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The Labradoodle combines the friendliness of a Labrador Retriever with the brains of a Poodle. Labradoodles are among the most popular hybrid breeds and make excellent furry companions for active families. However, there are various health conditions this crossbreed can inherit from its parent breeds.
Some of the major health issues that Labradoodles are susceptible to include allergies, gastric torsion, hip dysplasia, CCL ruptures, cancer, intervertebral disc disease (IVDD), and epilepsy. Taking care of your dog’s medical needs can be both financially and emotionally draining. However, one way to alleviate these concerns is by having pet insurance, which can cover a significant portion of your Doodle’s veterinary expenses.
With my 10 years of experience in pet insurance and knowledge of breed health issues, I will guide you through the most common health problems faced by Labradoodles and the corresponding costs. Additionally, I will assist you in finding the most suitable insurance providers for your Doodle.
Best Pet Insurance For Labradoodles
First, to clarify, this guide is for standard Labradoodles rather than miniature Labradoodles. Mini LDs most commonly have Labrador Retriever and Miniature Poodle parents. Mini Poodles have some health issues are different from Standard Poodles.
It’s important to note that purebred and designer crossbred dogs have unique pet insurance requirements. After conducting thorough research, I’ve identified the best pet insurance options for Labradoodles. When selecting these insurers, I considered various factors to assist you in making an informed decision. These include insurance coverage, health problems found in Labradors and Standard Poodles, premium pricing, age, and more.
| Best For | Company | Get Quotes | Read In-Depth Reviews |
|---|---|---|---|
| Most Affordable |  |  | Read Review |
| Value |  | | Read Review |
| Unlimited Payouts |  | | Read Review |
| Short Accident Waiting Period |  | | Read Review |
| Labradoodle Puppies |  | | Read Review |
| Customizable Plans |  | | 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, Unlimited
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Pets Best
Pets Best provides excellent coverage at some of the most affordable premium pricing for your Labradoodle. This provider offers a variety of economical plans, including an accident-only plan and three customizable accident and illness plans.
Pets Best offers quicker waiting periods for accidents and hip dysplasia coverage compared to some other insurers. This can give you peace of mind, knowing your coverage will start sooner. You can also opt for their wellness plan add-on for a reasonable monthly fee. This helps you with regular veterinary care expenses such as yearly check-ups and vaccinations.
Expert Price Analysis
With all levels of coverage, Pets Best Labradoodle premiums were consistently among the cheapest quotes I looked at for a range of ages and locations. This also held true when I added coverage for complementary care and veterinary exam costs.
| Pros | Cons |
|---|---|
| Often the most affordable for lower and higher coverage | Lengthy claim processing average of 18-30 days |
| Budget-friendly accident-only plan option | Plan upgrades required for vet exam fee and complementary care* coverage |
| 5% off each policy when insuring more than 1 pet | CCL coverage has a 6-month waiting period (accident and illness plan) |
| Includes coverage for curable pre-existing conditions once they’ve healed | Accident-only plans do not cover CCL ruptures |
| Short waiting periods for hip dysplasia and IVDD coverage (14 days) | |
| 2 wellness plan options available | |
| Doesn’t set age limits for senior dogs |
In-Depth Review Of Pets Best
Be sure to read my in-depth review of Pets Best to find more detailed information on this provider’s comprehensive coverage, plan options, customizations, and more.
Best Value: Fetch
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $250, $300, $400, $500, $700
- Annual Payout Options: $5,000, $10,000, $15,000
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Fetch
If you’re looking for comprehensive coverage to protect your Labradoodle from head to tail, Fetch could be the ideal choice. Their policies offer excellent value, minimal exclusions, and a wide range of covered services. You can expect coverage for dental illness, veterinary visit costs, curable pre-existing conditions, complementary treatment, behavioral therapy, and C-sections.
What sets Fetch apart from other insurers is its unique benefits. It provides $1,000 coverage for vet telehealth appointments, trip cancellation if your dog gets sick, and more. Additionally, Fetch offers pre-approval for treatment procedures and their cost estimates.
