AKC is the best pet insurance company for Labradoodles due to its strong customer service and comprehensive coverage options. Other excellent providers are Rainwalk, Pets Best and Lemonade.
Labradoodle Insurance
Updated: January 29, 2026
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Key Takeaways
AKC is the best pet insurance company for Labradoodles, offering strong coverage and service quality.
Pumpkin offers the cheapest pet insurance rates for Labradoodles, with average rates of around $32 monthly for standard protection.
The average monthly cost of pet insurance for Labradoodles is $91, making them the 146th most expensive dog breed to insure.
Best Labradoodle 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.
Learn more about the best pet insurance options for your Labradoodle across different situations:
AKC
Best for Labradoodles
MoneyGeek Rating
4.4/ 5
4.2/5Affordability
4.4/5Customer Experience
5/5Coverage Points
Average Monthly Rate
$46Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Labradoodle Pet Insurance by State
AKC leads Labradoodle pet insurance rankings in 49 states. Rainwalk places second overall, topping the list in 13 states such as Alabama, Alaska and Arizona.
| Alabama | AKC | 4.4 |
| Alabama | Rainwalk | 4.4 |
| Alaska | AKC | 4.4 |
| Alaska | Rainwalk | 4.4 |
| Arizona | AKC | 4.4 |
| Arkansas | AKC | 4.5 |
| California | AKC | 4.45 |
| Colorado | AKC | 4.45 |
| Connecticut | AKC | 4.45 |
| Delaware | AKC | 4.4 |
| Florida | AKC | 4.45 |
| Georgia | AKC | 4.4 |
| Hawaii | AKC | 4.45 |
| Idaho | AKC | 4.4 |
| Idaho | Rainwalk | 4.4 |
| Illinois | Rainwalk | 4.45 |
| Illinois | AKC | 4.45 |
| Indiana | AKC | 4.45 |
| Iowa | AKC | 4.4 |
| Kansas | AKC | 4.4 |
| Kansas | Rainwalk | 4.4 |
| Kentucky | AKC | 4.45 |
| Kentucky | Rainwalk | 4.45 |
| Louisiana | AKC | 4.4 |
| Maine | AKC | 4.4 |
| Maine | Rainwalk | 4.4 |
| Maryland | AKC | 4.4 |
| Massachusetts | AKC | 4.4 |
| Massachusetts | Rainwalk | 4.4 |
| Michigan | Rainwalk | 4.4 |
| Minnesota | AKC | 4.4 |
| Minnesota | Rainwalk | 4.4 |
| Mississippi | AKC | 4.45 |
| Missouri | AKC | 4.45 |
| Montana | AKC | 4.45 |
| Nebraska | AKC | 4.4 |
| Nevada | AKC | 4.4 |
| New Hampshire | AKC | 4.4 |
| New Jersey | AKC | 4.4 |
| New Mexico | AKC | 4.5 |
| New York | AKC | 4.45 |
| North Carolina | AKC | 4.4 |
| North Dakota | AKC | 4.5 |
| Ohio | AKC | 4.4 |
| Oklahoma | AKC | 4.5 |
| Oregon | AKC | 4.45 |
| Pennsylvania | AKC | 4.45 |
| Rhode Island | AKC | 4.45 |
| South Carolina | AKC | 4.45 |
| South Carolina | Rainwalk | 4.45 |
| South Dakota | AKC | 4.5 |
| Tennessee | AKC | 4.45 |
| Texas | AKC | 4.45 |
| Utah | Rainwalk | 4.4 |
| Utah | AKC | 4.4 |
| Vermont | AKC | 4.45 |
| Virginia | Rainwalk | 4.4 |
| Virginia | AKC | 4.4 |
| Washington | AKC | 4.5 |
| West Virginia | AKC | 4.45 |
| Wisconsin | AKC | 4.4 |
| Wyoming | AKC | 4.45 |
*Rates are based on a 6-year-old Labradoodle 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 Labradoodle Pet Insurance Companies
Pumpkin offers the lowest-cost pet insurance for Labradoodles at $32 per month or $377 annually. Other budget-friendly providers include Pets Best, Lemonade, ASPCA and Figo.
