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: June 5, 2026
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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 cost of pet insurance for English Springer Spaniels is $104, making them the 100th most expensive dog breed to insure.
Best English Springer Spaniel 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.
Find the best pet insurance options for your English Springer Spaniel across different situations:
AKC
Best for English Springer Spaniels
MoneyGeek Rating
4.3/ 5
4.1/5Affordability
4.4/5Customer Experience
5/5Coverage Points
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 | 4.4 |
| California | AKC | 4.35 |
| Colorado | AKC | 4.35 |
| Connecticut | AKC | 4.35 |
| Delaware | AKC | 4.35 |
| Florida | AKC | 4.4 |
| Georgia | AKC | 4.3 |
| Hawaii | AKC | 4.35 |
| Idaho | AKC | 4.35 |
| Illinois | AKC | 4.35 |
| Illinois | Rainwalk | 4.35 |
| Indiana | AKC | 4.4 |
| Iowa | AKC | 4.35 |
| Kansas | AKC | 4.35 |
| Kentucky | AKC | 4.4 |
| Louisiana | AKC | 4.35 |
| Maine | AKC | 4.35 |
| Maryland | AKC | 4.3 |
| Massachusetts | AKC | 4.3 |
| Massachusetts | Rainwalk | 4.3 |
| Michigan | Rainwalk | 4.3 |
| Minnesota | AKC | 4.3 |
| Minnesota | Rainwalk | 4.3 |
| 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 | 4.3 |
| New Mexico | AKC | 4.4 |
| New York | AKC | 4.35 |
| North Carolina | AKC | 4.35 |
| North Dakota | AKC | 4.4 |
| Ohio | AKC | 4.3 |
| Oklahoma | AKC | 4.45 |
| Oregon | AKC | 4.35 |
| Pennsylvania | AKC | 4.35 |
| Rhode Island | AKC | 4.4 |
| South Carolina | AKC | 4.35 |
| South Dakota | AKC | 4.4 |
| Tennessee | AKC | 4.35 |
| Texas | AKC | 4.35 |
| Utah | AKC | 4.3 |
| Utah | Rainwalk | 4.3 |
| Vermont | AKC | 4.35 |
| Virginia | Rainwalk | 4.3 |
| Virginia | AKC | 4.3 |
| Washington | AKC | 4.45 |
| West Virginia | AKC | 4.35 |
| Wisconsin | AKC | 4.3 |
| Wyoming | AKC | 4.4 |
*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 Points
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. Knowing the health and lifestyle factors behind these costs helps owners find affordable coverage.
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. When getting pet insurance, choose coverage based on your dog's health history and budget. This includes your deductible, annual limit and reimbursement rate.
INSURANCE RISK PREVENTION
Keep your English Springer Spaniel at a healthy weight with measured portions and daily exercise. Schedule regular vet checkups, including hip, elbow and eye screenings to catch problems early. Clean and dry ears weekly to prevent infections, and brush teeth daily for dental health. Work with breeders who screen parent dogs for hip dysplasia and eye conditions. Regular grooming also helps prevent the skin problems this breed is prone to.
How to Get the Best Cheap English Springer Spaniel Pet Insurance
Finding affordable English Springer Spaniel insurance takes research and comparison shopping.
- 1Evaluate Your Coverage Needs
English Springer Spaniels are prone to hip dysplasia and eye problems, so pet insurance is worth it for this breed. Review coverage options to match your dog's needs and your budget.
- 2Compare Insurance Providers
Get familiar with top pet insurance companies and their base rates. Read customer reviews and check how quickly each company processes claims.
- 3Review Policy Details
Look closely at waiting periods and exclusions. Request a sample policy for your state and check the reimbursement terms for conditions common in this breed.
- 4Get Multiple Online Quotes
Collect quotes from several insurers. Prices can vary by hundreds of dollars for the same deductible, annual limit and reimbursement rate. Also check for discounts that can lower your premium.
- 5Check Rates Yearly
Set a reminder to review your policy before each renewal. Your dog's needs change with age, and a newer provider may offer better rates.
English Springer Spaniel Dog Insurance: Bottom Line
AKC is the best pet insurance provider for English Springer Spaniels, and Lemonade offers the lowest monthly premiums. Compare multiple providers to find coverage that fits your dog's health needs and budget.
Learn more about the best pet insurance providers for your English Springer Spaniel:
Pet Insurance for English Springer Spaniel: FAQ
What is the best pet insurance provider for English Springer Spaniels overall?
AKC offers the best pet insurance for English Springer Spaniels, with strong coverage options and high customer experience ratings. Premiums run above average, but its benefits and service record make it worth the cost for most owners.
Who offers the cheapest pet insurance for English Springer Spaniels?
Lemonade offers the most affordable pet insurance for English Springer Spaniels, with monthly premiums starting at $35 for standard coverage. Rates vary by location, your dog'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, averaging $104 per month. Premiums vary by state, running from $70 to $135 monthly.
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 common health concerns for this breed. Hip dysplasia causes joint pain and limits mobility, PRA gradually reduces vision and the breed's floppy ears trap moisture that leads to chronic infections. All three conditions have a genetic or physical component.
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 Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes for human buyers rather than search engines.
For questions about MoneyGeek's business and pet insurance content, contact him at connor@moneygeek.com or on LinkedIn.