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Poodles are among the most popular dog breeds and make excellent family dogs and guardians. Standard Poodles are the largest of the three Poodle types, at 18–24 inches tall and weighing 40–70 pounds. What might be excellent insurance coverage for smaller Poodles may not be the best option for the Standard Poodle. This is why I’ve dedicated this insurance guide to Standards. If you have a Toy Poodle, see my guide on the best pet insurance for Toy Poodles.
All Poodle types are prone to certain conditions, like Addison’s disease, dental disease, cataracts, bleeding disorders, and more. However, because Standards are larger, they can develop some different health issues than their smaller counterparts. These include hip dysplasia, CCL ruptures, and canine bloat, among other conditions. Meeting your dog’s medical needs can be expensive and emotionally taxing. However, pet insurance can ease your concerns by covering a significant portion of your Poodle’s medical expenses.
With a decade of experience in pet insurance and a solid grasp of breed-specific health issues, I’m here to guide you through the common health challenges faced by Standard Poodles and their potential costs. Additionally, I will assist you in finding the top insurance providers for your Poodle.
Best Pet Insurance For Standard Poodles
It’s essential to understand that purebred dogs, such as Poodles, have unique needs regarding pet insurance. After extensive research, I’ve pinpointed the top pet insurance choices for Standard Poodles. In choosing these providers, I considered factors such as coverage options, breed-related health issues, age, premium costs, and more.
| Best For | Company | Get Quotes | Read In-Depth Reviews |
|---|---|---|---|
| Value |  |  | Read Review |
| Most Extensive Coverage |  | | Read Review |
| Unlimited Payouts |  | | Read Review |
| Standard Poodle Puppies |  | | Read Review |
| Customizable Plans |  | | Read Review |
| Most Affordable |  | | Read Review |
| Vet Direct Pay |  | | Read Review |
Best Value: 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
Poodle owners can receive extensive coverage from Pets Best without breaking the bank. This provider offers three tiers of insurance plans that are easily customizable to fit your unique requirements and financial situation. Additionally, Pets Best is among the few providers providing an accident-only policy. This is an excellent option for those aiming to cut costs.
Compared to many other insurers, pets Best also has shorter waiting periods for hip dysplasia and intervertebral disc disease (IVDD), which often affect Standard Poodles. They even offer an optional wellness plan at a low monthly cost. Whether you need a basic insurance plan or maximum coverage, Pets Best policies provide excellent value.
Expert Price Analysis
When I compared premiums for Standard Poodles of various ages and locations, Pets Best consistently offered some of the most affordable quotes. Even when I added coverage for complementary care and veterinary exam costs, pricing remained competitive. Notably, their maximum coverage ($100 deductible, 90% reimbursement, and unlimited payout) is an outstanding value compared to other providers offering the same benefits.
| Pros | Cons |
|---|---|
| Unbeatable value for maximum benefits | Longer than average claim processing time of 18-30 days |
| One of few pet insurers’ to offer an accident-only plan | Plan upgrades are necessary for coverage of complementary care* and veterinary exam fees |
| Get 5% off by insuring multiple pets | Accident and illness plans have 6-month waiting periods for CCL coverage |
| Covers treatable pre-existing conditions after they have healed | CCL coverage excluded in accident-only plan |
| Brief 14-day waiting periods for coverage for hip dysplasia and IVDD | |
| 2 levels of optional wellness plans | |
| Doesn’t impose upper age limits |
In-Depth Review Of Pets Best
For more detailed information on this insurer’s comprehensive coverage, plan options, customizations, waiting periods, and more, I recommend reading my complete review of Pets Best.
Most Extensive Coverage: 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
Fetch provides fantastic insurance options for Poodle owners looking for extensive coverage without the need for add-ons. Their plans feature few exclusions and encompass many services, such as veterinary visits, dental disease, behavioral therapy, complementary treatments, curable pre-existing conditions, and C-sections. This level of coverage often necessitates plan upgrades or isn’t even offered by some insurers.
Fetch not only offers comprehensive coverage but also comes with extraordinary perks that can help you care for your pet. They provide up to $1,000 each year for virtual vet visits, pet boarding if you need to be hospitalized, and more. With Fetch, you can rest easy knowing they give you pre-approval for procedures and cost estimates before treatment starts.