| Pumpkin | $32 | $377 | 43% |
| Pets Best | $32 | $381 | 42% |
| Lemonade | $32 | $385 | 41% |
| ASPCA | $37 | $441 | 33% |
| Figo | $39 | $470 | 28% |
*Rates are based on a 6-year-old Labradoodle with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pumpkin
Cheapest Pet Insurance for Labradoodles
MoneyGeek Rating
4.0/ 5
4.6/5Affordability
4.4/5Customer Experience
1.7/5Coverage Points
Average Monthly Rate
$32Overall Customer Sentiment
79% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
24/7 vet telehealth service included
Cheapest Labradoodle Pet Insurance by State
Pumpkin offers the most affordable pet insurance for Labradoodles nationwide, ranking lowest in 50 states. Monthly premiums range from $21 to $41, depending on location.
| Alabama | Pumpkin | $23 | 45% |
| Alaska | Pumpkin | $31 | 44% |
| Arizona | Pumpkin | $38 | 41% |
| Arkansas | Pumpkin | $21 | 45% |
| California | Pumpkin | $40 | 39% |
| Colorado | Pumpkin | $40 | 42% |
| Connecticut | Pumpkin | $36 | 42% |
| Delaware | Pumpkin | $32 | 43% |
| Florida | Pumpkin | $36 | 42% |
| Georgia | Pumpkin | $28 | 42% |
| Hawaii | Pumpkin | $32 | 44% |
| Idaho | Pumpkin | $32 | 42% |
| Illinois | Pumpkin | $39 | 41% |
| Indiana | Pumpkin | $29 | 41% |
| Iowa | Pumpkin | $27 | 44% |
| Kansas | Pumpkin | $29 | 43% |
| Kentucky | Pumpkin | $25 | 46% |
| Louisiana | Pumpkin | $25 | 44% |
| Maine | Pumpkin | $38 | 42% |
| Maryland | Pumpkin | $31 | 47% |
| Massachusetts | Pumpkin | $41 | 41% |
| Michigan | Pumpkin | $32 | 43% |
| Minnesota | Pumpkin | $33 | 41% |
| Mississippi | Pumpkin | $27 | 44% |
| Missouri | Pumpkin | $25 | 44% |
| Montana | Pumpkin | $26 | 44% |
| Nebraska | Pumpkin | $29 | 43% |
| Nevada | Pumpkin | $33 | 42% |
| New Hampshire | Pumpkin | $37 | 41% |
| New Jersey | Pumpkin | $36 | 41% |
| New Mexico | Pumpkin | $28 | 44% |
| New York | Pumpkin | $34 | 42% |
| North Carolina | Pumpkin | $28 | 44% |
| North Dakota | Pumpkin | $24 | 44% |
| Ohio | Pumpkin | $29 | 44% |
| Oklahoma | Pumpkin | $26 | 44% |
| Oregon | Pumpkin | $39 | 41% |
| Pennsylvania | Pumpkin | $33 | 43% |
| Rhode Island | Pumpkin | $27 | 43% |
| South Carolina | Pumpkin | $30 | 42% |
| South Dakota | Pumpkin | $28 | 44% |
| Tennessee | Pumpkin | $29 | 42% |
| Texas | Pumpkin | $33 | 41% |
| Utah | Pumpkin | $30 | 43% |
| Vermont | Pumpkin | $29 | 43% |
| Virginia | Pumpkin | $34 | 44% |
| Washington | Pumpkin | $36 | 44% |
| West Virginia | Pumpkin | $27 | 42% |
| Wisconsin | Pumpkin | $34 | 44% |
| Wyoming | Pumpkin | $29 | 42% |
*Rates are based on a 6-year-old Labradoodle 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 Labradoodle Insurance Cost?