Expert Price Analysis
When comparing quotes for Labradoodles, I found that Fetch provided the best value with its maximum benefits ($100 deductible, 90% reimbursement, and $15,000 payout). It was more affordable than many other insurers offering similar coverage options. However, Fetch’s premiums were about average to above average for lower coverage options like a $5,000 payout, 90% reimbursement, and a $500 deductible.
| Pros | Cons |
|---|---|
| Fantastic value for extensive coverage with few exclusions | Accident waiting period is 15 days (many have a few days) |
| Includes coverage for curable pre-existing conditions after no symptoms for a year | Coverage for hip dysplasia and CCL injuries have waiting periods of 6 months |
| $1,000 for virtual vet visits, pet boarding, and many other special perks | No premium discounts if you insure more than 1 pet |
| Optional wellness plan | Excludes coverage for IVDD in some cases* |
| Pre-approval of procedures and costs to give you peace of mind | |
| Doesn’t set age limits for senior dogs |
In-Depth Review Of Fetch
If you want to learn more about what this provider has to offer, I have written a detailed review of Fetch that explores its broad coverage, special perks, customization choices, reimbursement process, and 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 outstanding choice if you’re concerned about exceeding your pet insurance coverage in any given policy year. Why? Not only does Healthy Paws offer unlimited annual payouts in all policies, but it also has surprisingly reasonable premiums. Compared to other insurance providers offering the same deductible, reimbursement, and no maximum cap, this insurer is often the more affordable choice.
Unlimited payouts are especially favorable for Labradoodle owners, as this hybrid is prone to expensive health issues from accidents and conditions inherited by its parent breeds. By choosing Healthy Paws, pet parents can have peace of mind with unlimited coverage while being mindful of their expenses. Healthy Paws is also known for fast claim processing and fantastic customer support.
Expert Price Analysis
It can be difficult to compare this provider’s premium rates with those of other insurance companies because they only offer unlimited payouts. However, the pricing for Labradoodle coverage is often similar to or just slightly higher than policies from other providers that offer a $5,000 payout, along with similar deductibles and reimbursement options.
| Pros | Cons |
|---|---|
| Every policy offers limitless caps | Restricted options for older dogs’ customizations |
| Among the most affordable rates for comparable coverage and unlimited payout plans | Some Doodles aren’t insurable due to location and age |
| Covers complementary treatment | No options for veterinary exam fee or behavioral therapy coverage |
| Shorter claim processing average (2 days) | Coverage for hip dysplasia is not available for dogs who enroll at age 6 and up |
| Waiting periods for IVDD and CCL tears are only 15 days (many have 6 months) | Extended 12-month waiting period before hip dysplasia coverage begins |
| Long record of high customer satisfaction | Age limit of 14 years to enroll |
In-Depth Review Of Healthy Paws
My comprehensive review of Healthy Paws provides more details about this insurer’s coverage options, exclusions, customization features, waiting periods, and additional insights.
Best For Short Accident Waiting Period: 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
Thanks to their Labrador parent, Labradoodles tend to get into mischief — particularly eating things they shouldn’t. If this sounds like your Doodle, consider getting Figo pet insurance for its short one-day waiting period for accidents. Starting on day two after enrolling, your dog will be fully covered if he swallows a foreign object, gets injured from rough play, or develops canine bloat, a life-threatening emergency.
Figo is an excellent choice because it offers a wide range of customization options, including unlimited annual caps and full reimbursement, which is rare in the industry. Its policies also cover complementary care, behavioral therapies, and gum disease. They even cover treatable pre-existing conditions, such as ear infections, which are common in Labradoodles.
Expert Price Analysis
When I compared quotes for Labradoodles with less coverage (with $5,000 payouts, 70% reimbursement, and a $750 deductible), Figo’s premiums were usually average to slightly above average. However, Figo’s maximum coverage (unlimited payouts, 90% reimbursement, and a $100 deductible) was higher than many other insurers.
| Pros | Cons |
|---|---|
| Offers the option of 100% reimbursement | Must pay extra for vet exam cost coverage |
| 1-day waiting period for accidents | Coverage for hip dysplasia, CCL injuries, and IVDD have waiting periods of 6 months |
| Coverage for complementary care, dental illness, and behavioral therapy in every policy | |
| Includes coverage for curable pre-existing conditions after no symptoms for a year | |
| Optional wellness plan | |
| $50 deductible reduction each year you’re claim-free | |
| Shorter claim processing average (3 days) | |
| 5% off each policy when insuring more than 1 pet | |
| Doesn’t set age limits for senior dogs |
In-Depth Review Of Figo
If you want more details about Figo’s pre-configured and customizable plans, coverage, waiting periods, reimbursement procedures, and my personal experience, check out my in-depth review of Figo.
