AKC is the best pet insurance company for English Springer Spaniels due to its strong customer service and comprehensive coverage options. Other top providers include Lemonade, Rainwalk and Pets Best.
English Springer Spaniel Insurance
Updated: September 4, 2025
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Key Takeaways
AKC is the best pet insurance company for English Springer Spaniels, offering comprehensive coverage and reliable service.
Lemonade provides the cheapest pet insurance rates for English Springer Spaniels, with average rates of around $35 monthly for standard protection.
The average monthly premium for English Springer Spaniels is $104, making them the 100th most expensive dog breed to insure.
Best English Springer Spaniel Pet Insurance Companies
| AKC | 4.35 | $52 | 3 | 1 |
| Lemonade | 4.25 | $35 | 3 | 6 |
| Rainwalk | 4.25 | $52 | 1 | 4 |
| Pets Best | 4.20 | $37 | 5 | 2 |
| Spot | 3.95 | $50 | 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 English Springer Spaniels
MoneyGeek Rating
4.3/ 5
4.1/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$52Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers curable pre-existing conditions
Best English Springer Spaniel Pet Insurance by State
AKC leads pet insurance for English Springer Spaniels in 49 states nationwide. Rainwalk ranks highest in six states, including Illinois, Massachusetts and Michigan.
| Alabama | AKC | 4.35 |
| Alaska | AKC | 4.35 |
| Arizona | AKC | 4.35 |
| Arkansas | AKC | 4.40 |
| California | AKC | 4.35 |
| Colorado | AKC | 4.35 |
| Connecticut | AKC | 4.35 |
| Delaware | AKC | 4.35 |
| Florida | AKC | 4.40 |
| Georgia | AKC | 4.30 |
| 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 |
| 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 | 4.30 |
| Minnesota | Rainwalk | 4.30 |
| Mississippi | AKC | 4.35 |
| Missouri | AKC | 4.35 |
| Montana | AKC | 4.35 |
| Nebraska | AKC | 4.35 |
| Nevada | AKC | 4.35 |
| New Hampshire | AKC | 4.35 |
| New Jersey | AKC | 4.30 |
| New Mexico | AKC | 4.40 |
| New York | AKC | 4.35 |
| North Carolina | AKC | 4.35 |
| North Dakota | AKC | 4.40 |
| Ohio | AKC | 4.30 |
| Oklahoma | AKC | 4.45 |
| Oregon | AKC | 4.35 |
| Pennsylvania | AKC | 4.35 |
| Rhode Island | AKC | 4.40 |
| South Carolina | AKC | 4.35 |
| 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 English Springer 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 English Springer Spaniel Pet Insurance Companies
Lemonade offers the lowest-priced pet insurance for English Springer Spaniels at $35 per month or $421 annually. Other affordable providers include Pumpkin, Pets Best, ASPCA and Figo.
| Lemonade | $35 | $421 | 36% |
| Pets Best | $37 | $443 | 32% |
| Pumpkin | $37 | $447 | 32% |
| ASPCA | $42 | $509 | 22% |
| Figo | $46 | $558 | 15% |
*Rates are based on a 6-year-old English Springer 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 English Springer Spaniels
MoneyGeek Rating
4.3/ 5
4.5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$35Overall Customer Sentiment
72% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical Therapy For New Accidents and Illness
Cheapest English Springer Spaniel Pet Insurance by State
Lemonade ranks as the most budget-friendly pet insurance provider for English Springer Spaniels in all 50 states. Monthly premiums range from $24 to $45, depending on your location.
