AKC leads pet insurance providers for Cavalier King Charles Spaniels, offering comprehensive coverage options and strong customer service ratings. Other top insurance providers worth considering include Lemonade, Rainwalk and Pets Best.
Cavalier King Charles Spaniel Insurance
Updated: September 3, 2025
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Key Takeaways
AKC is the best pet insurance company for Cavalier King Charles Spaniels, delivering superior coverage and service quality.
Lemonade offers the cheapest pet insurance rates for Cavalier King Charles Spaniels, with an average monthly rate of around $35 for standard protection.
Pet insurance for Cavalier King Charles Spaniels costs $104 per month on average, making them the 101st most expensive dog breed to insure.
Best Cavalier King Charles Spaniel Pet Insurance Companies
| AKC | 4.35 | $51 | 3 | 1 |
| Lemonade | 4.25 | $35 | 3 | 6 |
| Rainwalk | 4.25 | $51 | 1 | 4 |
| Pets Best | 4.20 | $40 | 5 | 2 |
| Spot | 3.95 | $51 | 2 | 8 |
*Pet insurance coverage varies by state and provider. Rates shown are estimates; actual costs vary based on your pet's age, health and location. Coverage exclusions and waiting periods apply. Consult individual providers for specific terms.
AKC
Best for Cavalier King Charles Spaniels
MoneyGeek Rating
4.3/ 5
4.1/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$51Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Cavalier King Charles Spaniel Pet Insurance by State
AKC leads pet insurance for Cavalier King Charles Spaniels in 49 states nationwide. Rainwalk shows strong regional performance, ranking as the top choice in seven states, including Virginia, Michigan and Illinois.
| Alabama | AKC | 4.35 |
| Alabama | Rainwalk | 4.35 |
| Alaska | AKC | 4.35 |
| Arizona | AKC | 4.35 |
| Arkansas | AKC | 4.45 |
| California | AKC | 4.40 |
| Colorado | AKC | 4.35 |
| Connecticut | AKC | 4.35 |
| Delaware | AKC | 4.35 |
| Florida | AKC | 4.40 |
| Georgia | AKC | 4.35 |
| Hawaii | AKC | 4.35 |
| Idaho | AKC | 4.35 |
| Illinois | AKC | 4.35 |
| Illinois | Rainwalk | 4.35 |
| Indiana | AKC | 4.40 |
| Iowa | AKC | 4.35 |
| Kansas | AKC | 4.35 |
| Kansas | Rainwalk | 4.35 |
| Kentucky | AKC | 4.40 |
| Louisiana | AKC | 4.35 |
| Maine | AKC | 4.35 |
| Maryland | AKC | 4.30 |
| Massachusetts | AKC | 4.30 |
| Massachusetts | Rainwalk | 4.30 |
| Michigan | Rainwalk | 4.30 |
| Minnesota | AKC | 4.35 |
| Mississippi | AKC | 4.40 |
| Missouri | AKC | 4.35 |
| Montana | AKC | 4.40 |
| Nebraska | AKC | 4.35 |
| Nevada | AKC | 4.35 |
| New Hampshire | AKC | 4.35 |
| New Jersey | AKC | 4.35 |
| New Mexico | AKC | 4.45 |
| New York | AKC | 4.40 |
| North Carolina | AKC | 4.35 |
| North Dakota | AKC | 4.45 |
| Ohio | AKC | 4.35 |
| Oklahoma | AKC | 4.45 |
| Oregon | AKC | 4.35 |
| Pennsylvania | AKC | 4.40 |
| Rhode Island | AKC | 4.40 |
| South Carolina | AKC | 4.40 |
| South Dakota | AKC | 4.40 |
| Tennessee | AKC | 4.35 |
| Texas | AKC | 4.35 |
| Utah | AKC | 4.30 |
| Utah | Rainwalk | 4.30 |
| Vermont | AKC | 4.35 |
| Virginia | Rainwalk | 4.30 |
| Virginia | AKC | 4.30 |
| Washington | AKC | 4.45 |
| West Virginia | AKC | 4.35 |
| Wisconsin | AKC | 4.30 |
| Wyoming | AKC | 4.40 |
*Rates are based on a 6-year-old Cavalier King Charles Spaniel with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Cheapest Cavalier King Charles Spaniel Pet Insurance Companies
Lemonade provides the most affordable pet insurance for Cavalier King Charles Spaniels at $35 per month or $414 per year. Other budget-friendly options include Pumpkin, Pets Best, ASPCA and Figo.
