It’s easy to see why for many years, the Cocker Spaniel was the most popular breed in the U.S. Finding the best healthcare for your own Lady is at the top of your to-do list, but the cost of medical care for our pets can add up quickly and send our hearts fluttering (not quite in the same way as sharing a plate of spaghetti with that special someone). The good news is that you don’t need to figure this out on your own. We’ve done the research and found the best pet insurance options for you and your own Lady Cocker Spaniel (be sure to check out options for your Tramp too).
Table of Contents
5 Best Pet Insurance for Cocker Spaniels (2025 Reviews)
5 Top Pet Insurance Companies Compared for Cocker Spaniels
-
1
Best overall
![Lemonade]()
4.9Our scoreAverage price for
Cocker Spaniels $27.75/moReimbursement amount 90%Annual benefit $20,000Lemonade features the overall best Cocker Spaniels pet insurance plan at the most competitive rates
Claims can be paid in under 60 seconds via their world-class app. I was blown away by how quickly they approved my claim and how much they paid
Lemonade is a certified B-corp that donates a significant portion of their unclaimed premiums to pet parents’ preferred non-profit organizations
-
2
Best for wellness
![Wagmo]()
4.7Our scoreAverage price for
Cocker Spaniels $60.83/moReimbursement amount 90%Annual benefit $20,000They are one of the few companies that reimburse up to 100% of veterinary costs and provide quick reimbursements
Wagmo’s top-notch wellness plans extend coverage to include your pet’s routine and preventative care
Wagmo offers instant coverage for cats and dogs in all 50 states, regardless of their age, breed, or any health conditions (with some limitations)
-
3
Best live vet support
![Figo]()
4.6Our scoreAverage price for
Cocker Spaniels $49.19/moReimbursement amount 90%Annual benefit $5,000Figo provides free 24/7 telehealth services to Cocker Spaniels owners with licensed veterinarians and other essential professionals on call
Their pet records app and real-time claims tracker are easy and intuitive to use
Figo covers most ‘curable’ pre-existing conditions as long as the pet has been symptom-free for 12 months since their last treatment
-
4
Best for pre-existing conditions
![Pawp]()
4.5Our scoreAverage price for
Cocker Spaniels $24/moReimbursement amount 100%Annual benefit $3,000Pawp allows you to protect up to 6 pets under one membership regardless of age or pre-existing conditions
Pawp membership gives Cocker Spaniels pet parents access to an annual one-time use $3,000 Emergency Fund to cover unexpected accidents or illnesses
Pawp does not require copays, credit checks or deductibles
-
5
Best established brand
![Embrace]()
4.3Our scoreAverage price for
Cocker Spaniels $46.99/moReimbursement amount 90%Annual benefit $5,000With Embrace’s “Healthy Pet Deductible,” your annual deductible drops by $50 every year you do not get reimbursed for a claim
Embrace has an easy-to-use claims portal and paid 92% of claims in 2021
Their Wellness Rewards is one of the most flexible preventative care plans available, offering a whole host of benefits, including training and grooming
Based on our personal experience and countless hours of research, we’ve found Lemonade Pet Insurance offers the ideal balance between coverage and unbeatable prices.
FAQs about Cocker Spaniel Pet Insurance
-
1. How much does pet insurance cost for Cocker Spaniels?
Cocker Spaniels have an average monthly range for premiums from $24 to $60.83. As with any insurance company, multiple factors are taken into account in order to calculate the range. Insurance companies will look at the age of your dog, breed, health conditions and average veterinary costs within the state.
-
2. What does pet insurance typically cover for Cocker Spaniels?
Insurance policy coverage for Cocker Spaniels will vary from company to company. In most cases, your policy covers accidents and illnesses, especially either of those that are sudden and catastrophic in nature. Many policies will also take care of medical tests, exams, emergency care, other diagnostic procedures, medication and surgery.