Expert Price Analysis
While looking at quotes for Standard Poodles, I found that Fetch’s top-tier plan ($15,000 payout, 90% reimbursement, and a $100 deductible) was more budget-friendly than several other companies with comparable coverage. On the other hand, Fetch’s premiums for lower coverage options were generally around the average to above average.
| Pros | Cons |
|---|---|
| Extensive coverage with few exclusions | 15-day accident waiting period is longer than average |
| Curable pre-existing conditions are covered after a year has passed without any symptoms | All plans have 6-month waiting periods for CCL injury and hip dysplasia coverage |
| Unique benefits include $1,000 for online vet consultations, trip cancellation, and more | Doesn’t offer a multi-pet discount |
| Optional wellness plan | Excludes coverage for IVDD in some cases* |
| Approves procedures and treatment cost estimates in advance | |
| Doesn’t impose upper age limits |
In-Depth Review Of Fetch
I’ve put together a detailed review of Fetch that explores its wide-ranging coverage, special benefits, customization features, 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
If you’re concerned about surpassing the limits of your pet insurance coverage, Healthy Paws is an excellent choice. Why? Because they offer unlimited annual payouts in all their policies, and their premiums are often quite competitive. When you stack them up against other insurance companies that have similar deductibles, reimbursement rates, and no maximum cap, Healthy Paws frequently comes out as the more budget-friendly choice.
Owners of Standard Poodles can significantly benefit from unlimited payouts because this breed is prone to experience costly health problems due to mishaps and genetic conditions. By choosing Healthy Paws, you can rest easy knowing they have unlimited coverage while not spending a small fortune on pet insurance. This provider has outstanding customer support and processes claims quickly.
Expert Price Analysis
Comparing premium rates between Healthy Paws and other insurance companies can be challenging because Healthy Paws only offers unlimited payouts. However, the pricing for Standard Poodle coverage is frequently similar to, or slightly higher than, policies from other providers that offer a $5,000 payout, along with similar deductibles and reimbursement options.
| Pros | Cons |
|---|---|
| Indefinite caps with all policies | Limited deductible and reimbursement options for older dogs |
| Very competitive rates vs. other insurers’ policies with unlimited payouts and similar coverage | Some Standard Poodles are ineligible for insurance based on age and location |
| Includes coverage for complementary care | Coverage for vet exam costs and behavioral therapy is unavailable |
| Processes claims in only 2 days on average | For dogs who enroll at age 6 and older, hip dysplasia coverage is excluded |
| 15-day waiting periods for CCL ruptures and IVDD coverage vs. 6 months for many | Hip dysplasia coverage has a long 12-month waiting period |
| Lengthy history of satisfied customers | Dogs must be under age 14 to enroll |
In-Depth Review Of Healthy Paws
Be sure to check out my extensive review of Healthy Paws to discover more about its reputation, coverage and exclusions, customization features, reimbursement procedures, waiting periods, and more.
Best For Poodle Puppies: 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 provides outstanding coverage for Standard Poodle puppies as young as eight weeks, featuring very competitive pricing. Its comprehensive policies cover dental illness and complementary and behavioral therapies. With a fantastic one-day accident waiting period, Figo’s also a great choice if you’re worried about your puppy getting into trouble.
For healthy pups, your deductible decreases by $50 every year if you don’t have any claims. Figo also goes above and beyond by offering unlimited annual payout and 100% reimbursement options. Your little one can have fantastic coverage from nose to tail with Figo.
Expert Price Analysis
Figo provides some of the most affordable premium prices for Standard Poodle puppies in various locations for its lower coverage. However, its rates tend to be average when including exam fee coverage. For older Poodles and higher coverage, the quotes range from average to above average.
| Pros | Cons |
|---|---|
| Among the most affordable premiums for Standard Poodle puppies | Added cost required for vet exam fee coverage |
| Rare offering of 100% reimbursement | All plans have 6-month waiting periods for CCL injury, hip dysplasia, and IVDD coverage |
| Processes claims in only 3 days on average | |
| Curable pre-existing conditions are covered after a year has passed without any symptoms | |
| Optional wellness plan | |
| Diminishing deductible of $50 each year you’re claim-free | |
| Get 5% off by insuring multiple pets | |
| Doesn’t impose upper age limits |
In-Depth Review Of Figo
Discover more about what this insurer has to offer, including its customization choices, coverage specifics, reimbursement process, and my personal experience, in my detailed review of Figo.
