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Best Cavapoo Pet Insurance of 2023

Lisa Scott

A popular family dog, the Cavapoo is a crossbreed between a Poodle and a Cavalier King Charles Spaniel. Outgoing and playful, you can keep your dog healthy by investing in quality pet insurance. 

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

Overview

MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.

What we like

  • Older cats and dogs are covered
  • Customize your plan to fit your pet's needs and financial situation
  • Customers from US can get covered in Canada as well
  • Unlimited live vet chat if an issue occurs with your pet
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Is Cavapoo pet insurance worth it? 

Naturally charming and upbeat, keeping your Cavapoo in good health can require visits to the vet in cases of illness and accidents. 

As a cross-breed, a Cavapoo is likely to develop health conditions similar to that of Poodles and Cavalier King Charles Spaniels. Some of these health risks can be serious and it’s not always feasible to pay thousands of dollars out-of-pocket. 

Pet insurance can help alleviate the stress and ensure that you can provide adequate medical care for your dog, should an emergency, illness, or accident arise.

Common health conditions for a Cavapoo

A healthy Cavapoo can live a long and happy life of around 12 – 15 years. But, like other dogs, they can inherit and develop health conditions that can result in illness and need medical care. Some common health conditions a Cavapoo can experience are:

  • Mitral Valve Disease (MVD): MVD is a common heart defect and occurs due to a backflow of blood through the heart. Symptoms can include heart murmur and intolerance to doing exercise. Treatments are available through medication however occasionally it can result in sudden death due to heart failure. 
  • Hip Dysplasia: This condition is typically inherited from the Poodle parent. As joints in the hip grind together, it can cause serious problems where your dog has issues standing, walking, and doing exercise. 
  • Luxating Patellas: Dislocation of the kneecap, common amongst Cavapoos, your dog is unable to move their knee properly and can result in them limping. 
  • Entropion: This is believed to be a genetic condition that affects the eyelids where the lower or upper eyelids roll inwards. Treatment will depend on the severity of the case.

What does pet insurance cover for a Cavapoo?

Pet insurance covers a range of treatments and procedures for your Cavapoo. Based on your plan, you can receive coverage for the following:

  • Surgery and hospitalization: If your dog gets severely injured, surgery may be required to treat the health issue. Your dog may be required to stay overnight to recover.
  • Emergency care: Accidents can happen and emergency visits to the vet can quickly run into thousands of dollars. With pet insurance, you’ll be covered for treatments needed to bring your dog back to good health. 
  • Illness and accidents: If your Cavapoo has an accident or suddenly falls ill, coverage will take care of costs related to exam fees, diagnostics, and treatment.
  • Alternative treatments: Many insurance plans include alternative therapies. Some of these can include physical therapy, acupuncture, hydrotherapy, homeopathy, naturopathy, and chiropractic treatments. Each insurer will have its definition of alternative treatments, so it’s important to read the terms and conditions to understand exactly which treatments are covered. 

Pet insurance providers can offer two types of policies. Accident-only policies can be cheaper and will cover you for certain emergencies. Accident and illness policies provide more coverage for when your dog falls ill or has an accident. 

In addition, certain policies will have add-ons for dental care and routine check-ups which can help save costs in the long run.

How are insurance premiums determined for a Cavapoo?

Many different factors determine the cost of your pet insurance coverage. Some of these factors include:

  • Breed: Certain breeds can be more susceptible to illness and have different inherited conditions that can result in more health problems over time. This can result in a higher premium.
  • Age: For older dogs, you’ll pay a higher premium.
  • Insurance company: It’s important to shop around as prices will vary from one insurance provider to another. 
  • Annual coverage: Higher annual coverage will result in higher premiums. If your dog is more susceptible to illnesses and diseases, it may be a good idea to increase your coverage to give yourself peace of mind in the event of a health issue. 
  • Policy deductibles: Deductibles can be adjusted so the insurance premium better fits your budget. In general, a low deductible will be reflected in higher premiums. 
  • Zip code: Depending on the cost of veterinary care in your local area, premiums can increase if the costs of services are high. 

It’s important to note that policies do have limits. Exclusions typically include breeding costs, grooming, cosmetic surgery, and pre-existing conditions. 

How to choose the best Cavapoo pet insurance?

There are many options for pet insurance for Cavapoo owners and it can be tricky to find the best one suitable for your budget and your dog’s health needs. Here are some key factors to keep in mind as you are deciding on the best pet insurance plan:

  • Choose a policy for the long term: As your dog gets older, switching insurers can become more costly, and pre-existing medical conditions are unlikely to be covered. It’s a good idea to find a pet insurance policy that you’ll be willing to keep for the duration of the dog’s life. 
  • Waiting periods: Pet insurance normally comes with waiting periods and sometimes it depends on the type of claim that is made. For instance, for the same policy, coverage for illness may start after 15 days whereas coverage for knee conditions may have a 6-month waiting period. 
  • Make a fair comparison: It’s a good idea to shop around and make comparisons across policies. Unlike other insurance policies, it can be tricky to change your pet insurance plan as your dog gets older, as this is likely to result in higher premiums. Take your time and find the best plan for your budget and your Cavapoo’s needs that you’re happy to stick with over the coming years. 

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