| Alabama | Lemonade | $26 | 39% |
| Alaska | Lemonade | $34 | 37% |
| Arizona | Lemonade | $43 | 34% |
| Arkansas | Lemonade | $24 | 39% |
| California | Lemonade | $44 | 32% |
| Colorado | Lemonade | $44 | 35% |
| Connecticut | Lemonade | $40 | 35% |
| Delaware | Lemonade | $35 | 37% |
| Florida | Lemonade | $40 | 35% |
| Georgia | Lemonade | $32 | 35% |
| Hawaii | Lemonade | $35 | 37% |
| Idaho | Lemonade | $35 | 35% |
| Illinois | Lemonade | $43 | 34% |
| Indiana | Lemonade | $32 | 35% |
| Iowa | Lemonade | $29 | 37% |
| Kansas | Lemonade | $32 | 36% |
| Kentucky | Lemonade | $28 | 39% |
| Louisiana | Lemonade | $28 | 38% |
| Maine | Lemonade | $43 | 36% |
| Maryland | Lemonade | $34 | 41% |
| Massachusetts | Lemonade | $45 | 34% |
| Michigan | Lemonade | $35 | 36% |
| Minnesota | Lemonade | $36 | 35% |
| Mississippi | Lemonade | $30 | 37% |
| Missouri | Lemonade | $28 | 37% |
| Montana | Lemonade | $29 | 37% |
| Nebraska | Lemonade | $32 | 36% |
| Nevada | Lemonade | $36 | 35% |
| New Hampshire | Lemonade | $41 | 34% |
| New Jersey | Lemonade | $40 | 34% |
| New Mexico | Lemonade | $31 | 37% |
| New York | Lemonade | $38 | 35% |
| North Carolina | Lemonade | $31 | 38% |
| North Dakota | Lemonade | $27 | 37% |
| Ohio | Lemonade | $32 | 37% |
| Oklahoma | Lemonade | $29 | 37% |
| Oregon | Lemonade | $44 | 34% |
| Pennsylvania | Lemonade | $37 | 36% |
| Rhode Island | Lemonade | $31 | 37% |
| South Carolina | Lemonade | $34 | 34% |
| South Dakota | Lemonade | $31 | 38% |
| Tennessee | Lemonade | $32 | 35% |
| Texas | Lemonade | $37 | 34% |
| Utah | Lemonade | $33 | 37% |
| Vermont | Lemonade | $33 | 37% |
| Virginia | Lemonade | $37 | 37% |
| Washington | Lemonade | $40 | 38% |
| West Virginia | Lemonade | $30 | 36% |
| Wisconsin | Lemonade | $38 | 37% |
| Wyoming | Lemonade | $33 | 35% |
*Rates are based on a 6-year-old English Springer 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 English Springer Spaniel Insurance Cost?
Monthly insurance premiums for English Springer Spaniels range from $70 to $135 across the U.S., ranking as the 100th most expensive breed to insure. Your costs vary based on your location and chosen coverage options.
| Alabama | $78 | $942 | -24% |
| Alaska | $103 | $1,232 | -1% |
| Arizona | $124 | $1,488 | 19% |
| Arkansas | $70 | $846 | -32% |
| California | $129 | $1,546 | 24% |
| Colorado | $130 | $1,562 | 25% |
| Connecticut | $119 | $1,426 | 14% |
| Delaware | $105 | $1,264 | 1% |
| Florida | $118 | $1,420 | 14% |
| Georgia | $92 | $1,109 | -11% |
| Hawaii | $106 | $1,275 | 2% |
| Idaho | $104 | $1,245 | -0% |
| Illinois | $127 | $1,528 | 23% |
| Indiana | $94 | $1,126 | -10% |
| Iowa | $86 | $1,034 | -17% |
| Kansas | $95 | $1,135 | -9% |
| Kentucky | $83 | $999 | -20% |
| Louisiana | $84 | $1,009 | -19% |
| Maine | $125 | $1,506 | 21% |
| Maryland | $109 | $1,303 | 5% |
| Massachusetts | $135 | $1,618 | 30% |
| Michigan | $105 | $1,256 | 1% |
| Minnesota | $106 | $1,279 | 3% |
| Mississippi | $89 | $1,075 | -14% |
| Missouri | $82 | $989 | -21% |
| Montana | $88 | $1,059 | -15% |
| Nebraska | $93 | $1,119 | -10% |
| Nevada | $106 | $1,272 | 2% |
| New Hampshire | $119 | $1,433 | 15% |
| New Jersey | $116 | $1,395 | 12% |
| New Mexico | $92 | $1,099 | -12% |
| New York | $114 | $1,364 | 9% |
| North Carolina | $94 | $1,130 | -9% |
| North Dakota | $80 | $964 | -23% |
| Ohio | $97 | $1,162 | -7% |
| Oklahoma | $87 | $1,045 | -16% |
| Oregon | $129 | $1,550 | 24% |
| Pennsylvania | $109 | $1,311 | 5% |
| Rhode Island | $92 | $1,103 | -12% |
| South Carolina | $100 | $1,197 | -4% |
| South Dakota | $93 | $1,119 | -10% |
| Tennessee | $96 | $1,150 | -8% |
| Texas | $107 | $1,287 | 3% |
| Utah | $101 | $1,210 | -3% |
| Vermont | $97 | $1,162 | -7% |
| Virginia | $113 | $1,363 | 9% |
| Washington | $120 | $1,444 | 16% |
| West Virginia | $89 | $1,071 | -14% |
| Wisconsin | $112 | $1,346 | 8% |
| Wyoming | $95 | $1,147 | -8% |
*The rates include all coverage selections on the market for a 6-year-old English Springer Spaniel. Your rates will differ based on your pet's specific profile and location.
What Factors Affect English Springer Spaniel Insurance Costs?
