7 Best Cavachon Pet Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Cavachon dogs are a mix of two toy breeds – the Cavalier King Charles Spaniel and the Bichon Frise. A relatively new breed developed in 1996, they are sometimes known as a Cavalier-Bichon or a Bichon-King Charles. If you are worried about veterinary bills piling up as you care for your Cavachon dog, you might be interested in pet insurance. Finding a good dog insurance plan can help you cover some of the out-of-pocket costs you might incur at your veterinarian’s office. There are many different pet insurance providers on the market today. They offer a range of coverage options and plans for all dog breeds, including Cavachon dogs. In the article below, I’ve compiled some general information about pet insurance and some breed-specific tips to help you care for your Cavachon dog. I hope you find some of the information helpful as you begin your research into pet insurance. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Cavachon Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Cavachon pet insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Cavachon with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the 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 CAVACHON

$28.50/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Cavachon 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
4.7
  • 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 CAVACHON

$49.18/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
aspca
4.7
  • 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 CAVACHON

$31.77/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
4.6
  • 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 CAVACHON

$106.73/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
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 CAVACHON

$42.70/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Cavachon 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
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 CAVACHON

$57.53/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
4.5
  • 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 CAVACHON

$59.68/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

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 CAVACHON

$28.50/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Cavachon 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

Cavachon Pet Insurance FAQs

What is dog insurance? Do I need it for my Cavachon dog?

In simple terms, dog insurance helps dog owners pay for medical expenses for their pet in the same way that your health insurance covers part of your medical bills. Even if your Cavachon dog is young and healthy, you could still benefit from enrolling in dog insurance. Many insurance plans cover preventative care, like dental cleanings, which is especially helpful with small dog breeds and veterinary treatment for unexpected illnesses or injuries that can affect any dog. As noted previously, Cavachon dogs have some breed-specific health concerns, so having a good, basic dog insurance plan in place could save you thousands of dollars.

When should I start coverage for my Cavachon dog?

Most breeders and veterinarians recommend that your puppy be at least eight to ten weeks old before you bring him home. Many dog insurance providers will not offer coverage for puppies younger than eight weeks, but you should always check with your chosen insurance provider about specific age requirements. Enrolling your Cavachon dog in a good insurance plan as soon as possible is a great idea to make sure the coverage is there before you actually need to use it for any unexpected illnesses or injuries.

Are there common issues with Cavachon dogs that I might need coverage for?

As mentioned previously, Cavachon dogs can sometimes be prone to mitral valve disease, which also affects Cavalier King Charles Spaniels. With mitral valve disease, the valve between the atrium and the ventricle on the left side of the heart fails to close completely, which allows some blood to leak back into the atrium. This abnormal flow of blood results in a heart murmur. Left untreated, the disease can eventually cause congestive heart failure. Your veterinarian will check your Cavachon dog annually for a heart murmur. If detected, he will likely use an ultrasound for further diagnosis. In addition to mitral valve disease, many small dog breeds tend to suffer from obesity, patellar luxation, which is knee caps slipping out of position, and dental issues. For your Cavachon dog, it might be a good idea to get insurance coverage for diagnostic procedures like x-rays and ultrasounds, preventative procedures like dental cleanings, physical therapy, and prescription medicine.

How can I make sure my veterinarian’s office will accept my insurance for my Cavachon dog?

Fortunately, you can benefit from dog insurance for your Cavachon regardless of what veterinarian’s office you use because dog insurance works on a reimbursement model. A reimbursement model means that you pay your veterinarian directly for medical services up front, and then your insurance provider reimburses you for some of those costs. Simply take your Cavachon dog to the vet for his annual check-up or if he’s sick or injured. Pay your bill, and then submit a reimbursement request to your insurance provider. Once they have reviewed your request, they will send you the appropriate amount of money back based on the rates and coverage of your chosen plan.

What types of deductibles are available for dog insurance plans? Which should I choose?

