AKC is the best pet insurance provider for Golden Retrievers due to its superior coverage options and strong customer satisfaction scores. Other top-rated options include Lemonade, Rainwalk and Pets Best.
Golden Retriever Insurance
Updated: September 1, 2025
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Key Takeaways
AKC is the best pet insurance company for Golden Retrievers, delivering strong coverage and service quality with competitive rates.
Lemonade offers the cheapest pet insurance rates for Golden Retrievers, with average rates of around $43 monthly for standard protection.
The average monthly premium for Golden Retrievers is $123, ranking them as the 56th most expensive dog breed to insure.
Best Golden Retriever Pet Insurance Companies
| AKC | 4.20 | $62 | 3 | 1 |
| Lemonade | 4.15 | $43 | 3 | 6 |
| Rainwalk | 4.15 | $61 | 1 | 4 |
| Pets Best | 4.10 | $48 | 5 | 2 |
| Spot | 3.85 | $60 | 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 Golden Retrievers
MoneyGeek Rating
4.2/ of 5
3.8/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$62Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Golden Retriever Pet Insurance by State
AKC leads Golden Retriever insurance in 47 states, making it the dominant provider nationwide. Rainwalk holds the second position, ranking best in 11 states, including Massachusetts, Illinois and Alabama.
| Alabama | Rainwalk | 4.20 |
| Alabama | AKC | 4.20 |
| Alaska | AKC | 4.20 |
| Alaska | Rainwalk | 4.20 |
| Arizona | AKC | 4.20 |
| Arkansas | AKC | 4.30 |
| California | AKC | 4.25 |
| Colorado | AKC | 4.25 |
| Connecticut | AKC | 4.25 |
| Delaware | AKC | 4.20 |
| Florida | AKC | 4.25 |
| Georgia | AKC | 4.20 |
| Hawaii | AKC | 4.25 |
| Idaho | AKC | 4.20 |
| Idaho | Rainwalk | 4.20 |
| Illinois | Rainwalk | 4.25 |
| Illinois | AKC | 4.25 |
| Indiana | AKC | 4.30 |
| Iowa | AKC | 4.20 |
| Kansas | Rainwalk | 4.20 |
| Kansas | AKC | 4.20 |
| Kentucky | AKC | 4.30 |
| Louisiana | AKC | 4.20 |
| Maine | AKC | 4.20 |
| Maine | Rainwalk | 4.20 |
| Maryland | AKC | 4.20 |
| Massachusetts | Rainwalk | 4.20 |
| Massachusetts | AKC | 4.20 |
| Michigan | Rainwalk | 4.20 |
| Minnesota | AKC | 4.20 |
| Minnesota | Rainwalk | 4.20 |
| Mississippi | AKC | 4.25 |
| Missouri | AKC | 4.25 |
| Montana | AKC | 4.25 |
| Nebraska | AKC | 4.20 |
| Nevada | AKC | 4.20 |
| New Hampshire | AKC | 4.20 |
| New Jersey | AKC | 4.20 |
| New Mexico | AKC | 4.30 |
| New York | AKC | 4.25 |
| North Carolina | AKC | 4.20 |
| North Dakota | AKC | 4.30 |
| Ohio | AKC | 4.20 |
| Oklahoma | AKC | 4.30 |
| Oregon | AKC | 4.25 |
| Pennsylvania | AKC | 4.25 |
| Rhode Island | AKC | 4.25 |
| South Carolina | AKC | 4.25 |
| South Dakota | AKC | 4.30 |
| Tennessee | AKC | 4.25 |
| Texas | AKC | 4.25 |
| Utah | Rainwalk | 4.20 |
| Vermont | AKC | 4.25 |
| Virginia | Rainwalk | 4.20 |
| Washington | AKC | 4.35 |
| West Virginia | AKC | 4.25 |
| Wisconsin | AKC | 4.15 |
| Wisconsin | Lemonade | 4.15 |
| Wyoming | AKC | 4.25 |
*Rates are based on a 6-year-old Golden Retriever 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 Golden Retriever Pet Insurance Companies
Lemonade offers the most affordable pet insurance for Golden Retrievers at $43 per month or $515 per year. Other budget-friendly options include Pumpkin, Pets Best, ASPCA and Figo.
| Lemonade | $43 | $515 | 21% |
| Pumpkin | $45 | $545 | 17% |
| Pets Best | $48 | $576 | 12% |
| ASPCA | $51 | $606 | 8% |
| Figo | $53 | $643 | 2% |
*Rates are based on a 6-year-old Golden Retriever 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 Golden Retrievers
MoneyGeek Rating
4.2/ of 5
4.3/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$43Overall Customer Sentiment
72% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical Therapy For New Accidents and Illness
Cheapest Golden Retriever Pet Insurance by State
Lemonade ranks as the most budget-friendly pet insurance provider for Golden Retrievers, offering the lowest rates in 50 states. Monthly premiums range from $29 to $55, depending on location.