Best For Customizable Plans: 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 provides an array of choices for reimbursement rates, deductibles, and annual payouts, including unlimited caps. With so many options, you can customize an insurance policy that meets your budget and your cherished Poodle’s health needs. You can add coverage for vet exam fees and prescription medications for more extensive coverage. Furthermore, at no extra cost, complementary care, behavior therapy, and up to $1,000 in annual dental coverage are included in Embrace’s accident and illness policies.
Expert Price Analysis
When comparing quotes for Standard Poodle pet insurance, Embrace’s premium pricing was generally above average with the same deductible, reimbursement, and payout. However, there were a few instances where the pricing was competitive, especially for an eight-year-old residing in Jersey City, NJ.
| Pros | Cons |
|---|---|
| Wide variety of customizations for deductible, reimbursement, and annual payout | Added costs required for vet exam fee and prescription medication coverage |
| Coverage for complementary care, dental illness, and behavioral therapy in every policy | Some Standard Poodles are ineligible for insurance based on age and location |
| Get 10% off by insuring multiple pets | All plans have 6-month waiting periods for CCL injury, hip dysplasia, and IVDD coverage |
| Diminishing deductible of $50 each year you’re claim-free | |
| Curable pre-existing conditions are covered after a year has passed without any symptoms | |
| Optional wellness plans |
In-Depth Review Of Embrace
To discover more about this insurer’s coverage and benefits, along with its various customization options and add-ons, please check out my detailed review of Embrace.
Most Affordable: 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, LA, ME, SD, VT, WV, WY
Why I Picked Lemonade
Lemonade has gained a reputation for its wallet-friendly prices, making it an excellent option for Standard Poodle owners who want to keep costs in check. Their basic plan stands out as one of the most economical choices available. For those seeking additional protection, Lemonade provides reasonably priced add-ons. You can enhance your coverage to include vet exam fees, dental illness, complementary treatments, behavioral therapy, and end-of-life care.
Despite being a newer player in the pet insurance market, Lemonade has quickly gained positive recognition since its debut in 2020. Customers have praised their swift claims processing, which can be completed in just a few minutes for uncomplicated claims.
Expert Price Analysis
After comparing insurance quotes for Standard Poodles with a $500 deductible, 90% reimbursement, and $5,000 payout, I found that Lemonade consistently stood out as one of the most affordable options. Their policies offer highly competitive rates for lower coverage and average rates for higher coverage.
| Pros | Cons |
|---|---|
| Very affordable pricing for lower to mid coverage for Standard Poodles | Unavailable in 12 states |
| Get 5% off by insuring multiple pets | Added costs required for vet visit fees, dental illness, complementary care, etc. |
| Processes claims in only 2 days on average | All plans have a 6-month waiting period for CCL injuries |
| Curable pre-existing conditions are covered after a year has passed without any symptoms | |
| Optional wellness plans | |
| 30-day waiting periods for hip dysplasia and IVDD coverage vs. 6 months for many |
In-Depth Review Of Lemonade
To learn more about this provider’s coverage, many add-ons, customization options, AI-driven reimbursement, and other details, check out my thorough review of Lemonade.
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 distinguishes itself from other pet insurance companies with its ability to pay its portion of the vet bill while you check out at the vet’s office. No other insurer has this capability. Its Vet Direct Pay software is installed directly on veterinarians’ computers to eliminate the reimbursement process entirely. This can be significantly beneficial for breeds like Standard Poodles, prone to expensive conditions like hip dysplasia, CCL ruptures, and heart disease.
Expert Price Analysis
In my analysis of quotes for Standard Poodle insurance premiums, I observed that Trupanion’s rates were significantly elevated, often reaching two to three times the cost of other providers offering equivalent coverage for the same dog.
| Pros | Cons |
|---|---|
| Indefinite caps with all policies | Poodle premium pricing is significantly higher than other insurers |
| Offers direct payment to participating veterinarians | Coverage for vet exam costs is unavailable |
| 30-day waiting periods for hip dysplasia, CCL ruptures, and IVDD coverage vs. 6 months for many | 30-day waiting period for illnesses is much longer than average |
| Curable pre-existing conditions are covered after a year has passed without any symptoms | Dogs must be under age 14 to enroll |
| In some states, you have 100% reimbursement and $0 deductible options | |
| Processes claims in only 2 days on average |
In-Depth Review Of Trupanion
To gain a better understanding of this provider’s inclusions and exclusions, customization choices, vet direct pay, and more, please read my detailed review of Trupanion.
