The Cavapoo is a designer breed between Cavalier King Charles Spaniels and Poodles. This outgoing, playful hybrid breed inherits some of the best traits from both parents! The Cavapoo goes by several names, including Cavadoodle.
We’ve taken their genetic disposition towards certain health conditions into account when looking at types of medical pet insurance. In our review, we will give you our top eight picks for best Cavapoo insurance.
With the rise in popularity of this family-friendly crossbreed, many people are turning to Cavapoos as pets. So in our guide on how pet insurance works and what kind would be best suited for your dog, we’ll give you eight different options that range from simple plans with low premiums all the way up there to high-cost luxury packages, so your Cavapoo has optimal pet insurance coverage. But first, let’s go over some important info before deciding which pet insurance is best for you and your Cavapoo.
As the popularity of crossbreeds increases because of better genetic testing, it is becoming easier to predict health problems that may arise. This means more companies are willing to offer coverage for these designer breeds, increasing competition and lowering prices.
This makes it easier than ever to find the best Cavapoo pet insurance for your needs so you can rest easy knowing your furbaby is getting the care they need if something happens.
In a rush? Here is a table of our top 3 picks!
|Packages||A&I, Preventative, Preventative+, Add ons: vet fees, physiotherapy||A&I (incl. alternative therapies) and add-on Routine Care Plan||A&I, Wellness package (Basic or Plus), Vet Exam Fees for A&I|
|Coverage amount||$5k-$100k||$5k, $8k, $10k, $15k, $30k||$5k, $10k, Unlimited|
|Deductible||$100, $250, $500 (outside of final expenses)||$200, $300, $500, $750, $1,000||$100, $250, $500, $750|
|Waiting Period||2 days (injury), 14 days (illness)||2 days (accidents), 14 days (illness), 6mo (orthopedic conditions)||1 day (accident), 14 days (illness), 6mo (orthopedic conditions)|
|Min/max ages||8 weeks – 12 years (breed dependant)||From 6 weeks-15y (>15yo can be insured for Accident-only)||From 8 weeks – no upper limit|
|Quote||Get a Quote||Get a Quote||Get a Quote|
The Potential Health Risks for a Cavapoo
Allergies: Food allergies are common in Cavapoos, as it is with many dog breeds. The most common food allergies found in Cavapoos are beef, chicken, corn, wheat, and soy which are all ingredients that are commonly found in commercial dog foods.
Cataracts and Progressive Retinal Atrophy (PRA) are conditions associated with blindness and are widely found in Cavapoos. Both conditions develop over time and without treatment until the animal is blind.
Bone and Joint Problems: Hip dysplasia, Elbow Dysplasia, Pano, Wobbler’s Syndrome, and luxating patella are bone and joint issues affecting a Cavapoo. These conditions become worse with age and, without treatment, cause immobility or pain in the animal. Hip dysplasia is a hip condition causing stiffness, lameness, or pain caused by improper placement of the hip joint during development. The severity of this condition can vary depending on whether the problem is congenital or not.
Heart Problems: Coronary artery disease (CAD) is relatively common in older dogs but can also appear in adult animals. This condition is related to obesity and can cause heart attacks.
Hypertrophic Cardiomyopathy: A cardiac condition that occurs when the heart muscle thickens and doesn’t allow enough blood to leave the heart’s chambers. This condition worsens over time, leading to congestive heart failure if not treated.
Tricuspid Valve Dysplasia: A heart condition with three instead of four flaps on the tricuspid valve makes it difficult for blood to leave the heart. This eventually leads to congestive heart failure if untreated.
Aortic Stenosis: A heart condition in which narrowing the aortic valve reduces blood flow from the heart, leading to congestive heart failure.
Gastric Dilatation-Volvulus Syndrome (GDV): The stomach twists on itself, which blocks the passage of food or gas. Without immediate medical attention, this condition can be fatal.
Syringomyelia: This condition is similar to Arnold-Chiari malformation in that it results in the animal having severe pain and spinal cord damage. The difference is that Syringomyelia has an unknown cause, while Arnold-Chiari is caused by breeding for a particular head shape.
