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5 Best Pet Insurance for Golden Retrievers (2022 Reviews)

golden retriever pet insurance
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Golden Retrievers everywhere, regardless of whether you live in New York, Indiana, Washington or somewhere between, are vulnerable to having medical emergencies during their lives. And since urgent veterinary care in the United States is expensive, many dog parents opt for pet insurance to get an extra level of protection and shield themselves from these potential financial burdens. Through our comprehensive research, we have found the country’s best pet insurance companies for Golden Retrievers.

5 Best Pet Insurance for Golden Retrievers (2022 Reviews)

5 Top Pet Insurance Companies Compared for Golden Retrievers

  • 1

    Best overall

    Our score
    Average price for
    Golden Retrievers
    Reimbursement amount 90%
    Annual benefit $20,000
    • Lemonade features the overall best Golden Retrievers pet insurance plan at the most competitive rates

    • Claims can be paid in under 60 seconds via their world-class app. I was blown away by how quickly they approved my claim and how much they paid

    • Lemonade is a certified B-corp that donates a significant portion of their unclaimed premiums to pet parents’ preferred non-profit organizations

  • 2

    Best for wellness

    Our score
    Average price for
    Golden Retrievers
    Reimbursement amount 90%
    Annual benefit $20,000
    • They are one of the few companies that reimburse up to 100% of veterinary costs and provide quick reimbursements

    • Wagmo’s top-notch wellness plans extend coverage to include your pet’s routine and preventative care

    • Wagmo offers instant coverage for cats and dogs in all 50 states, regardless of their age, breed, or any health conditions (with some limitations)

  • 3

    Best live vet support

    Our score
    Average price for
    Golden Retrievers
    Reimbursement amount 90%
    Annual benefit $5,000
    • Figo provides free 24/7 telehealth services to Golden Retrievers owners with licensed veterinarians and other essential professionals on call

    • Their pet records app and real-time claims tracker are easy and intuitive to use

    • Figo covers most ‘curable’ pre-existing conditions as long as the pet has been symptom-free for 12 months since their last treatment

  • 4

    Best for pre-existing conditions

    Our score
    Average price for
    Golden Retrievers
    Reimbursement amount 100%
    Annual benefit $3,000
    • Pawp allows you to protect up to 6 pets under one membership regardless of age or pre-existing conditions

    • Pawp membership gives Golden Retrievers pet parents access to an annual one-time use $3,000 Emergency Fund to cover unexpected accidents or illnesses

    • Pawp does not require copays, credit checks or deductibles

  • 5

    Best established brand

    Our score
    Average price for
    Golden Retrievers
    Reimbursement amount 90%
    Annual benefit $5,000
    • With Embrace’s “Healthy Pet Deductible,” your annual deductible drops by $50 every year you do not get reimbursed for a claim

    • Embrace has an easy-to-use claims portal and paid 92% of claims in 2021

    • Their Wellness Rewards is one of the most flexible preventative care plans available, offering a whole host of benefits, including training and grooming

Based on our personal experience and countless hours of research, we’ve found Lemonade Pet Insurance offers the ideal balance between coverage and unbeatable prices.

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FAQs about Golden Retriever Pet Insurance

  • 1. How much does pet insurance cost for Golden Retrievers?

    Monthly premiums for Golden Retrievers average somewhere between $24 and $63. Dog insurance providers calculate premiums based on several factors, including the cost of veterinary services in your state as well as your dog’s age, breed and medical history.

  • 2. What does pet insurance typically cover for Golden Retrievers?

    Pet insurance coverage varies to some extent between providers. However, as a general rule, you can expect that any sudden and catastrophic accidents and illnesses your Golden Retriever may have will be covered. In such instances, covered care may include physical exams, tests, other diagnostic measures, surgery and medication.

  • 3. Can I cancel my Golden Retriever’s insurance plan after I make a claim?

    Pet insurance companies allow for policy cancellation at any time. Be sure to check with your specific provider to determine the necessary steps for doing so.

  • 4. Do pet insurance companies cover spaying and neutering?

    Pet insurance companies do not cover spaying and neutering. That said, some providers, like Embrace , have optional wellness add-ons that will reimburse for these operations should your Golden Retriever need one.

  • 5. Does the cost of insurance increase as my Golden Retriever ages?

    It is to be expected that insurance costs will go up as your Golden Retriever ages, and this will be particularly evident once they reach 4 or 5 years old. Providers increase insurance rates to help mitigate the elevated risk that your dog may develop a chronic condition or get ill as they grow older.

  • 6. Which companies cover pre-existing conditions?

    Pawp offers the best protection for covering pre-existing conditions, especially in emergencies. Embrace also has some policy terms that extend coverage for limited pre-existing conditions. We recommend checking with these providers to get further insight into what their coverage includes and excludes. It’s worth mentioning that these providers are exceptions to the norm since most do not cover pre-existing conditions of any sort. However, don’t be alarmed if your Golden Retriever has a pre-existing condition, as it will not preclude them from getting insurance.

