The Labradoodle has achieved the status of being one of the most popular designer breeds in America. This breed’s striking good looks, intelligence, and friendly personality make it an excellent choice for families looking to add a furbaby into their home. If you’re considering a Labradoodle puppy, then pet insurance is a good investment.
According to a 2020 research paper published in Plos Genetics, “ many breeds suffer from an excess of particular diseases, one of many factors leading to the recent trend of “designer breed” development, i.e. crossing purebred dogs from existing breeds in the hope that offspring will be enriched for desired traits and characteristics of the parental breeds.”
The study analyzed the population structure of the Australian Labradoodle (ALBD) to understand how such breeds are developed.
The study adds that today, the name Labradoodle describes two populations. The first are F1 hybrids (LBD), simply the first-generation product of any LAB and SPOO cross.
\’The Australian Labradoodle breed (ALBD), which originated in 1989, is distinct from such hybrids. While also starting as a LAB and SPOO cross, it has since been propagated by planned crosses to establish a true-breeding population, meeting an established set of standards.
With an original goal of producing a low-shedding service dog, offspring of the planned crosses are known today as Australian Labradoodles, and fanciers seek to have it recognized by an international registry as a unique breed.” However, Labradoodles come with several different types of health issues that insurance can cover.
Labradoodle Health Issues
Labradoodles may be prone to the most common health issues in the Labrador Retriever and Poodle. This tends to happen more often when not purchasing from a reputable Labradoodle breeder.
We often think that hybrids will be the best of both breeds, but that’s not usually the case.
Embrace Pet Insurance says “The way genes combine and express themselves is not always subject to a breeder’s control, even less so when two different breeds are crossed.” They add that you should consider possible health issues before you adopt or purchase a Labradoodle. Labradoodles may be prone to the following:
- Hip dysplasia
- Progressive retinal atrophy
- von Willebrand’s disease
Before purchasing from a breeder, you should ask for certifications from the Orthopedic Foundation for Animals (OFA), a DNA test for progressive retinal atrophy, and the Canine Eye Registry Foundation certification that the eyes are healthy.
Embrace also recommends getting a DNA test for von Willebrand’s disease. Also, if you’re purchasing a small or medium-sized Labradoodle, you should test for and get OFA patella (knee) clearances.
Labradoodle insurance is more affordable than you might think. It may even cost less than your monthly car insurance payment – especially if you drive a luxury car! Of course, there are so many different options available to consumers that figuring out the right plan for their labradoodle is not always easy.
In a rush? Here are our top picks for Labradoodles!
| Lemonade (Best Overall) | Embrace | Pumpkin | |
| Packages | A&I, Preventative, Preventative+, Add ons: vet fees, physiotherapy | A&I (incl. alternative therapies) and add-on Routine Care Plan | A&I Puppies |
| Coverage % | 70% to 90% | 70% to 90% | 70% to 90% |
| Coverage amount | $5k-$100k | $5k, $8k, $10k, $15k, $30k | $10,000 or $20,000 |
| Deductible | $100, $250, $500 | $200, $300, $500, $750, $1,000 | $100, $250, $500 |
| Waiting Period | 2 days (injury), 14 days (illness) | 2 days (accidents), 14 days (illness) | 14 days |
| Min/max ages | 8 weeks – 12 years (breed dependant) | From 6 weeks – 15 years | From 8 weeks – no upper age limits |
| Price | Affordable | Medium Price | Medium |
| States | 36 states | Nationwide | Nationwide |
| Quote | Get a Quote | Get a Quote | Get a Quote |
- Pros
- Good reviews on Trust Pilot
- Features best discounts compared to other pet insurance
- Customizable plans
- Easy to understand plans
- Special package for pups & kittens
- All life stages included
- Cons
- Not available in every state
- No dental coverage is offered under routine coverage
- Pre-existing conditions not covered
Lemonade Insurance Co., a fast-growing player in the new pet insurance market, offers dog owners comprehensive and reasonable policies, whether looking for the best auto insurance, the cheapest life insurance, or affordable home insurance.