Infectious Canine Hepatitis: A virus that causes liver inflammation leading to vomiting, diarrhea, jaundice, lethargy, and seizures.
As you can see, there are a lot of potential health risks for your Cavapoo puppy so getting pet insurance is an excellent idea. You can read more about the health issues common to Cavapoos here.
When deciding on a policy, you need to look at what medical conditions are typical for your pup’s parents and base your choice on that. For example, if one parent has hip dysplasia, you should get coverage for that condition. Now, let’s go in-depth and review the best Cavapoo insurance that is right for you.
Lemonade is the top pick for the best Cavapoo insurance on our list because the plan is extremely flexible and affordable. Lemonade offers a wide range of customizable annual limits, an extensive list of covered costs that suit any lifestyle. With its quick and easy claims process and affordability, we give it the highest score on our list versus the competition.
For example, lowest prices among all plans analyzed; an accident waiting period as short as two days, optional wellness plans available to help cover the costs of routine preventative care; this policy also covers illnesses. We like this company because it also offers bundle discounts. Lemonade is A-rated, fully regulated, and reinsured by the most trusted names on the planet. Here’s the takeaway:
- Comprehensive preventative packages
- Most affordable
- Puppy Preventative package covers spaying or neutering. microchipping, flea meds & vaccines
- Two days wait for accident plans
- Choice of any licensed veterinarian in your area.
Embrace Pet Insurance has a low deductible that starts at just $25, so you’ll be able to claim most major medical expenses paid upfront without worrying about reimbursing yourself later on down this road. They also offer comprehensive coverage for cats and dogs with reasonable annual limits ($5k per year).
All of Embrace’s accident and illness plans allow pet parents to personalize their plans to accommodate their budget and adjust their annual deductible, annual maximum, and reimbursement percentage. The best part of Embrace is the diminishing deductible which means that each year you don’t receive a claim payment, we decrease it by $50.
Embrace provides pet insurance that allows pet parents peace of mind knowing their furry friends will be protected 24/7 with affordable premiums! You can also get nutrition and exercise support via Paw Support.
With multiple discounts available, including military service members’ discounts and one-time payments or yearly plans – it’s never been easier than now before getting coverage for your Cavapoo.
- Mobile App: Yes (Embrace App)
- 24/7 Veterinary Paw Support
- Cancellation Period: Within 30 days after purchasing policy
- Routine Care Add-ons: Yes
Figo ranks in the top 10 for pet insurance, and we like this company because it features an app, which makes sharing photos and organizing play dates with other owners easy!
The North American Pet Insurance Association (NAPHIA) sponsors Figo to help you find all these cool things that your pup(s) can enjoy from daycare services near me or even dog walkers when they’re not at home themselves – plus more!
With Figo, you can find various ways to entrust your pets’ care. For example, it provides health benefits like uploading medical records and getting personalized advice on what they should eat or how much exercise is best for them – all without hidden fees! You also get a 30-day money-back guarantee.
Figo is one of the best pet insurance companies out there, offering $5,000 in annual benefits for The Essential plan and up to $10,000 with their preferred option!
Plus, you get unlimited coverage from that with the Ultimate Plan as well- it’s great because sometimes things happen whose cost isn’t covered by the basic plans, but this ensures your animals stay safe no matter what happens.
The highest-ranked company on average rank across all three ratings was Figo, which came seventh place overall due largely thanks to its generosity when compared against competitors’.
- Offers three Plans: -Essential, Preferred, & Unlimited with varying annual benefits
- Allows you to opt for your specific yearly benefits, deductibles, and reimbursement rates.
- Simple & straightforward plans
- Crafted with Pet Cloud app
- You can also text, tweet, email, or call.
- Specifically crafted for the urban pet parent.
- Extra care pack of up to $250 for cremation & burial
- Member of NAPHIA
- No per-incident caps
- Live Vet
Trupanion’s policies are designed to protect your pet from illness and injury. For example, they have no payout limits, so you can get the care that your furry friend needs without worrying about money worries!