-
3. Can I cancel my Cocker Spaniel’s insurance plan after making a claim?
This is the part where it’s important to read the fine print of any policy. Cancellation policies will differ, so you’ll need to clarify the cancellation policy with your specific carrier. In general, you can cancel your Cocker Spaniel’s policy at any time, but again, be sure to read that small print of your policy.
-
4. Do pet insurance companies cover spaying and neutering?
Spaying and neutering is not a common option inept insurance policies and will likely need to come out of your pocket. But, don’t assume that’s the case for all insurance companies. Embrace has an option of an additional wellness package that will reimburse for spaying/neutering procedures, should you decide it’s something you want to pursue for your Cocker Spaniel.
-
5. Does the cost of insurance increase as my Cocker Spaniel ages?
You should plan on insuring your Cocker Spaniel as soon as possible, really the moment she comes home with you for the first time is ideal. Insurance premiums will only go up as your Lady gets older. You can expect that after the age of 4 or 5, costs will start to rise. As your dog ages, the risk that she’ll develop a health problem, become sick or hurt herself becomes greater every year. Insurance companies use rate increases to help providers offset the elevated risk that your older dog represents.
-
6. Which companies cover pre-existing conditions?
The good news is that there’s more than one company that includes an option for pre-existing conditions. Both Pawp and Embrace have options to add pre-existing conditions as part of your policy. When considering any insurance policy for your pet, be sure to read all of the information provided and review the benefits and exclusions. It can be a relief to know that while your Cocker Spaniel may have a pre-existing health problem, there’s still options available to you to qualify for an insurance policy.
-
7. Is pet insurance worth it for Cocker Spaniels?
Accidents or illness can happen at any time, so being prepared with pet insurance is one of the best ways to care for your Cocker Spaniel. Your Cocker Spaniel may have the adorable face of a classic animated character, but she’s certainly still susceptible to potential accidents or illness that can surprise you at a moment’s notice. Emergency veterinary care is expensive, plus ongoing medical care costs will add up quickly. Your Cocker Spaniel is prone to ear infections, no surprise with those cute long ears, such as Otitis, which is an inflammation of the ear. She’s also susceptible to skin infections like Pyoderma. Hip Dysplasia, common in many dogs, is a malformation of the hip joint, which can mean surgery for your pup. The procedure and follow-up vet visits can run as much as $6,000 on up. Pet insurance can give you the support needed to help you take care of your Cocker Spaniel and all of her veterinary requirements.
More Details About Pet Insurance for Cocker Spaniels
-
1. Lemonade
(Best overall)
Why it’s great: As great as finding the right someone to share a single strand of spaghetti, Lemonade is the best Overall. It offers the best preventative care for puppies under two-years of age, plus after some nominal fees, you can customize your policy to include options to aid in paying for your Cocker Spaniel’s regular check-ups and even for physical therapy. Lemonade’s also has a waiting period for accidents of only two days, which you’ll find is much lower than many other insurance companies. Consider bundling your home/renter’s insurance with your pet insurance policy and you’ll see a 10% savings, which means you’ll have more money for the meatballs in that spaghetti.
Keep in mind: Coverage qualification will require you to gather records from your Cocker Spaniel’s previous vet visits. If your pup is an older Lady, as in more than 14-years of age, then she likely won’t qualify for coverage.
Good for: Nearly all Cocker Spaniels, especially little Ladies with no pre-existing conditions.
Average price for Cocker Spaniels: $27.75/month
![Lemonade]()
-
2. Wagmo
(Best for wellness)
Why it’s great: When you’re ‘posh’ like Lady from Lady and the Tramp, then you know how important wellness is to your overall health. If wellness is your goal, then Wagmo is the choice for you. Wagmo offers a wellness coverage option that can be purchased as a standalone, or you can add it on to your overall policy. If you have a bunch of little Ladies running around, Wagmo offers a 10% multi-pet discount. Plus, power up the tech-friendly mobile app to live-chat with help when needed and use the app to submit and track your claims.
