AKC is the best pet insurance provider for Goldendoodles due to its excellent coverage options and strong customer satisfaction ratings. Other top-rated options are Rainwalk, Pets Best and Lemonade.
Goldendoodle Insurance
Updated: September 1, 2025
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Key Takeaways
AKC is the best pet insurance company for Goldendoodles, delivering strong coverage and service quality.
Pets Best offers the cheapest pet insurance rates for Goldendoodles, with an average monthly rate of around $31 for standard protection.
Pet insurance for Goldendoodles costs $91 per month on average, making them the 145th most expensive dog breed to insure.
Best Goldendoodle Pet Insurance Companies
| AKC | 4.40 | $46 | 3 | 1 |
| Rainwalk | 4.35 | $45 | 1 | 4 |
| Pets Best | 4.30 | $31 | 5 | 2 |
| Lemonade | 4.25 | $32 | 3 | 6 |
| Spot | 4.05 | $44 | 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 Pet Insurance for Goldendoodle
MoneyGeek Rating
4.4/ 5
4.2/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$46Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Curable pre-existing conditions coverage
Best Goldendoodle Pet Insurance by State
AKC leads nationwide as the top Goldendoodle insurance provider, ranking first in all 50 states. Rainwalk follows as a strong alternative, earning the highest rating in 11 states across the country.
| Alabama | AKC | 4.40 |
| Alabama | Rainwalk | 4.40 |
| Alaska | AKC | 4.40 |
| Alaska | Rainwalk | 4.40 |
| Arizona | AKC | 4.40 |
| Arkansas | AKC | 4.50 |
| California | AKC | 4.45 |
| Colorado | AKC | 4.45 |
| Connecticut | AKC | 4.45 |
| Delaware | AKC | 4.40 |
| Florida | AKC | 4.45 |
| Georgia | AKC | 4.40 |
| Hawaii | AKC | 4.45 |
| Idaho | AKC | 4.40 |
| Idaho | Rainwalk | 4.40 |
| Illinois | Rainwalk | 4.45 |
| Illinois | AKC | 4.45 |
| Indiana | AKC | 4.45 |
| Iowa | AKC | 4.40 |
| Kansas | AKC | 4.40 |
| Kansas | Rainwalk | 4.40 |
| Kentucky | AKC | 4.45 |
| Louisiana | AKC | 4.40 |
| Maine | AKC | 4.40 |
| Maine | Rainwalk | 4.40 |
| Maryland | AKC | 4.40 |
| Massachusetts | AKC | 4.40 |
| Massachusetts | Rainwalk | 4.40 |
| Michigan | Rainwalk | 4.35 |
| Michigan | AKC | 4.35 |
| Minnesota | AKC | 4.40 |
| Minnesota | Rainwalk | 4.40 |
| Mississippi | AKC | 4.45 |
| Missouri | AKC | 4.45 |
| Montana | AKC | 4.45 |
| Nebraska | AKC | 4.40 |
| Nevada | AKC | 4.40 |
| New Hampshire | AKC | 4.40 |
| New Jersey | AKC | 4.40 |
| New Mexico | AKC | 4.50 |
| New York | AKC | 4.45 |
| North Carolina | AKC | 4.40 |
| North Dakota | AKC | 4.50 |
| Ohio | AKC | 4.40 |
| Oklahoma | AKC | 4.50 |
| Oregon | AKC | 4.45 |
| Pennsylvania | AKC | 4.45 |
| Rhode Island | AKC | 4.45 |
| South Carolina | AKC | 4.45 |
| South Dakota | AKC | 4.50 |
| Tennessee | AKC | 4.45 |
| Texas | AKC | 4.45 |
| Utah | Rainwalk | 4.40 |
| Utah | AKC | 4.40 |
| Vermont | AKC | 4.45 |
| Virginia | Rainwalk | 4.40 |
| Virginia | AKC | 4.40 |
| Washington | AKC | 4.50 |
| West Virginia | AKC | 4.45 |
| Wisconsin | AKC | 4.40 |
| Wyoming | AKC | 4.45 |
*Rates are based on a 6-year-old Goldendoodle 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 Goldendoodle Pet Insurance Companies
Pets Best offers the lowest-priced pet insurance for Goldendoodles at $31 per month or $366 per year. Other affordable options include Pumpkin, Lemonade, ASPCA and Figo.