English Springer Spaniels rank among the top 100 most expensive dog breeds to insure, with monthly premiums averaging $104. Understanding health and lifestyle factors behind these costs helps owners find affordable coverage options.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
English Springer Spaniels face breed-specific health challenges that insurers consider high-risk. Hip dysplasia requires costly surgical intervention. These dogs are also prone to progressive retinal atrophy (PRA), ear infections and phosphofructokinase deficiency (PFK), which can increase lifetime veterinary expenses.
Size-Related Factors
Potential Vet Cost Increase: 30% to 45% higher vet costs
English Springer Spaniels are medium-sized sporting dogs requiring moderate medication doses and standard surgical equipment. Their athletic build and activity level can increase wear on joints and muscles. Recovery from procedures often requires specialized support equipment and more extended rehabilitation periods, particularly for orthopedic conditions.
Lifespan Considerations
Annual Vet Costs By Age: $300 to $700 (Young) to $1,200 to $3,500 (Senior)
English Springer Spaniels live 10 to 14 years, average for their size. They become more susceptible to chronic conditions requiring ongoing management as they age. Senior dogs need more veterinary visits, specialized diagnostics and treatments for age-related issues like arthritis or vision problems.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $4,500
Bred as hunting dogs, English Springer Spaniels maintain high energy levels and strong prey drives. Their athletic nature and enthusiasm for outdoor activities increase their risk of sprains, torn ligaments and exercise-related injuries. Their working dog background can also influence coverage options, particularly regarding liability protection.
Breeding-Related Issues
Potential Vet Costs: $2,000 to $8,000
Inconsistent breeding practices have increased genetic health issues in English Springer Spaniels. Insurers often consider breeding history when determining coverage terms and exclusions. Selecting puppies with proper breeding documentation from health-tested parents can reduce future medical expenses and improve insurance eligibility.
Your English Springer Spaniel has unique health needs that may differ from breed averages. Choose insurance coverage based on your dog's health history and budget.
INSURANCE RISK PREVENTION
Maintain your English Springer Spaniel's weight through measured portions and daily exercise. Schedule regular veterinary checkups, including hip, elbow and eye screenings for early issue detection. Clean and dry ears weekly to prevent infections, and brush teeth daily for dental health. Choose breeders who test parent dogs for hip dysplasia and eye conditions. Consistent grooming routines help prevent skin problems common to English Springer Spaniels.
How to Get the Best Cheap English Springer Spaniel Pet Insurance
Affordable English Springer Spaniel insurance requires research and comparison shopping.
- 1
Evaluate Your Coverage Needs
English Springer Spaniels can face specific health issues like hip dysplasia and eye problems. Review different pet insurance coverage options to match your dog's needs and your budget.
- 2
Compare Insurance Providers
Get familiar with top pet insurance companies and their basic rates. Look at customer reviews and check how quickly they process claims.
- 3
Review Policy Details
Look closely at waiting periods and what conditions aren't covered. Ask for a sample policy specific to your state to avoid surprises later.
- 4
Get Multiple Online Quotes
Take time to collect quotes from several insurance providers. Prices can vary by hundreds of dollars for the same coverage level.
- 5
Check Rates Yearly
Mark your calendar to review your policy each year before renewal. Your dog's needs change with age, and new providers might offer better rates.
English Springer Spaniel Dog Insurance: Bottom Line
AKC is the best pet insurance provider for English Springer Spaniels, while Lemonade offers the lowest monthly premiums. Compare multiple providers to find coverage that matches your pet's health needs and budget. The right policy ensures quality care when health issues arise.
Pet Insurance for English Springer Spaniel: FAQ
Below are our expert answers to frequently asked questions about English Springer Spaniel insurance:
What is the best pet insurance provider for English Springer Spaniels overall?
AKC offers the best insurance for English Springer Spaniels, featuring comprehensive coverage and exceptional customer experience ratings. Though premiums may be higher than average, their extensive benefits and reliable service justify the investment.
Who offers the cheapest pet insurance for English Springer Spaniels?
Lemonade provides the most affordable pet insurance for English Springer Spaniels, with monthly premiums starting at $35 for standard coverage. Actual rates may vary depending on your location, pet's age, and other factors.
How much does English Springer Spaniel insurance cost?
English Springer Spaniels rank as the 100th most expensive breed to insure at $104 per month. Monthly premiums vary significantly across states, ranging from $70 to $135.
What are the most common accident and illness risks for English Springer Spaniels?
Hip dysplasia, progressive retinal atrophy (PRA), and ear infections are the most prevalent health concerns for English Springer Spaniels. Hip dysplasia causes joint pain and mobility issues, PRA leads to gradual vision loss, and chronic ear infections result from their floppy ears trapping moisture. These conditions are largely linked to the breed's genetic predisposition and physical characteristics.
How We Found the Best and Cheapest English Springer 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 English Springer 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 English Springer Spaniels.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old English Springer 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.