Golden Retriever Pet Insurance Cost

Heres Some Of The Best Pet Insurance Options For Your Golden Retriever:

Pro Tip: While pricing will depend on yourdogs breed, age, location, and more – its important to not only look at what your pet insurance policy will cost today, but tounderstand what it will ultimately cost across the lifespan of yourGolden Retriever. Different policies will have different rates at which your premium may increase, and these vary across providers.

To put it simply, the policy that looks cheaper today might not be the best bang-for-your-buck in the long run. Without Pawlicy Advisor, these fine-print details are too hard to find .

With Pawlicy Advisor, you get a personalized Coverage Score and Lifetime Price Score for hundreds of policy variations for your Golden Retriever from top pet health insurance companies, all in one place.

Heres what makes Pawlicy Advisors marketplace the perfect pet insurance comparison tool when shopping to protect your Golden Retriever:

• Coverage Score: This score is calculated by comparing the kinds of coverage offered with other insurance offerings.
• Lifetime Price Score: Insurance companies all charge a different amount to insure your Golden Retriever each year. We crunch the numbers to figure out how much we expect each plan to cost over your dogs lifetime.

Rest assured that all quotes you see from Pawlicy Advisor are pulled in real-time. We connect directly with our insurance partners to make sure you get the best price, with no hidden fees.

How Much Is Pet Insurance For A Golden Retriever

Several factors determine golden retriever pet insurance cost. These include the health insurance company you choose, the type of policy, age of your dog, deductibles, and any pre-existing medical conditions.

For instance, lower deductibles can bring down your premiums considerably. However, you will be required to pay this figure upfront before the insurance kicks in. You may also choose higher premiums and avoid paying a lump sum.

Bear in mind that rules for coverage limits and deductibles vary. When considering insurance premiums, consider not only the monthly costs but the total amount you will be required to pay out of pocket. You will also need to consider the total amount of care the policy will pay for.

Generally in New York City, an insurance policy for a golden retriever can cost anywhere from $49 to $111 per month for a six-month-old dog. If the canine is five years old, the insurance can cost from $66 to 135 per month.

The golden retriever pet insurance cost in Thomasville, AL, ranges from $27 to $39 per month for a dog aged six. For a five-year-old dog, the insurance premiums can be between $36 and $72.

Why Is Pet Insurance For Golden Retrievers Important

Health insurance for your Golden Retriever is crucial because it can keep you from spending a fortune on unexpected vet care.

Like all other purebred dogs, the Golden Retriever has certain genetic conditions its at higher risk for.

Luckily, pet insurance covers hereditary and congenital conditions as long as they arent already symptomatic. You should purchase a pet insurance plan as soon as possible to get coverage on costly diseases your dog could develop during its lifetime.

Here are some health problems that commonly affect Golden Retrievers:

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Most Insured Pet Breeds

Medium-sized mixed breed dogs and domestic shorthair cats are the most insured pets, based on pet insurance quote data from Petinsurer.com. Golden Retrievers , Goldendoodles and German Shepherds are the most insured purebred dogs, based on the percentage of quotes. Among cats, Siamese , Maine Coon and Ragdolls are the most insured purebred cats.

While some breeds of dogs and cats may be predisposed to certain types of problems, such as hip dysplasia, you and your furry companion could both benefit from a pet insurance plan, no matter the breed. Thats because it covers medical expenses for unexpected health problems, such as cancer and torn knee ligaments.

What Does A Golden Retriever Look Like

The most famous physical trait of the golden retriever is, of course, their beautiful golden coats. Their coats can be either wavy or flat. They are very dense and waterproof.

Goldens are relatively large dogs, and they need space to romp. Goldens are usually longer dogs, and they have an athletic build.

They have broad heads, and their ears are floppy. Goldens tend to have bright expressions they are very happy-looking dogs.

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Pet Insurance For Golden Retriever Accidents

According to a survey conducted by the American Pet Products Association, nearly 70% of households in the U.S. own a pet, and its estimated that 1 in 3 will need emergency veterinary treatment every year. So, how does that translate to Golden Retriever numbers?

There are roughly 90 million dogs in the U.S., out of which approximately 6.1% are Golden Retrievers., This gives 5.4 million Golden Retrievers in the U.S. alone. So, at least 1 in every 3 Golden Retriever dog parents will be seeking emergency veterinary help this year for their dogs.

This could lead to huge vet bills. In fact, the average cost of unexpected veterinary care for dogs is between $800 and $1,500.

Even scarier is that only 40% of Americans dont have enough savings to cover a $400 emergency, says the Federal Reserve.

Having a good pet insurance plan will cover the majority of the vet costs as most pet insurance policies reimburse up to 80% of total vet expenses after deductibles.

Is Pet Insurance Tax Deductible

Pet insurance is not tax deductible.

If you are visually impaired, hearing disabled or have other physical disabilities, you may be able to deduct certain expenses for a guide dog or service animal, including the costs of buying, training and maintaining the animal, according to IRS publication 502. This generally includes costs such as food, grooming and veterinary care.