Best For Labradoodle Puppies: 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
Embrace allows you to enroll your puppy as early as six weeks, unlike many other insurers who typically require pets to be at least eight weeks old. Your little Doodle will be covered if they get hurt playing or if they swallow something they shouldn’t because there is a short two-day waiting period for accidents.
Moreover, Embrace provides some of the most extensive sickness and accident coverage. Every policy covers $1,000 annually for dental illness care in addition to behavioral and complementary therapies. If you want to enhance your plan, you have the option to include prescription medications and veterinary exam fees. Because of its declining deductible, Embrace is also a great choice if you wish to enroll your puppy for lifetime care.
Expert Price Analysis
When I compared quotes across various locations, Embrace consistently offered some of the most affordable premium prices for Labradoodle puppy insurance. Pricing was still competitive when I added coverage for vet exam fees and prescription medications.
| Pros | Cons |
|---|---|
| Very affordable pricing for Labradoodle puppies | Must pay extra for vet exam cost and prescription drug coverage |
| Coverage for complementary care, $1,000 for dental illness, and behavioral therapy in every policy | Some Doodles aren’t insurable due to location and age |
| 10% off each policy when insuring more than 1 pet | Coverage for hip dysplasia, CCL injuries, and IVDD have waiting periods of 6 months |
| $50 deductible reduction each year you’re claim-free | |
| Includes coverage for curable pre-existing conditions after no symptoms for a year | |
| Shorter claim processing average (5 days) | |
| Optional wellness plans |
In-Depth Review Of Embrace
Learn more about this insurer’s coverage and benefits, numerous customization options, add-ons, and more in my thorough review of Embrace.
Best For Customizable Plans: Lemonade
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500
- Annual Payout Options: $5,000, $10,000, $20,000, $50,000, $100,000
- Reimbursement Options: 70%, 80%, 90%
Lemonade Pet Insurance Is NOT Available In: AK, AZ, DE, HI, ID, KS, KY, LA, ME, MT, WV, WY
Why I Picked Lemonade
Lemonade stands out with its unique approach to pet insurance policies, allowing Labradoodle owners to personalize their coverage based on their budget and pet health concerns. The basic plan offered by Lemonade is often considered one of the most cost-effective choices in the industry. However, for those seeking broader benefits, Lemonade allows you to enhance this plan with various add-ons. These optional add-ons include coverage for dental disease, vet visit costs, complementary treatment, behavioral therapy, and end-of-life benefits. Additionally, Lemonade offers two budget-friendly wellness plans to choose from.
Moreover, Lemonade offers flexibility regarding deductibles, annual payout, and reimbursement rate options, allowing customers to customize their benefits further. It is worth noting that Lemonade entered the pet insurance industry in 2020. Despite being relatively new compared to other insurers mentioned in this article, it has quickly built a strong reputation.
Expert Price Analysis
After reviewing insurance quotes for Labradoodles of different ages and across various cities, Lemonade often emerged as one of the most affordable options compared to other insurers’ policies with a $500 deductible, 90% reimbursement, and $5,000 payout. Its rates are highly competitive for lower coverage but fall about average for higher coverage.
| Pros | Cons |
|---|---|
| Highly competitive premium pricing for lower coverage for Labradoodles | Only available in 38 states and Washington, DC |
| 5% off each policy when insuring more than 1 pet | Coverage for vet visit fees, dental benefits, complementary care, and behavioral therapy require add-ons |
| Shorter claim processing average (2 days) | CCL coverage has a 6-month waiting period |
| Includes coverage for curable pre-existing conditions after no symptoms for a year | |
| Optional wellness plans | |
| Shorter waiting periods for hip dysplasia and IVDD coverage (30 days) |
In-Depth Review Of Lemonade
Check out my comprehensive review of Lemonade, where I uncover more details about this insurer’s multiple add-ons, customizations, wellness plans, AI-driven reimbursement process, and more.