| Pets Best | $31 | $366 | 44% |
| Pumpkin | $32 | $377 | 43% |
| Lemonade | $32 | $378 | 42% |
| ASPCA | $37 | $442 | 33% |
| Figo | $39 | $475 | 28% |
*Rates are based on a 6-year-old Goldendoodle with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pets Best
Cheapest Pet Insurance for Goldendoodle
MoneyGeek Rating
4.3/ 5
4.6/5Affordability
4/5Customer Experience
4/5Coverage Options
Average Monthly Rate
$31Overall Customer Sentiment
70% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Direct vet payment option
Cheapest Goldendoodle Pet Insurance by State
Pets Best offers the most affordable Goldendoodle insurance nationwide, ranking lowest in all 50 states. Monthly premiums range from $21 to $39, depending on location.
| Alabama | Pets Best | $23 | 47% |
| Alaska | Pets Best | $30 | 45% |
| Arizona | Pets Best | $37 | 42% |
| Arkansas | Pets Best | $21 | 47% |
| California | Pets Best | $39 | 40% |
| Colorado | Pets Best | $39 | 43% |
| Connecticut | Pets Best | $35 | 44% |
| Delaware | Pets Best | $31 | 45% |
| Florida | Pets Best | $35 | 44% |
| Georgia | Pets Best | $28 | 43% |
| Hawaii | Pets Best | $31 | 45% |
| Idaho | Pets Best | $31 | 44% |
| Illinois | Pets Best | $38 | 42% |
| Indiana | Pets Best | $28 | 43% |
| Iowa | Pets Best | $26 | 45% |
| Kansas | Pets Best | $28 | 45% |
| Kentucky | Pets Best | $24 | 47% |
| Louisiana | Pets Best | $25 | 46% |
| Maine | Pets Best | $37 | 44% |
| Maryland | Pets Best | $30 | 49% |
| Massachusetts | Pets Best | $39 | 43% |
| Michigan | Pets Best | $31 | 44% |
| Minnesota | Pets Best | $32 | 43% |
| Mississippi | Pets Best | $26 | 45% |
| Missouri | Pets Best | $24 | 45% |
| Montana | Pets Best | $26 | 45% |
| Nebraska | Pets Best | $28 | 45% |
| Nevada | Pets Best | $32 | 43% |
| New Hampshire | Pets Best | $36 | 43% |
| New Jersey | Pets Best | $35 | 43% |
| New Mexico | Pets Best | $27 | 45% |
| New York | Pets Best | $33 | 44% |
| North Carolina | Pets Best | $27 | 46% |
| North Dakota | Pets Best | $24 | 45% |
| Ohio | Pets Best | $28 | 45% |
| Oklahoma | Pets Best | $26 | 45% |
| Oregon | Pets Best | $38 | 43% |
| Pennsylvania | Pets Best | $32 | 45% |
| Rhode Island | Pets Best | $27 | 45% |
| South Carolina | Pets Best | $29 | 43% |
| South Dakota | Pets Best | $27 | 46% |
| Tennessee | Pets Best | $28 | 44% |
| Texas | Pets Best | $32 | 43% |
| Utah | Pets Best | $29 | 45% |
| Vermont | Pets Best | $28 | 45% |
| Virginia | Pets Best | $33 | 45% |
| Washington | Pets Best | $35 | 46% |
| West Virginia | Pets Best | $26 | 44% |
| Wisconsin | Pets Best | $33 | 45% |
| Wyoming | Pets Best | $28 | 44% |
*Rates are based on a 6-year-old Goldendoodle 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 Goldendoodle Insurance Cost?
