AKC is the best pet insurance for Cavapoos due to its comprehensive coverage options and strong customer service ratings. Other top-rated options are Rainwalk, Lemonade and Pets Best.
Cavapoo Insurance
Updated: September 4, 2025
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Key Takeaways
AKC is the best pet insurance company for Cavapoos, delivering superior coverage and service quality.
Pumpkin offers the cheapest pet insurance rates for Cavapoos, with average rates of around $23 monthly for standard protection.
Pet insurance for Cavapoos costs $75 per month on average, making them the 186th most expensive dog breed to insure.
Best Cavapoo Pet Insurance Companies
| AKC | 4.55 | $37 | 3 | 1 |
| Rainwalk | 4.45 | $37 | 1 | 4 |
| Lemonade | 4.30 | $28 | 3 | 6 |
| Pets Best | 4.25 | $33 | 5 | 2 |
| Spot | 4.15 | $35 | 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 Cavapoos
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$37Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Cavapoo Pet Insurance by State
AKC leads pet insurance for Cavapoos in all 50 states, showing unmatched nationwide coverage. Rainwalk ranks best in Michigan, Virginia and Alabama, offering strong regional options for Cavapoo owners.
| Alabama | AKC | 4.50 |
| Alabama | Rainwalk | 4.50 |
| Alaska | AKC | 4.55 |
| Arizona | AKC | 4.55 |
| Arkansas | AKC | 4.60 |
| California | AKC | 4.55 |
| Colorado | AKC | 4.55 |
| Connecticut | AKC | 4.55 |
| Delaware | AKC | 4.50 |
| Florida | AKC | 4.55 |
| Georgia | AKC | 4.50 |
| Hawaii | AKC | 4.55 |
| Idaho | AKC | 4.50 |
| Illinois | AKC | 4.55 |
| Indiana | AKC | 4.55 |
| Iowa | AKC | 4.50 |
| Kansas | AKC | 4.55 |
| Kentucky | AKC | 4.55 |
| Louisiana | AKC | 4.50 |
| Maine | AKC | 4.55 |
| Maryland | AKC | 4.50 |
| Massachusetts | AKC | 4.50 |
| Michigan | AKC | 4.45 |
| Michigan | Rainwalk | 4.45 |
| Minnesota | AKC | 4.50 |
| Mississippi | AKC | 4.55 |
| Missouri | AKC | 4.55 |
| Montana | AKC | 4.55 |
| Nebraska | AKC | 4.55 |
| Nevada | AKC | 4.55 |
| New Hampshire | AKC | 4.55 |
| New Jersey | AKC | 4.50 |
| New Mexico | AKC | 4.60 |
| New York | AKC | 4.55 |
| North Carolina | AKC | 4.55 |
| North Dakota | AKC | 4.60 |
| Ohio | AKC | 4.50 |
| Oklahoma | AKC | 4.60 |
| Oregon | AKC | 4.55 |
| Pennsylvania | AKC | 4.55 |
| Rhode Island | AKC | 4.55 |
| South Carolina | AKC | 4.55 |
| South Dakota | AKC | 4.60 |
| Tennessee | AKC | 4.55 |
| Texas | AKC | 4.55 |
| Utah | AKC | 4.50 |
| Vermont | AKC | 4.55 |
| Virginia | AKC | 4.50 |
| Virginia | Rainwalk | 4.50 |
| Washington | AKC | 4.60 |
| West Virginia | AKC | 4.55 |
| Wisconsin | AKC | 4.50 |
| Wyoming | AKC | 4.55 |
*Rates are based on a 6-year-old Cavapoo 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 Cavapoo Pet Insurance Companies
Pumpkin offers the most affordable pet insurance for Cavapoos at $23 per month or $280 per year. Other budget-friendly providers include Lemonade, ASPCA, Figo and Pets Best.
| Pumpkin | $23 | $280 | 57% |
| Lemonade | $28 | $333 | 49% |
| ASPCA | $29 | $354 | 46% |
| Figo | $33 | $396 | 40% |
| Pets Best | $33 | $403 | 39% |
*Rates are based on a 6-year-old Cavapoo with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pumpkin
Cheapest Pet Insurance for Cavapoos
MoneyGeek Rating
4.0/ 5
4.8/5Affordability
4.4/5Customer Experience
1.7/5Coverage Options
Average Monthly Rate
$23Overall Customer Sentiment
79% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Behavioral therapy included in standard plans
Cheapest Cavapoo Pet Insurance by State
Pumpkin leads as the most budget-friendly pet insurance provider for Cavapoos, offering the lowest rates in 50 states. Monthly premiums range from $15 to $30, depending on your location.