Best For Vet Direct Pay: Trupanion
- Policy Options: Accident & Illness
- Per-Incident 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 a revolutionary feature that addresses a common pain point for pet owners. This unique system allows Trupanion to pay the veterinarian’s bill directly, eliminating the need for you to pay upfront and wait for reimbursement. The VetDirect Pay software is installed directly onto the vet’s computer, ensuring a seamless process. If your vet doesn’t have it, you can discuss the possibility of getting it installed. With Trupanion’s VetDirect Pay, you can enjoy the peace of mind that comes with no waiting time for reimbursement.
Expert Price Analysis
When comparing quotes for Labradoodle premiums, I found that Trupanion’s prices were noticeably higher, sometimes even two or three times more expensive, compared to other pet insurers offering the same coverage for an identical dog.
| Pros | Cons |
|---|---|
| Every policy offers limitless caps | Much higher pricing than other insurers for Labradoodles |
| Vet direct pay available with participating vets | No option for veterinary exam fee coverage |
| Waiting periods for hip dysplasia, CCL tears, and IVDD are only 30 days (many have 6 months) | Illness waiting period is 30 days (most have 14 or 15 days) |
| Includes coverage for curable pre-existing conditions after no symptoms for a year | |
| 100% reimbursement and $0 deductible are options in some states | |
| Shorter claim processing average (2 days) |
In-Depth Review Of Trupanion
I invite you to read my extensive review of Trupanion for a more detailed understanding of its coverage options, customizations, waiting periods, vet direct pay, and other important information.
What Type Of Pet Insurance Plan Is Best For Labradoodles?
Generally, two types of pet insurance plans are available: accident-only plans and accident and illness plans. In addition, certain providers offer optional wellness plans that can be added to your insurance policy. However, it is important to note that these plans are not considered insurance products. Nonetheless, I have included them here to provide information regarding the choices available for your Doodle, as they may be offered during enrollment.
| Accident-Only | Accident & Illness | Wellness | |
|---|---|---|---|
| Injuries (canine bloat, foreign object ingestion, wounds, sprains, broken bones, etc.) |  | | |
| Diseases (allergies, elbow/hip dysplasia, arthritis, epilepsy, cancer, eye disorders, Addison’s disease, etc.) | | ||
| Preventative (vet wellness exams, vaccines, professional dental cleaning, parasite prevention, etc.) | |
What Are Accident-Only Pet Insurance Plans?
Accident-only pet insurance plans are available to help you pay for emergency veterinary treatment costs if your pet experiences unexpected injuries or accidents. These plans can assist in situations such as intestinal blockages, gastric torsion, lacerations, fractures, eye trauma, poisoning, and other non-illness-related emergencies.
If you’re on a tight budget or if your pet has pre-existing conditions that would not be covered by a more comprehensive insurance plan, you might want to consider an accident-only policy. It’s important to note that these plans do not cover hereditary conditions or illnesses, and only a few providers offer them.
Pricing Tip – The premiums for accident-only insurance policies are typically less expensive than those for accident and illness plans.
What Are Accident & Illness Pet Insurance Plans?
Accident and illness pet insurance plans provide extensive protection for various medical challenges your furry friend may face. This includes physical injuries, illnesses, and hereditary conditions that Labradoodles can be prone to, such as hip dysplasia, eye disorders, allergies, skin disease, hypothyroidism, Addison’s disease, IVDD, and more. With this insurance, you will have the financial means to handle almost any health concern for your dog.
What Are Wellness Plans?
Wellness plans cover the cost of routine annual vet exams, vaccinations, annual professional dental cleanings, parasite prevention, and other regular preventive care. Adding a wellness plan to your pet insurance policy is a smart way to invest in your pet’s health to keep them as healthy as possible.
Pet insurance plans and wellness plans are two distinct products. Wellness plans do not cover illnesses, injuries, or inherited diseases; instead, they only cover preventive care costs.