Lemonade is a new insurance company powered by artificial intelligence and behavioral economics and driven by social good. Founded in 2015, Lemonade is a licensed insurance carrier offering renters, homeowners, pet health insurance, term life insurance in the U.S, and content and liability insurance in Germany, France, and the Netherlands.
Lemonade features one of the lowest monthly premiums and offers a 24/7 vet helpline. In addition, Lemonade provides one of the most customizable and comprehensive pet insurance products on the market, helping pet parents be prepared for any unexpected vet bills while saving on routine care.
Starting at $10 a month, a Lemonade base policy includes accident and illness coverage and covers the cost of diagnostics, procedures, and medications related to an accident or illness.
We like Lemonade because they have expanded tier preventive benefits for all life stages, including a special package just for puppies & kittens and a special extended package for adult pets. They also offer a 10% bundle discount and a 5% multi-pet discount.
Features
- Lowest premiums around starting at $10.00 monthly
- Expanded illness benefits to include vet visit fees and physical therapy
- Available in 36 states
- Lemonade will pay up to 70%, 80%, or 90% of all covered expenses.
- Easy sign-up
- Optional add-ons like vet visit fees and physical therapy.
- Preventive packages that cover routine Wellness like your pet’s annual exam, blood tests, vaccinations
Extended Accident and Illness Package:
With this add-on, Lemonade will cover your veterinary visit fees and reimburse you for treatments for the following:
- Physical therapy
- Hydrotherapy
- Acupuncture
Wellness & Preventative Package
Lemonade offers a preventive and wellness add-on to help maintain your pet’s health. This coverage includes:
- Blood tests
- Annual parasite and heartworm testing
- Flea, tick, and heartworm medications
- Annual wellness exams
- Vaccines
- Regular dental cleanings
- Pros
- Save 10 % with two or more pets.
- Crafted with a diminishing deductible of $50 each year without a claim
- Features an optional Wellness Rewards Plan that reimburses for services like grooming, exams, wellness, training, vaccines & more.
- Ability to visit any licensed vet, emergency room, or pet specialist.
- Dental issues have $1000 annual coverage.
- Cons
- Plans include annual limits
- Only dogs of 14 years and under can get news coverage
- No annual refunds from Wellness plans
- It does not cover pre-existing conditions unless they can be cured. Pets need to be symptom-free for a year before coverage for that specific pre-existing health condition.
Embrace pet insurance is the perfect way to provide your furry friend with health care. Embrace has everything that any pet owner could need with features up to 90% reimbursement, no lifetime limit, and a decreasing deductible (you can even get some discounts if you have multiple pets)!
One of their more notable offerings is the Wellness reward plan. We like Embrace because it offers the best of both worlds – great coverage for your pets, and you can save 10% off if they’re a multi-pet family. If it’s accident only, then that works too!
Keep in mind there are no pre-existing conditions covered, but overall, this company has some affordable options with personalized plans based on what type of history each dog may have had.
This plan features the following:
- Wellness vet check-ups
- Spay or neuter surgery
- Vaccines or preventatives
- Training
- Grooming
- Accident & Illness Coverage includes the following:
- All Illnesses & Injuries
- Hospitalization & Surgery
- Emergency & Specialty Care
- Breed-specific & Hereditary Conditions in Purebred Pets
- Congenital Conditions
- Chronic Conditions
- Cancer Treatment
- Behavioral Therapy
- Diagnostic Testing
- Prescription Drugs
- Complementary Treatments* & Rehabilitation
Features
- Up to 90% of costs covered.
- 30-day money-back guarantee
- 24/7 customer service helpline. Plans can be customized according to your pet’s health requirements.