  • 7. Is pet insurance worth it for Golden Retrievers?

    Golden Retrievers can benefit from pet insurance since emergencies can strike at any time, and urgent care will be needed. Veterinary fees in such circumstances can be exorbitant, but insurance coverage can help offset significant portions of these fees. An example of a common but costly affliction Golden Retrievers suffer from is hip dysplasia. This leads to severe joint pain and can significantly inhibit their ability to walk. In many cases, hip replacement surgery is the only recourse, which can cost as much as $7,000. This breed also develops cataracts, which appear as a white film over their retinas and block light from entering the eye. If left untreated, your Golden may end up blind. For cataract surgery, you can expect to pay up to $4,000. Dog insurance can provide you with peace of mind, knowing that whatever happens, you will be able to afford vital, life-saving care for your beloved dog.

More Details About Pet Insurance for Golden Retrievers

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade ranks best overall because they offer a wide range of benefits to pet parents, such as a diverse selection of optional wellness plans, affordable premiums and extensive accident and illness coverage. Another benefit of their coverage is their 2-day accident waiting period, which is very short compared to other companies that require 14 to 30 days. Golden Retriever parents who also purchase renters’ or homeowners’ insurance from Lemonade will receive a discount.

    Keep in mind: Should your Golden Retriever be older or have pre-existing conditions, be aware that you may need to submit documentation from your veterinarian attesting to your dog’s medical history before you can get a policy in place.

    Good for: Most Golden Retrievers, especially if they are healthy and young. 

    Average price for Golden Retrievers: $31.50/month 

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo is popular among Golden Retriever owners for their super-fast reimbursements made via direct deposit, PayPal, or Venmo. They will also reimburse as much as 100% of veterinary fees once you meet your annual deductible. If you insure multiple pets or renew your policy without having any claim reimbursements in the previous year, you will receive a discount. Furthermore, all dog parents can take their best pals to any veterinarian of their choice.

    Keep in mind: The total lifetime benefit total is $100,000. Should your Golden Retriever’s care eventually reach this threshold, they will no longer be eligible for coverage.

    Good for: Golden Retrievers owners who prefer a blend of emergency and preventative care. 

    Average price for Golden Retrievers: $61.26/month 

  • 3. Figo

    (Best live vet support)

    Why it’s great: With Figo, Golden Retriever parents get access to free 24/7 telehealth services via the company’s mobile app. They also provide unlimited lifetime benefits and do not place cost caps on specific types of treatment. What’s more, they have various wellness packages to choose from that dramatically expand coverage, including one option that covers $250 worth of prescription food. Better yet, Figo’s quick claim review and closure process typically take only 3 days or less, therefore helping pet parents get reimbursed faster

    Keep in mind: They do not cover pre-existing conditions.

    Good for: Golden Retriever parents who wish to have free 24/7 televet services included with their dog’s insurance. 

    Average price for Golden Retrievers: $59.56/month 

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp provides dog parents with an emergency fund that will protect as many as 6 pets within your household, irrespective of their age, breed or medical history, for a flat fee of $24. On top of that, they will also receive free, unlimited 24/7 televet support and consultations with pet experts. A bonus is that they do not require credit checks, copays or deductibles. In fact, they will even pay your vet bill for any qualified emergencies before you and your Golden Retriever leave the veterinary clinic, allowing you to skip the time-consuming claims process. Dog parents will also appreciate being able to take their four-legged friends to the vet of their choice.

    Keep in mind: The emergency fund only covers emergencies approved by Pawp’s virtual team of veterinarians. It also limits coverage to a single vet bill of less than $3,000 for one of your pets in a given year.

    Good for: Senior Golden Retrievers or those with pre-existing conditions. Also a good supplement for traditional pet insurance plans. 

    Price: $24/month

  • 5. Embrace

    (Best established brand)

    Why it’s great: Over the years, Embrace has become an established brand in the pet insurance world because they offer pet parents several dynamic perks. The most notable are the unlimited lifetime benefits, multiple pet discounts and diminishing deductibles. A diminishing deductible means that yours will drop by $50 whenever you renew your policy without having claim reimbursements in the year prior. Also, Embrace offers a unique wellness plan that reimburses for alternative veterinary care, including acupuncture, reiki, chiropractic and massage therapy.

    Keep in mind: The maximum combined claims total for the wellness package is $650. Any unused funds in this package will not be reimbursed at the end of the year.

    Good for: Golden Retriever owners who would like their insurance provider to reimburse for alternative veterinary treatments. 

    Average price for Golden Retrievers: $57.98/month 

Best Overall

Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider for Golden Retriever and they also offer the best value.


We hope this article has brought some clarity to your search for the right pet insurance for your Golden Retriever. We suggest taking some extra time to explore these companies’ offerings further before putting a policy in place. Buying the best pet insurance policy will give you a significant financial cushion to help you cope with veterinary emergencies and cover routine care. Ultimately, the goal is to help you and your Golden Retriever enjoy as many healthy and vibrant years together as possible.