AKC is the best pet insurance company for Poodles due to its excellent coverage options and customer satisfaction scores. Other strong options for your Poodle include Lemonade, Rainwalk and Pets Best.
Poodle Insurance
Updated: August 28, 2025
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Key Takeaways
AKC is the best pet insurance company for Poodles, offering strong coverage and reliable service.
Lemonade provides the cheapest pet insurance rates for Poodles, with average rates of around $37 monthly for standard protection.
Poodles cost an average of $113 per month to insure, ranking as the 74th most expensive dog breed to cover.
Best Poodle Pet Insurance Companies
| AKC | 4.30 | $55 | 3 | 1 |
| Lemonade | 4.20 | $37 | 3 | 6 |
| Rainwalk | 4.20 | $56 | 1 | 4 |
| Pets Best | 4.20 | $40 | 5 | 2 |
| Spot | 3.90 | $56 | 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 Poodles
MoneyGeek Rating
4.3/ of 5
4/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$55Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Poodle Pet Insurance by State
AKC leads Poodle insurance in 45 states nationwide. Rainwalk ranks highest in four states, including Illinois, Michigan and Utah.
| Alabama | AKC | 4.30 |
| Alaska | AKC | 4.30 |
| Arizona | AKC | 4.30 |
| Arkansas | AKC | 4.40 |
| California | AKC | 4.35 |
| Colorado | AKC | 4.35 |
| Connecticut | AKC | 4.35 |
| Delaware | AKC | 4.30 |
| Florida | AKC | 4.35 |
| Georgia | AKC | 4.30 |
| Hawaii | AKC | 4.35 |
| Idaho | AKC | 4.30 |
| Illinois | AKC | 4.30 |
| Illinois | Rainwalk | 4.30 |
| Indiana | AKC | 4.35 |
| Iowa | AKC | 4.30 |
| Kansas | AKC | 4.30 |
| Kentucky | AKC | 4.35 |
| Louisiana | AKC | 4.30 |
| Maine | AKC | 4.30 |
| Maryland | AKC | 4.30 |
| Massachusetts | AKC | 4.30 |
| Michigan | Rainwalk | 4.25 |
| Minnesota | AKC | 4.30 |
| Mississippi | AKC | 4.35 |
| Missouri | AKC | 4.30 |
| Montana | AKC | 4.35 |
| Nebraska | AKC | 4.30 |
| Nevada | AKC | 4.30 |
| New Hampshire | AKC | 4.30 |
| New Jersey | AKC | 4.30 |
| New Mexico | AKC | 4.40 |
| New York | AKC | 4.35 |
| North Carolina | AKC | 4.30 |
| North Dakota | AKC | 4.40 |
| Ohio | AKC | 4.30 |
| Oklahoma | AKC | 4.40 |
| Oregon | AKC | 4.35 |
| Pennsylvania | AKC | 4.35 |
| Rhode Island | AKC | 4.35 |
| South Carolina | AKC | 4.40 |
| South Dakota | AKC | 4.40 |
| Tennessee | AKC | 4.30 |
| Texas | AKC | 4.35 |
| Utah | AKC | 4.25 |
| Utah | Rainwalk | 4.25 |
| Vermont | AKC | 4.35 |
| Virginia | AKC | 4.25 |
| Virginia | Rainwalk | 4.25 |
| Washington | AKC | 4.45 |
| West Virginia | AKC | 4.35 |
| Wisconsin | AKC | 4.25 |
| Wyoming | AKC | 4.35 |
*Rates are based on a 6-year-old Poodle 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 Poodle Pet Insurance Companies
Lemonade provides the most affordable pet insurance for Poodles at $37 per month or $443 per year. Other budget-friendly options include Pets Best, Pumpkin, ASPCA and Figo.
| Lemonade | $37 | $443 | 32% |
| Pets Best | $40 | $484 | 26% |
| Pumpkin | $46 | $548 | 17% |
| ASPCA | $47 | $564 | 14% |
| Figo | $49 | $585 | 11% |
*Rates are based on a 6-year-old Poodle 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 Poodles
MoneyGeek Rating
4.2/ of 5
4.4/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$37Overall Customer Sentiment
72% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical Therapy For New Accidents and Illness
Cheapest Poodle Pet Insurance by State
Lemonade leads as the most affordable pet insurance provider for Poodles, ranking cheapest in 50 states. Monthly premiums range from $25 to $48, depending on your location.
