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5 Best Pet Insurance for Goldendoodles (2022 Reviews)

Goldendoodles playing together
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Goldendoodle owners from New Jersey to Minnesota to Utah to Texas, and everywhere between, know that veterinary emergencies are inevitable in most dogs’ lives. Since urgent care fees are expensive, many dog parents buy pet insurance for the added financial support it offers so they can focus their energy on helping their best pals get well. We have done extensive research and found the best pet insurance companies for Goldendoodles.

Asher and his Goldendoodle Lola
Asher at home in Hawaii paddleboarding with his Goldendoodle Lola

5 Top Pet Insurance Companies Compared for Goldendoodles

  • 1

    Best overall

    Our score
    Average price for
    Reimbursement amount 90%
    Annual benefit $20,000
    • Lemonade features the overall best Goldendoodle 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
    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
    Reimbursement amount 90%
    Annual benefit $5,000
    • Figo provides free 24/7 telehealth services to Goldendoodle 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
    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 Goldendoodle 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
    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 Goldendoodle Pet Insurance

  • 1. How much does pet insurance cost for Goldendoodles?

    Monthly premiums for Goldendoodles average anywhere from $24.04 to $62.58. Pet insurance providers determine these rates using variables such as your dog’s age, breed, and medical history in tandem with the average veterinary fees in your state.

  • 2. What does pet insurance typically cover for Goldendoodles?

    While pet insurance coverage differs from one provider to another, you can expect that your Goldendoodle’s policy will cover any accident or illness that is sudden and catastrophic. In such instances, covered treatments and procedures may include physical exams, tests, other diagnostics, surgery and medication.

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

    Most pet insurance companies will allow you to cancel your Goldendoodle’s policy at any time. Just be sure to check with your provider how you’re supposed to go about doing so.

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

    Pet insurance companies do not cover spaying or neutering. That said, should your Goldendoodle need one of these operations, companies like Embrace have wellness package add-ons that extend coverage to such procedures.

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

    Your Goldendoodle’s insurance rates will increase as they get older. Pet insurance providers raise rates in order to mitigate the heightened risk of your dog developing ailments or illnesses as they age.

  • 6. Which companies cover pre-existing conditions?

    Pawp tops our rankings for covering pre-existing conditions, especially in emergencies. Embrace also has some policy terms that cover a limited number of pre-existing conditions that the company considers curable. Always verify with each provider what their plans cover and exclude before applying for a policy. That said, it is worth mentioning that most pet insurance companies do not cover pre-existing conditions at all. It is worth noting that if your Goldendoodle has a pre-existing condition, it will not preclude them from getting dog insurance.

  • 7. Is pet insurance worth it for Goldendoodles?

    Dog insurance can be highly advantageous for Goldendoodles since they, like most breeds, experience veterinary emergencies during their lives. Urgent care can be quite expensive, which is the primary reason that so many dog parents opt for the added protection of pet insurance.

    An example of a common Goldendoodle affliction is patellar luxation. This is when the kneecap (patella) moves out of place, either consistently or occasionally. In simple terms, the knee dislocation can restrict your Goldendoodle’s ability to work and lead to osteoarthritis. The only real remedy for patellar luxation is surgery, which can cost up to $3,500 per kneecap. Another ailment that plagues Goldendoodles is cataracts. Cataracts are milky-like films that develop over the retina and restrict the light entering the eye. If left untreated, they can lead to blindness. Like patellar luxation, the only successful remedy is surgery, which can cost up to $4,000.

More Details About Pet Insurance for Goldendoodles

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade offers Goldendoodle parents affordable rates, a number of optional wellness plans, and comprehensive emergency and illness coverage. They also have a simple claim-filing system available on their dynamic mobile app. Another benefit of Lemonade’s coverage is a short 2-day accident waiting period instead of the 14 to 30-day periods other providers require. Furthermore, dog owners will get a discount should they decide to combine their dog’s policy with a renters’ or homeowners’ policy from Lemonade.