| Alabama | Lemonade | $32 | 25% |
| Alaska | Lemonade | $42 | 23% |
| Arizona | Lemonade | $52 | 19% |
| Arkansas | Lemonade | $29 | 25% |
| California | Lemonade | $54 | 16% |
| Colorado | Lemonade | $54 | 20% |
| Connecticut | Lemonade | $49 | 21% |
| Delaware | Lemonade | $43 | 22% |
| Florida | Lemonade | $49 | 21% |
| Georgia | Lemonade | $39 | 20% |
| Hawaii | Lemonade | $43 | 23% |
| Idaho | Lemonade | $43 | 21% |
| Illinois | Lemonade | $53 | 19% |
| Indiana | Lemonade | $39 | 20% |
| Iowa | Lemonade | $36 | 23% |
| Kansas | Lemonade | $39 | 22% |
| Kentucky | Lemonade | $34 | 26% |
| Louisiana | Lemonade | $35 | 24% |
| Maine | Lemonade | $52 | 21% |
| Maryland | Lemonade | $42 | 28% |
| Massachusetts | Lemonade | $55 | 20% |
| Michigan | Lemonade | $43 | 22% |
| Minnesota | Lemonade | $45 | 20% |
| Mississippi | Lemonade | $37 | 23% |
| Missouri | Lemonade | $34 | 23% |
| Montana | Lemonade | $36 | 23% |
| Nebraska | Lemonade | $39 | 22% |
| Nevada | Lemonade | $45 | 21% |
| New Hampshire | Lemonade | $50 | 20% |
| New Jersey | Lemonade | $49 | 20% |
| New Mexico | Lemonade | $38 | 23% |
| New York | Lemonade | $47 | 21% |
| North Carolina | Lemonade | $38 | 24% |
| North Dakota | Lemonade | $33 | 23% |
| Ohio | Lemonade | $39 | 23% |
| Oklahoma | Lemonade | $36 | 23% |
| Oregon | Lemonade | $53 | 20% |
| Pennsylvania | Lemonade | $45 | 22% |
| Rhode Island | Lemonade | $37 | 23% |
| South Carolina | Lemonade | $42 | 17% |
| South Dakota | Lemonade | $38 | 24% |
| Tennessee | Lemonade | $40 | 21% |
| Texas | Lemonade | $45 | 19% |
| Utah | Lemonade | $41 | 23% |
| Vermont | Lemonade | $40 | 23% |
| Virginia | Lemonade | $46 | 23% |
| Washington | Lemonade | $49 | 24% |
| West Virginia | Lemonade | $37 | 21% |
| Wisconsin | Lemonade | $46 | 23% |
| Wyoming | Lemonade | $40 | 21% |
*Rates are based on a 6-year-old Golden Retriever 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 Golden Retriever Insurance Cost?
Monthly insurance premiums for Golden Retrievers range from $84 to $160 across the U.S., ranking as the 56th most expensive breed to insure. Your actual costs will vary based on coverage options and your pet's specific needs.
| Alabama | $93 | $1,117 | -24% |
| Alaska | $122 | $1,462 | -1% |
| Arizona | $147 | $1,765 | 19% |
| Arkansas | $84 | $1,003 | -32% |
| California | $153 | $1,834 | 24% |
| Colorado | $154 | $1,853 | 25% |
| Connecticut | $141 | $1,692 | 14% |
| Delaware | $125 | $1,500 | 1% |
| Florida | $140 | $1,685 | 14% |
| Georgia | $110 | $1,316 | -11% |
| Hawaii | $126 | $1,512 | 2% |
| Idaho | $123 | $1,477 | -0% |
| Illinois | $151 | $1,812 | 23% |
| Indiana | $111 | $1,336 | -10% |
| Iowa | $102 | $1,226 | -17% |
| Kansas | $112 | $1,346 | -9% |
| Kentucky | $99 | $1,185 | -20% |
| Louisiana | $100 | $1,196 | -19% |
| Maine | $149 | $1,786 | 21% |
| Maryland | $129 | $1,546 | 5% |
| Massachusetts | $160 | $1,919 | 30% |
| Michigan | $124 | $1,489 | 1% |
| Minnesota | $126 | $1,516 | 3% |
| Mississippi | $106 | $1,275 | -14% |
| Missouri | $98 | $1,173 | -21% |
| Montana | $105 | $1,256 | -15% |
| Nebraska | $111 | $1,327 | -10% |
| Nevada | $126 | $1,508 | 2% |
| New Hampshire | $142 | $1,700 | 15% |
| New Jersey | $138 | $1,656 | 12% |
| New Mexico | $109 | $1,303 | -12% |
| New York | $135 | $1,618 | 9% |
| North Carolina | $112 | $1,340 | -9% |
| North Dakota | $95 | $1,143 | -23% |
| Ohio | $115 | $1,378 | -7% |
| Oklahoma | $103 | $1,240 | -16% |
| Oregon | $153 | $1,838 | 24% |
| Pennsylvania | $130 | $1,555 | 5% |
| Rhode Island | $109 | $1,308 | -12% |
| South Carolina | $119 | $1,423 | -4% |
| South Dakota | $111 | $1,327 | -10% |
| Tennessee | $114 | $1,364 | -8% |
| Texas | $127 | $1,526 | 3% |
| Utah | $120 | $1,435 | -3% |
| Vermont | $115 | $1,378 | -7% |
| Virginia | $135 | $1,616 | 9% |
| Washington | $143 | $1,712 | 16% |
| West Virginia | $106 | $1,271 | -14% |
| Wisconsin | $133 | $1,596 | 8% |
| Wyoming | $113 | $1,361 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Golden Retriever. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect Golden Retriever Insurance Costs?