Trupanion offers no bilateral exclusions and is the only pet insurance company with direct vet pay. This means that if your furry friend has an accident at home or needs care outside of their regular veterinarian’s office visit, you can rest easy knowing they’ll be taken good care of with unparalleled coverage!
In addition, each month/yearly payment option comes complete not just with excellent benefits but also reimbursement up 90% after submitting a claim–no matter what type it may be!
The waiting period before receiving coverage is five days for injuries or 30 days if it’s an illness – but these wait times may be waived with proper documentation like vet certificates.
Trupanion offers a range of pet insurance plans to help cover your furry friend’s medical expenses. Trupanion’s comprehensive coverage will take care of it all, from injuries and illnesses to hospitalizations or emergency visits!
- Lots of price options
- Direct payments
- Decades of experience
- 90% coverage
- No payout limits
- 98% of Trupanion members stay enrolled
- Broad coverage
- VET DIRECT PAY
Odie is a wellness-first, tech-enabled pet health insurance brand that empowers conscious parents through authentic inclusivity and straightforward customization. The company’s holistic care platform provides all dog owners access to essential services such as veterinary visits.
If you’re looking for affordable pet insurance that provides extras like take-home prescription meds and acupuncture, look no further than Odie. They are 15%-30% cheaper than their competitors while still offering standard accident or illness coverage with high reimbursement rates of up to 90%. The annual limit is $5k-$40K which makes them perfect if your pup can’t stay indoors at all times!
- Fast claims reimbursement
- Customizable plans
- App for ease of use
- No breed or age limits
- 24/7 access to the customer portal
Pets Best Insurance is a popular provider among pet parents, serving around 100K families. They offer fast waiting periods for accident claims with no maximums on benefits or deductibles so that you can get back to your everyday life as soon as possible!
Plus, they have some fantastic deals if the price range fits what’s essential – pick an option above which best suits how much money was spent this past year (70%, 80%, 90%).
Pets Best offers an excellent option for pet owners who want to limit their out-of-pocket expenses when caring for their pets. Pets best covers prescriptions and other forms of rehabilitative care with elective wellness plans, which can help with recovery from injuries or disabilities!
- Essential Wellness option includes $305 of annual coverage
- Sample monthly cost for Best Pets insurance for dogs is $18.18
- Mobile Application: Yes
- 24/7 Veterinary support available
- Features a cancellation Period
- Cancel any time
- Routine care add-ons
- No upper age limits for enrollment
Nationwide is the go-to place for pet insurance. Current members receive a 5% discount on new policies, so it’s never been easier to get protection and peace of mind that your best friend will be taken care of no matter what happens in their lives!
Nationwide plans offer a wide range of coverage for pets, including 21 exotic animals. In addition to common animal health concerns like arthritis or heartworm infections, the policy also protects against gastrointestinal issues and overgrown teeth!
We like Nationwide’s Whole Pet with Wellness plan covering 90% of your veterinary bills for eligible conditions and services. This includes coverage for injuries, illnesses, hereditary and congenital conditions, preventative care like yearly exams, flea and tick treatment, and vaccines.
With Nationwide, you can also visit any licensed veterinarian and get reimbursed for veterinary expenses.
- Mobile app for fast claims processing
- 24/7 Veterinary support
- Good customer support
- Cancellation period within 10 ten days
- Routine care add-ons
- Numerous plans available
- Pay vet directly
- Features several Wellness plans for routine care
Spot is the perfect solution for pet owners who want to keep their furry friends safe. Reimbursed between 70% – 90%, it’s got a 30-day money-back guarantee, and customers get access to 24/7 help from experts at no additional cost with VetConnect™ ́s hotline–powered by veterinary professionals! It also features a 10% multi-pet discount.
Numerous preventative care coverage options have customizable annual limits and deductible and reimbursement rates. The takeaway with Spot pet insurance is that they cover hereditary conditions, chronic issues, and illnesses, as well as accidents.
To top it all, you can also get alternative therapies covered like acupuncture, low-level laser therapy, hydrotherapy, and more. Accident and illness plans can also cover vet treatments for behavioral problems like anxiety and aggression. Finally, there’s a $25 Amazon Gift Card with enrollment.