| Alabama | Pumpkin | $17 | 59% |
| Alaska | Pumpkin | $22 | 58% |
| Arizona | Pumpkin | $28 | 56% |
| Arkansas | Pumpkin | $15 | 59% |
| California | Pumpkin | $29 | 54% |
| Colorado | Pumpkin | $29 | 57% |
| Connecticut | Pumpkin | $26 | 57% |
| Delaware | Pumpkin | $23 | 58% |
| Florida | Pumpkin | $26 | 57% |
| Georgia | Pumpkin | $21 | 57% |
| Hawaii | Pumpkin | $23 | 58% |
| Idaho | Pumpkin | $23 | 57% |
| Illinois | Pumpkin | $28 | 56% |
| Indiana | Pumpkin | $21 | 56% |
| Iowa | Pumpkin | $19 | 58% |
| Kansas | Pumpkin | $21 | 58% |
| Kentucky | Pumpkin | $18 | 59% |
| Louisiana | Pumpkin | $19 | 59% |
| Maine | Pumpkin | $28 | 57% |
| Maryland | Pumpkin | $23 | 61% |
| Massachusetts | Pumpkin | $30 | 56% |
| Michigan | Pumpkin | $23 | 57% |
| Minnesota | Pumpkin | $24 | 56% |
| Mississippi | Pumpkin | $20 | 58% |
| Missouri | Pumpkin | $18 | 58% |
| Montana | Pumpkin | $19 | 58% |
| Nebraska | Pumpkin | $21 | 58% |
| Nevada | Pumpkin | $24 | 57% |
| New Hampshire | Pumpkin | $27 | 56% |
| New Jersey | Pumpkin | $26 | 56% |
| New Mexico | Pumpkin | $20 | 58% |
| New York | Pumpkin | $25 | 57% |
| North Carolina | Pumpkin | $20 | 59% |
| North Dakota | Pumpkin | $18 | 58% |
| Ohio | Pumpkin | $21 | 58% |
| Oklahoma | Pumpkin | $19 | 58% |
| Oregon | Pumpkin | $29 | 56% |
| Pennsylvania | Pumpkin | $24 | 58% |
| Rhode Island | Pumpkin | $20 | 58% |
| South Carolina | Pumpkin | $22 | 57% |
| South Dakota | Pumpkin | $20 | 59% |
| Tennessee | Pumpkin | $21 | 57% |
| Texas | Pumpkin | $24 | 56% |
| Utah | Pumpkin | $22 | 58% |
| Vermont | Pumpkin | $21 | 58% |
| Virginia | Pumpkin | $25 | 58% |
| Washington | Pumpkin | $26 | 59% |
| West Virginia | Pumpkin | $20 | 57% |
| Wisconsin | Pumpkin | $25 | 58% |
| Wyoming | Pumpkin | $21 | 57% |
*Rates are based on a 6-year-old Cavapoo 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 Cavapoo Insurance Cost?
Monthly pet insurance for Cavapoos ranges from $51 to $97 depending on your state, ranking as the 186th most expensive breed to insure nationwide. Your actual premium will vary based on coverage options and your pet's specific needs.
| Alabama | $56 | $682 | -25% |
| Alaska | $74 | $894 | -1% |
| Arizona | $89 | $1,078 | 19% |
| Arkansas | $51 | $612 | -32% |
| California | $93 | $1,121 | 24% |
| Colorado | $94 | $1,132 | 25% |
| Connecticut | $86 | $1,035 | 15% |
| Delaware | $76 | $917 | 2% |
| Florida | $85 | $1,028 | 14% |
| Georgia | $67 | $804 | -11% |
| Hawaii | $76 | $924 | 2% |
| Idaho | $75 | $902 | -0% |
| Illinois | $92 | $1,107 | 23% |
| Indiana | $68 | $816 | -10% |
| Iowa | $62 | $749 | -17% |
| Kansas | $68 | $822 | -9% |
| Kentucky | $60 | $724 | -20% |
| Louisiana | $61 | $730 | -19% |
| Maine | $91 | $1,094 | 21% |
| Maryland | $78 | $942 | 4% |
| Massachusetts | $97 | $1,172 | 30% |
| Michigan | $75 | $909 | 1% |
| Minnesota | $77 | $927 | 3% |
| Mississippi | $65 | $780 | -14% |
| Missouri | $59 | $716 | -21% |
| Montana | $64 | $769 | -15% |
| Nebraska | $67 | $811 | -10% |
| Nevada | $76 | $922 | 2% |
| New Hampshire | $86 | $1,041 | 15% |
| New Jersey | $84 | $1,013 | 12% |
| New Mexico | $66 | $796 | -12% |
| New York | $82 | $988 | 9% |
| North Carolina | $68 | $818 | -9% |
| North Dakota | $58 | $699 | -23% |
| Ohio | $70 | $841 | -7% |
| Oklahoma | $63 | $757 | -16% |
| Oregon | $93 | $1,123 | 24% |
| Pennsylvania | $79 | $949 | 5% |
| Rhode Island | $66 | $799 | -12% |
| South Carolina | $73 | $881 | -2% |
| South Dakota | $67 | $810 | -10% |
| Tennessee | $69 | $833 | -8% |
| Texas | $77 | $932 | 3% |
| Utah | $73 | $876 | -3% |
| Vermont | $70 | $843 | -7% |
| Virginia | $82 | $986 | 9% |
| Washington | $87 | $1,046 | 16% |
| West Virginia | $64 | $778 | -14% |
| Wisconsin | $81 | $975 | 8% |
| Wyoming | $69 | $833 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Cavapoo. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect Cavapoo Insurance Costs?
