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: January 30, 2026
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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 costs for Cavapoos average $75 per month, making them the 186th most expensive dog breed to insure.
Best Cavapoo Pet Insurance Companies
*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.
Discover the best pet insurance options for your Cavapoo across different situations:
AKC
Best for Cavapoos
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.4/5Customer Experience
5/5Coverage Points
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 covers Cavapoos in all 50 states, giving you the widest geographic reach. Rainwalk takes the top spot in Michigan, Virginia and Alabama, making it the best regional choice for Cavapoo owners in those states.
| Alabama | AKC | 4.5 |
| Alabama | Rainwalk | 4.5 |
| Alaska | AKC | 4.55 |
| Arizona | AKC | 4.55 |
| Arkansas | AKC | 4.59 |
| California | AKC | 4.55 |
| Colorado | AKC | 4.55 |
| Connecticut | AKC | 4.55 |
| Delaware | AKC | 4.5 |
| Florida | AKC | 4.55 |
| Georgia | AKC | 4.5 |
| Hawaii | AKC | 4.55 |
| Idaho | AKC | 4.5 |
| Illinois | AKC | 4.55 |
| Indiana | AKC | 4.55 |
| Iowa | AKC | 4.5 |
| Kansas | AKC | 4.55 |
| Kentucky | AKC | 4.55 |
| Louisiana | AKC | 4.5 |
| Maine | AKC | 4.55 |
| Maryland | AKC | 4.5 |
| Massachusetts | AKC | 4.5 |
| Michigan | AKC | 4.45 |
| Michigan | Rainwalk | 4.45 |
| Minnesota | AKC | 4.5 |
| 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 | 4.5 |
| New Mexico | AKC | 4.59 |
| New York | AKC | 4.55 |
| North Carolina | AKC | 4.55 |
| North Dakota | AKC | 4.59 |
| Ohio | AKC | 4.5 |
| Oklahoma | AKC | 4.59 |
| Oregon | AKC | 4.55 |
| Pennsylvania | AKC | 4.55 |
| Rhode Island | AKC | 4.55 |
| South Carolina | AKC | 4.55 |
| South Dakota | AKC | 4.59 |
| Tennessee | AKC | 4.55 |
| Texas | AKC | 4.55 |
| Utah | AKC | 4.5 |
| Vermont | AKC | 4.55 |
| Virginia | AKC | 4.5 |
| Virginia | Rainwalk | 4.5 |
| Washington | AKC | 4.59 |
| West Virginia | AKC | 4.55 |
| Wisconsin | AKC | 4.5 |
| 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 Points
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.
Your Cavapoo's health history matters more than breed averages when picking coverage. Choose your deductible, annual limit and reimbursement rate based on your dog's medical records and what you can afford. Talk to your vet about which health risks your Cavapoo faces most.
INSURANCE RISK PREVENTION
Keep your Cavapoo healthy with annual vet visits, grooming every six to eight weeks and 30 minutes of daily exercise. Buy from breeders who test parent dogs for heart and eye problems. Feed measured portions to maintain a healthy weight and don't give too many treats. Brush your dog's teeth regularly and schedule dental cleaning to avoid costly procedures down the road.
How to Get the Best Cheap Cavapoo Pet Insurance
Choose pet insurance for your Cavapoo with your budget in mind. The steps below help you compare plans and select coverage that fits:
- 1Understand Your Coverage Options
Look at your Cavapoo’s age, breed traits and health history to decide how much pet insurance you actually need. Reviewing common inclusions and exclusions helps you avoid paying for coverage that does not match your dog’s risks.
- 2Compare Insurance Companies
Review multiple insurers that offer Cavapoo coverage and note how their average prices differ. Customer ratings and reviews give insight into how reliably each company handles claims.
- 3Review Policy Details
Check waiting periods, breed-related exclusions and eligibility rules in each policy. Annual limits and deductibles matter most here since they directly affect what you pay out of pocket.
- 4Get Multiple Price Quotes
Request quotes from at least three providers to see how pricing shifts across companies. Rates often change based on deductible levels, reimbursement percentages and coverage caps, so compare plans with similar terms. Look for pet insurance discounts that may reduce your premium.
- 5Check Rates Annually
Review your coverage before renewal to account for changes in your Cavapoo’s needs. New plans or pricing updates may offer better value than what you currently carry.
Cavapoo Dog Insurance: Bottom Line
AKC ranks as the best pet insurance for Cavapoos, while Pumpkin charges the lowest monthly premiums. Compare both companies with other insurers to find coverage that fits your dog's health needs and your budget. The right policy helps you afford quality vet care when your Cavapoo gets sick or injured.
Explore the best pet insurance providers for your Cavapoo:
Pet Insurance for Cavapoo: FAQ
Our insurance experts answer the most common questions about Cavapoo insurance below:
What is the best pet insurance provider for Cavapoos overall?
AKC offers the best coverage for Cavapoos with broad protection and helpful customer service. You'll pay more than average, but the extensive coverage options and pet-focused expertise justify the higher cost.
Who offers the cheapest pet insurance for Cavapoos?
Pumpkin charges the lowest rate at $23 monthly for standard coverage. Your actual premium depends on where you live, your dog's age and other factors.
How much does Cavapoo insurance cost?
Cavapoo insurance costs $75 monthly on average, making them the 186th most expensive breed to insure. Monthly rates range from $51 to $97 depending on your state.
What are the most common accident and illness risks for Cavapoos?
Cavapoos often develop syringomyelia, which causes pain and coordination problems. They also get mitral valve disease, a heart condition that disrupts blood flow, and progressive retinal atrophy, which gradually destroys their vision. These problems come from their Cavalier King Charles Spaniel and Poodle parents.
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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.