| Lemonade | $35 | $414 | 37% |
| Pumpkin | $39 | $464 | 29% |
| Pets Best | $40 | $484 | 26% |
| ASPCA | $43 | $511 | 22% |
| Figo | $45 | $540 | 18% |
*Rates are based on a 6-year-old Cavalier King Charles Spaniel with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Lemonade
Cheapest Pet Insurance for Cavalier King Charles Spaniels
MoneyGeek Rating
4.3/ 5
4.5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$35Overall Customer Sentiment
65% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical Therapy For New Accidents and Illness
Cheapest Cavalier King Charles Spaniel Pet Insurance by State
Lemonade offers the most budget-friendly pet insurance for Cavalier King Charles Spaniels, ranking lowest in 50 states. Monthly premiums range from $23 to $45, depending on location.
| Alabama | Lemonade | $25 | 40% |
| Alaska | Lemonade | $34 | 38% |
| Arizona | Lemonade | $42 | 35% |
| Arkansas | Lemonade | $23 | 40% |
| California | Lemonade | $44 | 33% |
| Colorado | Lemonade | $44 | 36% |
| Connecticut | Lemonade | $40 | 36% |
| Delaware | Lemonade | $35 | 38% |
| Florida | Lemonade | $39 | 36% |
| Georgia | Lemonade | $31 | 36% |
| Hawaii | Lemonade | $35 | 38% |
| Idaho | Lemonade | $35 | 36% |
| Illinois | Lemonade | $43 | 35% |
| Indiana | Lemonade | $31 | 36% |
| Iowa | Lemonade | $29 | 38% |
| Kansas | Lemonade | $31 | 37% |
| Kentucky | Lemonade | $27 | 40% |
| Louisiana | Lemonade | $28 | 39% |
| Maine | Lemonade | $42 | 37% |
| Maryland | Lemonade | $34 | 42% |
| Massachusetts | Lemonade | $45 | 36% |
| Michigan | Lemonade | $35 | 37% |
| Minnesota | Lemonade | $36 | 36% |
| Mississippi | Lemonade | $29 | 38% |
| Missouri | Lemonade | $27 | 38% |
| Montana | Lemonade | $29 | 38% |
| Nebraska | Lemonade | $31 | 37% |
| Nevada | Lemonade | $36 | 36% |
| New Hampshire | Lemonade | $40 | 36% |
| New Jersey | Lemonade | $39 | 36% |
| New Mexico | Lemonade | $30 | 38% |
| New York | Lemonade | $38 | 36% |
| North Carolina | Lemonade | $31 | 39% |
| North Dakota | Lemonade | $27 | 38% |
| Ohio | Lemonade | $32 | 38% |
| Oklahoma | Lemonade | $29 | 38% |
| Oregon | Lemonade | $43 | 35% |
| Pennsylvania | Lemonade | $36 | 37% |
| Rhode Island | Lemonade | $30 | 38% |
| South Carolina | Lemonade | $33 | 36% |
| South Dakota | Lemonade | $31 | 39% |
| Tennessee | Lemonade | $32 | 36% |
| Texas | Lemonade | $37 | 35% |
| Utah | Lemonade | $33 | 38% |
| Vermont | Lemonade | $32 | 38% |
| Virginia | Lemonade | $37 | 38% |
| Washington | Lemonade | $40 | 39% |
| West Virginia | Lemonade | $30 | 37% |
| Wisconsin | Lemonade | $37 | 38% |
| Wyoming | Lemonade | $32 | 37% |
*Rates are based on a 6-year-old Cavalier King Charles Spaniel with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
How Much Does Cavalier King Charles Spaniel Insurance Cost?