What Does Pet Insurance Cover & Exclude?
The choice of insurance provider and the specific policy you opt for play a significant role in determining the extent of coverage your pet insurance offers. Generally, accident and illness policies cover the items below as long as a veterinarian verifies their medical necessity. Keep in mind, though, that there could be restrictions on this coverage, so it’s essential to carefully examine the details of any policy you consider.
| 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
Understanding the finer points of coverage and exclusions can be difficult, so I suggest reading my comprehensive guide on pet insurance coverage for assistance.
What Determines The Cost Of Pet Insurance For Labradoodles?
Pet insurance costs vary depending on several factors, such as where you live, how old your dog is, the underwriting requirements of the insurance companies, and more. I’ve included a summary of some of these elements below.
- Your dog’s age will significantly influence the cost of your pet insurance. For example, it’s usually more expensive to insure older dogs because they are more likely than younger dogs to have health problems. The cost of living in your area affects the premiums for pet insurance.
- The cost of living affects you and your veterinarian, so if you live in an expensive area, you should expect higher costs for both pet insurance and veterinary care.
- The breed of your dog has a big impact on insurance costs as well. Certain crossbreeds and purebreds are more likely than mixed breeds to experience health problems.
- The cost of premiums may vary depending on your dog’s gender. Males can be more expensive to insure than females due to their larger stature. However, not all insurance companies increase their premiums based on a dog’s gender.
You might have little control over every factor that affects the cost of your policy. However, many insurance providers give you plenty of choices to customize your coverage based on your dog’s needs and your budget. Let me break it down for you below.
Customization Options Affect Cost & Benefits
Most pet insurance providers give you multiple options to adjust the deductible, reimbursement percentage, and maximum payout. These customization options allow you to create a plan that best suits your needs. It’s critical to comprehend how these changes affect your coverage and benefits.
What Is The Maximum Payout?
There are two types of payouts in pet insurance: annual and lifetime. An annual payout is the maximum amount the insurance company will pay during the year of your policy. Most providers offer annual payouts. On the other hand, a lifetime payout is the maximum amount the insurance will pay out over the pet’s entire life (while they’re insured). The common annual payout options pet insurance companies offer are $5,000, $10,000, and unlimited.
Pricing Tip – Choosing a lower payout decreases your monthly premium. However, if your dog requires very costly medical care in a given year, you might exceed your annual payout cap.
Is The Deductible Annual Or Per-Incident?
The deductible refers to the fixed amount you must pay yourself before the insurance company steps in to reimburse you. Typically, deductibles fall between $100 and $1,000, with the most frequently chosen amounts being $100, $250, and $500. In pet insurance, you’ll encounter two main types of deductibles: annual and per-incident. I explain below how they differ.
- Annual deductible: An annual deductible is a set figure you must pay each policy year (given your dog requires treatment). This is your entire deductible, regardless of the number of health problems your pup faces or treatments your dog needs during the year. Having a predetermined annual sum helps you better manage your pet’s medical care costs. Almost all providers have annual deductibles.
- Per-incident deductible: You are responsible for paying a per-incident deductible each time your pet requires medical attention for a new health issue. This can quickly add up if your dog experiences multiple new health problems in a year. What’s the benefit of this type of deductible? Since you only have to pay a per-condition deductible once over a pet’s insured lifetime, it can be advantageous for chronic illnesses like allergies, epilepsy, arthritis, and hypothyroidism. Trupanion only offers per-incident deductibles.
Pricing Tip – Selecting a lower deductible increases your monthly premium, but it reduces your out-of-pocket costs at the time of treatment.
What’s The Reimbursement Percentage?
The reimbursement percentage refers to the portion of your veterinary expenses the insurance provider will pay for after you’ve met your deductible. Typical reimbursement rates are 70%, 80%, and 90%. For instance, if you opt for a 90% reimbursement rate, you’ll need to pay your chosen deductible first, and then you’ll only be responsible for 10% of the overall vet bill.
Pricing Tip – Selecting a higher reimbursement rate will raise your monthly premium, but it also results in lower out-of-pocket expenses for your dog’s treatment.
