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5 Best Pet Insurance for Labradoodles (2022 Reviews)

Labradoodle pet insurance
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Regardless of where you live in the United States, most Labradoodles, like all breeds, will face medical emergencies sometime in their lives. Veterinary care for such situations tends to be costly, which is why so many dog parents opt for pet insurance. Pet insurance can alleviate the financial stress that inevitably comes with your dog’s health issues.

That way, you can focus your attention on helping your best pal get well. Through our extensive research, we have found the top dog insurance companies, and we hope the information below helps you find the right policy for your Labradoodle.

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5 Top Pet Insurance Companies Compared for Labradoodles

  • 1

    Best overall

    Our score
    Average price for
    Reimbursement amount 90%
    Annual benefit $20,000
    • Lemonade features the overall best Labradoodles 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 Labradoodles 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 Labradoodles 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 Labradoodle Pet Insurance

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

    Average rates for Labradoodles are $35.25 to $62.58 each month. We provide a range because all pet insurance companies use several factors to calculate monthly premiums, such as your dog’s age, breed, medical history and the average veterinary costs for your state.

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

    Labradoodle pet insurance coverage differs between companies, but in general, you can expect accidents and illnesses sudden and catastrophic in nature to be covered. Such covered care may include tests, exams, emergency care, diagnostic procedures, medications and surgery.

  • 3. Can I cancel my Labradoodle's insurance plan after I make a claim?

    On the whole, pet insurance companies will let you cancel your policy at any time. Nevertheless, it’s always wise to check with your provider to find out their required procedures for cancellation.

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

    Pet insurance companies do not cover spaying and neutering via their standard policies. That said, Embrace offers a wellness package add-on that extends coverage to these procedures in case your Labradoodle may need one.

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

    You can expect your Labradoodle’s insurance costs to increase as they age, particularly once they turn 4 or 5 years old. Dog insurance companies raise rates to help mitigate the heightened risk that your best pal will get ill or develop a health condition as they grow older.

  • 6. Which companies cover pre-existing conditions?

    Pawp tops our list when it comes to covering pre-existing conditions, especially for emergencies. Embrace also reimburses for select pre-existing conditions that they classify as curable. It is always wise to reach out to these companies to get a more detailed understanding of what their insurance plans include and exclude. With that in mind, it is important to note that most pet insurance companies do not cover pre-existing conditions under any circumstances.

  • 7. Is pet insurance worth it for Labradoodles?

    Pet insurance can be valuable for Labradoodles because, like all other breeds, most will experience medical emergencies at some point in their lives. Urgent veterinary care fees are often sky-high. A perfect example of this is elbow or hip dysplasia. Hip replacement surgery can resolve the latter, but it may cost up to $7,000. Another common condition amongst Labradoodles is epilepsy, for which the necessary medication can run as high as $5,000 per year, depending on your dog’s circumstances. Under such circumstances, pet insurance can significantly ease the financial pressures of veterinary emergencies.

More Details About Pet Insurance for Labradoodles

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade tops our rankings for best overall dog insurance for Labradoodles because of their reasonable rates, comprehensive illness and emergency coverage, and wellness plans. They also have a user-friendly claim-filing system available via their mobile app. Dog parents will love the short 2-day accident waiting period too. Lemonade offers extra discounts to those who purchase renters’ or homeowners’ insurance in tandem with their dog’s policy.

    Keep in mind: Should your Labradoodle be older or have a pre-existing condition, you may need to submit veterinary documentation to get a policy.

    Good for: Most Labradoodles, particularly those that are healthy and young. 

    Average price for Labradoodle: $35.25/month 

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo has a reputation for speedy reimbursements via direct deposit, PayPal and Venmo. Furthermore, they will reimburse as much as 100% of veterinary fees for the remainder of the year once you meet your annual deductible. Individuals who insure multiple pets or renew their policy without having any claim reimbursements in the previous year are eligible for extra discounts. Labradoodle parents will be pleased to know they can take their dog to any licensed veterinarian.

    Keep in mind: Wagmo’s maximum lifetime benefits total is set at $100,000. If your Labradoodle’s reimbursed claims reach this amount, coverage will cease.

    Good for: Labradoodle parents who prefer a combination of emergency and wellness care insurance.  

    Average price for Labradoodle: $58.52/month 

  • 3. Figo

    (Best live vet support)

    Why it’s great: Figo gives Labradoodle owners free 24/7 veterinary consultations via the mobile app once they insure their dogs. They also have a diverse selection of optional wellness plans, including one that extends coverage for $250 prescription food. If that weren’t enough, all health plans come with unlimited lifetime benefits and have no cost caps for covering specific ailments. Better yet, Figo averages a quick claim review process of fewer than 3 days, meaning reimbursements are fast coming.

    Keep in mind: Figo does not cover pre-existing conditions.

    Good for: Labradoodle owners who want their insurance to include 24/7 veterinary telehealth services.  

    Average price for Labradoodle: $59.68/month 

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: The emergency fund protects up to 6 pets within a household for only $24 a month. Coverage is not restricted by age, breed or medical history either. In tandem with the emergency fund, Labradoodle parents will get access to free pet expert consultations and 24/7 telehealth services. Some additional perks of their coverage are that they allow pet owners to choose their veterinarians and require no credit checks, copays, or deductibles. Pawp will also pay your vet bill in full for approved emergencies before you leave the veterinary clinic, so you do not have to bother with filing a claim.

    Keep in mind: Pawp’s emergency fund covers only qualified emergencies as determined by the company’s virtual team of veterinarians. Be aware that this fund only provides for a single vet bill of less than $3,000 for one pet per year.

    Good for: Older Labradoodles as well as those with pre-existing conditions. Can serve as a solid supplement for traditional health insurance plans. 

    price: $24/month 

  • 5. Embrace

    (Best established brand)

    Why it’s great: One of Embrace’s most unique offerings is their “diminishing deductible,” meaning your deductible will drop $50 each time you renew your policy without having any reimbursements in the year prior. They also feature multiple pet discounts, unlimited lifetime benefits and a solid wellness package. Should you choose to add the wellness package to your standard policy, your coverage will also include alternative veterinary treatments such as reiki, acupuncture, chiropractic and massage therapy.

    Keep in mind: Embrace’s total maximum combined claims is $650 per year. Unused funds within your wellness plan will not be reimbursed at the end of your policy year.

    Good for: Labradoodle parents who want to avail their dogs of alternative veterinary care. 

    Average price for Labradoodle: $57.98/month 

Best Overall

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


Ultimately, we hope this article gives you further insight into the best pet insurance companies out there, so you can select the right health plan and provider for your Labradoodle. We recommend taking some extra time to look further into each of these companies before you apply for a policy for your best pal. The right pet insurance plan will support you and your Labradoodle during potentially challenging times, so you both can share many more fun-filled years together.