- Crafted to allow for diminishing deductible
- Offers a Wellness Reward Plan
- Pros
- Routine pet care that gives you cashback for the regular exams and preventive treatments
- Multiple discounts offered
- Exclusive discounts and plans to employees
- Numerous plans available
- Features Smartphone app to submit claims in real-time
- BBB Rating A+
- Optional Wellness plan
- Exotic pet or bird insurance available (best pick)
- No time limit to submit a claim
- Age restriction for pets ten years and older
- Longstanding financial company
- Cons
- 12-month wait period for CCL(ACL) surgery
- Premiums may be pricier
- Optional Wellness plan needs to be purchased with pet insurance
- Additional $2 transactional charge for monthly payment
- Up to 30-day wait for reimbursement
- Some breed-specific health conditions not covered under the medical plan
- Wellness plans are not available in all states.
- Premiums change and are based on breed, state, and plan type
The Nationwide Pet Health Insurance Plan covers 21 exotic pets, including rabbits. The policy protects against gastrointestinal issues and overgrown teeth in addition to common animal health concerns like arthritis or heartworm infections!
This pet insurance is available either individually through your company’s benefits package or as part of a national plan that can be purchased by anyone with an address in the United States who wants their furry friends covered too.
Features
- Mobile app
- 24/7 Live Veterinary support
- Good customer support
- Cancellation Period within 10 ten days
- Routine Care add-ons
- Option to choose the amount of coverage that works for you
- Pros
- Regardless of health conditions and age, all pets can be treated by a participating vet.
- No waiting periods, deductibles, or annual limits
- Large multi-pet and yearly payment discounts
- 45-day money-back guarantee
- Covers dental care
- Business Bureau A+ rating
- Cons
- Veterinary treatment must be performed in-house by a registered Pet Assure veterinarian.
- No prescription coverage
- No coverage on tests conducted by outside labs.
Pet Assure is a company that offers veterinary discounts to help cut down on expensive costs for your pet. This plan provides pet parents a 25 % discount on all in-office veterinary bills. With this pet medical discount plan for all dog breeds and life stages, you don’t have to deal with a deductible.
We like this plan because it works with 5,600 vets in all 50 states and Puerto Rico, which means you can get great deals no matter where life takes them! There’s never been an easier way to save money with no age limitations or restrictions based on pre-existing conditions; there’s never been an easier way to save money!
Features
- Discount membership plan
- All treatments covered
- All types of an animal eligible
- Easy & fast online enrollment process with no forms to fill out
- Pricing is determined by location and number of pets
- No wait periods- same day sign up veterinary care
- Covers Wellness program
- Affordable
- Pros
- Pet Cloud app allows you to reach out to a live vet 24/7
- 30-day money-back guarantee
- Option to choose your annual benefit, deductible, and reimbursement rate
- Plans cover various treatments like emergency care, hospitalization, diagnostic testing, congenital and hereditary conditions, chronic conditions, and cancer treatment.
- Pet Cloud App stores medical records, sends health reminders, and is crafted with community features to help pet parents and pets.
- Covers lost pet advertising with reward
- Boarding fees & pet theft of up to $150
- Figo features three flexible plans to choose from that can be customized to meet your budget with up to 100% reimbursement on your vet bill, depending on your plan.
- Coverage for pre-existing conditions considered curable
- Cons
- Need to pay extra for the Wellness plan
- Vet exams are an additional charge for covered illnesses & injuries
With Figo Illness, you get coverage for diagnostics, treatment, and prescriptions to get your pet feeling better. The Wellness Cover-Up features coverage for exams, vaccines, & other routine care for happy, healthy pets.
We like Figo because it ranks in the top 10 for pet insurance and features an app, which makes sharing photos and organizing play dates with other pet parents easy! There’s 24/7 live vet coverage for emergencies, and most claims are closed within three days.
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 takeaway with Figo is that you have to wait six months for knee injury coverage, and the lower deductibles are not available for older pets.
