7 Best Bernedoodle Pet Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Bernedoodles make wonderful companions for just about anyone! However, like many dog breeds, they are susceptible to treatable medical conditions but can be an overwhelming financial constraint. The good news is, pet insurance is a wonderful option that allows you to provide the best care and treatment possible while helping you save money. As a licensed insurance agent and lifelong dog owner, I am here to make sense of the pet insurance landscape.

Read more about our unbiased ranking methodology and advertiser disclosure.

Top Bernedoodle Pet Insurance Scored, Ranked & With Cost

Use our below table to compare the best Bernedoodle pet insurance, providers quickly. The average monthly prices shown are based on a healthy 2-year-old Bernedoodle with a $500 deductible and 90% reimbursement amount located in California with a 90210 zip code. Costs may vary based on age, location, and coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR BERNEDOODLE

$28.50/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Bernedoodle Pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
pumpkin logo
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR BERNEDOODLE

$79.92/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cos
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR BERNEDOODLE

$122.06/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
aspca
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR BERNEDOODLE

$51.63/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • ASPCA is one of the most trusted names in the pet insurance industry. They have paid out almost $350 million dollars in claims since 2006
  • ASPCA is unique in that they offer affordable “accident-only” plans. Also, you can save 10% for multiple eligible pets
  • Founded in 1997 and underwritten by Crum & Forster
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR BERNEDOODLE

$61.26/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR BERNEDOODLE

$95.34/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR BERNEDOODLE

$119.34/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Bernedoodle Pet vets via video chat 24/7
  • They also have an easy-to-use pet records app and real-time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR BERNEDOODLE

$28.50/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Bernedoodle Pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

Bernedoodle Pet Insurance FAQs

What is pet insurance, and is it worth the investment for my Bernedoodle?

Pet insurance is a great way to offer peace of mind for you and your family, should any health issues arise with your beloved dog. By aligning with a pet insurance company, you will pay a monthly fee to keep your policy active, reimbursing you a portion of the cost of care upon submission of your claim. That small monthly investment can save you hundreds, or even thousands of dollars in unforeseen veterinary bills. As pet owner, we do not anticipate any of these medical issues, but we know certain breeds, like the Bernedoodle, can sometimes suffer from conditions that are out of our control. Your pet insurance policy will help you provide the necessary care your dog deserves while avoiding unnecessary financial stress.

What is the proper age to insure my Bernedoodle?

It is important to insure your dog as soon as possible. Most insurance providers require that your new family member should be at least 8 weeks old before they will provide coverage. Typically, when your new puppy is coming home, that is the best time to start your policy. Be sure to do your research while your dog is weaning, and in the breeder’s care. That way, you are set when they come to their forever home.

What are a few common insurance claims for the Bernedoodle?

Health conditions may be inevitable with any large dog breed, but some treatments can help create a happy and healthy life for your pet. Hip dysplasia, bloat, and retinal atrophy are a few of the issues that can occur. With any chronic or acute condition, including broken bones, illness or injury, veterinary care is necessary and can be expensive.

What services are typically covered by insurance? What services are excluded from coverage?

Though dog insurance policies can vary greatly, they typically cover care associated with illnesses or unforeseen injuries. Some of these services that may be covered include, but are not limited to infection, broken bones, acute illnesses, chronic conditions not deemed pre-existing, preventative care, medications, and hospitalizations. Some services may be excluded, but that varies by plan. Most dog insurance policies will not cover pre-existing conditions, making early enrollment extremely important.

Does pet insurance cover dental work?

Each plan varies, but some insurance covers dental wellness and illness or injury. It is important to review each policy’s coverage to determine what’s best for your dog.

Can I use a veterinarian of choice, or are there insurance-approved options?

Most typical plans are accepted at any licensed veterinary clinic, including specialty or emergency service clinics.

Are there discounts for insuring multiple pets?

Many plans offer a multi-pet discount. When enrolling your new pet, please verify with your insurance to see if you qualify for a multi-pet discount.

Who pays for services at the time of veterinary care?

Most typical pet insurance plans utilize a reimbursement method for payment. You would pay for services up front and submit a claim to the insurance company after services were rendered. Payment will then be made to you, dependent upon your reimbursement rate and deductible.

How should we choose from a high or low-deductible plan?

With many dog insurance plans to choose from, it is important to understand your financial situation. A high deductible plan typically equates to lower monthly premiums. Some have enough in savings to cover a high deductible, should their pet need immediate care. Others choose a low deductible plan, which means their premiums are higher, but they do not have to pay a large lump in the form of a high deductible. There is no right or wrong plan. It’s the “best plan that works for you.” Ultimately, the end result is the same regardless of your chosen plan. And that means, a healthy pet and a healthy wallet for you!

5 Tips for Keeping Your Bernedoodle Safe and Healthy

Pet insurance is a great financial safeguard for you and your family. However, there are many things that you can do daily to ensure your Bernedoodle lives a happy and healthy life! Below are a few tips.

1. Daily Exercise

Bernedoodles love being outside and are very active dogs. To combat boredom and destructive behavior, daily exercise is a great way to keep them in shape, at the proper weight, and helps keep their muscles and joints strong and healthy. Lastly, exercise is a great way to support good cardiovascular health.

2. Proper Nutrition and Food Intake

It is recommended to feed your Bernedoodle high-quality food twice per day to avoid the possibility of bloat. Some foods may aggravate certain skin conditions or allergies. Contact your veterinarian for food recommendations.

3. Early Socialization

Early socialization is extremely important with your Bernedoodle, as they tend to be a bit wary of strangers. Socialization will help acclimate your pup to other people and situations, making them less fearful.

4. Training

Positive reinforcement training works best for Bernedoodles, as does consistency. Starting when they are young yields the best results. They are extremely intelligent dogs and eager to please.

5. Regular Grooming

Some Bernedoodles will require daily combing to keep their coats healthy and mat free. It is important to start this process early so they become accustomed to this routine. Nail care is very important as well. Many auto-stop trimmers are on the market, but you may also turn to the experts to help keep your dog’s nails short and smooth.

Conclusion

Enrolling your Bernedoodle into a pet insurance plan can seem daunting. However, the benefits of having a money-saving plan in place outweighs the small upfront effort. While we do not think about illness or injuries when we bring a new dog into the family, it is something to consider so we can avoid costly veterinary visits later, while ensuring the best possible care for our beloved dog.

After extensive research, we conclude that Lemonade pet insurance offers the best dog insurance policy at the lowest monthly for Bernedoodle.

SwiftScore Ranking Methodology for Bernedoodles

We ranked the best pet insurance policies for Bernedoodles based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Bernedoodle with a $500 deductible located in the 90210 zip code
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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