Monthly insurance premiums for Cavalier King Charles Spaniels range from $70 to $135 across the U.S., ranking as the 101st most expensive breed to insure. Your costs vary based on your location, coverage choices and your pet's specific needs.
| Alabama | $78 | $939 | -24% |
| Alaska | $103 | $1,229 | -1% |
| Arizona | $124 | $1,484 | 19% |
| Arkansas | $70 | $843 | -32% |
| California | $129 | $1,542 | 24% |
| Colorado | $130 | $1,558 | 25% |
| Connecticut | $119 | $1,423 | 14% |
| Delaware | $105 | $1,261 | 1% |
| Florida | $118 | $1,417 | 14% |
| Georgia | $92 | $1,107 | -11% |
| Hawaii | $106 | $1,272 | 2% |
| Idaho | $104 | $1,242 | -0% |
| Illinois | $127 | $1,524 | 23% |
| Indiana | $94 | $1,123 | -10% |
| Iowa | $86 | $1,031 | -17% |
| Kansas | $95 | $1,132 | -9% |
| Kentucky | $83 | $996 | -20% |
| Louisiana | $84 | $1,006 | -19% |
| Maine | $125 | $1,502 | 21% |
| Maryland | $109 | $1,300 | 5% |
| Massachusetts | $135 | $1,613 | 30% |
| Michigan | $104 | $1,252 | 1% |
| Minnesota | $106 | $1,275 | 3% |
| Mississippi | $89 | $1,072 | -14% |
| Missouri | $82 | $986 | -21% |
| Montana | $88 | $1,056 | -15% |
| Nebraska | $93 | $1,116 | -10% |
| Nevada | $106 | $1,268 | 2% |
| New Hampshire | $119 | $1,430 | 15% |
| New Jersey | $116 | $1,392 | 12% |
| New Mexico | $92 | $1,096 | -12% |
| New York | $114 | $1,361 | 9% |
| North Carolina | $94 | $1,127 | -9% |
| North Dakota | $80 | $961 | -23% |
| Ohio | $97 | $1,159 | -7% |
| Oklahoma | $87 | $1,042 | -16% |
| Oregon | $129 | $1,546 | 24% |
| Pennsylvania | $109 | $1,308 | 5% |
| Rhode Island | $92 | $1,100 | -12% |
| South Carolina | $100 | $1,196 | -4% |
| South Dakota | $93 | $1,116 | -10% |
| Tennessee | $96 | $1,147 | -8% |
| Texas | $107 | $1,283 | 3% |
| Utah | $101 | $1,207 | -3% |
| Vermont | $97 | $1,159 | -7% |
| Virginia | $113 | $1,359 | 9% |
| Washington | $120 | $1,440 | 16% |
| West Virginia | $89 | $1,068 | -14% |
| Wisconsin | $112 | $1,343 | 8% |
| Wyoming | $95 | $1,144 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Cavalier King Charles Spaniel. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect Cavalier King Charles Spaniel Insurance Costs?
Cavalier King Charles Spaniels rank as the 101st most expensive dog breed to insure, with premiums averaging $104 monthly. Several breed-specific health factors drive these costs higher, but there are ways to manage your insurance expenses.
Health Predispositions
Potential Vet Costs: $3,000 to $15,000
Cavalier King Charles Spaniels have breed-specific health challenges insurers consider high risk. Mitral valve disease, a serious heart condition, requires costly surgical intervention. These dogs are also prone to syringomyelia (a neurological condition), hip dysplasia and retinal disorders. Their predisposition to these conditions leads to higher premiums and frequent veterinary visits.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
Cavalier King Charles Spaniels require precise medication dosing and specialized equipment for procedures. Their compact size demands careful anesthesia monitoring during surgery. Smaller medication quantities offset frequent preventive care and dental work needs. Their size makes them more susceptible to injury from falls or rough handling.
Lifespan Considerations
Annual Vet Costs By Age: $700 to $1,500 (Young) to $2,000 to $4,500 (Senior)
Cavalier King Charles Spaniels typically live 9 to 14 years, which is slightly shorter than other small breeds. Their compressed lifespan often means age-related health issues develop earlier, particularly heart and neurological conditions. Senior Cavaliers frequently need more extensive medical care, including regular heart monitoring, medication management and mobility support.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $4,000
While generally gentle and adaptable, Cavalier King Charles Spaniels maintain an energetic sporting dog heritage. Their enthusiasm for play and exercise can lead to joint sprains, dental injuries or accidental falls. Their friendly nature means they often interact closely with children and other pets, potentially increasing injury risk during playtime. Regular exercise needs also raise the likelihood of paw pad injuries or heat-related issues.
Breeding-Related Issues
Potential Vet Costs: $2,500 to $8,000
Popularity-driven breeding practices have intensified genetic health issues in Cavalier King Charles Spaniels. Many insurance providers now require detailed health screening documentation before offering coverage. Choosing a puppy from health-tested parents with documented cardiac and neurological clearances can significantly reduce future medical expenses and improve insurance eligibility.
