2024 Best Pet Insurance for Golden Retriever

Last updated Feb 10, 2022

Are you a dog/cat owner or considering adopting? You've come to the right place! Check everything you need to know about Golden Retriever below to see if they're the great fit. We'll cover breed characteristics, personality, common health issues, care and sanitary information and pet insurance cost. While pet insurance usually doesn’t cover pre-existing conditions such as cancer, hip dysplasia, and sub-aortic stenosis, it helps cover the vet’s bills in case your pet gets sick or injured. The average pet insurance premium for dog is around $218.13 per year for accident only and $594.15 per year for accident and illness.

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Golden retrievers are intelligent, loyal dogs who make excellent family pets. They are one of America's most popular breeds due to their kind demeanor, gleaming coats, and endearing smiles.

They are especially popular with families with small children since they are outgoing, trustworthy, eager to please, and easy to train. Goldens' puppy-like personalities and distinctive smiles are typically carried over into adulthood.

Golden retrievers were bred to be working dogs, so they have a lot of energy and require a lot of action. They are best suited to owners who lead an active lifestyle and thrive in a home where someone is available to spend time with them during the day. They don't do well when left alone at home since they are too attached to their humans.

Common Health Problems/Possible Pre-Existing Condition

Health Problem Risk Medical Cost
Cancer $8,000-$15,000
Hip Dysplasia $1,500-$6,000
Sub-Aortic Stenosis $500-$1,500
Elbow Dysplasia $1,500-$4,000
Osteochondrosis of the Shoulder/Elbow $2,000-$4,000
Portosystemic Shunts $3,000-$6,000
Entropion $300-$1,500
Cataracts $1,500-$5,000
Ichthyosis $200-$1,000

Average Size and Life Expectancy


Average Pet Insurance Cost and Why Your Golden Retriever Need it?

The majority of our Golden Retriever pet parents spend between $39 and $86 per month for comprehensive accident and illness coverage.

Depending on where you reside, the age of your dog, and the policy settings you select, pet insurance may cost more or less. Golden Retriever policies can be more costly than mixed breed policies since Golden Retriever are considerably more likely than mixed breed dogs to file claims for inherited diseases that are expensive to treat.

According to the 2021-2022 APPA National Pet Owners Survey, the annual expenses of surgical vet visits for dogs is $458 on average and the average annual expenses of routine vet visits for dogs is $242. But if a pet becomes ill or has an accident, those expenses can increase drastically.

Every year, 1 out of every 3 pets will require emergency treatment. According to Petplan, the typical cost of unexpected veterinary care for pets ranges from $800 to $1,500 while around 61 percent of Americans do not even have enough money set up to meet a $1,000 emergency. You’ll always need a pet insurance to save your life because unanticipated crises and operations are the most unaffordable burden. Pet insurance won’t cover all the spending at the vet, but it can help you from going bankrupt in just a snap.

After you pay a deductible, which can vary from $0 to $1,000 or more depending on your plan, an insurance policy normally pays 70% to 90% of your costs.

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Care & Sanitary

Once or twice a year, goldens lose their thick, water-repellent double coat extensively, and they also shed more mildly on a regular basis. A good brushing out with a slicker brush once or twice a week will usually remove most of the dead hair before it falls onto the furniture. Brushing sessions become daily undertakings during periods of high shedding. Baths aid in the removal of dead hairs, but the dog must be thoroughly dry before brushing. Goldens, on the other hand, just require periodic bathing to stay clean. The Golden's nails, like those of all breeds, should be cut on a regular basis.

Other Tips to Save Money on Pet Insurance

  • Higher deductible
    Consider having higher deductible plan if you only make one or two claim annually. The higher your deductible, the cheaper your monthly premium will be. But if your pet needs to visit the vet on a regular basis, a high deductible could harm your pocket badly.
  • Lower reimbursement plan
    Limit the amount you get from insurer if you file a claim. Just like the higher deductible, it could decrease your monthly rates but also risky if your pet get seriously ill often.
  • Pay annually
    Some insurer are willing to provide discount if you agree to an annual payment.
  • Insure them in an early age
    The younger your pet, the lower the insurance rates will be. Young pets usually have fewer pre-existing conditions. Oftentimes, accidents can happen sooner than you think. Keep in mind that the insurers normally have an age limit(from 7 to 14 years old, depending on companies) that they will not accept your pet.
  • Shop around
    Always look for better deals. You may compare pet insurance quotes through comparison websites, just like you can with other insurance, but you should also do your own research.


Find the best and cheapest pet insurance

Compare the top insurance brands at once for free