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5 Best Pet Insurance for Poodles (2022 Reviews)

Poodle dog insurance
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Poodle owners across the United States know that their best buddies will inevitably face veterinary emergencies at some point in their lives. As a result, many seek the protection that pet insurance provides. With such a financial safety net in place, you’ll be able to get your dog life-saving operations and treatments should they ever need them. Since we know how much you love your best friend, we have researched the best pet insurance companies specifically for Poodles.

poodle pet insurance
Freshly groomed and cute as can be :)

5 Top Pet Insurance Companies Compared for Poodles

  • 1

    Best overall

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

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

    Monthly rates for Poodle pet insurance can cost anywhere from $29.08 to $67.31. Providers calculate premiums using several factors, including but not limited to your dog’s age, breed, medical history, and average veterinary care costs in your state.

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

    No pet insurance plan is the same between companies. Still, on the whole, they all tend to cover accidents or illnesses that qualify as sudden and catastrophic. In such events, you can expect that emergency care, physical exams, tests, other diagnostic procedures, medications, and surgery will fall under coverage.

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

    You may cancel your Poodle’s dog insurance policy at any time. Verify with your provider about how they require you to do so. Some may allow you to initiate the process over the phone, while others may require you to do so in writing.

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

    Standard pet insurance policies generally do not include spaying and neutering. That said, should your Poodle need one of these procedures, Embrace has a wellness plan add-on that will cover it.

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

    You can expect that the cost of your Poodle’s pet insurance will go up over time, and rate increases will become most noticeable once your dog turns 4 or 5 years old. A rise in premiums allows pet insurance providers to offset the elevated risk that your best buddy will develop a chronic condition or illness.

  • 6. Which companies cover pre-existing conditions?

    It is important to note that pet insurance providers generally do not cover pre-existing conditions. However, Pawp is an exception to the rule, especially in emergencies. Embrace will also cover some such conditions that they deem curable. We recommend contacting both of these companies to get a clearer picture of what their plans include and exclude. The good news is that should your Poodle have a pre-existing condition, it will not make them ineligible for coverage.

  • 7. Is pet insurance worth it for Poodles?

    Pet insurance can benefit Poodles because they are vulnerable to experiencing medical emergencies and developing chronic conditions like other breeds of dogs.

    One such condition known to plague Poodles is gastric dilatation-volvulus (GDV), in which severe bloating occurs and the stomach twists. This is a life-threatening condition that is noticeable not only by the obvious bloating but also by your Poodle’s pacing and retching or vomiting. Death can occur within 6 hours if your dog does not receive immediate help. The surgery needed to save your dog’s life, in this case, can cost up to $7,500.

    Another affliction common in Poodles is hip dysplasia. This develops when the femur bone does not fit properly into the hip socket, causing severe arthritic pain. If left untreated, your dog will struggle to walk and may end up unable to climb stairs. Hip replacement surgery is often the most successful course of action and, like GDV surgery, can run as high as $7,500.

More Details About Pet Insurance for Poodles

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade tops our overall rankings because of the multitude of advantages they offer Poodle parents. Some examples are discounts for multiple pets, affordable rates, and comprehensive coverage for accidents and illnesses. They have also simplified the claim-filing system, which is now available on their world-class mobile app. Furthermore, they have an incredibly short waiting period of only 2 days. Also, should you decide to purchase renters’ or homeowners’ insurance along with your dog’s policy, Lemonade will give you a discount.

    Keep in mind: To receive an active policy, Lemonade may require you to submit veterinary documentation if your dog has a pre-existing condition.

    Good for: Most Poodles, especially those that are young and in good health. 

    Average price for Poodles: $29.08/month 

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo promotes wellness by reimbursing up to 100% of vet fees after you’ve met your deductible. They are also well-known for the super-speedy reimbursements issued via direct deposit, Venmo, or PayPal. Poodle owners will appreciate the freedom to choose their dogs’ veterinarians as well as discounts that come with renewing their policies if they didn’t have any claim reimbursements in the previous year.

    Keep in mind: Wagmo’s limit on lifetime benefits is $100,000. If your Poodle’s vet fees eventually exceed this amount, they will no longer be eligible for coverage.

    Good for: Poodle parents who want their insurance to cover a balanced mix of emergency and routine care.  

    Average price for Poodles: $61.76/month 

  • 3. Figo

    (Best live vet support)

    Why it’s great: Dog owners will love Figo’s free remote veterinary support services, accessible around-the-clock on the mobile app. Another important feature of their coverage is that all plans come with uncapped lifetime benefits. This means that your Poodle will be able to retain coverage regardless of how expensive their care may become over the years. They also have various optional wellness packages add-ons, including one that covers $250 of prescription food should your vet ever deem it necessary. Figo also takes pride in their claim-review process averages less than 3 days.

    Keep in mind: Coverage does not extend to pre-existing conditions.

    Good for: Poodle owners who prioritize having free remote veterinary support services included with their dogs’ coverage. 

    Average price for Poodles: $51.82/month 

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp takes a unique approach to pet insurance by giving pet parents an emergency fund to protect as many as 6 of your pets for only $24/month, irrespective of age, breed, or medical history. Unlike conventional pet insurance policies, Pawp does not require copays, deductibles, or credit checks. Moreover, they guarantee payment of any bills for approved emergencies before you and your Poodle leave the vet clinic.

    Keep in mind: The fund only covers true emergencies as qualified by Pawp’s virtual team of veterinarians. More specifically, it only allows a single vet bill under $3,000 for one of your pets in any given year.

    Good for: Older Poodles or those with chronic conditions. Makes a good supplement to traditional pet insurance policies as well. 

    Price: $24/month 

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace gives pet parents several perks, including unlimited lifetime benefits, multiple pet discounts, and diminishing deductibles. Your diminishing deductible will drop by $50 every year that you renew your policy without having claim reimbursements in the year prior. Embrace also has a wellness plan add-on that extends coverage to new age, alternative veterinary care such as reiki, acupuncture, chiropractic, and massage therapy.

    Keep in mind: The maximum combined claims amount is $650 per year. Any unused funds will not be reimbursed.

    Good for: Poodle owners who want access to a dynamic wellness package that provides coverage for alternative veterinary treatments.  

    Average price for Poodles: $67.31/month 

Best Overall

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


We hope this article has given you the insight you need to select the right pet insurance provider for your beloved Poodle. Pet insurance can help alleviate the financial stress of veterinary emergencies. It also ensures you can get your dog the best treatment whenever they may need it. It can also provide extra support for both wellness and preventative care. Ultimately, we hope that you can add life to your Poodle’s years and years to their life with the right pet insurance plan.