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: December 4, 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 accident and illness coverage.
Pet insurance costs $91 per month on average for Goldendoodles, making them the 145th most expensive dog breed to insure.
Best Goldendoodle 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 for your Goldendoodle:
AKC
Best Pet Insurance for Goldendoodle
MoneyGeek Rating
4.4/ 5
4.2/5Affordability
4.4/5Customer Experience
5/5Coverage Points
Average Monthly Rate
$46Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Unique 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 Points
Average Monthly Rate
$31Overall Customer Sentiment
70% positiveMaximum Annual Limit
UnlimitedUnique Coverage Inclusion or Add-on
Direct vet payment option
Cheapest Goldendoodle Pet Insurance by State
Pets Best ranks as the most affordable Goldendoodle insurance in all 50 states. Monthly premiums range from $21 to $39 depending on where you live.
| 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 Golden Retrievers and Poodles, 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 is common 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, which is 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 injury claims.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
The Goldendoodle's popularity has led to more 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 have lower 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. Maintain your dog at a healthy weight through proper diet and regular exercise to minimize 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
Finding affordable pet insurance for your Goldendoodle is simple when you shop around and use these insider tips.
- 1Evaluate Your Coverage Needs
Know whether pet insurance is worth it for your Goldendoodle and what kind of coverage your pet needs based on age, health history and your budget.
- 2Compare Insurance Providers
Research different insurance companies that offer pet coverage in your area. Review customer reviews, claim processing times and coverage options, such as deductibles, to find reliable providers.
- 3Review Policy Details
Check waiting periods and coverage exclusions before signing up. Request a sample policy document to understand the conditions eligible for reimbursement and when coverage begins.
- 4Get Multiple Quotes
Request quotes from at least three insurance providers. Prices can vary by hundreds of dollars for the same deductible, annual limit and reimbursement rate. Compare discounts between insurers to determine which option offers the most savings.
- 5Review 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. Pets Best offers the cheapest premiums. Both companies maintain strong coverage ratings and customer satisfaction scores. Compare these providers and other trusted options to find the plan matching your pet's needs and budget.
Pet Insurance for Goldendoodle: FAQ
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, providing comprehensive coverage and strong customer support. Its premiums are a little higher, but the breadth of its benefits and specialized plans make the cost justifiable 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. Actual rates vary depending on your location and your pet's needs.
How much does Goldendoodle insurance cost?
With a monthly premium of $91, Goldendoodles rank as the 145th most expensive breed to insure. Monthly rates vary 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. 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
Goldendoodles inherit health conditions from both parent breeds: hip dysplasia from Golden Retrievers, progressive retinal atrophy from Poodles and ear infections common to both. These conditions drive up veterinary costs, making the right insurance critical. Our analysis focused on finding plans that cover breed-specific conditions while keeping premiums affordable.
We gathered quotes from major insurers across all 50 states for Goldendoodles at different life stages and coverage levels. Our team reviewed clinical veterinary data for the breed, examined customer satisfaction ratings and analyzed policy contracts to identify which providers offer the best value for Goldendoodle owners.
Base Profile for Cost Comparisons
All provider costs reflect quotes for this standard profile:
- 6-year-old Goldendoodle
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs aggregate pricing across all coverage options and ages within typical Goldendoodle life expectancy (10-15 years).
Rating Factors
Affordability (50%): Premium competitiveness across all profiles and factor combinations. Discounts provide minor rating adjustments since the variation between companies is slight.
Customer experience (30%): Sentiment analysis from online sources measuring positive, neutral and negative customer feedback. Higher positive sentiment earns higher ratings.
Coverage (20%): Contract analysis for every provider in every state, evaluating add-ons, inclusions, exclusions and restrictions. Pet insurance regulations vary by state, affecting available coverage options.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.