Features
- Flexible plan options
- 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
- Pros
- 5- day claim processing for fast reimbursement
- Annual deductible (not per incident)
- Features a 5% multi-pet discount
- Easy & affordable customizable plans
- 70%- 90% reimbursement for all treatments covered
- Coverage in the US, Puerto Rico & Canada
- No breed restriction or age limit
- Plans, on average, are 15%-30% less expensive than other pet insurance companies.
- Choose your vet
- 24/7 self-service portal
- Cons
- Bilateral conditions excluded
Odie is a wellness-first, tech-enabled pet health insurance brand that empowers conscious parents through genuine 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!
Features
- Affordable
- Fast claims reimbursement
- Customizable plans
- App for ease of use
- No breed or age limits
- 24/7 access to the customer portal
- $9.99 plans for dogs
- Pros
- Features a comprehensive list of treatments that are covered
- Crafted with a low $100 deductible
- Optional Wellness [plan is available
- Covers microchipping
- No age limits for new enrollments
- 30 –day refund policy
- Multi-pet discount
- Cesar Millan endorsement
- Reimburses between 70%-90% of eligible vet bills
- Cons
- 2-3 weeks for your pet's enrollment to be accepted
- 14-day wait for accident & illness plans
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. For example, 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
Features
- Customizable plans
- Preventative coverage add-ons
- Affordable
- Covers behavioral problems
- Covers Holistic treatments
- Whisker Vet Help Line 24/7
- Pros
- Breed-specific conditions covered
- Option of complementary care for rehab treatments
- Features vet direct pay
- Choice of Pet Owner assistance that covers pet damage
- You can choose the percentage of the covered costs.
- 30-day money-back guarantee
- No paperwork needed
- Pay only a portion of the vet bill, and the rest is paid directly to vet
- Features no payout limits
- No annual deductible but a per-incident deductible
- 90% reimbursement for services
- 24/7 customer support
- Good rating on Trust Pilot
- No annual limits on coverage
- No age restrictions on hip dysplasia (30-day wait period)
- US, Canada & Puerto Rico coverage is available
- Features enrollment from birth coverage
- Features unlimited lifetime coverage per condition rather than an annual coverage limit
- No exam period
- No bilateral exclusions
- Cons
- Features no routine care Wellness coverage
- No multiple pet discounts
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!
Features
- 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
- Pros
- Suitable for advanced treatment coverage
- Dog crate with two doors: one in the front and one on the side.
- Features a preventative care plan for pups and kittens
- Size: Ranges from 22 inches to 48 inches in length
- List Item
- Crafted with a 14-day waiting period for all illnesses and accidents
- Features coverage for severe health conditions like cancer
- Multipet discounts
- Cons
- No mobile appt for fast vet access
- No reimbursement options
- Annual max caps
This pet insurance is suitable for pups, and with Pumpkin, you’ll get a complete refund for eligible wellness visits and treatments. If you’re looking for a way to keep your dog healthy, Pumpkin has got just the thing.
Their preventative essentials plan covers annual exams and vaccinations as well as an Annual Fecal Test (the company also offers kitten wellness), making it easy on both you and your pup!
Now you can get coverage for acupuncture, stem cell therapy, and even behavioral therapy as long as the treatments are prescribed and performed by a veterinarian. No upper age limit! Most insurance companies either don’t cover pets that are older than a certain age, or they reduce their reimbursement percentage.
But Pumpkin offers flat-rate coverage for all types of animals and an unlimited amount, with 90% paid back in veterinary bills up without any limits The takeaway with Pumpkin is that the maximum benefit amount Pumpkin provides for dogs is $20,000, and with some serious illnesses like cancer vet bills can exceed that. There’s also no mobile app.
Features
- No multiple reimbursement options
- Affordable
- Preventative care reimburses 100%
- Covers microchipping pet
- No upper age limit
Why Do You Need Pet Insurance For a Labradoodle?
If you have a pet, then the answer is simple: Pet insurance for Labradoodle dogs is a wise investment.
