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: September 1, 2025
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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 premium for Labradoodles is $91, making them the 146th most expensive dog breed to insure.
Best Labradoodle Pet Insurance Companies
| AKC | 4.40 | $46 | 3 | 1 |
| Rainwalk | 4.35 | $44 | 1 | 4 |
| Pets Best | 4.30 | $32 | 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 for Labradoodles
MoneyGeek Rating
4.4/ of 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
Covers pre-existing conditions
Best Labradoodle Pet Insurance by State
AKC ranks as the top Labradoodle insurance provider in 49 states nationwide. Rainwalk follows as the second-best option, leading in 13 states including Alabama, Alaska and Arizona.
| 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 |
| Kentucky | Rainwalk | 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 | 4.40 |
| 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 Carolina | Rainwalk | 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 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/ of 5
4.6/5Affordability
4.4/5Customer Experience
1.7/5Coverage Options
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 that reflect their unique health and care needs. Several breed-specific factors drive these higher costs, but there are practical ways to keep coverage affordable.
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.
While Labradoodles share some common health traits, your pet's health profile matters most when choosing insurance. Consider your budget and your dog's specific medical history when selecting coverage, and talk with your vet about potential health risks.
INSURANCE RISK PREVENTION
Protect your Labradoodle's health by maintaining a healthy weight through proper diet and daily exercise. Schedule regular vet checkups for early problem detection, and keep up with grooming to prevent skin issues. When selecting a puppy, choose breeders who perform genetic health testing. These preventive steps help avoid common breed issues like hip problems and allergies, potentially saving thousands in medical costs.
How to Get the Best Cheap Labradoodle Pet Insurance
Getting affordable Labradoodle insurance requires some research. Follow these steps:
- 1
Evaluate Your Coverage Needs
Labradoodles can face specific health issues like hip dysplasia and eye problems. Review your savings and expected vet costs to decide how much pet insurance coverage you need.
- 2
Compare Insurance Companies
Get familiar with top pet insurance providers and their basic rates. Look at customer reviews and check if they offer special discounts for multiple pets or annual payments.
- 3
Review Policy Details
Look closely at waiting periods and what conditions aren't covered. Most providers have a 14-30 day waiting period before coverage starts, and pre-existing conditions are usually excluded.
- 4
Get Multiple Price Quotes
Request quotes from at least three different insurance companies. Prices can vary by hundreds of dollars for the same coverage level, so comparing options is worth your time.
- 5
Check Rates Yearly
Pet insurance rates often change at renewal time. Shop around for new quotes each year and adjust your coverage based on your Labradoodle's changing health needs.
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.
Pet Insurance for Labradoodle: FAQ
Below are our expert answers to frequently asked questions about Labradoodle insurance:
What is the best pet insurance provider for Labradoodles overall?
AKC stands out as the top pet insurance provider for Labradoodles, offering comprehensive coverage and exceptional customer service. Despite higher-than-average premiums, their extensive benefits and dedicated pet expertise make them a valuable choice.
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. 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.