Keep in mind: Wagmo does not cover pre-existing conditions and other health issues such as hip dysplasia in dogs that are 6-years or older. Also, pets that are more than 15-years-old will not qualify for coverage under Wagmo.
Good for: Cocker Spaniel people looking for a balance of wellness options and access to live-chat to help with emergency care coverage.
Average price for Cocker Spaniels: $60.83/month
![Wagmo]()
-
3. Figo
(Best 24/7 vet support)
Why it’s great: For those of us that like to stay up late into the evening (yes, eating a plate of spaghetti) Figo offers veterinary support, available 24/7. Which is great for those late evenings when you’re just worried about your Cocker Spaniel and just need to ask a human person a question, instead of scarring yourself trying to decipher internet search results. Figo also settles most claims in less than three days, so that reimbursement check will be back in your bank account before you know it. Lastly, unlike most other pet insurance policies, Figo may actually cover some pre-existing conditions, just note that it’s only the pre-existing conditions that are considered to be curable that are part of the coverage.
Keep in mind: To be clear, Figo will not cover pre-existing conditions that are deemed to be incurable, along with most experimental treatments.
Good for: Cocker Spaniel people who want and need that expert veterinary support at any time of the day or night.
Average price for Cocker Spaniels: $49.19/month
![Figo]()
-
4. Pawp
(Best for pre-existing conditions)
Why it’s great: Knowing what you’ll have to pay for a plate of spaghetti is important. You don’t want to find out later that the meatballs cost extra. Having a fixed rate from Pawp means there’s no surprises when it comes to an insurance policy for your Cocker Spaniel. Pawp will pay your medical bills directly to your Cocker Spaniel’s vet, instead of the standard policy that typically requires you to pay the bill and then submit to the insurance company and wait for the reimbursement check to show up. Pawp will also pay for life threatening pre-existing conditions and the policy offers supplemental coverage with a cool $3,000 emergency fund that can be used for one life threatening emergency per year.
Keep in mind: Pawp doesn’t offer an option for routine medical treatments. Also, accessing that $3,000 emergency fund may face a delay for your Cocker Spaniel as you will be required to participate in a video call with a Pawp vet.
Good for: Cocker Spaniel people with multiple Ladies in the house. Pawp covers up to six pets and, bonus, they provide 24-hour access to a digital clinic of licensed veterinarians, also at a fixed rate.
Average price for Cocker Spaniels: $24/month
![Pawp]()
-
5. Embrace
(Best established brand)
Why it’s great: Just like the animated Disney movie Lady and the Tramp, Embrace is a brand that has been around for a very long time. Embrace provides lots of policy options such as the flexibility to choose your own vet and a mobile app with paperless reimbursement forms instead of the old school paper claim forms. If you are part of the military, active and former members are provided with a discounted rate. Cocker Spaniel people with multiple pups will see a multi-pet discounted rate, as well as a short two-day waiting period for accidents. Keeping your dog healthy and not using your policy will also mean decreases in your deductibles over time.
Keep in mind: Embrace does not offer wellness or preventative care options. If your pup needs orthopedic care, for example, there will be a six-month waiting period.
Good for: Cocker Spaniel people who want the flexibility to choose their own vet and have a policy that includes regular check-ups.
Average price for Cocker Spaniels: $46.99/month
![Embrace]()
Best Overall
Lemonade
Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider for Cocker Spaniels and they also offer the best value.
Conclusion
Your Lady deserves the best care that’s available to her, that’s why there’s a pet insurance policy available to fit every dog (even the Tramps out there) and every budget. The whole objective of providing you this information is to outline all the best pet insurance options available for you and your Cocker Spaniel. Taking the time to review all of the options and choosing a policy for your four-legged pup is one of the best things you can do for her overall healthcare needs. Ensuring your Cocker Spaniel will receive the best healthcare to cover illness or emergencies is the smart choice to help her continue to be a loving member of the family for as long as possible (giving her many years of eating spaghetti and meatballs).
){kind=link}