help cover the cost of yearly dental cleanings.
- Mitral valve disease is a long-term, progressive heart condition that impacts almost 50% of Cavaliers by the time they reach 5 years old and nearly all by the age of 10. This condition is also commonly found in Toy and Miniature Poodles. The costs for diagnosis and medication can range from $500 to $2,000. The only definitive cure is specialized surgery, which costs around $30,000.
- Cavapoos are genetically prone to diabetes, a chronic condition marked by the body’s inability to regulate blood sugar levels. Up to $500 may be spent on diagnostic testing. The daily insulin injections required for diabetic dogs can cost up to $80 a month for the duration of their lives. They also need two to four veterinary examinations per year and routine blood and urine testing.
- Problems with the anal glands or sacs can occur in Cavapoos. An in-hospital medication infusion is usually required for an infected impaction, costing up to $1,000 per case. Some Cavs have these problems so often that they need an anal sacculectomy, which is the surgical excision of the anal glands. For this specialized procedure, the cost ranges from $750 to $2,000.
- A genetic neurological disorder called degenerative myelopathy causes the hind legs to gradually weaken and lose their ability to function. The diagnosis can cost from $500 to $4,000. The disease’s progression may be slowed with nutritional supplements and physical therapy, which can cost $500 or more per month. Unfortunately, there isn’t a cure.
Aren’t Designer Dogs Healthier Than Purebreds?
Recent research conducted by the Royal Veterinary College in the U.K. has called into question the assumption that crossbred designer dogs are healthier than purebreds. The research examined Labradoodles, Cavapoos, and Cockapoos, comparing them to their purebred parents, which include Poodles, Labrador Retrievers, Cavalier King Charles Spaniels, and Cocker Spaniels. The researchers looked into the likelihood of each breed (both pedigree and hybrid) facing one or more of the 57 most common health issues in dogs. The results showed no significant differences in health risks among the breeds analyzed. For further insights on this research, feel free to read my article about the health of designer dogs.
Is Pet Insurance Worth It For Cavapoos?
Take a look at the numbers. Testing statistics by The Orthopedic Foundation of America (OFA)* show that almost 16% of Cavalier King Charles Spaniels have been found to have hip dysplasia, over 13% suffer from advanced heart issues, more than 24% are affected by degenerative myelopathy (DM), and around 17% show at least one eye abnormality. In the case of Toy and Miniature Poodles, nearly 12% are diagnosed with hip dysplasia, over 7% with intervertebral disc disease (IVDD), close to 7% have dental issues, and about 12% experience eye abnormalities.
*Note: The OFA doesn’t have data on most designer dog breed testing; it only publishes testing stats for purebreds.
A 2015 study by the Royal Veterinary College (RVC) involving more than 1,700 Cavalier King Charles Spaniels revealed that the most common health issues among these dogs in the U.K. included heart murmurs (30.9%), diarrhea of unknown origin (11%), dental problems (9.5%), otitis externa (9.2%), conjunctivitis (7.4%), and anal sac infections (7.4%). Additionally, further research by the RVC in 2023 indicated that one in every 60 Cavaliers in the U.K. is affected by syringomyelia.
Cavapoos may experience various health problems that could be inherited from either of their parents. If you don’t have pet insurance, this can lead to expensive veterinary bills. The good news is that pet insurance lets you provide your pet with high-quality medical care without worrying about paying hefty bills. Purchasing insurance for your dog is crucial before any health emergencies or genetic issues arise. Remember that most insurance companies do not cover pre-existing conditions.
Determine If Your Cavapoo Needs Insurance
My guide on the value of pet insurance can assist you in evaluating the advantages and disadvantages of purchasing health insurance for your Cavadoodle.
5 Steps To Find The Best Pet Insurance For Cavapoos
Several important considerations should be made when selecting an insurance plan that fits your budget and your pup’s medical requirements.
- Investigate the financial standing and reputation of each insurance provider. Newer companies can be less dependable than well-established ones with a strong track record.
- Think about the possible health problems Cavapoos may face and learn about the coverage and restrictions each insurer offers for these conditions.
- Choose between a more comprehensive plan that includes illness coverage or a more basic one that only covers accidents.
- It’s also crucial to understand how long it takes for each provider to process claims and handle reimbursement.
- To properly compare rates, get quotes from a minimum of three pet insurance providers.
Methodology
To determine the best pet insurance for Cavapoos, we analyzed more than 40 U.S. pet insurance companies to provide an unbiased breakdown of how providers compare against one another. Our in-depth research includes:
- Running thousands of price quotes
- Reading hundreds of customer reviews
- Scrutinizing every policy from top to bottom and reading all the fine print
- Scoping out the purchase process
- Speaking with customer service representatives
- Having firsthand experience submitting claims with companies
- Comparing plan customization details
- Examining how long it takes to receive reimbursement
- Factoring in company history and years in the pet insurance marketplace
- Meeting with company representatives to discuss changes related to the industry, their company, and their offerings
- Requiring national experience for companies
Unlike many other review sites, we refuse to let pet insurance companies pay for the top spot in our rankings. Companies must earn their position in our comparisons by performing well in the marketplace. We also point out each company’s pros and cons in light of their competitors’ strengths. In doing so for over a decade, we’ve helped pet parents make more educated decisions among the top pet insurance options. Pet insurance providers read our reviews, regularly check them for accuracy, and value our input to help create positive industry changes and better protect your pets. We only recommend the best of the best because it’s what our readers deserve.
Additional Pet Insurance Resources
- Best Pet Insurance
- Is Pet Insurance Worth It?
- What Does Pet Insurance Cover?
- How Much Does Pet Insurance Cost?
- Best Pet Insurance For Pre-Existing Conditions
Why Trust Canine Journal?
Canine Journal has been covering the topic of pet insurance since 2012, well before other conglomerates discovered the rising popularity of health care for our pets. Many of our authors have personal experience with pet insurance, including Kimberly Alt, who has been Canine Journal’s go-to writer for pet insurance for over a decade, having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head, she can find it within minutes due to her vast list of resources. Kimberly also has extensive knowledge of dog health conditions, which can help her recommend pet insurance providers to pet owners with specific breeds.
Kimberly collaborated with Sally Jones, a seasoned health sciences communications professional with decades of experience. Sally specializes in dog health and is adept at producing content on technical topics such as pet insurance. Her wealth of knowledge and insight played a crucial role in this article’s thorough research and composition.
Kimberly also consulted with Michelle Schenker, Canine Journal’s in-house licensed insurance agent, for additional expertise to ensure accuracy and give Canine Journal the authority to write about and assist readers in purchasing policies that are accurately represented.
