AKC is the best pet insurance company for Cockapoos due to its comprehensive coverage options and strong customer satisfaction ratings. Other top-rated providers are Rainwalk, Pets Best and Lemonade.
Cockapoo Insurance
Updated: September 4, 2025
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Key Takeaways
AKC is the best pet insurance company for Cockapoos, offering comprehensive coverage and strong customer service.
Pumpkin offers the cheapest pet insurance rates for Cockapoos, with average rates of around $23 monthly for standard protection.
The average monthly premium for Cockapoos is $73, ranking them as the 188th most expensive dog breed to insure.
Best Cockapoo Pet Insurance Companies
| AKC | 4.55 | $36 | 3 | 1 |
| Rainwalk | 4.45 | $36 | 1 | 4 |
| Pets Best | 4.40 | $24 | 5 | 2 |
| Lemonade | 4.35 | $25 | 3 | 6 |
| Spot | 4.15 | $34 | 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 Cockapoos
MoneyGeek Rating
4.5/ 5
4.5/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$36Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Cockapoo Pet Insurance by State
AKC ranks as the top Cockapoo insurance provider in 50 states nationwide. Rainwalk holds the second position, leading in Massachusetts, Utah and Virginia.
| Alabama | AKC | 4.55 |
| 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 | 4.55 |
| Florida | AKC | 4.55 |
| Georgia | AKC | 4.50 |
| Hawaii | AKC | 4.55 |
| Idaho | AKC | 4.55 |
| Illinois | AKC | 4.55 |
| Indiana | AKC | 4.60 |
| Iowa | AKC | 4.55 |
| Kansas | AKC | 4.55 |
| Kentucky | AKC | 4.55 |
| Louisiana | AKC | 4.55 |
| Maine | AKC | 4.55 |
| Maryland | AKC | 4.50 |
| Massachusetts | AKC | 4.50 |
| Massachusetts | Rainwalk | 4.50 |
| Michigan | AKC | 4.50 |
| Minnesota | AKC | 4.55 |
| 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 | 4.55 |
| 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 |
| Utah | Rainwalk | 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 Cockapoo 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 Cockapoo Pet Insurance Companies
Pumpkin offers the lowest-cost pet insurance for Cockapoos at $23 per month or $280 per year. Other affordable options include Pets Best, Lemonade, ASPCA and Figo.
| Pumpkin | $23 | $280 | 57% |
| Pets Best | $24 | $291 | 56% |
| Lemonade | $25 | $295 | 55% |
| ASPCA | $29 | $347 | 47% |
| Figo | $32 | $383 | 42% |
*Rates are based on a 6-year-old Cockapoo 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 Cockapoos
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
90% reimbursement rate option
Cheapest Cockapoo Pet Insurance by State
Pumpkin offers the most affordable Cockapoo insurance in 50 states across the U.S. 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 Cockapoo 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 Cockapoo Insurance Cost?
Monthly pet insurance premiums for Cockapoos range from $49 to $94 across the U.S., ranking as the 188th most expensive breed to insure. Your actual costs will vary based on your location, coverage choices and pet's specific needs.
| Alabama | $55 | $662 | -25% |
| Alaska | $72 | $868 | -1% |
| Arizona | $87 | $1,047 | 19% |
| Arkansas | $49 | $595 | -32% |
| California | $90 | $1,088 | 24% |
| Colorado | $91 | $1,099 | 25% |
| Connecticut | $83 | $1,004 | 15% |
| Delaware | $74 | $890 | 1% |
| Florida | $83 | $999 | 14% |
| Georgia | $65 | $780 | -11% |
| Hawaii | $74 | $897 | 2% |
| Idaho | $73 | $876 | -0% |
| Illinois | $89 | $1,075 | 23% |
| Indiana | $66 | $792 | -10% |
| Iowa | $60 | $727 | -17% |
| Kansas | $66 | $798 | -9% |
| Kentucky | $58 | $702 | -20% |
| Louisiana | $59 | $709 | -19% |
| Maine | $88 | $1,060 | 21% |
| Maryland | $76 | $915 | 4% |
| Massachusetts | $94 | $1,138 | 30% |
| Michigan | $73 | $883 | 1% |
| Minnesota | $75 | $899 | 3% |
| Mississippi | $63 | $757 | -14% |
| Missouri | $58 | $695 | -21% |
| Montana | $62 | $745 | -15% |
| Nebraska | $65 | $787 | -10% |
| Nevada | $74 | $895 | 2% |
| New Hampshire | $84 | $1,009 | 15% |
| New Jersey | $82 | $983 | 12% |
| New Mexico | $64 | $773 | -12% |
| New York | $80 | $959 | 9% |
| North Carolina | $66 | $794 | -9% |
| North Dakota | $56 | $678 | -23% |
| Ohio | $68 | $817 | -7% |
| Oklahoma | $61 | $735 | -16% |
| Oregon | $90 | $1,090 | 24% |
| Pennsylvania | $77 | $922 | 5% |
| Rhode Island | $64 | $776 | -12% |
| South Carolina | $70 | $849 | -3% |
| South Dakota | $65 | $787 | -10% |
| Tennessee | $67 | $809 | -8% |
| Texas | $75 | $905 | 3% |
| Utah | $71 | $851 | -3% |
| Vermont | $68 | $818 | -7% |
| Virginia | $79 | $958 | 9% |
| Washington | $84 | $1,015 | 16% |
| West Virginia | $63 | $754 | -14% |
| Wisconsin | $79 | $946 | 8% |
| Wyoming | $67 | $808 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Cockapoo. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Cockapoo Insurance Costs?