Monthly pet insurance premiums for Labradoodles range from $62 to $118 across the U.S., ranking as the 146th most expensive breed to insure. Your actual premium will vary based on your location, coverage choices and pet's specific needs.
| Alabama | $69 | $821 | -24% |
| Alaska | $90 | $1,075 | -1% |
| Arizona | $108 | $1,297 | 19% |
| Arkansas | $62 | $737 | -32% |
| California | $113 | $1,348 | 24% |
| Colorado | $114 | $1,362 | 25% |
| Connecticut | $104 | $1,243 | 14% |
| Delaware | $92 | $1,102 | 1% |
| Florida | $103 | $1,239 | 14% |
| Georgia | $81 | $967 | -11% |
| Hawaii | $93 | $1,112 | 2% |
| Idaho | $91 | $1,086 | -0% |
| Illinois | $111 | $1,332 | 23% |
| Indiana | $82 | $982 | -10% |
| Iowa | $75 | $901 | -17% |
| Kansas | $83 | $990 | -9% |
| Kentucky | $73 | $871 | -20% |
| Louisiana | $74 | $880 | -19% |
| Maine | $110 | $1,313 | 21% |
| Maryland | $95 | $1,137 | 5% |
| Massachusetts | $118 | $1,411 | 30% |
| Michigan | $91 | $1,095 | 1% |
| Minnesota | $93 | $1,115 | 3% |
| Mississippi | $78 | $937 | -14% |
| Missouri | $72 | $862 | -21% |
| Montana | $77 | $923 | -15% |
| Nebraska | $82 | $976 | -10% |
| Nevada | $93 | $1,109 | 2% |
| New Hampshire | $104 | $1,249 | 15% |
| New Jersey | $102 | $1,217 | 12% |
| New Mexico | $80 | $958 | -12% |
| New York | $99 | $1,190 | 9% |
| North Carolina | $82 | $986 | -9% |
| North Dakota | $70 | $840 | -23% |
| Ohio | $85 | $1,013 | -7% |
| Oklahoma | $76 | $911 | -16% |
| Oregon | $113 | $1,351 | 24% |
| Pennsylvania | $96 | $1,143 | 5% |
| Rhode Island | $80 | $962 | -12% |
| South Carolina | $87 | $1,043 | -4% |
| South Dakota | $82 | $976 | -10% |
| Tennessee | $84 | $1,003 | -8% |
| Texas | $94 | $1,122 | 3% |
| Utah | $88 | $1,055 | -3% |
| Vermont | $85 | $1,013 | -7% |
| Virginia | $99 | $1,188 | 9% |
| Washington | $105 | $1,259 | 16% |
| West Virginia | $78 | $934 | -14% |
| Wisconsin | $98 | $1,174 | 8% |
| Wyoming | $83 | $1,000 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Labradoodle. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Labradoodle Insurance Costs?
Labradoodles rank as the 146th most expensive dog breed to insure, with premiums tied to their health profile and care needs. Breed-specific factors influence pricing, but pet owners still have ways to manage coverage costs.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Labradoodles can inherit health conditions from both Labrador and Poodle lineages. Hip dysplasia commonly requires corrective surgery in this breed, while conditions like progressive retinal atrophy, sebaceous adenitis, and von Willebrand's disease can lead to ongoing treatment needs. Their genetic predisposition to these conditions often results in higher lifetime veterinary expenses.
Size-Related Factors
Potential Vet Cost Increase: 40% to 65% higher vet costs
Standard Labradoodles weigh between 50 to 65 pounds, placing them in a larger size category that requires more intensive medical care. Their size necessitates higher medication doses and additional anesthesia during procedures. Recovery from surgeries or injuries often requires specialized equipment like larger crates and support slings, increasing treatment costs.