What Type Of Pet Insurance Plan Is Best For Poodles?
Pet insurance plans typically are available in two main types: accident-only and those covering accidents and illnesses. Additionally, some providers offer optional wellness plans that you can add to your insurance policy. It’s worth mentioning that these wellness plans aren’t classified as insurance products, but I’m including them here to give you a better understanding of the options available for your Poodle during the enrollment process.
| Accident-Only | Accident & Illness | Wellness | |
|---|---|---|---|
| Injuries (intestinal blockage due to foreign object ingestion, canine bloat, broken bones, wounds, etc.) |  | | |
| Diseases (hip dysplasia, Addison’s disease, hypothyroidism, eye disorders, ear infections, IVDD, etc.) | | ||
| Preventative (annual wellness exams, inoculations, professional dental cleaning, parasite prevention, etc.) | |
What Are Accident-Only Pet Insurance Plans?
Accident-only plans are tailored to help with the expenses of emergency veterinary care when your pet faces unforeseen injuries or accidents. These plans provide financial support for incidents like gastric torsion, intestinal blockages, poisoning, wounds, broken bones, eye injuries, and other emergencies not related to illnesses.
If you’re dealing with a limited budget or your pet has existing health issues that wouldn’t be covered in a more extensive insurance plan, consider an accident-only policy. However, keep in mind that these plans don’t cover hereditary conditions or illnesses, and only a handful of providers offer this type of coverage.
Pricing Tip – Accident-only pet insurance policies typically have lower premiums than accident and illness plans.
What Are Accident & Illness Pet Insurance Plans?
Pet insurance plans for illnesses and accidents offer comprehensive protection for a wide variety of medical issues your furry friend may encounter. This coverage encompasses physical injuries, illnesses, and genetic conditions that Standard Poodles are susceptible to, including hip dysplasia, eye problems, chronic skin issues, Addison’s disease, IVDD, and others. With this insurance, you can rest easy knowing your furry friend is well set up financially for the best vet care possible.
What Are Wellness Plans?
Wellness plans cover some necessary preventative care expenses to keep your dog healthy and identify any early signs of disease. These expenses include annual wellness exams, vaccinations, routine bloodwork, professional dental cleanings, parasite prevention, and other regular preventive care. By adding a wellness plan to your pet insurance policy, you are making an intelligent investment in your pet’s health and ensuring they stay as healthy as possible.
Wellness plans and pet insurance plans are two different products. Wellness plans only pay for preventive care; they do not cover illnesses, injuries, or hereditary diseases.
What Does Pet Insurance Cover & Exclude?
The extent of coverage offered in any pet insurance policy depends on the provider and the specific policy you choose. Typically, accident and illness policies cover the items listed below when deemed necessary by a veterinarian. However, it’s crucial to carefully review the details of any policy you are considering, as there may be restrictions on coverage.
| 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 intricacies of coverage and exclusions can be challenging, so I recommend reading my thorough guide on pet insurance coverage to help clarify details.
What Determines The Cost Of Pet Insurance For Poodles?
The cost of pet insurance can vary based on factors such as your location, your pet’s age, the insurance company’s underwriting requirements, and more. Below, I have provided a summary of some of these factors.
- The cost of pet insurance is significantly influenced by your dog’s age. Older dogs tend to have more health problems, making it more expensive to insure them compared to younger dogs.
- The cost of living where you reside plays a role in determining the premiums for pet insurance. Both you and your veterinarian are affected by the cost of living, so if you live in an expensive area, you can expect higher costs for both pet insurance and veterinary care.
- The breed of your dog is a major factor in insurance costs. Some breeds are more likely to have inherited health concerns. Furthermore, purebreds typically have more health problems than mixed breeds.
- The gender of your dog may also impact the cost of premiums. Male dogs, due to their larger size, can be more expensive to insure than females. However, it’s important to note that not all insurance companies increase premiums based on the dog’s gender.