While Cavalier King Charles Spaniels have breed-specific health risks, your dog's unique medical history matters most. Choose insurance coverage based on your pet's needs and budget, and talk with your vet about potential health concerns.
INSURANCE RISK PREVENTION
Protect your Cavalier King Charles Spaniel's health and reduce future vet bills through preventive care. Choose a breeder who tests for heart conditions and syringomyelia. Keep your dog at a healthy weight with proper portions and daily walks. Schedule regular heart checkups starting at age 5, and maintain good dental care to prevent valve infections. Consider pet insurance early, as monthly premiums range from $34 to $51, offering financial protection against breed-specific health issues.
How to Get the Best Cheap Cavalier King Charles Spaniel Pet Insurance
Smart comparison shopping and policy customization can reduce Cavalier King Charles Spaniel insurance costs.
- 1
Understand Your Coverage Options
Cavalier King Charles Spaniels often need coverage for heart conditions and other breed-specific issues. Review different pet insurance coverage levels to find the right balance between protection and cost.
- 2
Compare Insurance Companies
Get quotes from at least three insurers that cover breed-specific conditions. Search for companies with positive customer reviews and clear policies about covering hereditary conditions.
- 3
Review Policy Details
Check waiting periods and pre-existing condition rules carefully. Many insurers have specific terms for heart conditions and other common Cavalier health issues.
- 4
Get Multiple Online Quotes
Use online quote tools to compare prices quickly. Rates can vary significantly between providers, even for the same coverage level.
- 5
Review Coverage Annually
Check your policy each year before renewal. Your dog's age and health needs change, so comparing new quotes can help you maintain affordable coverage.
Cavalier King Charles Spaniel Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Cavalier King Charles Spaniels, while Lemonade offers the lowest monthly premiums. Compare these providers and other trusted options to find a plan matching your dog's health needs and budget. The right policy brings peace of mind when health issues arise.
Pet Insurance for Cavalier King Charles Spaniel: FAQ
Below are our expert answers to frequently asked questions about Cavalier King Charles Spaniel insurance:
What is the best pet insurance provider for Cavalier King Charles Spaniels overall?
AKC is the leading pet insurance provider for Cavalier King Charles Spaniels, offering comprehensive coverage and exceptional customer service. Despite higher premiums, their extensive benefits and specialized coverage make them a valuable choice for Cavalier owners.
Who offers the cheapest pet insurance for Cavalier King Charles Spaniels?
Lemonade provides the most affordable pet insurance for Cavalier King Charles Spaniels, with monthly premiums starting at $35 for standard coverage. Actual rates may vary depending on your location and pet's specific circumstances.
How much does Cavalier King Charles Spaniel insurance cost?
Cavalier King Charles Spaniels rank as the 101st most expensive breed to insure, with monthly premiums averaging $104. Monthly rates vary significantly by location, ranging from $70 to $135.
What are the most common accident and illness risks for Cavalier King Charles Spaniels?
Cavalier King Charles Spaniels commonly face Mitral Valve Disease (a heart condition causing breathing difficulties and reduced energy), Syringomyelia (a neurological disorder causing pain and mobility issues) and Hip Dysplasia (joint malformation leading to arthritis and movement problems). These health risks are primarily linked to the breed's genetic predisposition and skull shape.
How We Found the Best and Cheapest Cavalier King Charles Spaniel Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Cavalier King Charles Spaniels. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Cavalier King Charles Spaniels.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Cavalier King Charles Spaniel
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs provided were based on aggregated pricing for the breed for all coverage selections and all ages insured on the market within reasonable life expectancy limits.
How We Rated Each Provider
We analyzed online sources for comprehensive ratings based on the following basic metrics:
- Affordability (50% of score): This score aggregates ratings based on the relative affordability compared to competition for all profiles and all factor combinations. We also factored in discounts as a minor component to the rating, as there's only slight variation between companies.
- Customer Experience (30% of score): We used ratings derived from a general sentiment rating aggregated from all internet sources, determining positive, neutral and negative sentiment proportions for each company to get this score. More positive sentiment means a higher rating.
- Coverage (20% of score): We read all contract details for every provider in every state, considering add-on options, inclusions, exclusions and restrictions to derive this score. Pet insurance regulations vary widely by state, and coverage options may differ based on your location.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.