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Buyers Guide: Choosing The Best Pet Insurance Plan For Your Golden Retriever

Pet insurance varies a lot. Of course, you need to keep coverage and price in mind. However, there are other factors that are vital, too. For instance, how fast a company pays out is vital. After all, you dont want to be waiting for 6 months for your repayment.

Lets take a look at some features you should keep in mind.

Pet Insurance Costs Depend On Coverage

As we’ve seen, pet insurance prices can vary by breed, with average monthly premiums ranging from roughly $30 to $100 for dogs and $25 to $42 for cats. These premiums are average for accident and illness coverage. Keep in mind, however, that you could pay less or more than these amounts, depending on the coverage options you choose.

For example, many pet insurance providers offer accident-only coverage for as low as $15 per month for dogs and $7 for cats. Depending on your insurer, you may be able to purchase a preventative care add-on for exams, vaccinations and other services. Additionally, you can adjust your annual benefit amount, deductible, and reimbursement percentage to dial in coverage that meets your needs and budget.

While most insurers only offer pet insurance for dogs and cats, some can help you save money on veterinary bills for other animals. Here are the average monthly premiums for the following animals, according to Nationwide.

• Exotic Pets: $9

If you can afford the monthly premium, purchasing pet insurance may make sense to protect your animals and help you save money on vet bills. Speak with a pet insurance pro today who can help you get started.

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How Much Is Pet Insurance For A Golden Retriever Puppy

There is no definitive answer to this question as it depends on a number of factors such as the age and health of the puppy, the coverage you require, and the insurer you choose. However, as a general guide, you can expect to pay anywhere from $20 to $100 per month for pet insurance for a golden retriever puppy.

In the United States, golden retrievers are one of the most popular dog breeds. They are not only prone to health problems, but they can also have a sizable financial impact on your veterinarian. This adorable breed suffers from a variety of common conditions, and they should be protected against them. Overweight dogs are less likely to live beyond the age of five. Genetics is frequently to blame for hip/elbow Dysplasia, which is caused by a faulty alignment of the bones and joints. These conditions are more common in specific breeds, as well as certain lineages.

Healthy Paws: Best Coverage Limit

Though Healthy Paws doesnt offer wellness coverage or many customization options, we scored it a 93.5 out of 100 for its affordable unlimited coverage caps. Its policies dont have any lifetime, annual, or per-incident payout limits, meaning youll never run out of coverage. We recommend this provider to pet parents who dont want to worry about maxing out their coverage or overpaying for a coverage plan.

Pros & Cons of Healthy Paws Pet Insurance

Has a fast claims process Offers a 30-day money-back guarantee Includes a helpful online quote tool and customer portal for policy management

Doesnt cover exam fees or behavioral therapy Doesnt offer any discount options

Healthy Paws Plans and Coverage

Healthy Paws has one plan covering accidents and illnesses, such as chronic conditions, congenital conditions, hereditary conditions, broken bones, and cancer. It covers unlimited payouts for vet bills from treatments and procedures, such as diagnostics, surgery, hospitalization, X-rays, blood tests, ultrasounds, emergency care, specialty care, and alternative treatments.

Healthy Paws excludes preexisting conditions that arise before enrollment or during the 15-day waiting period. It also doesnt cover hip dysplasia until after the first 12 months of your policy. Finally, coverage excludes wellness and routine care, elective procedures, spaying, and neutering.

Get a quote: To get a free quote from Healthy Paws, use this easy quote tool.

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How Pet Insurance Costs Are Determined

The type of pet is just one factor in the cost of pet insurance. For example, cats are generally cheaper to insure than dogs, and birds, ferrets, rabbits and reptiles are cheaper to insure than cats.

Here are some common factors that determine pet insurance cost:

• Pets breed. Certain breeds are predisposed to illnesses and hereditary problems, which often means more veterinary visits and higher medical expenses.
• Pets age. Older pets are more expensive to insure than younger pets. We found the best prices were after a pets first birthday until around age six. As the pet gets older, your pet insurance premiums could increase when you renew the policy.
• Pets gender. Insurers have found that male pets usually have a higher number of claims than females, so some use gender in pricing. Female pets cost about 5% less than males for pet insurance, according to the National Association of Insurance Commissioners.
• Your location. Veterinary costs vary by location, so pet insurance plan costs account for that.
• Annual maximum, deductible and reimbursement level. These are the three main variables that determine your reimbursement level when you have a claim. You will pay more if you select a high annual maximum, low deductible and high reimbursement level. For example, a plan with unlimited annual coverage, a low deductible and a 90% reimbursement level would be most expensive each month because it has the potential to pay out much more.

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Expensive Dog Breeds To Insure

The most pricey breeds to insure with dog insurance are those known to be susceptible to numerous health conditions. According to LendEDU’s analysis, these three breeds carry the most expensive pet insurance premiums:

Newfoundlands and Dogue De Bordeaux are massive canines, weighing up to 150 and 140 pounds, respectively. Newfoundlands are known to be friendly with children, but sadly, the breed often deals with numerous hereditary health issues later in life. Hip dysplasia, heart valve narrowing and kidney stones are a few health issues “Newfies” face.