While you may have little control over every aspect that influences the cost of your policy, many insurance providers offer customization options to tailor your coverage to your specific needs and your pet’s requirements.
Customization Options Affect Cost & Benefits
Many pet insurance companies provide various ways to tailor your plan, such as choosing your deductible, reimbursement rate, and maximum payout. These options enable you to design a plan that fits your unique requirements. However, it’s important to understand how these adjustments influence your coverage and benefits.
What Is The Maximum Payout?
There are two main payout types in pet insurance: annual and lifetime. An annual payout represents the highest sum the insurance company will reimburse within a single year of your policy, and it’s the most frequently provided by insurers. In contrast, a lifetime payout indicates the total amount the insurance will cover throughout your pet’s entire life while they are insured. Regarding yearly payouts, pet insurance companies commonly offer the options of $5,000, $10,000, or unlimited coverage.
Pricing Tip – Opting for a lower payout can reduce your monthly premium. However, if your dog needs expensive medical treatment during the year, you could surpass your annual payout limit.
Is The Deductible Annual Or Per-Incident?
Before the insurance company reimburses your vet expenses, you must pay a set amount out of pocket, called the deductible. Deductibles range from $0 to $1,000; the most common options are $100, $250, and $500. In pet insurance, you will encounter two main types of deductibles: annual and per-incident. It’s essential to understand the differences between them.
- Annual deductible: An annual deductible refers to a fixed amount that you’re required to pay each year for your dog’s treatment. This amount stays constant, no matter how many health problems your dog may encounter or what treatments are needed. It helps in effectively managing your pet’s medical expenses. Nearly all providers include annual deductibles in their plans.
- Per-incident deductible: A per-incident (also called per-condition) deductible is the amount you must pay whenever your pet requires vet care for a new health problem. If your dog faces several new issues within a year, this can add up quickly. The advantage of this type of deductible is that you only have to pay it once for each specific health condition throughout your pet’s life. This can be particularly beneficial for ongoing conditions like Addison’s disease, epilepsy, and hypothyroidism. Trupanion has per-incident deductibles in all of its plans.
Pricing Tip – Going with a higher deductible decreases your monthly premium; however, that means you’ll have to pay more out of pocket if your pup needs treatment.
What’s The Reimbursement Percentage?
The reimbursement percentage indicates the portion of your veterinary expenses that the insurance provider will cover after you have met your deductible. Common reimbursement options are 70%, 80%, and 90%. For example, if you select a 70% reimbursement rate, you will be responsible for paying your chosen deductible first and then 30% of the total vet bill.
Pricing Tip – If you choose a higher reimbursement rate, your monthly premium increases. However, this results in lower out-of-pocket costs at the time of treatment.
Learn More About Pet Insurance Costs
If you’re looking for more information, check out my in-depth guide on pet insurance costs. It features specific examples that show how various customization options can affect your benefits and total premium amount.
How Much Is Pet Insurance For Poodles?
For a precise pet insurance quote tailored to your Standard Poodle, kindly share your zip code and your dog’s information below. We will then present you with customized insurance quotes from several highly-rated providers specifically for your Poodle. Although looking at sample quotes for Standard Poodles of various ages and locations across the U.S. can be useful, remember that the insurance cost for your dog may differ based on their unique characteristics.
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 ran several quotes to provide you with a general idea of the costs for Standard Poodle pet insurance, taking into account different ages and locations. These quotes reflect similar choices for deductibles, reimbursement rates, and payout amounts.