| Alabama | Lemonade | $27 | 36% |
| Alaska | Lemonade | $36 | 34% |
| Arizona | Lemonade | $45 | 30% |
| Arkansas | Lemonade | $25 | 36% |
| California | Lemonade | $47 | 28% |
| Colorado | Lemonade | $47 | 31% |
| Connecticut | Lemonade | $42 | 32% |
| Delaware | Lemonade | $37 | 33% |
| Florida | Lemonade | $42 | 32% |
| Georgia | Lemonade | $33 | 31% |
| Hawaii | Lemonade | $37 | 34% |
| Idaho | Lemonade | $37 | 32% |
| Illinois | Lemonade | $46 | 30% |
| Indiana | Lemonade | $33 | 31% |
| Iowa | Lemonade | $31 | 34% |
| Kansas | Lemonade | $34 | 33% |
| Kentucky | Lemonade | $29 | 36% |
| Louisiana | Lemonade | $30 | 34% |
| Maine | Lemonade | $45 | 32% |
| Maryland | Lemonade | $36 | 38% |
| Massachusetts | Lemonade | $48 | 31% |
| Michigan | Lemonade | $37 | 33% |
| Minnesota | Lemonade | $38 | 31% |
| Mississippi | Lemonade | $31 | 34% |
| Missouri | Lemonade | $29 | 34% |
| Montana | Lemonade | $31 | 34% |
| Nebraska | Lemonade | $33 | 33% |
| Nevada | Lemonade | $38 | 32% |
| New Hampshire | Lemonade | $43 | 31% |
| New Jersey | Lemonade | $42 | 31% |
| New Mexico | Lemonade | $33 | 34% |
| New York | Lemonade | $40 | 32% |
| North Carolina | Lemonade | $33 | 35% |
| North Dakota | Lemonade | $28 | 34% |
| Ohio | Lemonade | $34 | 34% |
| Oklahoma | Lemonade | $31 | 34% |
| Oregon | Lemonade | $46 | 31% |
| Pennsylvania | Lemonade | $39 | 33% |
| Rhode Island | Lemonade | $32 | 33% |
| South Carolina | Lemonade | $35 | 32% |
| South Dakota | Lemonade | $33 | 35% |
| Tennessee | Lemonade | $34 | 32% |
| Texas | Lemonade | $39 | 31% |
| Utah | Lemonade | $35 | 33% |
| Vermont | Lemonade | $34 | 33% |
| Virginia | Lemonade | $40 | 34% |
| Washington | Lemonade | $43 | 35% |
| West Virginia | Lemonade | $32 | 32% |
| Wisconsin | Lemonade | $40 | 34% |
| Wyoming | Lemonade | $34 | 32% |
*Rates are based on a 6-year-old Poodle 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 Poodle Insurance Cost?
Monthly pet insurance for Poodles ranges from $77 to $147 across the U.S., ranking as the 74th most expensive breed to insure. Your actual premium will depend on your location and chosen coverage options.
| Alabama | $86 | $1,026 | -25% |
| Alaska | $112 | $1,345 | -1% |
| Arizona | $135 | $1,622 | 19% |
| Arkansas | $77 | $922 | -32% |
| California | $141 | $1,685 | 24% |
| Colorado | $142 | $1,703 | 25% |
| Connecticut | $130 | $1,556 | 14% |
| Delaware | $115 | $1,379 | 1% |
| Florida | $129 | $1,548 | 14% |
| Georgia | $101 | $1,209 | -11% |
| Hawaii | $116 | $1,390 | 2% |
| Idaho | $113 | $1,357 | -0% |
| Illinois | $139 | $1,665 | 23% |
| Indiana | $102 | $1,228 | -10% |
| Iowa | $94 | $1,127 | -17% |
| Kansas | $103 | $1,237 | -9% |
| Kentucky | $91 | $1,089 | -20% |
| Louisiana | $92 | $1,099 | -19% |
| Maine | $137 | $1,643 | 21% |
| Maryland | $118 | $1,420 | 4% |
| Massachusetts | $147 | $1,763 | 30% |
| Michigan | $114 | $1,368 | 1% |
| Minnesota | $116 | $1,394 | 3% |
| Mississippi | $98 | $1,172 | -14% |
| Missouri | $90 | $1,077 | -21% |
| Montana | $96 | $1,155 | -15% |
| Nebraska | $102 | $1,220 | -10% |
| Nevada | $116 | $1,386 | 2% |
| New Hampshire | $130 | $1,563 | 15% |
| New Jersey | $127 | $1,523 | 12% |
| New Mexico | $100 | $1,198 | -12% |
| New York | $124 | $1,487 | 9% |
| North Carolina | $103 | $1,232 | -9% |
| North Dakota | $88 | $1,051 | -23% |
| Ohio | $106 | $1,266 | -7% |
| Oklahoma | $95 | $1,139 | -16% |
| Oregon | $141 | $1,689 | 24% |
| Pennsylvania | $119 | $1,429 | 5% |
| Rhode Island | $100 | $1,202 | -12% |
| South Carolina | $110 | $1,315 | -3% |
| South Dakota | $102 | $1,220 | -10% |
| Tennessee | $105 | $1,253 | -8% |
| Texas | $117 | $1,402 | 3% |
| Utah | $110 | $1,319 | -3% |
| Vermont | $106 | $1,267 | -7% |
| Virginia | $124 | $1,485 | 9% |
| Washington | $131 | $1,574 | 16% |
| West Virginia | $97 | $1,168 | -14% |
| Wisconsin | $122 | $1,467 | 8% |
| Wyoming | $104 | $1,252 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Poodle. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect Poodle Insurance Costs?