Monthly insurance premiums for Goldendoodles range from $62 to $118 across the United States. They rank as the 145th most expensive dog breed to insure, with a national average premium of $91. Your actual costs will vary based on your location and chosen coverage options.
| Alabama | $69 | $822 | -24% |
| Alaska | $90 | $1,076 | -1% |
| Arizona | $108 | $1,299 | 19% |
| Arkansas | $62 | $739 | -32% |
| California | $113 | $1,350 | 24% |
| Colorado | $114 | $1,364 | 25% |
| Connecticut | $104 | $1,245 | 14% |
| Delaware | $92 | $1,104 | 1% |
| Florida | $104 | $1,241 | 14% |
| Georgia | $81 | $969 | -11% |
| Hawaii | $93 | $1,114 | 2% |
| Idaho | $91 | $1,087 | -0% |
| Illinois | $111 | $1,334 | 23% |
| Indiana | $82 | $984 | -10% |
| Iowa | $75 | $903 | -17% |
| Kansas | $83 | $991 | -9% |
| Kentucky | $73 | $872 | -20% |
| Louisiana | $74 | $881 | -19% |
| Maine | $110 | $1,315 | 21% |
| Maryland | $95 | $1,138 | 5% |
| Massachusetts | $118 | $1,413 | 30% |
| Michigan | $92 | $1,097 | 1% |
| Minnesota | $93 | $1,117 | 3% |
| Mississippi | $78 | $939 | -14% |
| Missouri | $72 | $863 | -21% |
| Montana | $77 | $925 | -15% |
| Nebraska | $82 | $977 | -10% |
| Nevada | $93 | $1,111 | 2% |
| New Hampshire | $104 | $1,251 | 15% |
| New Jersey | $102 | $1,219 | 12% |
| New Mexico | $80 | $960 | -12% |
| New York | $99 | $1,192 | 9% |
| North Carolina | $82 | $987 | -9% |
| North Dakota | $70 | $841 | -23% |
| Ohio | $85 | $1,015 | -7% |
| Oklahoma | $76 | $913 | -16% |
| Oregon | $113 | $1,353 | 24% |
| Pennsylvania | $96 | $1,145 | 5% |
| Rhode Island | $80 | $963 | -12% |
| South Carolina | $87 | $1,045 | -4% |
| South Dakota | $82 | $978 | -10% |
| Tennessee | $84 | $1,004 | -8% |
| Texas | $94 | $1,124 | 3% |
| Utah | $88 | $1,057 | -3% |
| Vermont | $85 | $1,014 | -7% |
| Virginia | $99 | $1,190 | 9% |
| Washington | $105 | $1,261 | 16% |
| West Virginia | $78 | $935 | -14% |
| Wisconsin | $98 | $1,176 | 8% |
| Wyoming | $84 | $1,002 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Goldendoodle. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect Goldendoodle Insurance Costs?
Goldendoodles rank 145th in pet insurance costs, reflecting breed-specific health factors that drive up premiums. These dogs inherit conditions from both the Golden Retriever and the Poodle lineages, creating multiple risk factors for insurers.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Goldendoodles can inherit health conditions from both parent breeds. Hip dysplasia occurs commonly and often requires costly corrective surgery. Progressive retinal atrophy, von Willebrand's disease and various skin conditions create lifetime veterinary expenses that insurers factor into premium calculations.