For their part, Dogue De Bordeaux are large mastiffs who are outstanding guard dogs, but many battle tricuspid valve dysplasia, heart valve narrowing and lower eyelid droop.

The Jack Russell Terrier is a small, high-spirited breed that only weighs 13 to 17 pounds and has an average lifespan of 10 to 15 years. So why is it one of the most expensive dog breeds to insure? Even though Jack Russell Terriers live long, healthy lives, they may develop health issues associated with the breed, including deafness and patellar luxation, which may require surgery.

With the higher average monthly premiums for these dog breeds, it may make sense to purchase pet insurance to offset care and treatment costs. Speak with a representative who can help you find a cost-effective plan.

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Best Pet Insurance Companies Of December 2022

Andrea Agostini FerrerClaudia Rodríguez HamiltonPaul ReynoldsAndrea Agostini FerrerGabriel Rodriguez35 min read

• Up to 90% reimbursement on eligible vet bills
• 10% multi-pet discount and access to VetAccess 24/7 vet helpline
• Exclusive training content from world-renowned behaviorists
• Visit any U.S. licensed veterinarian or specialist
• Accident, illness, and optional preventive care coverage available
• Free Pet Insurance Quote in 30 Seconds

• Coverage starting at as little as $10 per month
• Standard policies cover accidents and illness
• Diagnostic and surgical procedures, hospitalization, and precriptions covered
• Optional preventive care policy available
• Quick claims payment
• A portion of proceeds donated to pet-centric charities
• Easy-to-understand policies
• Live chat with veterinary experts through mobile app
• Bundle with Lemonade renters or homeowners insurance for discounted rates

• Comprehensive coverage, tailored to your pet
• Up to 100% reimbursement, depending on plan
• $5000, $10,000, and unlimited benefit plans
• Add power-ups like Wellness, Veterinary Exam Fee Coverage, or the Extra Care Pack to your plan
• No lifetime maximums
• Plans averaging less than $1.50 per day
• Discounts for veterans and active service members

• Comprehensive coverage at affordable prices
• Choice of deductibles from $50 to $1000
• Three reimbursement levels: 70%, 80%, and 90%
• No upper age limit on enrollment
• Choose $5000 annual or unlimited benefts
• 24/7 veterinary support line for all customers

Expensive Cat Breeds To Insure

So what feline breed comes with the highest cat insurance costs?

Besides being beautiful, family-friendly cats, Abyssinians have a ticked coat pattern like mountain lions and other wildcats. While these cats can live up to 15 years and beyond, they can inherit serious health issues like upper respiratory infections, inflammatory bowel disease and mycoplasma, a red blood cell disease.

Persians are known for their striking beauty and their upturned noses. But the shape of their noses often constricts their breathing and can even lead to respiratory health issues. Persians are also known to develop eye issues such as cherry eye, slippage of a cat’s third eyelid, and entropion .

Did you know it takes a Ragdoll cat four years to grow to its full size, up to 20 pounds for boys and 15 pounds for girls? Unfortunately, these friendly felines commonly deal with kidney disease, stomach issues and heart murmurs.

Sadly, diseases and illnesses aren’t the only causes of cat insurance claims. Cats have a curious nature which often leads them to injury-causing accidents. While we don’t like to think about such a tragedy impacting our furry loved ones, having pet insurance may be worth it to help bring down the costs of veterinary care and treatment.

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Check The Pet Insurance Waiting Periods

A waiting period is the time between the policy purchase date and when the coverage begins. Every pet insurance company has waiting periods. Make sure you find one youre comfortable with. For example, Embrace has a waiting period of only two days for accident coverage. Other plans, like ASPCA Pet Health Insurance, have 14 days.

Also, be careful about special waiting periods for certain conditions, such as cruciate ligament issues. For example, Embrace has a six-month waiting period for orthopedic conditions for dogs but ASPCAs plan does not have a waiting period for orthopedic conditions or any other specific issues.

Common Health Conditions For A Golden Retriever

Even if you are taking great care of your Golden Retriever, there may come a time later in your pets life when some health issues arise. The most common medical conditions Golden Retrievers experience include:

• Hip dysplasia: considered one of the most common issues in Golden Retrievers. Hip dysplasia occurs when a dogs hip socket becomes deformed or their bones wear unevenly. This causes the ligaments to become stressed and damaged. Common side effects of hip dysplasia include joint inflammation, stiffness, and bone degeneration. Hip dysplasia often requires surgery to correct.
• Cataracts: causes a white or yellow film to develop over the eye. The only way to correct cataracts in dogs is to undergo invasive surgery. Cataracts can also cause a dog to go completely blind in the affected eye.
• Respiratory conditions: Golden Retrievers are susceptible to a number of respiratory issues, more commonly subvalvular aortic stenosis . This reduces the amount of oxygenated blood from the dogs heart to their body, and lead to risk of a heart attack and sometimes death. Medication may be able to help this ongoing issue.

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