Spot benefits include:
- Accident & Illness and Accident-Only plans
- Multiple preventive care packages for an additional cost
- 10% multi-pet discount on added pets
- Customizable plans
- Preventative coverage add-ons
- Covers behavioral problems
- Covers Holistic treatments
- Whisker Vet Help Line 24/7
What is Pet Insurance for a Cavapoo?
Pet insurance is a type of insurance that covers veterinary costs for your pet. This can be very important if you have a breed like the Cavapoo with higher than average health issues. You also may need expensive surgery to correct an injury or illness at some point in your life.
For these dogs, it can get costly, so many people are looking into pet insurance. So the best way to find the right company with the best Cavapoo insurance at the lowest price is to get quotes from different companies so you can compare them and choose which one works for you.
Getting quotes for your dog will be easy if you know their age, breed, gender, and medical history, as this information will help insurers determine the risk of insuring your pet and what premiums they will charge.
The most significant difference between pet insurance policies is their exclusions (if the plan does not cover specific health issues). The more exclusions there are, the lower the monthly premium you can expect to pay, as higher exclusions mean less potential payout in claims each year.
Comparing Cavapoo Insurances
Pet insurance companies will generally offer several levels of coverage (basic, mid, and top) with different exclusions for each level. Choosing the best Cavapoo pet insurance policy can be challenging if you don’t know what to look for, as in the potential health issues your pup may experience in their lifetime.
The best way to find a plan that offers the coverage you need is to request a quote; this will prompt the pet insurer to ask questions about your family pet so they can provide you with a comprehensive list of plans that you can choose from.
It’s also essential that you know how much it costs each month as many insurers charge extra for large or giant senior breeds, so you need to find the right Cavapoo insurance at the right price. By comparing the rates and coverage in our best Cavapoo pet insurance reviews, you can only do so.
What to look for when choosing Cavapoo insurance?
Cavapoo insurance can be taken out for one of 4 main reasons:
- Wellness coverage (annual checkups and preventative care, like vaccinations) will not include treatment or any complications from hereditary conditions such as hip dysplasia, allergies, cancer, etc. It also doesn’t provide coverage for injuries.
- Accident/Illnesses only (for accidents including illnesses that are not hereditary, like broken bones or cancer) this will not cover vaccinations or regular checkups. It also doesn’t provide coverage for inherited conditions such as hip dysplasia, allergies, etc., or injuries in general day-to-day life in your home.
- Wellness and Accident (covers illnesses and accidents, including hereditary conditions like hip dysplasia, allergies, cancer, etc.). This also doesn’t include coverage for injuries that occur in your home daily.
- Full coverage (this provides complete coverage of illness or injury; hereditary or not; for example, if your dog suddenly needs surgery for a knee injury, the insurance would cover it)
Each policy will differ slightly from one company to another, which is why you must take your time when choosing Cavapoo pet insurance. You will need to decide whether or not you want full coverage and what sort of illnesses and injuries you most want to be covered with your plan. It’s also a good idea to have accident coverage to protect your pup if he has an accident.
How much does Cavapoo pet insurance cost?
You should treat Cavapoo insurance just like any other type of insurance policy; you will have to pay a monthly premium. This monthly premium will depend on the age, breed, and sex of your dog, as well as how long you choose to insure them for.
The average monthly premiums for Cavapoo insurance are around $37. The size of your dog, as well as the amount you insure them for, will affect the cost of your policy.
If you choose to take out pet insurance, it’s always best to take out a plan that covers all eventualities from day one to avoid finding yourself in a situation where you can’t get the proper care for your pet.
What does Cavapoo insurance cover?
Cavapoo pet insurance policies are designed to cover your dog for the following conditions:
Emergency Treatment: Your policy will pay for veterinary care in the event of an accident or illness. Some policies will also cover expenses incurred during transportation so you can get help as soon as possible.
Wellness Coverage: Most pet insurance companies offer wellness coverage to their policyholders. This covers the cost of wellness visits and vaccines, and preventative medications like heartworm, flea, and tick prevention.
