7 Best Golden Shepherd Pet Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

This large breed has a lifespan of 10-12 years and is a hybrid of the intelligent and hard-working German Shepherd combined with the loyal, family-friendly, and loving Golden Retriever. Golden Shepherds are quickly building a reputation as great pets for families that want to spend lots of active time with their dogs. Even though the Golden Shephard is relatively new to the dog scene, just like all dogs, they are prone to developing chronic, potentially expensive medical conditions and contracting chronic illnesses. Many of these conditions are treatable, but those costs will increase over time. But fear not, pet insurance makes veterinary treatment more affordable for dogs and their owners. As a licensed insurance agent and avid dog person, I am here to help make sense of the pet insurance landscape for you. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Golden Shepherd Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Golden Shepherd pet insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Golden Shepherd 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
4.7
  • 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 GOLDEN SHEPHERD

$63.42/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Golden Shepherd 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 GOLDEN SHEPHERD

$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 GOLDEN SHEPHERD

$231.24/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 GOLDEN SHEPHERD

$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 GOLDEN SHEPHERD

$92.98/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
4.5
  • 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 GOLDEN SHEPHERD

$84.28/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 GOLDEN SHEPHERD

$106.35/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Golden Shepherd 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
4.7
  • 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 GOLDEN SHEPHERD

$63.42/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Golden Shepherd 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

Golden Shepherd Pet Insurance FAQs

What is dog insurance and why is it useful for Golden Shepherds?

Dog insurance is medical insurance coverage for all canine breeds. The reason any dog “hooman” needs a pet insurance plan is to support dog owners with the financial costs of the veterinary care that’s required to own a happy and healthy pup. While dog insurance may not cover the entire cost of care, it more often than not will save dog owners thousands of dollars by covering a significant portion of veterinary bills. Benefitting from dog insurance is easy; simply select a plan, make the required monthly payments to keep the policy active, and then when needed, submit receipts for reimbursement from your insurance provider.

Dog insurance is helpful if you own a Golden Shepherd because it prepares you for the unexpected. While hybrid breeds tend to have fewer genetic issues, the Golden Shepard is not immune to certain disorders such as the elbow or hip dysplasia, eye disorders, including cataracts, allergies and hypothyroidism will require ongoing veterinary treatment, which can be quite costly. Dog insurance means your furry family member will receive any necessary treatment without busting your wallet.

How old does my Golden Shepherd need to be insured?

Pet insurance providers typically want puppies to be at least eight weeks old to begin insurance coverage. Ideally, you want to enroll your Golden Shepherd in a dog insurance plan the moment you bring them home for the first time. Keep in mind, most pet insurance premiums are based on age, so the younger you can get started, the better.

What are common insurance claims for Golden Shepherds?

Because the Golden Shepherd is still a relatively new breed, there’s a lot that’s still unknown about long-term genetic health issues (another reason to get dog insurance sooner rather than later, prepare for the unexpected). It’s important to look at the health history of the German Shepard and the Golden Retriever; both of these breeds face many potential genetic issues. In addition to what was already mentioned (elbow or hip dysplasia, eye disorders, including cataracts, allergies, and hypothyroidism), Golden Shepherds may also be prone to epilepsy, progressive retinal atrophy, bleeding disorders and exocrine pancreatic insufficiency. These conditions will certainly require ongoing medical treatment and monitoring by a licensed, specially trained veterinarian.

What services for my Golden Shepherd are covered by dog insurance? What services are excluded from coverage?

Coverage for dog insurance can vary by plan. Generally, you can expect your Golden Shepherd policy to cover surprise injuries, accidents, and unexpected illnesses. Typically, coverage includes surgery, medication, medical tests, emergency care, and exam fees. Some dog insurance plans also cover hospitalizations and preventative care. Really, any condition your Golden Shepherd may develop throughout life, including viral infections and broken bones.

Of course, excluded services also vary by plan. Still, you can be sure that most dog insurance policies will not cover the cost of care for pre-existing conditions, which is why enrolling in a policy as soon as possible is important.