| 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) |
|---|---|---|---|---|---|
| $43.25 | $28.00 | $30.59 | $52.63 | $147.00 |
| $47.11 | $47.75 | $58.29 | $105.75 | $160.63* |
| $48.15*§ | $37.94*§ | $46.22§ | $66.90*§ | $82.69†§ |
| $48.90 | $43.51 | $34.76 | $57.72 | $146.82 |
| $54.10 | $64.08 | $47.01 | $86.79 | $130.78 |
| $31.92 | $29.85 | $23.02 | $38.91 | $75.80 |
| $94.48§ | $111.78§ | $253.76‡§ | $164.12§ | $310.81§ |
*80% reimbursement; †50% reimbursement and $1,000 deductible (no other options); ‡$0 deductible; §Unlimited annual payouts
Poodle Insurance Cost: Lowest & Highest Amounts
I also gathered the same providers’ minimum and maximum monthly costs for Standard Poodle pet insurance. 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) |
|---|---|---|---|---|---|---|---|---|---|---|
| $19-$120 | $26-$162 | $13-$80 | $17-$107 | $16-$101 | $20-$125 | $19-$108 | $24-$134 | $26-$150 | $32-$186 |
| $31-$79 | $58-$150 | $33-$73 | $59-$133 | $38-$86 | $68-$158 | $41-$90 | $72-$164 | $39-$76 | $69-$137 |
| $29-$73 | $42-$83 | $29-$60 | Uninsurable | $28-$67 | $45-$118 | $35-$88 | $50-$80 | $34-$69 | $49-$78 |
| $22-$127 | $28-$165 | $18-$136 | $23-$177 | $14-$108 | $21-$157 | $16-$120 | $23-$173 | $27-$175 | $35–$228 |
| $20-$210 | Uninsurable | $22-$196 | $23-$200 | $18-$121 | $24-$158 | $27-$176 | $35-$231 | $28-$183 | $36-$240 |
| $17-$126 | $23-$163 | $20-$112 | $23-$127 | $15-$102 | $20-$138 | $34-$144 | $27-$123 | $24-$125 | $28-$143 |
| $56-$236 | $115-$508 | $60-$253 | $103-$452 | $105-$194 | $224-$416 | $50-$208 | $98-$430 | $60-$255 | $122-$540 |
What Are Waiting Periods For Poodle Pet Insurance?
The interval from when you sign up for a pet insurance policy to when the coverage actually starts is referred to as the waiting period. In most states,* insurance providers set their own waiting periods, usually falling between 0 to 15 days for accidents and about 14 days for illnesses. It’s important to note that some companies impose longer waiting periods for certain orthopedic issues that can impact Standard Poodles, including hip dysplasia, CCL ruptures, and IVDD.
*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 thorough guide explains more about waiting periods in pet insurance and why they exist.
How Does Pet Insurance For Poodles Work?
Using pet insurance is straightforward once the waiting periods specified in your policy are over.
- After your dog’s treatment, pay your vet bill.
- To start the claims process, complete a claim form and send it to your insurance provider with an itemized receipt. Depending on the insurer, you may need to get your vet’s signature on your claim form.
- Once your claim is approved by the insurance company, you will receive reimbursement* through your preferred payment method (like direct deposit or check).
*Payback times can vary significantly, ranging from just a few minutes to several weeks. The time period depends on the complexity of your claim and the standard processing timeframe set by the company.
15 Common Health Issues In Standard Poodles
Standard Poodles usually have a 12- to 15-year lifespan and tend to be healthier than many other purebred dogs. However, like all purebreds, they can be prone to certain genetic health issues. It’s important to understand the common health concerns and the potential expenses that come with caring for this breed.
- Hip dysplasia occurs when the femur’s head doesn’t properly fit into the hip socket. This chronic condition can cause pain and progressively worsening mobility problems. Surgery is frequently necessary to enhance the quality of life. Depending on the specific procedure needed, the cost varies from $1,700 to over $4,500.
- Poodles’ high energy levels and genetic makeup make them susceptible to cranial cruciate ligament (CCL) injuries, comparable to human ACL injuries. Orthopedic surgery is the best course of treatment. Costs range from $1,600 to over $6,000, depending on the severity of the injury.
- Breeds with deep chests, such as the Standard Poodle, face the risk of a severe condition called gastric dilatation-volvulus (GDV), also called gastric torsion or canine bloat. This condition can develop when a dog overeats or eats too quickly, causing the stomach to expand and twist. It’s essential to seek emergency care immediately; treatment can cost up to $3,000.
- Genetic eye disorders that can affect this breed include optic nerve hypoplasia, corneal dystrophy, cataracts, glaucoma, entropion, and progressive retinal atrophy (PRA). The cost of diagnosing these conditions can be high, and the cost of treating them is even higher. For instance, treating glaucoma can cost up to $2,000. The cost of cataract surgery ranges from $2,600 to $3,800. Regretfully, PRA has no known treatment.
- Poodles often suffer from sebaceous adenitis, a chronic skin disorder that results in skin infections, hair loss, and flaking and requires continuous care. Generally, topical lotions, medicated bath solutions, and oral medications total around $50 monthly expenses.