Lifespan Considerations
Annual Vet Costs By Age: $300 to $700 (Young) to $1,200 to $3,500 (Senior)
Labradoodles live 12 to 14 years, average for medium to large dogs. As these dogs enter their senior years around age 7, they generally require more frequent veterinary care and management of age-related conditions. This results in much higher medical expenses, particularly for addressing joint problems and maintaining quality of life.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Labradoodles are energetic and playful dogs with high exercise needs. Their athletic nature increases their risk of sports-related injuries like cruciate ligament tears and muscle strains. Their size and enthusiasm can sometimes lead to accidental injuries. These behavioral traits may influence insurance coverage options, particularly liability protection.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
The popularity of Labradoodles has led to widespread breeding without proper health screening, increasing the risk of inherited conditions. Insurance providers often consider this breed's genetic health risks when determining coverage terms. Selecting a puppy from health-tested parents with documented genetic screening can reduce future medical expenses and improve insurance eligibility.
Labradoodles do share some common health traits, but your dog's individual health profile matters more when choosing pet insurance. Pick deductibles, annual limits and reimbursement rates based on your budget and your dog's medical history. Ask your vet about health risks your Labradoodle may encounter.
INSURANCE RISK PREVENTION
Keep your Labradoodle at a healthy weight with good nutrition and daily exercise. Regular vet checkups catch problems early and consistent grooming prevents skin issues. If you're buying a puppy, look for breeders who do genetic health testing. These steps help you avoid common breed problems like hip dysplasia and allergies, which can cost thousands to treat.
How to Get the Best Cheap Labradoodle Pet Insurance
Compare coverage options and pricing to find Labradoodle insurance that fits your budget. Use the steps below to narrow down the right plan:
- 1Evaluate Your Coverage Needs
Labradoodles can develop issues such as hip dysplasia and eye conditions, which affect coverage decisions. Review your savings and likely vet expenses to decide how much pet insurance coverage fits your situation.
- 2Compare Insurance Companies
Review leading pet insurance providers, comparing base pricing and claim processes. Read customer feedback and check for available discounts, such as multi-pet or annual payment options.
- 3Review Policy Details
Check waiting periods and exclusions before enrolling. Most plans include a 14- to 30-day waiting period and insurers do not reimburse pre-existing conditions.
- 4Get Multiple Price Quotes
Collect quotes from at least three insurers using the same deductible, annual limit and reimbursement rate. Monthly costs can vary widely even with identical coverage settings.
- 5Check Rates Yearly
Premiums often change at renewal. Review new quotes annually and adjust coverage as your Labradoodle’s health needs evolve.
Labradoodle Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Labradoodles, while Pumpkin offers the lowest monthly premiums. Compare both insurers, along with other trusted options, to find coverage that matches your pet's needs and your budget. The right policy provides peace of mind and ensures your Labradoodle gets quality care when health issues arise.
Learn more about the best pet insurance providers for your Labradoodle:
Pet Insurance for Labradoodle: FAQ
Find expert answers to common questions about Labradoodle insurance below.
What is the best pet insurance provider for Labradoodles overall?
AKC is the best pet insurance provider for Labradoodles. It offers broad coverage and strong customer service. You'll pay higher premiums than average, but the benefits and pet-focused expertise are worth the extra cost.
Who offers the cheapest pet insurance for Labradoodles?
Pumpkin provides the most affordable pet insurance for Labradoodles, with monthly premiums starting at $32 for standard coverage. Actual rates vary depending on your location and your pet's circumstances.
How much does Labradoodle insurance cost?
With a monthly premium of $91, Labradoodles rank as the 146th most expensive breed to insure. Monthly rates can vary significantly by location, ranging from $62 to $118.
What are the most common accident and illness risks for Labradoodles?
Labradoodles commonly face hip and elbow dysplasia causing joint pain and limited mobility, bloat (a life-threatening stomach condition requiring immediate surgery), and progressive retinal atrophy leading to vision loss. These health risks are primarily linked to the breed's genetic makeup from both Labrador and Poodle lineage.
How We Found the Best and Cheapest Labradoodle Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Labradoodles. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Labradoodles.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Labradoodle
- $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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.