Poodles rank as the 74th most expensive dog breed to insure, with monthly premiums averaging $113, due to breed-specific health factors.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Poodles face breed-specific health challenges that insurers consider high-risk conditions. Hip dysplasia commonly requires corrective surgery, while conditions like sebaceous adenitis, Addison's disease and bloat can lead to ongoing medical expenses. These genetic health issues often require specialized treatment and long-term care.
Size-Related Factors
Potential Vet Cost Increase: 30% to 50% higher vet costs
Large breed dogs like Poodles require more intensive medical care than smaller pets. They need higher medication doses, additional anesthesia during surgeries and specialized equipment. Recovery from procedures often takes longer and may require supportive devices like mobility harnesses or custom-sized rehabilitation equipment.
Lifespan Considerations
Annual Vet Costs By Age: $700 to $1,500 (Young) to $2,000 to $4,500 (Senior)
Poodles usually live 12 to 15 years, which is average for large breed dogs. Around age 7, Poodles often develop age-related conditions requiring more frequent veterinary care. Regular health screenings, chronic disease management and preventive treatments become increasingly important, leading to higher annual medical expenses.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Poodles are intelligent, athletic dogs with high exercise needs. Their active lifestyles increase the risk of sports-related injuries like cruciate ligament tears and muscle strains. Poodle size and protective instincts can affect liability coverage options, particularly in multi-pet households or homes with young children.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Increased demand for Poodles has led to concerning breeding practices that elevate the risks of inherited health problems. Insurance providers scrutinize this breed more carefully, potentially affecting policy terms and coverage limits. Selecting a puppy from health-tested parents with documented genetic screening can reduce future medical expenses and insurance complications.
Your dog's specific risks depend on its unique health history and lifestyle. When deciding on insurance coverage, consider both your financial situation and your pet's medical profile. Your veterinarian can help identify potential health concerns affecting your insurance choice.
INSURANCE RISK PREVENTION
Protect your Poodle's health by working closely with your veterinarian on preventive care. Schedule regular hip and eye screenings, and discuss gastropexy surgery to prevent bloat if recommended for your dog. Choose a breeder who tests for genetic conditions like von Willebrand's disease. Keep your Poodle at a healthy weight through proper portion control and 45 to 60 minutes of daily exercise. Regular professional grooming every four to six weeks helps prevent skin problems, while maintaining a consistent feeding schedule and avoiding exercise right after meals reduces bloat risk. Proactive steps can minimize future health issues and veterinary costs.
How to Get the Best Cheap Poodle Pet Insurance
Finding affordable Poodle insurance takes some research, but these steps make it straightforward.
- 1
Evaluate Your Coverage Needs
Poodles have specific health risks like hip problems that can be expensive to treat. Review pet insurance coverage options to match your dog's needs and your budget.
- 2
Compare Insurance Providers
Research different pet insurance companies and their average rates for Poodles. Look at customer reviews and coverage options to find reliable insurers with good track records.
- 3
Review Policy Details
Check waiting periods and coverage exclusions before signing up. Request sample policies from your top choices to understand exactly what's covered and what isn't.
- 4
Get Multiple Price Quotes
Use online quote tools from several insurance providers. Prices can vary by hundreds of dollars for the same coverage, so comparing multiple options is worth your time.
- 5
Check Rates Yearly
Pet insurance rates often change at renewal time. Compare new quotes each year and adjust your coverage based on your Poodle's changing health needs.
Poodle Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Poodles, while Lemonade offers the lowest monthly premiums at $37. Compare these insurers and other trusted options to find coverage matching your pet's health needs and your budget. The right policy provides peace of mind and ensures quality care for your Poodle.
Pet Insurance for Poodles: FAQ
Below are our expert answers to frequently asked questions about Poodle insurance:
What is the best pet insurance provider for Poodles overall?
AKC is the top pet insurance provider for Poodles, delivering comprehensive coverage and exceptional customer experience. Though premiums may exceed average rates, the extensive benefits and reliable service justify the investment.
Who offers the cheapest pet insurance for Poodles?
Lemonade provides the most affordable pet insurance for Poodles, with monthly premiums starting at $37 for standard coverage. Note that actual rates will vary depending on your location and pet's specific circumstances.
How much does Poodle insurance cost?
Poodles rank as the 74th most expensive breed to insure, with average monthly premiums of $113. Monthly rates across states vary significantly, ranging from $77 to $147.
What are the most common accident and illness risks for Poodles?
Poodles commonly face hip dysplasia (causing joint pain and limited mobility), gastric dilatation-volvulus or bloat (a life-threatening stomach condition requiring immediate surgery), and Addison's disease (a hormonal disorder affecting energy and stress response). These health risks are largely linked to the breed's large size and genetic predisposition.
How We Found the Best and Cheapest Poodle Insurance
How We Determined Costs
All costs presented in this article were modeled after the following base profile:
- 6-year-old Poodle
- $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.