Learn More About Pet Insurance Costs
My extensive guide on pet insurance costs provides more information, including specific examples of how various customization options affect your benefits.
How Much Is Pet Insurance For Labradoodles?
To obtain an accurate pet insurance quote for your Labradoodle, please provide your zip code and your dog’s details in the form below. Then, we will provide you with personalized insurance quotes from multiple top-rated insurers specifically for your Doodle. While it can be helpful to review sample quotes for Labradoodles of varying ages and in different areas of the U.S., please keep in mind that the insurance cost for your dog may vary based on their individual details.
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 $56.30 ($31.94 for cats).
I have gathered quotes for Labradoodles of various ages and locations to give you a rough estimate of pet insurance costs. These quotes consider similar customization options for deductibles, reimbursement percentages, and payouts when possible.
| 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) |
|---|---|---|---|---|---|
| $36.31 | $23.14 | $23.85 | $41.45 | $115.76 |
| $37.74 | $35.15 | $42.63 | $75.31 | $113.59* |
| $35.94*§ | $26.47*§ | $46.22§ | $49.93*§ | $61.13†§ |
| $44.69 | $39.02 | $31.17 | $51.77 | $134.19 |
| $32.41 | $38.38 | $27.67 | $51.08 | $76.97 |
| $30.14 | $25.65 | $16.78 | $37.79 | $63.17 |
| $71.67§ | $93.58§ | $169.70‡§ | $102.98§ | $203.27§ |
*80% reimbursement; †50% reimbursement and $1,000 deductible (no other options); ‡$0 deductible; §Unlimited annual payouts
Labradoodle Insurance Cost: Lowest & Highest Amounts
I also compiled the same providers’ minimum and maximum monthly costs for Labradoodle pet insurance. These figures factor in deductibles, reimbursement rates, payout limits, and optional add-ons (excluding wellness plans). I have included two different ages for each location to demonstrate how costs differ based on enrollment age.
| 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) |
|---|---|---|---|---|---|---|---|---|---|---|
| $16-$101 | $22-$136 | $10-$66 | $14-$89 | $12-$79 | $15-$97 | $15-$85 | $19-$105 | $21-$118 | $25-$146 |
| $25-$63 | $42-$106 | $28-$58 | $43-$94 | $28-$63 | $49-$111 | $31-$66 | $52-$116 | $30-$56 | $50-$97 |
| $21-$55 | $31-$62 | $20-$42 | Uninsurable | $28-$67 | $45-$118 | $26-$66 | $38-$60 | $25-$51 | $36-$57 |
| $20-$116 | $26-$151 | $16-$122 | $21-$159 | $13-$97 | $19-$141 | $14-$107 | $20-$155 | $25-$160 | $32-$208 |
| $12-$126 | Uninsurable | $13-$117 | $14-$120 | $11-$71 | $14-$93 | $16-$104 | $21-$136 | $16-$108 | $21-$141 |
| $16-$120 | $22-$155 | $17-$99 | $20-$112 | $12-$74 | $15-$99 | $34-$142 | $27-$122 | $20-$107 | $23-$122 |
| $43-$176 | $87-$378 | $50-$206 | $85-$367 | $70-$130 | $150-$278 | $33-$130 | $63-$265 | $42-$167 | $81-$351 |
What Are Waiting Periods For Labradoodle Pet Insurance?
The time that elapses between enrolling in a pet insurance policy and coverage beginning is known as the waiting period. In most states,* each insurance company determines its waiting periods. Waiting periods usually range from 0 to 15 days for accidents and approximately 14 days for illnesses. However, some insurers have longer waiting periods for certain orthopedic and spinal conditions. Those that can affect Labradoodles are hip dysplasia, CCL ruptures, and IVDD.
*States are slowly adopting a Model Law for pet insurance. This Model Law attempts to standardize each state’s regulations, which includes a standard for waiting periods that all companies must follow. Waiting periods for California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, Washington, Rhode Island, and Maryland are as follows:
- Accidents – 0 days
- Illnesses – 14 days
- Cruciate Ligament Conditions – 30 days
- Routine Care – 0 days
Learn More About Waiting Periods
Learn the key facts about pet insurance waiting periods as well as the reasons behind these restictions set by most providers.