Ranking 188th among dog breeds for insurance costs, Cockapoos come with higher-than-average premiums of $73 per month, driven by several breed-specific health factors that insurers consider when setting rates.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Cockapoos can inherit specific health challenges from both parent breeds that insurers consider when determining coverage. Progressive retinal atrophy often requires specialized treatment and ongoing management. These dogs also frequently develop patellar luxation, hip dysplasia, and various eye conditions like glaucoma or cataracts, which can significantly increase lifetime veterinary expenses. Understanding your policy coverage for inherited conditions is essential for financial planning.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
Cockapoos typically range from small to medium size, which influences their medical care requirements. While smaller than many purebreds, their size still affects treatment costs through medication dosing and procedure complexity. Their mixed breeding can lead to varying adult sizes, impacting everything from dental work to diagnostic imaging expenses. Standard medical procedures often require specific equipment and recovery support tailored to their size.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $800 (Young) to $1,000 to $3,500 (Senior)
Cockapoos generally live 12 to 15 years, which is typical for mixed-breed dogs of their size. As they enter their senior years around age 7, the frequency of health issues tends to increase. Regular preventive care becomes more crucial, and conditions like dental disease or arthritis often require ongoing management. This naturally leads to higher veterinary expenses in their later years.
Behavioral and Activity Risks
Potential Vet Costs: $800 to $4,500
Cockapoos are energetic and social dogs with moderate exercise needs. Their playful nature and intelligence make them active participants in family activities, but this can lead to injuries during play or training. Common issues include sprains, dental injuries from chewing, and occasional stress-related conditions. Their generally friendly temperament helps keep liability risks lower than some other breeds.
Breeding-Related Issues
Potential Vet Costs: $1,500 to $8,000
The rising popularity of Cockapoos has led to increased breeding without proper health screening, resulting in more genetic health issues. Insurance providers now carefully evaluate breeding documentation when considering coverage. Selecting a puppy from parents with verified health clearances can significantly reduce your risk of facing expensive inherited conditions and insurance claim denials.
While Cockapoos share common breed traits, your pet's health needs are unique. Base your insurance choice on your dog's medical history and your budget. A conversation with your veterinarian can help identify specific health risks that matter for your Cockapoo.
INSURANCE RISK PREVENTION
Protect your Cockapoo's health by focusing on prevention and early detection. Choose breeders who perform genetic health screenings for hip dysplasia and eye conditions. Keep your pet at a healthy weight through measured portions and daily exercise. Regular dental cleaning prevents costly tooth problems, while weekly ear checks reduce infection risks. Schedule annual vet visits to catch issues early, and maintain grooming routines to spot potential health concerns.
How to Get the Best Cheap Cockapoo Pet Insurance
Smart comparison shopping can lower your Cockapoo's insurance costs with these proven steps.
- 1
Evaluate Your Coverage Requirements
Start by understanding what pet insurance coverage your Cockapoo needs based on common health issues and your budget. Consider factors like hereditary conditions and routine care costs when choosing between accident-only or comprehensive coverage.
- 2
Compare Insurance Companies
Get familiar with top pet insurance providers and their basic rates for Cockapoos. Look at customer reviews and policy features to find insurers with solid reputations and fair claim processes.
- 3
Review Policy Details
Examine waiting periods and coverage exclusions before committing to a policy. Request sample policies from your top choices to understand exactly what's covered and what's not.
- 4
Get Multiple Price Quotes
Request quotes from at least three different insurance providers. Small differences in coverage can lead to big differences in price, so compare similar plans side by side.
- 5
Check Rates Yearly
Mark your calendar to review your policy each year before renewal. Your Cockapoo's needs and insurance rates change over time, so comparing new quotes annually helps maintain affordable coverage.
Cockapoo Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Cockapoos, while Pumpkin offers the lowest monthly premiums. Compare both providers and other trusted options to find coverage matching your pet's health needs and budget. The right policy brings peace of mind and ensures your furry friend gets quality care when health issues arise.
Pet Insurance for Cockapoo: FAQ
Below are our expert answers to frequently asked questions about Cockapoo insurance:
What is the best pet insurance provider for Cockapoos overall?
AKC provides the best insurance for Cockapoos, offering comprehensive coverage and outstanding customer service with a 4.5/5 rating. Though premiums may be higher, their extensive coverage options make it a valuable investment for Cockapoo owners.
Who offers the cheapest pet insurance for Cockapoos?
Pumpkin Insurance offers the most affordable coverage for Cockapoos at $23 per month for standard coverage. Premiums will vary based on your location, pet's age, and other factors.
How much does Cockapoo insurance cost?
With a monthly premium of $73, Cockapoos rank as the 188th most expensive breed to insure. Monthly rates can vary significantly by location, ranging from $49 to $94 depending on your state.
What are the most common accident and illness risks for Cockapoos?
Cockapoos commonly face hip dysplasia (causing joint pain and limited mobility), progressive retinal atrophy (gradual vision loss leading to blindness) and patellar luxation (kneecap dislocation affecting movement). These health concerns are primarily linked to their mixed-breed genetic inheritance from Cocker Spaniel and Poodle parents.
How We Found the Best and Cheapest Cockapoo Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Cockapoos. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Cockapoos.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Cockapoo
- $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.