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Golden Retriever Pet Insurance

Golden Retriever Insurance

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Breed Overview

Golden Retrievers are the 4th most popular dog in the United States. They are healthy breed an average lifespan of 10 to 12 years. However, as with any purebred dog, you should be prepared for some possible health issues and conditions.

Golden Retriever Health Issues

Each breed of dog, including mixed breeds, has their own hereditary problems and Golden Retrievers are no exception. The most important health issue to be aware of is cancer, which affects 75% of all Golden Retrievers. And, according to the Orthopedic Foundation for Animals, 19.4% of Golden Retrievers are dysplastic, which suggests that 1 in 5 Golden's are susceptible to hip dysplasia.

In addition to cancer and hip dysplasia, here is a list of potential health issues that you should be aware of as the owner of a Golden Retriever.

Condition Cost to Treat
Canine Cancer $5,000 to $20,000
Hip Dysplasia $4,000 to $6,000
Elbow Dysplasia $3,000 to $5,000
Cataracts $2,000 to $3,000
Foreign Body Ingestion $200 to $5,000
Progressive Retinal Atrophy $2,000 to $3,000
Subvalvular Aortic Stenosis $3,000 to $6,000
Von Willebrand Disease $500 to $1,000
Ichthyosis $50 to $200 per year
Masticatory Muscle Myositis $50 to $100 per month
Panosteitis Varies
Hypothyroidism $10 to $30/month
Broken Bones $500 to $2,000
Torn Ligaments $3,000 to $10,000 
Osteochondrosis $20 to $50 per month
Gastric Dilatation-Volvulus $1,500 to $7,500
Luxating Patella $1,500 to $3,000
Portosystemic Shunt $2,000 to $6,000
Entropion $300 to $1,500 
Epilepsy $200 to $15,000
Osteosarcoma $5,000 to $20,000



How Can You Protect Your GSP?


The only way to ensure you can provide the best care possible for your Golden Retriever is pet health insurance. Pet insurance covers up to 90% of your total vet bills for accidents and illnesses. Purebred dogs are highly susceptible to hereditary and genetic disorders like hip dysplasia, spinal stenosis and cancer. Here are the most popular pet insurance companies for Golden Retrievers owners.

As you can see veterinary treatment can be very expensive if your Golden Retriever gets sick or injured. Here is a list of the most popular pet insurance companies for Golden Retriever dogs based on coverage that matches their unique needs.

Best Pet Insurance for Golden Retrievers



Key Coverage to Consider


All of the top 5 best pet insurance companies cover major medical issues like accidents and illnesses. This chart provides a more detailed breakdown.

Coverage Standard
Emergency Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Prescription Meds
Routine Care O
Pre-Existing Conditions X

✓ = Included O = Optional X = Excluded

Note: Unfortunately, dog insurance does not cover pre-existing conditions, so it's important to enroll while your pet is healthy and young.

Pet Insurance Reviews

Golden Retriever at the Vet

See what these Golden retriever owners have to say about their experience with pet health insurance.

"Unexpected Vet Bills Really Added Up"

We took Rebo in for a routine annual exam and they found a growth behind his ear that caused our vet some concern. He suggested we get a biopsy to make sure the growth wasn't malignant or infected. They removed the growth in a simple, local anesthetic procedure and sent the tissue to a lab for tests..."

Read Rebo's full story

"A Great Claims Experience"

When I got Amos our breeder suggested getting pet health insurance. He explained that Golden Retrievers are susceptible to expensive health conditions, particularly cancer and hip dysplasia. I took his advice and enrolled Amos in the Petplan program based on a recommendation from my vet..."

Read Amos' full story

"Healthy Paws saved me $3,696 on Ginger's ligament surgery"

The last two Goldens we had were each diagnosed and subsequently passed from cancer. The first had a brain tumor at 11 and we tried chemo for 3 months but the meds made her sick and it was time. The second had stomach cancer at the age of 6 and we were able to treat her with surgery and chemo. She ended up living another 6 healthy, happy years. With those two dogs we spent over $20,000 on treatment and surgery..."

Read Ginger's full story


How Much Does it Cost?

Pet insurance company's rate based on your breed, age of your dog and where you live. In other words, the more expensive it is in your zip code the more you will pay because veterinary costs will be more expensive. It's exactly the same way auto and home insurance companies rate customers and generate prices.

Below are some samples across the country to give you an idea of how much it costs. The only way to know exactly how much a plan will cost is to get quotes for your Golden.

Portland, OR Austin, TX Albany, NY
$39/month $44/month $41/month

Source: Pet Insurance Cost

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