The rising cost of veterinary care in the US has made it necessary to have money set aside if our furry friends get sick or injured. If you do not want to go into debt every time you take your pet to the vet, getting a labradoodle insurance policy is an intelligent decision.
Pet Insurance for Labradoodles: What Makes a Good Plan?
What factors should you consider when choosing dog health insurance for your Labradoodle? First, you want to find a plan that offers good coverage and an affordable monthly premium.
Here are some of the most important things to look for when choosing Labradoodle pet insurance:
Accidents, Illnesses & Medical Problems Coverage
It is crucial that any dog insurance plan you are considering will cover your pup if he is diagnosed with a serious illness, gets injured in an accident, or suffers from a chronic problem.
Make sure the Labradoodle insurance policy you are considering has no annual limits on which conditions are covered – this way, the list of “exclusions does not exclude your dog’s illness.”
What Is the Deductible?
This is the amount you have to pay out of pocket before your dog insurance covers any costs related to your pet’s illness or injury. That said, you must know how high the deductible is before you buy labradoodle health insurance because this figure can vary greatly depending on each plan.
Routine Care Coverage
Many pet parents don’t realize that pet insurance often does not cover routine wellness visits and other preventative veterinary services. Yet, it’s designed to help you save money and budget for unplanned veterinary emergencies stemming from accidents and illnesses that you may not be able to afford, most especially if you have multiple pets.
A study shows that pet insurance policyholders spent $119 million in 2018 treating cats’ and dogs’ most common medical disorders. These include the following:
- Skin allergies
- Ear infection
- Non-cancerous skin mass
- Diarrhea/intestinal upset
- Skin infections
- Vomiting/upset stomach
- Arthritis
- Dental disease
- Anal gland inflammation
- Bladder/urinary tract disease
These are the most frequently seen health problems in pets today. Nationwide and Veterinary Pet Insurance adds that between 2011-2018 the most common health problems in dogs were skin allergies, ear infections, and dermatitis. As for cats, bladder and urinary tract problems are the most common health problems, followed by dental disease.
Pet Insurance for Labradoodle Dogs: How to Find the Right Plan?
Whether you are looking for the best accident coverage, breed-specific insurance, or discount plans – we can help you find a plan that meets your needs and budget!
With so many different options to choose from, it can be overwhelming trying to find the best insurance plan for your Labradoodle dog. We understand that you might have questions about what type of coverage would work best for you and your Labradoodle.
Frequently Asked Questions
Pet insurance is just like any other type of insurance. Most often, pet owners that have it are happy they got it. Some people don’t even know what would happen if their pet suddenly got sick or hurt, especially with the cost of vet bills these days! There are so many costs involved, and it can be overwhelming for some families. It’s much easier if you know that your pet will be taken care of.
What are the costs associated with Labradoodle pet insurance?
There are typically monthly premiums, which vary by company and breed of dog like Labradoodle. Then there may also be an annual deductible (the amount you must pay before your insurance covers any costs). You may also be responsible for a co-pay (a daily or frequent pet fee) and an excess (an amount you must pay before your deductible kicks in).
What is excluded from Labradoodle insurance coverage?
Some things that some companies would not cover include pre-existing conditions, injuries from reckless activity or fighting, and the cost of an elective treatment.
What is a pre-existing condition?
There are typically exclusions on certain breeds of dogs, pre-existing illnesses, hereditary diseases, chronic conditions, congenital/hereditary conditions, etc. This is why it’s essential to read the fine print for any company you’re considering. You never want to select a policy for your Labradoodle without knowing what isn’t covered.
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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.
Why Trust We Love Doodles?
At We Love Doodles, we’re a team of writers, veterinarians, and puppy trainers that love dogs. Our team of qualified experts researches and provides reliable information on a wide range of dog topics. Our reviews are based on customer feedback, hands-on testing, and in-depth analysis. We are fully transparent and honest to our community of dog owners and future owners.