Pre-existing conditions: Pet insurance policies will not cover the cost of pre-existing conditions, so be sure to enroll your pet before they become sick.
Covapoo Life Expectancy: The average life expectancy of a Cavapoo is 13 years, so you need to be sure to enroll your pet before they are at least eight years old.
A pet insurance policy will cover 80% – 90% of the cost of care subject to the deductible and limits specified by your policy. However, it’s important to note that some breed-specific conditions will not be covered under your policy.
For example, hip dysplasia is a common condition in the Cavapoo breed, but most pet insurance companies do not offer coverage for it. As long as you choose a pet insurance plan that is right for you and your budget, this should save you money in the long run.
The Best Cavapoo Insurance Providers
When looking for the best Cavapoo pet insurance, you need to know how much coverage you will need and then find a company that can offer you at an affordable price. The three things that should be evaluated when finding the right provider are cost, coverage, and customer service.
1. Cost of Cavapoo pet insurance
When looking at the cost of Cavapoo pet insurance, you need to consider how much money you can spend each month on premiums. Some companies will have low monthly rates but limits on what they cover. You also need to think about how long you would be able to pay for premiums if you were unable to work.
2. Coverage for Cavapoo pet insurance
When evaluating coverage options for your Cavapoo pet insurance, you need to consider what problems may happen to your dog and how much it would cost to take care of them. For example, some insurers will only cover accidents, while others will also treat illnesses. You also need to know how much the insurer will pay on average so you can prepare for expenses on your own.
3. Customer service for Cavapoo pet insurance
When choosing a Cavapoo pet insurance company, you need to consider how easy contacting customer service with questions or concerns about your policy is. Many of these companies have agents available around the clock, with some even having chat services that you can access online. You also need to know what types of support are available if your dog is ever in an accident or becomes sick.
As you can see, finding the best Cavapoo pet insurance is all about doing your research and comparing different companies so you can find one that gives you the coverage you need at an affordable price. So the more you know about Cavapoo pet insurance companies, their policies, and what they cover, the easier it will be to find the right fit for you.
By being well informed before signing up for a policy, not only will you have peace of mind that your dog will receive the care they need, but you will also find the best rates available for Cavapoo pet insurance.
How do I find the best Cavapoo pet insurance?
Finding the best Cavapoo pet insurance starts with understanding what coverage you need. The three things to consider are accidents, illnesses, and wellness. For example, Cavapoo pet insurance for accidents will cover injuries your dog sustains when playing or exercising. If they were to be sick or injured while traveling, the accident coverage would also help pay for medical bills.
These policies can help with everything from hip dysplasia to cancer treatments or surgeries regarding illness coverage. This means that just like human health insurance, Cavapoo pet insurance companies will cover the cost of all your dog’s medical care for an illness.
As you can see, there are a lot of potential health risks for your Cavapoo puppy so getting pet insurance is an excellent idea. You can read more about the health issues common to Cavapoos here. Here’s the takeaway:
Should I get Puppy Pet Insurance for my Cavapoo?
This is a question many people are looking to get their first pup to ask, and it’s an important one. Getting your new dog or puppy insured can be both rewarding physically and financially. However, just like any other type of insurance on the market, pet health insurance comes with its own set of pros and cons that you’ll need to consider.
Before you decide to buy, you should have a good idea of the benefits of getting your pup insured so that you can make an informed decision about whether or not it’s worth getting insurance for your new furry friend.
Here are the benefits of getting your puppet insurance so that you can know whether or not it’s right for you.
Benefits of Getting Your Cavapoo Puppy Insured
Your dog getting sick is the number one reason many pet insurance buyers get insurance for their pups, but there are a lot of other benefits that you can get from being insured.
With most policies, if your puppy passes away due to an accident or illness, you’ll be covered for the cost of cremation or burial. This means that you won’t need to resort to the expensive measure of making arrangements with a vet before having your dog put down so that you can get reimbursed by insurance.
Another great benefit is that many companies offer coverage for hereditary and congenital conditions and injuries, which will cover treatment for illnesses and injuries that your dog can be susceptible to because of its breed, lineage, or genetic makeup.