Size-Related Factors
Potential Vet Cost Increase: 30% to 50% higher vet costs
Standard Goldendoodles commonly weigh 50 to 90 pounds, placing them in higher-cost treatment categories. Large dogs require bigger medication doses and more extensive anesthesia during procedures. Post-surgery care involves specialized equipment like large recovery crates and mobility assistance devices.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $800 (Young) to $1,000 to $3,500 (Senior)
Goldendoodles live 10 to 15 years, average for their size range. These dogs enter senior years around age 7, developing age-related conditions requiring frequent veterinary care. Regular health screenings and chronic condition management increase annual medical expenses in later life.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Goldendoodles are energetic dogs requiring regular exercise. Athletic activities like swimming and running increase sports-related injury risks, including cruciate ligament tears and muscle strains. Their size and exuberance can lead to accidental injury-related claims.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Goldendoodle's popularity has increased genetic health issues caused by inadequate breeding practices. Insurance providers evaluate breeding documentation, as poorly bred dogs develop costly hereditary conditions. Puppies from health-tested parents with genetic screening reduce future medical expenses.
Goldendoodle insurance costs depend on your dog's health history and breeding background. Veterinarians can identify potential health risks for your dog.
INSURANCE RISK PREVENTION
Protect your Goldendoodle's health with regular grooming, including ear cleaning to prevent infections. Keep your dog at a healthy weight through proper diet and exercise to reduce joint problems. Schedule routine vet checkups for early detection of eye conditions and dental issues. Choose health-tested breeding lines when getting a puppy to minimize inherited health risks.
How to Get the Best Cheap Goldendoodle Pet Insurance
With smart comparison shopping and a few insider tips, you'll find affordable Goldendoodle insurance.
- 1
Evaluate Your Coverage Needs
Start by understanding what kind of protection your Goldendoodle needs based on age, health history, and your budget. Learn more about different types of pet insurance coverage to make an informed choice.
- 2
Compare Insurance Providers
Research different insurance companies that offer pet coverage in your area. Look at customer reviews, claim processing times, and coverage limits to find reliable providers.
- 3
Review Policy Details
Check waiting periods and coverage exclusions before signing up. Ask for a sample policy document to understand exactly what conditions are covered and when coverage begins.
- 4
Get Multiple Price Quotes
Request quotes from at least three different insurance providers. Prices can vary by hundreds of dollars for the same coverage, so comparing multiple options is worth your time.
- 5
Review Coverage Annually
Mark your calendar to check rates and coverage each year before renewal. Your pet's needs change over time, and new, cheaper options may become available.
Goldendoodle Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Goldendoodles, while Pets Best offers the lowest monthly premiums. Both companies maintain strong coverage ratings and customer satisfaction scores. Compare these providers, along with other trusted options, to find the plan that matches your pet's needs and your budget. The right policy brings peace of mind and reliable coverage when health issues arise.
Pet Insurance for Goldendoodle: FAQ
Below are our expert answers to frequently asked questions about Goldendoodle insurance:
What is the best pet insurance provider for Goldendoodles overall?
AKC offers the best pet insurance for Goldendoodles, delivering comprehensive coverage and exceptional customer service. Despite being priced higher than some alternatives, their extensive benefits and specialized coverage make them a valuable choice for Goldendoodle owners.
Who offers the cheapest pet insurance for Goldendoodles?
Pets Best provides the most affordable pet insurance for Goldendoodles, with premiums starting at $31 monthly for standard coverage. Note that actual rates will vary depending on your location and pet's specific circumstances.
How much does Goldendoodle insurance cost?
With a monthly premium of $91, Goldendoodles rank as the 145th most expensive breed to insure. Monthly rates can vary significantly by location, ranging from $62 to $118 depending on your state.
What are the most common accident and illness risks for Goldendoodles?
Hip dysplasia, bloat, and progressive retinal atrophy (PRA) are the most prevalent health concerns for Goldendoodles. Hip dysplasia causes joint pain and mobility issues, bloat is a life-threatening stomach condition requiring immediate surgery, and PRA gradually leads to vision loss. These conditions are primarily linked to the breed's genetic inheritance from Golden Retriever and Poodle parents.
How We Found the Best and Cheapest Goldendoodle Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Goldendoodles. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Goldendoodles.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Goldendoodle
- $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.