Ranking 186th among insured dog breeds, Cavapoos come with higher-than-average pet insurance premiums due to several breed-specific health factors that affect coverage costs.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Cavapoos inherit health risks from both Cavalier King Charles Spaniel and Poodle lineages, making them prone to several genetic conditions that insurers consider high-risk. Mitral valve disease often requires costly cardiac surgery. They are also susceptible to syringomyelia (a neurological condition), patellar luxation, and progressive retinal atrophy. These inherited conditions can significantly increase lifetime veterinary expenses.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
As a small to medium-sized breed, Cavapoos require carefully calculated medication doses and specialized equipment for procedures. Their compact size means dental work and internal surgeries need precise techniques. While they may need less medication than larger breeds, their procedures often require specialized small-breed surgical tools and monitoring equipment, which can increase treatment costs.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $800 (Young) to $1,000 to $3,500 (Senior)
Cavapoos typically live 12 to 15 years, which is longer than many larger breeds. This extended lifespan means more years of potential health management, particularly in their senior phase. As these dogs age, they often develop multiple chronic conditions requiring ongoing care, leading to substantially higher veterinary costs in their later years.
Behavioral and Activity Risks
Potential Vet Costs: $800 to $4,500
Cavapoos are energetic and playful dogs with moderate activity needs. Their enthusiasm during play can lead to injuries like torn cruciate ligaments or dental trauma. While generally friendly, their sometimes excitable nature can result in accidents during interactions. These activity-related risks influence both potential medical costs and liability coverage considerations.
Breeding-Related Issues
Potential Vet Costs: $1,500 to $8,000
The rising popularity of Cavapoos has led to increased backyard breeding, resulting in more genetic health issues within the breed. Insurance providers now scrutinize these dogs more carefully due to hereditary condition risks. Selecting a puppy from health-tested parents with proper genetic screening can significantly reduce future medical expenses and improve insurance coverage options.
While Cavapoos share common breed traits, your dog's unique health profile shapes their insurance needs. Base your coverage decision on your pet's specific medical history and your budget. A conversation with your veterinarian can help identify health risks that matter most for your Cavapoo.
INSURANCE RISK PREVENTION
Reduce your Cavapoo's health risks through regular vet checkups, proper grooming every 6-8 weeks, and daily 30-minute exercise sessions. Choose breeders who perform genetic testing on parent breeds for heart and eye conditions. Maintain a healthy weight with measured portions and avoid overfeeding. Regular dental cleaning and teeth brushing prevent expensive procedures later.
How to Get the Best Cheap Cavapoo Pet Insurance
Getting affordable Cavapoo insurance requires some research. Follow these steps:
- 1
Understand Your Coverage Options
Start by determining what health risks your Cavapoo might face and how much you can spend on insurance. Review pet insurance coverage options to understand what plans typically include and exclude.
- 2
Compare Insurance Companies
Research different insurance providers and their average costs for Cavapoo coverage. Look at customer reviews and ratings to ensure the company has a good track record of paying claims.
- 3
Review Policy Details
Examine waiting periods and any breed-specific exclusions in the policy documents. Pay special attention to coverage limits and deductibles, as these affect your out-of-pocket costs.
- 4
Get Multiple Price Quotes
Request quotes from at least three different insurance providers. Each company uses different factors to set rates, so prices can vary significantly for the same coverage.
- 5
Check Rates Annually
Mark your calendar to review your policy each year before renewal. Your Cavapoo's needs may change, and new providers might offer better rates.
Cavapoo Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Cavapoos, while Pumpkin offers the lowest monthly premiums. Compare both options with other trusted providers to find coverage that matches your pet's needs and budget. The right policy brings peace of mind and ensures quality care when health issues arise.
Pet Insurance for Cavapoo: FAQ
Below are our expert answers to frequently asked questions about Cavapoo insurance:
What is the best pet insurance provider for Cavapoos overall?
AKC offers the best coverage for Cavapoos, featuring comprehensive protection and exceptional customer service. Despite higher-than-average premiums, their extensive coverage options and specialized pet expertise make them a valuable choice.
Who offers the cheapest pet insurance for Cavapoos?
Pumpkin offers the most affordable pet insurance for Cavapoos at $23 per month for standard coverage. Note that actual premiums will vary depending on your location, pet's age, and other individual factors.
How much does Cavapoo insurance cost?
With a monthly premium of $75, Cavapoos rank as the 186th most expensive breed to insure. Monthly rates can vary significantly by location, ranging from $51 to $97 depending on your state.
What are the most common accident and illness risks for Cavapoos?
Cavapoos commonly face syringomyelia (a neurological condition causing pain and coordination issues), mitral valve disease (a heart condition affecting blood flow), and progressive retinal atrophy (gradual vision loss leading to blindness). These health risks are primarily inherited from their Cavalier King Charles Spaniel and Poodle parent breeds.
How We Found the Best and Cheapest Cavapoo Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Cavapoos. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Cavapoos.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Cavapoo
- $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.