Golden Retrievers rank 56th in pet insurance costs, with premiums averaging $123 per month. Several breed-specific health factors drive these higher rates, but smart coverage choices can help keep insurance costs manageable.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Golden Retrievers face high-risk breed-specific conditions that drive insurance costs. Hip dysplasia often requires surgical correction, costing thousands. The breed is prone to progressive retinal atrophy, heart conditions and various cancers. Genetic predisposition to these serious health issues creates higher long-term veterinary expenses.
Size-Related Factors
Potential Vet Cost Increase: 40% to 60% higher vet costs
Large breed dogs weighing 55 to 75 pounds require higher medication and anesthesia doses than smaller dogs. Their size requires specialized equipment and longer procedure times. Recovery often requires extended care periods and support equipment like lifting harnesses or orthopedic beds.
Lifespan Considerations
Annual Vet Costs By Age: $700 to $1,500 (Young) to $2,000 to $3,500 (Senior)
Golden Retrievers live 10 to 12 years, developing age-related issues earlier than other breeds. Senior dogs frequently need intensive medical care, including regular blood work, medication management and treatments for chronic conditions.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Athletic Golden Retrievers face increased injury risk from swimming, retrieving and active play. Common injuries include ligament tears, sprains and impact injuries requiring veterinary care.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Widespread breeding practices prioritizing appearance over health have increased inherited conditions. Insurance providers may require genetic health screenings or limit coverage for hereditary issues. Warning: Most insurers won't cover pets aged 10 to 14 at enrollment.
While Golden Retrievers share common health risks, your dog's unique health history and lifestyle should guide your insurance decision. Consider your budget and care preferences, and talk with your veterinarian about specific health factors.
INSURANCE RISK PREVENTION
Protecting your Golden Retriever's health starts with maintaining a healthy weight through measured portions and daily exercise. Choose a breeder who performs genetic health screenings for hip dysplasia and heart conditions. Regular vet checkups catch issues early, while dental cleaning prevents costly tooth problems. Feed your dog from elevated bowls to reduce neck strain, and wait an hour after meals before exercise to prevent bloat. These simple steps help avoid expensive medical issues later.
How to Get the Best Cheap Golden Retriever Pet Insurance
Smart comparison shopping and knowing key discounts can reduce Golden Retriever insurance costs significantly.
- 1
Evaluate Your Coverage Needs
Golden Retrievers have specific health risks like hip dysplasia and heart issues that can lead to expensive vet bills. Review different pet insurance coverage options to find what matches your budget and your dog's needs.
- 2
Compare Insurance Providers
Compare average costs from multiple pet insurance companies. Look at customer reviews and check how quickly they process claims.
- 3
Understand Policy Limitations
Most pet insurance plans have waiting periods before coverage starts. Check for breed-specific exclusions and pre-existing condition rules in the policy details.
- 4
Get Multiple Online Quotes
Request quotes from at least three different insurance providers. Prices can vary by hundreds of dollars for the same coverage level.
- 5
Review Coverage Annually
Pet insurance rates often change at renewal time. Compare new quotes each year and adjust your coverage based on your Golden Retriever's current health needs.
Golden Retriever Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Golden Retrievers, while Lemonade offers the lowest monthly premiums. We recommend comparing both providers, along with other trusted options, to find coverage that matches your pet's needs and your budget. A well-chosen policy ensures your Golden Retriever gets quality care when health issues arise.
Pet Insurance for Golden Retriever: FAQ
Below are our expert answers to frequently asked questions about Golden Retriever insurance:
What is the best pet insurance provider for Golden Retrievers overall?
AKC provides the best insurance for Golden Retrievers, offering comprehensive coverage and exceptional customer experience. Despite higher-than-average premiums, their extensive benefits and strong coverage options deliver valuable protection for your pet.
Who offers the cheapest pet insurance for Golden Retrievers?
Lemonade provides the most affordable pet insurance for Golden Retrievers, with monthly premiums starting at $43 for standard coverage. Note that actual rates will vary depending on your location and pet's specific circumstances.
How much does Golden Retriever insurance cost?
Golden Retrievers rank as the 56th most expensive breed to insure, with an average monthly premium of $123. Monthly rates across states vary significantly, ranging from $84 to $160.
What are the most common accident and illness risks for Golden Retrievers?
Golden Retrievers commonly face hip dysplasia (joint deterioration causing mobility issues), cancer (particularly hemangiosarcoma and lymphoma), and heart problems like subvalvular aortic stenosis. These health conditions are largely influenced by the breed's genetic predisposition and large-frame body structure.
How We Found the Best and Cheapest Golden Retriever Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Golden Retrievers. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Golden Retrievers.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Golden Retriever
- $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.