How does reimbursement work?

With most insurance plans, the pet owner must pay the dog’s medical bill upfront and then submit the vet bill for reimbursement to the insurance provider. Your insurance provider will then pay you back a certain amount of that bill. Your insurance company will determine how much you will be reimbursed based on your deductible and reimbursement rate.

Should I enroll in a high deductible or low deductible plan?

There are a lot of dog insurance plans out there, everything from high deductible plans, low deductible plans, and plans with no deductible at all. It all depends on how you want to manage your finances for your Golden Shepherd. Of course, the higher the deductible, the lower the monthly payment typically, but that means you’ll pay a higher cost during those unexpected emergencies. You may not want to worry about costs when dealing with an emergency. If that’s the case, a lower deductible may be for you, which means a higher monthly payment, but less of a financial surprise during a stressful medical emergency.

5 Tips for Keeping Your Golden Shepherd Safe & Healthy

In addition to enrolling your four-legged fur baby in dog insurance, there are many other ways to ensure that your Golden Shepherd lives a long and healthy life.

1. Regular Exercise

All dogs need exercise, and Golden Shepherds are really at the top of that list. If you’re into a good long hike, this breed is perfect for you as they need upwards of 60 minutes a day of exercise. Golden Shepherds are mischievous, so getting lots of exercises and mental stimulation will help keep them on their best behavior. Think walks, jogs, hikes, training sessions and visits to the dog park!

2. Training and Socialization

Thanks to that Golden Retriever lineage, your Golden Shepherd may naturally be a very social dog, but it’s still important to properly socialize your pup from a young age. Puppy classes can help your Golden Shepherd learn cues as to how to interact with other dogs and people. Remember that your Golden Shepherd learns best with positive reinforcement such as training treats, extra pets and lots of high praise.

3. Nutritious Diet

Golden Shepherds are large dogs that can range in weight anywhere from 50-90 pounds. They have a high potential for weight gain, so keeping an eye on their diet is very important. Your Golden Shepherd needs food that has a healthy balance of protein and grains, the quantity of food is also key to keeping your Golden Shepherd healthy. Be sure to follow portion guidelines and avoid giving your dog excessive amounts of treats or “people’s food.”

4. Love and Affection

Golden Shepherds are loving, loyal, great for first-time dog owners, and very family-friendly. The mix of German Shepherd intelligence means the Golden Shepherd is a dream to train (and all family members should be part of the socializing and training process), and the Golden Retriever’s eagerness to please, means the Golden Shepherd wants to do right by their “hoomans.” They love playing in the yard with older children, but they’re equally as happy sitting on the sofa snuggling with the kids during a movie.

5. Regular Grooming

While grooming your Golden Shepherd is low-maintenance, you should be prepared for a fair amount of shedding, especially in the Spring and Fall (but really, all year round). You’ll need a routine of brushing his or her coat at least once a week, to help keep that shedding in check, and baths with dog shampoo are key to maintaining that beautiful coat.

With all that, you may still want the name of a good groomer as getting those nails trimmed regularly will also be important. Also, brush your Golden Shepherd’s teeth, maybe not nightly, but as often as possible, especially as he/she gets older. Be sure to talk to your vet about whether your pup could use a professional teeth cleaning (which may be covered under your insurance plan), oh and don’t forget to check those ears too!

Conclusion

Enrolling your Golden Shepherd in pet insurance is the best way to ensure your furry family member’s health. Yes, all of these insurance policies and the enrollment process can be confusing, all you need to do is select the best plan for you and your dog, pay the monthly premium, and then your Golden Shepherd is covered. Remember, there are, unfortunately, a variety of unexpected reasons that your pup may need veterinary care. Having coverage means your dog can receive the necessary care without the stress of the financial burden.

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

SwiftScore Ranking Methodology for Golden Shepherds

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

  • Average monthly price for a 2-year-old Golden Shepherd 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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