    Keep in mind: If your Goldendoodle is older or has pre-existing conditions, you may need to send in veterinary documentation before your dog’s policy can become active.

    Good for: Most all Goldendoodles, especially for those that are young and healthy.  

    Average price for Goldendoodles: $24.04/month 

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo has some of the fastest reimbursements out there, which they make via direct deposit, PayPal or Venmo. Another popular aspect of their coverage is that they will pay up to 100% of veterinary fees for the rest of the year once dog parents meet their annual deductibles. Extra discounts are available for those who insure more than one pet or renew their policies without having any claim reimbursements in the previous year. Goldendoodle owners will appreciate being free to take their dogs to any licensed veterinarian of their choosing.

    Keep in mind: The lifetime benefit limit is $100,000. If the cost of your Goldendoodle’s veterinary care reaches this threshold at any time, they will no longer be eligible for coverage.

    Good for: Goldendoodle parents who want insurance that offers a balanced blend of wellness and emergency care.  

    Average price for Goldendoodles: $61.26/month 

  • 3. Figo

    (Best live vet support)

    Why it’s great: For those Goldendoodle owners seeking excellent 24/7 veterinary telehealth support and would like it included as part of their dog insurance coverage, then Figo may be the right option. Figo makes those services available via their mobile app. Another element of their insurance is that they feature several health plans that provide for different needs and preferences, including one that covers up to $250 of prescription food. Moreover, all standard policies come with unlimited lifetime benefits, and there are no reimbursement caps assigned to specific ailments. Figo also has one of the fastest claim review processes in which claim closures average less than 3 days.

    Keep in mind: Pre-existing conditions are not covered.

    Good for: Goldendoodle owners who want free 24/7 televet services with their dog insurance policy. 

    Average price for Goldendoodles: $51.82/month 

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp’s emergency fund protects as many as 6 pets within a given household, irrespective of each animal’s age, breed or health condition, for only $24/month. Goldendoodle owners who purchase the emergency fund will also get free 24/7 televet services and consultations with pet experts. What’s more, Pawp requires no copays, credit checks or deductibles, and they will pay your bills for qualified emergencies before you and your Goldendoodle even leave the vet’s clinic. They even let dog parents choose the veterinarians to take their four-legged friends.

    Keep in mind: The emergency fund only covers those accidents and illnesses that Pawp’s virtual team of veterinarians deem true emergencies. What’s more, it only covers a single vet bill under $3,000 for one pet within your household in a given year.

    Good for: Senior Goldendoodles or those with pre-existing conditions. This is also a good supplement for conventional health insurance policies.  

    Average price for Goldendoodles: $24/month 

  • 5. Embrace

    (Best established brand)

    Why it’s great: Some of Embrace’s most popular perks include discounts for those who insure multiple pets, unlimited lifetime benefits, and diminishing deductibles. With a diminishing deductible, your Goldendoodle’s annual deductible will decrease by $50 upon renewal if you did not have any claim reimbursements in the year before. Embrace also has a unique, optional wellness package that extends coverage to alternative veterinary care such as reiki, massage therapy, chiropractic, and acupuncture.

    Keep in mind: Embrace’s wellness plan has a combined claims limit of $650 per year and no refunds are given for any unused funds.

    Good for: Goldendoodles owners who want to have their dogs’ alternative veterinary care covered.  

    Average price for Goldendoodles: $41.99/month 

Best Overall

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


We hope this article has given you the information you need to streamline your search for the right dog insurance plan for your best pal. We always recommend pet owners take extra time to explore further each provider’s offerings before applying for coverage. Buying the best pet insurance policy can give your Goldendoodle a financial safety net so that they may get the care they need when it comes to emergencies and preventative care. Ultimately, the goal is to ensure that your dog shares a long, healthy, and fun-filled life with you.