How Does Pet Insurance For Labradoodles Work?
After the waiting periods specified in your policy have elapsed, using pet insurance is an easy process.
- After your dog has received treatment, pay your vet directly.
- To submit a claim, complete a claim form and attach an itemized receipt to send to your insurance provider. Taking a copy of the claim form with you to your appointment is a good idea, as some insurers may need the vet’s signature.
- Once your claim is approved by the insurance company, you will receive reimbursement through your selected payment method (direct deposit, check, etc.).
*Reimbursement times can vary widely, taking anywhere from just a few minutes to several weeks. This largely depends on the complexity of your claim and the timeframe the company provides for processing it.
18 Common Health Issues In Labradoodles
Labradoodles typically live for 12 to 15 years but can develop various health issues inherited from either or both of their parent breeds. As a Labradoodle owner, it is crucial to be aware of the common health risks and potential costs associated with caring for this crossbreed.
- Elbow and hip dysplasia are progressive conditions caused by the joints becoming too loose. They lead to pain and difficulty walking. Surgery is often recommended to enhance overall well-being, and costs range from $1,700 to $4,500 or even higher.
- Labradoodles are prone to cranial cruciate ligament (CCL) injuries (similar to the ACL in humans) due to their high energy levels and genetic makeup. The best treatment option is orthopedic surgery, which can cost anywhere from $1,600 to over $6,000.
- Deep-chested breeds, such as Labs and Poodles, are at risk of developing a potentially fatal condition known as gastric dilatation-volvulus (GDV) or canine bloat. This occurs when a dog eats excessively or too hastily, leading to the expansion and twisting of the stomach. Immediate emergency care is crucial, and the cost of treatment can amount to $3,000.
- Allergies are chronic conditions that require different treatments depending on the cause and severity. Diagnosis, tests, medications, injections, special diets, skin creams, etc., can cost well over $2,000 over your pup’s lifetime.
- Labradoodles are prone to ear infections because of their floppy ears and thick hair, which retain moisture and act as a haven for bacteria and yeast. The initial and subsequent veterinary visits, diagnostic testing, and medication can cost from $250 to $500 per infection.
- This crossbreed can suffer from various genetic eye diseases such as cataracts, glaucoma, and progressive retinal atrophy (PRA). Identifying these diseases can be expensive, and the cost of their treatment can be even higher. The cost of treating glaucoma can be up to $2,000. The price for cataract removal surgery ranges from $2,600 to $3,800. Unfortunately, there is no cure for PRA.
- Arthritis is a chronic disorder of the joints that may require ongoing, variable treatment. In less serious cases, the cost of prescription medications and physical therapy sessions can reach $500 or more per month. More serious cases might require surgery, which carries a potential thousand-dollar or more price tag.
- Sebaceous adenitis is a chronic skin condition that Labradoodles may inherit from their Poodle parent. This disease causes skin infections, hair loss, and scaling and requires lifelong care. Topical creams, medicated shampoos, and oral medication average $50 monthly.
- Labradoodles can inherit Addison’s disease from their Poodle parents. It is caused by the adrenal gland’s decreased production of corticosteroids. A diagnosis might set you back $500 to $1,500. The cost of medication, which is required for life, can vary from $50 to $200 per month. Regular monitoring of the blood and urine is an additional cost.
- Both parent breeds can pass down epilepsy to Labradoodles. Epilepsy causes irregular electrical activity in a dog’s brain, leading to seizures. Uncomplicated cases can cost about $500 annually for medications and regular check-ups. For more complex cases, dogs may need more frequent visits and pricier medications, with annual expenses potentially reaching between $1,000 and $5,000.
- Both parent breeds of Labradoodles are prone to hypothyroidism, a condition characterized by insufficient thyroid hormone production. Treatment includes lifelong medication and regular testing. Medication costs $20 to $50 on average per month. A yearly retest is required to ensure the medication is still working, which can cost anywhere from $50 to $100.
