Pet Insurance Costs by Dog Breed
No premium, limit, benefit, waiting period or provider ranking on this page should be treated as current. Use the latest PDS, policy schedule and a personalised quote.
Last updated: June 11, 2026
Your dog's breed is one of the biggest factors in insurance pricing. Breeds prone to genetic conditions, hip dysplasia, or breathing problems attract higher premiums. Prices vary a lot by breed . and so do the insurers that make sense for each one.
📊 Breed Cost Comparison
| Field | Current source to check |
|---|---|
| Premium and fees | Personalised quote for the same pet and settings |
| Limits and benefit calculation | Current PDS and policy schedule |
| Waiting periods and eligibility | Current PDS and provider confirmation |
| Exclusions and pre-existing conditions | Current PDS definitions and policy schedule |
| Claims, cancellation and renewal | Current provider process and policy terms |
🔍 Breed Deep Dives
Provider documents to compare
Compare the current PDS, exclusions, eligibility rules and personalised quote for your circumstances; this guide does not recommend or rank a provider.
- Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
- Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
- Skin allergies . chronic conditions requiring ongoing medication
Compare the current PDS, exclusions, eligibility rules and personalised quote for your circumstances; this guide does not recommend or rank a provider.
🦮 Golden Retriever . Plan for the Long Game
This page does not publish that population estimate as current evidence. Ask a veterinarian about the individual animal and consult a current veterinary source for any statistic.
- Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
- Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
- Ear infections . chronic in floppy-eared water breeds
Compare the current PDS, exclusions, eligibility rules and personalised quote for your circumstances; this guide does not recommend or rank a provider.
🐩 Cavoodle . Popular, but Not Problem-Free
Australia's favourite crossbreed is generally healthier but still has specific issues:
- Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
- Mitral valve disease . heart condition in aging Cavoodles
- Dental disease . small mouths prone to overcrowding
Confirm current limits, sub-limits, benefit calculations, excess, co-payment, waiting periods, eligibility and exclusions in the provider’s current PDS, policy schedule and personalised quote.
Compare the current PDS, exclusions, eligibility rules and personalised quote for your circumstances; this guide does not recommend or rank a provider.