Top 9 Pet Insurance Plans For Labradoodles (2022)


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The Labradoodle (Labrador/Poodle mix) is a relatively new breed, originating in 1989 in Australia. These dogs were initially bred as service animals for people with dog allergies. Today, the Labradoodle is extremely popular as a family dog, not just for their varying coat textures that result in less dander and shedding, but the breed’s friendly, playful personalities.

As great as this breed is, Labradoodles are prone to certain medical conditions. As a mixed-breed dog, the Labradoodle may be predisposed to diseases common in both Labs and Poodles. While several of these health issues can be expensive to treat, you may be able to cover the high costs if you invest in pet insurance for your dog early.

It’s easy to feel overwhelmed when it comes to choosing the right pet insurance plan for your beloved Doodle. This guide will help you select a plan that covers everything you want it to, so you can be there for your dog when they need you most.

Compare The Top 9 Pet Insurance Plans for Your Labradoodle Using our Free No-Obligation Quote Tool below

The simplest way to compare pet insurance prices is to use our tool below. The comparison tool will show you quotes from the top 9 pet insurance carriers, including Trupanion, Pets Best, Lemonade, ManyPets, FIGO, HealthyPaws, Prudent Pet, Spot, and Embrace pet insurance.

How Much Does Pet Insurance for a Labradoodle Cost?

Below are some sample pet insurance plans for a 1-year-old male Labradoodle using the zip code 75001 (Texas) as an example.

Ultimately, your plan’s premium will depend on several factors, including your dog’s age, size, and breed, as well as where you live. You also want to know what type of coverage your plan has and if it will help with Labradoodle-specific health problems. Let’s get more into those medical conditions and how much you can expect to pay to treat them.

Common Health Problems Associated With Labradoodles

Hip Dysplasia in Labradoodles

Hip Dysplasia is one of the most common orthopedic problems in larger breed dogs, including Labradors, Standard Poodles, and of course, the mixed Labradoodle. The hip joint is a ball and socket joint, and hip dysplasia causes malformation of the two components. That makes it difficult for your dog to walk, and the chronic laxity can cause abnormal wear, which leads to osteoarthritis.

The earlier you have your Labradoodle diagnosed, the better their outcome will be. Pet insurance often covers annual exams. If the condition worsens, it may require surgery.

Elbow Dysplasia in Labradoodles

The term elbow dysplasia represents several defects relating to the elbow socket. This condition occurs when the three bones making up the elbow joint don’t properly fit together, causing progressive arthritis and pain.

Elbow dysplasia can be challenging to detect initially because some dogs don’t appear to show symptoms. In others, it may manifest as a slight limp or lameness in the limbs.

Addison’s Disease in Labradoodles

Hypoadrenocorticism, aka “Addison’s Disease,” refers to low hormone output from the dog’s adrenal glands. These glands produce Cortisol and Aldosterone, both valuable hormones that play important roles in your dog’s overall body functioning.

A deficiency of cortisol and aldosterone affects your dog’s body’s ability to regulate sugar, fluid, and sodium levels. The impacts of this can range from weakness to shock and collapse.

Addison’s can look like a few other conditions, but these are notable symptoms to look out for:

  • Vomiting
  • Diarrhea
  • Increased thirst and/or urination
  • Shaking
  • Hair loss
  • Bloody stool
  • Irregular heart rate

Progressive Retinal Atrophy (PRA) in Labradoodles

Progressive Retinal Atrophy (PRA) is a degenerative eye disorder that leads to eventual blindness from the loss of photoreceptors at the back of the eye. Early on, PRA can affect your dog’s depth perception and make them hesitant to walk at night.

The condition can’t be cured, but an early diagnosis can help you prevent any accidents and start making your blind dog’s life easier.

Typical Costs Of Treating Health Issues In Labradoodles and How Pet Insurance Can Help

If left untreated, many of the health conditions listed above can result in long-term consequences and even required surgery, which ultimately makes them more expensive to manage. Selecting a pet insurance plan suited for your Labradoodle’s particular needs might save you tons of money on medical costs.

Here are just some sample veterinary expenses for Labradoodles:

  • Hip Dysplasia Costs: The cost of surgery for hip dysplasia can range from $4,000 to $6,000 per hip. Surgical options include Triple Pelvic Osteotomy, Femoral Head Osteotomy, and Juvenile Pubic Symphysiodesis, all costing thousands of dollars. Without surgery, your dog will suffer discomfort and eventually severe pain. Pet insurance may cover those costs.
  • Elbow Dysplasia Costs: Orthopedic surgery to correct the issue is pricey, ranging from $1,500 to $5,000 on average. Depending on the severity of the condition, your dog may not need surgery. Still, treatment for arthritis and other joint issues can be expensive. Your dog will likely require ongoing pain medications (~$20 – $50 per month) and joint supplements. The vet may also prescribe physical therapy, which could cost $50 per session. Pet insurance coverage will ensure you can help your dog through their joint pain.
  • Addison’s Disease Costs: As Addison’s Disease is usually not diagnosed until the disease reaches an acute crisis stage, Doodle parents will find themselves with high emergency bills right off the bat. Urgent care costs for dogs can range from $500 for outpatient treatment to $2,000-$3,000 for hospitalizations. Once your dog’s condition is stable, There’s the diagnostics: The vet will perform blood work to get a complete blood count (CBC) and potentially a urinalysis as well. To definitively diagnose Addison’s, your dog will need the adrenocorticotrophic hormone (ACTH) stimulation test (~$150). If your dog does have Addison’s, there’s no cure, and you’ll need to administer a replacement hormone medication for the rest of your dog’s life. Treating Addison’s Disease can become very expensive, so you’ll want pet insurance that covers the costs of medications and follow-ups.
  • PRA Costs: Sadly, there’s currently no effective treatment for PRA, but there are home adjustments and wearable halos to make your blind dog’s life more comfortable. Pet insurance can help you get the conditioned diagnosed as soon as possible to avoid accidents.

Knowing the signs and symptoms of these conditions common in Labradoodles can help you catch them early, saving your dog and your money. When in doubt, take your pup to the vet to have them diagnosed.

What Is Pet Health Insurance And Why Do I Need It For My Labradoodle?

pet health insurance works very similarly to human health insurance. Your policy quote will range in monthly price, depending on your dog’s breed, age, and where you live. Typically, you’ll spend around $15-$83 per month as a pet parent.

Pet insurance is mainly about peace of mind, knowing you won’t be totally overwhelmed in case of an emergency. Enrolling even when your dog is young and healthy will ensure you have plenty of coverage when they need expensive medical care later. If you choose a plan more suited to your dog’s particular breed, you’ll be more prepared when something happens later on in their life.

Some plans cover accidents and illnesses, while others only cover accidents. Certain plans do cover breed-specific illnesses, and others do not. It all depends on what type of coverage you choose. With our free pet insurance comparison tool, you can get quotes from multiple insurance companies with no obligations to commit.

Whatever plan you choose, you’ll feel better knowing you can take care of your dog when they need you most. Plus, you won’t have to suddenly shell out thousands of dollars. Learn more about how pet insurance works here.

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