- Von Willebrand disease is a genetic blood condition, which Poodles are prone to, that results in insufficient production of von Willebrand factor (vWF), which causes excessive bleeding. Treatment options include blood transfusions, surgery (which can cost anywhere from $800 to $1,500), or injecting a synthetic hormone to temporarily raise vWF levels.
- Dilated cardiomyopathy (DCM) occurs when the heart struggles to pump blood effectively because the heart muscles have weakened. In severe cases of DCM, surgery may be required to avoid heart failure, and the costs can range from $10,000 to $20,000.
- Labrador Retrievers are prone to pica, a condition where dogs tend to eat non-food items. This behavior can lead to severe intestinal blockage that may need urgent medical attention. The costs for diagnosis and treatment can range from $800 to $7,000, depending on the severity of the situation.
- Doodles can inherit a condition called exercise-induced collapse (EIC) from their Lab parents. EIC is a neuromuscular condition that causes a dog’s hind legs to give out after 5 to 10 minutes of intense activity. The expenses for diagnosing and treating EIC typically fall between $500 and $1,000.
- Labradors are highly prone to developing lymphoma, a type of cancer that also affects Poodles. Both parent breeds are also more susceptible to hemangiosarcoma and osteosarcoma. Costs to diagnose and treat cancer can exceed $10,000.
- Both parent breeds are prone to intervertebral disc disease (IVDD), which occurs when the discs between a dog’s vertebrae shift into the spinal canal. Various methods may be used to diagnose and treat IVDD, such as X-rays, CT scans, MRIs, medications, surgeries, regular vet check-ups, complementary therapies, and even hospital stays. Costs can range from $3,000 to $8,000.
Aren’t Designer Dogs Healthier Than Purebreds?
Recent research by the Royal Veterinary College in the U.K. has challenged the belief that crossbred designer dogs are healthier than their purebred counterparts. The study focused on Labradoodles, Cavapoos, and Cockapoos, comparing them with their purebred parents, which include Poodles, Labrador Retrievers, Cavalier King Charles Spaniels, and Cocker Spaniels. Researchers analyzed the odds of each breed (pedigree and hybrid) developing one or more of dogs’ 57 most prevalent health issues. The findings revealed no notable differences in health risks across all the breeds studied. For more details on this research, check out my article discussing the health of designer dogs. You can learn more about this study in our article on whether designer dogs are healthier.
Is Pet Insurance Worth It For Labradoodles?
Consider the statistics. According to the Orthopedic Foundation of America (OFA),* over 11% of Labrador Retrievers have tested positive for hip dysplasia, 10% for elbow dysplasia, 12% for EIC, and nearly 19% for at least one eye abnormality. For Standard Poodles, OFA-positive testing statistics yield nearly 12% for hip dysplasia, over 8% for IVDD, and approximately 18% for eye abnormalities.
*Note: The OFA doesn’t have data on most designer dog breed testing; it only publishes testing stats for purebreds.
Labradoodles can encounter various health issues that may be passed down from their parents. Unfortunately, this can result in high vet expenses if you don’t have pet insurance. The good news is that pet insurance allows your furry friend to receive excellent medical care without the worry of large bills. It’s essential to get insurance for your pup before any health crises or hereditary problems come up. Keep in mind that most pre-existing conditions are typically not covered by insurers.
Determine If Your Labradoodle Needs Insurance
If you’re still debating whether to get coverage for your Labradoodle, I urge you to read my in-depth guide on whether pet insurance is worth it. It will help you weigh the benefits and drawbacks.
5 Steps To Find The Best Pet Insurance For Labradoodles
Several key factors should be considered when choosing an insurance plan that aligns with your financial situation and meets your Labradoodle’s health needs.
- First, research each insurance company’s reputation and standing. Established companies with a solid history are often more reliable than newer ones.
- Next, consider the potential health issues that Labradoodles might face and take the time to understand each insurer’s coverage options and limitations for these conditions.
- Decide if you prefer a basic plan that covers only accidents or a more extensive one that includes illness coverage.
- It’s also important to know how long each provider takes to process claims and their reimbursement procedures.
- Finally, obtain quotes from at least three pet insurance companies to compare their prices effectively.
Methodology
To determine the best pet insurance for Labradoodles, 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 competitor’s 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.