- Poodles are susceptible to ear infections due to their floppy ears and dense fur, which trap moisture and create a breeding ground for bacteria and yeast. The costs for initial and follow-up veterinary visits, diagnostic tests, and medications can range from $250 to $500 for each infection.
- Poodles have a higher risk of developing Addison’s disease, which arises from the adrenal glands producing inefficient corticosteroids. Diagnostics can cost between $500 and $1,500. The monthly medication needed for life can range from $50 to $200. You’ll also need to budget for regular blood and urine tests to monitor the condition.
- Overproduction of cortisol causes Cushing’s disease. Medication and dietary adjustments are common forms of management. The average cost of a diagnosis is $500 to $1,500, and the cost of medication can range from $50 to $200 per month; medication is required for life.
- Epilepsy results in abnormal electrical signals in a dog’s brain, which can trigger seizures. The yearly cost for medications and routine vet visits is around $500 for straightforward cases. However, dogs might require more frequent appointments and more expensive medications for more complicated situations, with annual costs ranging from $1,000 to $5,000.
- Hypothyroidism occurs when the body doesn’t produce enough thyroid hormones. Managing this condition typically involves taking medication for life and undergoing regular check-ups. The monthly cost of medication usually ranges from $20 to $50. Additionally, patients need a yearly test to confirm that the medication remains effective, which can cost between $50 and $100.
- Dental disease is prevalent among Poodles. Establishing a consistent home dental care routine and getting yearly professional dental cleanings, which usually cost $300 to $700, are essential preventative measures. A wellness plan can help manage these costs.
- Dilated cardiomyopathy (DCM) is the most prevalent heart condition seen in Standard Poodles. DCM arises when the heart has difficulty pumping blood efficiently due to weakened heart muscles. In more serious cases, surgical intervention might be necessary to prevent heart failure, with expenses typically falling between $10,000 and $20,000.
- Poodles are susceptible to von Willebrand disease, a genetic blood disorder that causes excessive bleeding due to insufficient production of von Willebrand factor (vWF). Blood transfusions, surgery, and injecting a synthetic hormone to temporarily raise vWF levels are the available treatment options. Costs can exceed $1,500.
- Dark-colored Standard Poodles are at risk for squamous cell carcinoma of the digit (SCCD), a type of aggressive cancer that causes bone disease in the toes. Typically, surgery is required, followed by chemotherapy and radiation, with costs ranging from $2,000 to $10,000 or more.
- When a dog’s intervertebral discs shift into the spinal canal, it results in Intervertebral disc disease (IVDD). X-rays, CT, MRI, medication, surgery, frequent veterinary visits, complementary therapy, hospital stays, and more may be necessary to diagnose and treat IVDD. Vet bills could run from $3,000 to $8,000.
Is Pet Insurance Worth It For Poodles?
Think about the numbers. The Orthopedic Foundation of America (OFA) 2023 testing statistics show that nearly 12% of Standard Poodles tested positive for hip dysplasia, 8% for IVDD, and close to 18% for at least one eye abnormality.
Standard Poodles can face various health concerns that could lead to significant veterinary costs if you lack pet insurance. However, having pet insurance ensures your beloved companion gets top-notch medical attention without the stress of hefty bills. It’s important to secure insurance for your dog before any health emergencies or genetic issues arise. Remember, most insurers usually do not cover pre-existing conditions.
Determine If Your Poodle Needs Insurance
Please read my comprehensive guide on whether pet insurance is worth it if you’re still undecided about covering your Poodle. It can help you weigh the pros and cons.
5 Steps To Find The Best Pet Insurance For Poodles
Consider these vital factors when choosing an insurance plan for your Poodle.
- First and foremost, research each provider’s reputation and financial strength. Established companies with a solid history are generally more reliable than ones with less than 5 years of experience.
- Next, take the time to understand each insurer’s coverage options and limitations for all the potential health issues that Standard Poodles might face.
- You should also decide whether you prefer a plan that only covers accidents or one that includes coverage for illnesses and genetic conditions.
- Find out how long each provider takes to process claims and their reimbursement procedures.
- Finally, I recommended getting quotes from at least three pet insurance companies to effectively compare their prices. This will help you find the most cost-effective option that still provides the necessary coverage for your Poodle.
Methodology
To determine the best pet insurance for Poodles, 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.