If you adopted a shelter pup and they happen to have any medical issues that aren’t covered under the pound’s care, many insurance companies will cover treatment costs for those issues too!
Even if your new dog doesn’t have any pre-existing conditions before getting insured, many plans will still cover them if they develop them later down the line.
This is especially great for breeds notorious for having any number of serious genetic diseases, which means that Cavapoo pet parents can rest easy knowing that their pup’s insurance plan will be prepared to cover costs for illnesses common to their breed.
The worst part about having a pet is not being covered for the costs of vet care when they’ve been injured or become seriously sick. Pet insurance takes away this stress and puts your mind at ease, knowing that you have coverage no matter what happens.
Another reason why pet insurance is excellent is that, unlike human health care, veterinary care is costly, and you’ll owe thousands of money in vet bills if your pup gets sick or hurt. Pet insurance will put a dent in these costs by covering the expenses so that you don’t have to pay it all on your own.
What is not covered by pet insurance?
Your pet insurance policy may not cover many things. These include:
Pre-existing conditions: Your pet insurance company will not cover illnesses or injuries that were present before you first enrolled your pet.
Breed Specific Conditions: Some companies do not offer coverage for certain breeds with common genetic disorders, and some breed-specific procedures may not be covered.
Lifetime Maximum: Most pet insurance companies limit the amount they will pay out per year or during your lifetime, so you may need to consider additional coverage if your pet has ongoing medical conditions.
Maximum Benefit Cover has no time limit, so you can claim as many times your pet needs treatment. However, suppose they develop a long-term health condition or require ongoing care for an injury like getting surgery on their legs after being hit by a car. In that case, you can do this with maximum Benefits and not worry about running out of money.
What is a claim limit?
A claim limit is a total amount paid out for a specific condition in any given year. Pet insurance companies often offer coverage for multiple conditions like cancer or heart disease. Still, they may only pay up to a certain amount towards each diagnosis in any given year.
A pet insurance policy is a worthwhile investment for any responsible dog parent. It can help to alleviate the financial burden of unexpected illnesses and injuries while also providing an extra layer of protection for your Cavapoo during their lifetime.
What are per occurrence limits?
Per-occurrence limits are the maximum amount that your Cavapoo insurance will pay out every time your dog requires treatment for a specific condition like cancer or arthritis.
Is pet insurance worth it?
Yes, Cavapoo pet insurance is worth it if you can afford the monthly fee. However, a pet insurance policy can save you over $1,000 in your lifetime if you have never made a large claim or do not plan on making one any time soon.
What are the benefits of getting pet health insurance for my Cavapoo?
The most important benefit is that it will cover 80% – 90% of your pet’s veterinary bills after paying the annual deductible that varies by pet insurance company. That said, your Cavapoo will be able to get the medical care they need to if they become seriously ill or injured.
Do I need to use a specific vet clinic?
Most Cavapoo pet insurance companies allow you to choose the veterinary clinic you prefer. If you use a wellness plan that includes checkups, this will not matter. Still, suppose you use a coverage policy to treat emergencies or hereditary conditions; in that case, it is essential to seek care from clinics that accept your preferred pet insurance company.
What are things not covered by pet insurance?
The exclusions are the most important thing to keep in mind while purchasing pet insurance for your Cavapoo. Your policy will not cover pre-existing conditions, illnesses, or injuries that happen before coverage, as well as routine examinations and pregnancies themselves!
Grooming, vaccinations, and flea treatments may be some exclusions on your pet insurance plan. However, you may still get the care that includes these things at an additional cost if they are not covered by the policy or through another form of coverage.
You may be surprised to learn that many pet insurance policies do not cover dental treatment, so if you plan on getting this type of care for your Cavapoo, it’s essential to find out before purchasing a pet insurance policy.
Claudia Bensimoun is a writer who specializes in dog content and veterinary topics! Aside from writing for We Love Doodles, Claudia also writes for other major dog blogs like Fido Friendly, Animal Wellness Magazine, and the United States Dog Agility Association (USDAA). She has a ghostwritten over 50 different dog e-books. Her passions include animal welfare, veterinary research, and wildlife conservation.
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