Labradoodles are proof that good things exist in the world.
For all of the joy that they bring, however, you’ll need to be careful when it comes to their health.
Not only do they have fun, frisky personalities that can cause a lot of mischief, but they’re susceptible to certain health conditions that can make Labradoodle pet insurance an absolute must.
How Much is Pet Insurance For a Labradoodle?
The average cost of Labradoodle pet insurance is between $25 – $45 a month.
However, the price of pet insurance can be quite different from one dog to the next. Even if you own the same breed as someone else, your dogs will have different ages, diets, environments, fitness levels and predispositions to genetic health conditions. They’ll probably eat weird things from the yard at different rates, too.
Don’t be surprised if your pet insurance bill is more or less than the average. There can be a lot of different factors that go into your rates.
Labradoodle Pet Insurance – Provider Comparison
Once you’ve decided that pet insurance is worth the cost, it’s time to find a provider. Here are some of the basic things to know:
- It works through reimbursement. You file a claim with the insurance provider after you’ve paid the vet, and they’ll reimburse you for whatever amount is in your policy. It can range from 60 – 100 percent.
- You can remain with your current vet. Unlike human insurance that requires you to visit doctors in a specific network, pet insurance can be used with any licensed veterinarian.
- It won’t cover preexisting conditions. No pet insurance provider will pay for preexisting conditions. However, some will pay for chronic or genetic conditions that develop after your dog has been enrolled in a plan. This is why it’s worth getting pet insurance sooner rather than later!
The next question is which provider will you choose? You’ll have plenty of options, but let’s take a look at three well-known brands.
Overall Rating: 4/5
If you’re looking for comprehensive coverage, Embrace could be the insurer for you. They provide “nose to tail” protection for just about everything outside of preexisting conditions, including injuries, surgeries, illnesses, dental problems, and behavioral problems.
They’ll even cover genetic conditions that crop up later in life. If you’re worried about your Labradoodle developing hip dysplasia or progressive retinal atrophy, this insurance policy can give you a bit of relief. They’ll pay for medication; they’ll pay for surgery. They’ll even pay for things like prosthetic limbs and mobility aids.
Another nice thing about Embrace is that they won’t nickel-and-dime you over everyday vet costs. While some insurers will send you a bill for exam fees or X-rays, Embrace will cover it all.
The one downside of Embrace is that their monthly premiums can be higher than other brands. When you look at their potential for long-term savings, however, they might be worth it.
Pets Best (Our Top Pick)
Overall Rating: 4.5/5
Pets Best is another insurance brand that offers a wide range of coverage. From poolside accidents to unexpected cancers, they’ll make sure that your Labradoodle can always receive the treatment that he or she needs.
You can craft your own policy, too. They have flexible financing options that will let you choose your own balance between premiums, deductibles and reimbursement amounts. If you’d like to pay less every month, choose a 70 percent reimbursement package. If you don’t mind paying more for comprehensive coverage, go with a 90 percent reimbursement package.
They do have certain exclusions in their policies. In addition to preexisting conditions, they won’t cover holistic or “alternative” therapies, and they won’t cover everyday vet costs unless you sign up for an additional wellness plan.
However, the pros of Pets Best definitely outweigh the cons. Are you traveling outside of the United States? Pets Best still has you covered in case of an international emergency. Are you trying to insure a senior dog rather than a young puppy? Pets Best offers coverage for dogs all of ages. Check out their website and see everything that they can do for you!
Overall Rating: 4/5
If you’re bringing a Labradoodle into a mixed-breed household, Petplan can be a nice insurance provider for every canine under your roof. They don’t have any restrictions based on age or breed. They even offer similar policies for cats!
Petplan is a very modern provider as well. Everything can be done online, including submitting an application, making a claim, and contacting a customer service representative. Its live chat is particularly helpful if you need quick answers to questions like “Will you cover the cost of removing this toy truck that my Labradoodle just tried to poop out?”
The one flaw of Petplan is that they have a lot of exclusions. Its policies can be affordable, but the coverage can be quite minimal. They won’t reimburse you for things like preventative care, wellness check-ups, cosmetic procedures and more.
What’s the Best Labradoodle Pet Insurance in the United States?
Since every dog is different, it’s hard to put a “best” or “most valuable” label on dog insurance. The coverage that works for you might be completely different from others in your family or community.
If you want a recommendation, however, start with a brand like Pets Best. They offer comprehensive coverage at rates that you can customize to fit into your budget. They even have extra perks for things like international travel.
Are you ready to purchase an insurance policy for your Labradoodle? Let them fearlessly explore all of the nooks, crannies, and leaf piles of the backyard with the peace of mind that comes with good insurance.
Disclaimer: The information on this page about pet insurance providers may be changed at any time by the insurance company – that is beyond our control. We have published this article to provide reference and guidance as you explore your options, but please review your policy in detail prior to signing up for a new pet insurance contract.