As with other types of insurance, dog insurance can come with various choices when it comes to your deductible, including high, low, or sometimes even no deductible. Although any of these options can be the right one, depending on your preferences and situation, you might consider your dog’s health when making your decision. If your Cavachon dog is older or prone to health problems, you might want to choose a lower deductible even though it will also mean you’ll be paying a higher monthly premium. On the other hand, if your finances are currently tight, you might choose a plan with a higher deductible and lower monthly payment.

5 Useful Strategies for Keeping Your Cavachon Dog Safe & Healthy

Compact, spunky, and full of fun, the Cavachon dog is a very popular breed that generally lives 10-12 years, but has been known to live as long as 20 years. To make the most of your years with your Cavachon dog, the following tips may help you give your pet the longest, healthiest, happiest life possible:

1. Grooming

Cavachon dogs usually have medium length coats that are fairly easy to groom. Brushing three to four times a week will keep the coat clean and free of mats and will help minimize shedding, but don’t bathe your dog too often because it will strip the natural oils from the skin. It’s a good idea to take your Cavachon dog to a professional groomer every two to three months for a trim.

Aside from the coat, Cavachon dogs require a bit of attention to the ears and the eyes. Because hair grows into their floppy ears, Cavachon dogs are prone to ear infections. To address this issue, just be sure to clean weekly with a dog ear cleaning solution and a warm cloth. Gently cleaning underneath the eyes with a warm washcloth or tear-stain wipes is also recommended to prevent sticky discolorations around the eyes.

2. Nutritious Diet

In general, this small breed only needs about a cup of food per day, but because they have a faster metabolism than bigger dogs the food should be higher in fat and protein. Ranging in size from around 15 to 30 pounds, Cavachon dogs are prone to obesity if overfed. One way to check if your Cavachon is overweight is the eye and hands-on test. You should see a discernible waist as you look down at your dog from above. Putting your hands on their back and running your thumbs down their spine with your fingers spread downward, you should be able to feel but not see their ribs without pressing hard. If you can’t feel the ribs, you should decrease the amount of food and increase the amount of exercise for your dog. Always check with your veterinarian about recommended types and quantities of food and any changes to your dog’s diet.

3. Love and Affection

Extremely popular with families, the Cavachon dog breed loves children and thrives on lots of attention. In fact, the Cavachon dog loves everyone and is very social, making them excellent therapy dogs but less than optimal guard dogs. If you travel for work or are away from home often, your Cavachon dog might suffer from separation anxiety, resulting in destructive behavior. You might consider having more than one dog so they can keep each other company.

4. Exercise

Most Cavachon dog owners report that the breed has medium energy levels and is satisfied with daily walks ranging from half an hour to an hour. Since Cavachon dogs make friends with everyone they meet, your walks might take a little longer than expected. Given their small size and moderate energy, Cavachon dogs are well-suited to apartment life but also enjoy houses with small or large yards.

5. Hit the Road

The adaptable and easygoing nature of Cavachon dogs makes them excellent travel companions. Unlike some other small dog breeds, Cavachon dogs are not yappy, so you don’t have to worry about them annoying neighbors in hotel rooms or RV parks. It’s a good idea to bring a kennel or enclosure with you for times you cannot leash your Cavachon dog since they are prone to run off to greet new friends.

Conclusion

You give your canine companion shelter, food, love, attention, and regular annual check-ups with a veterinarian. Sometimes your Cavachon dog might also need medicine or treatments when they are sick or injured, which can end up being expensive, but dog insurance can help ease your mind about covering the costs. The first step is researching the options available to you regarding insurance providers and coverage.

After extensive research, we conclude that Lemonade pet insurance offers your Cavachon the best dog insurance policy at the lowest monthly price. They offer great coverage options and reasonable rates for all dog breeds, including Cavachon dogs. Reading through their plan descriptions, decide on what coverage you think you’ll need, and then enroll your pet. Simply paying your monthly premium keeps your coverage active, so it’s there when you need it. Enrolling in dog insurance means you can rest easy, knowing you’ll be able to care for your furry friend for years to come.

SwiftScore Ranking Methodology for Cavachons

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

  • Average monthly price for a 2-year-old Cavachon 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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