Pet insurance for Poodles

Average customer rating: 4.3/5
Written by Chloe XY Chin
Reviewed by Eliza Buglar
Expert reviewed by Adrian Taylor
Updated 5 August 2025

Poodle’s personality and traits

Poodles are among Australia’s most cherished dog breeds,1 and it’s easy to see why. Originally bred as water retrievers in Germany, they are now recognised as the national dog of France.2 Poodles are known for their sharp intelligence, elegant appearance, and playful nature. They come in a variety of colours, including apricot, black, cream, red, silver, and white.

Beyond their good looks, Poodles are energetic and require regular physical and mental stimulation to stay happy and healthy. Their high energy levels make them great for active families.

Poodles are a popular choice for crossbreeding due to their high intelligence, trainability, affectionate temperament, and low-shedding, hypoallergenic coat. These traits have led to the creation of many sought-after Poodle mixes, such as Labradoodles and Cavoodles.

Temperament

Poodle sizes

Poodles come in three official sizes: Toy, Miniature and Standard.2 Depending on the size, their needs and characteristics can vary slightly.

All Poodles share the breed’s signature Poodle coat (curly and hypoallergenic, which requires regular grooming) and their sharp, affectionate, people-loving nature. No matter the size, Poodles are adaptable, devoted and a true joy to raise as family pets, as long as you’re ready to keep up with their brains and energy.

Toy Poodles

Miniature Poodles

Standard Poodles

How to take care of a Poodle

Standard Poodle dogBeing a Poodle owner means being committed to their physical, mental, and emotional needs. Pet owners should understand that having a furry friend is a lifelong commitment, and they should do their best to ensure their pet’s well-being.

Here’s a quick guide to responsible Poodle care:

  • Grooming needs: Poodles have a dense, curly coat that needs regular maintenance.5 Brush their coat at least 2–3 times a week to avoid matting and take them to a professional groomer around every 4–6 weeks.
  • Exercise: Poodles are active dogs that need daily exercise. Around 30–60 minutes of physical activity is recommended for Miniature and Standard Poodles,4 while Toy Poodles require shorter bursts of activity but still enjoy playtime and brief walks.3 Mental stimulation, like puzzle toys and obedience training, helps prevent boredom.
  • Nutrition: Poodles, no matter the size, are high-energy dogs that need the correct nutritional value to fuel them. Feed them high-quality dog food suitable for their size and age.

Poodle health problems

While Poodles are generally healthy, they are prone to certain hereditary and breed-specific health concerns. Veterinary care for these conditions can be expensive, making pet insurance particularly helpful in covering the costs.

It’s essential to research and select a reputable breeder before committing to a dog. Ethical poodle breeders will follow the best practices and know the genetic profiles of the parent dogs to ensure that their offspring are healthy, lowering the risk of your Poodle developing these health conditions.8

Some of the more common pet health problems that can be found in Poodle breed dogs include:

Hip dysplasia

Progressive Retinal Atrophy (PRA)

Addison’s disease (Hypoadrenocorticism)

Patellar luxation

Sebaceous adenitis

Cushing’s disease (Hyperadrenocorticism)

Epilepsy

Thyroid hormone disorders

Bloat (Gastric Dilatation-Volvulus)

Ear infections (Otitis Externa)

Dental disease

Why pet insurance is important for Poodles

Poodles are a long-lived breed (often 12–15 years or more), which means they may face a range of health issues throughout their life. Pet insurance often gives you peace of mind by helping to manage the cost of vet bills for:

  • Accidents and emergencies (e.g. broken bones, bloat, ingestion of foreign objects)
  • Illnesses and chronic conditions (e.g. diabetes, epilepsy, skin issues)
  • Breed-specific problems (e.g. PRA or Addison’s disease)
  • Routine care, if included in your policy (e.g. vaccinations, dental checks, desexing).

Poodles are incredible companion dogs with big personalities and long lifespans. Pet insurance can help ensure your poodle receives the care they need without worrying too much about your financial situation. Without insurance, the vet costs for Poodle health issues, such as X-rays and MRIs, surgery, medication and aftercare, can quickly add up to thousands of dollars in out-of-pocket expenses.

Whether you’ve got a Toy Poodle curled up on your lap or a Standard Poodle bounding through the park, having the right pet insurance in place can give you peace of mind, and your dog the best shot at a happy, healthy life.

How to choose a pet insurance policy

When choosing a pet insurance policy, you should always look through different insurance providers and levels of cover to ensure that you can get the best pet insurance plan for both your pet’s needs and your financial situation.

Here are some key things to look out for when considering any dog insurance:

  • Comprehensive cover: Look for a policy that offers both accident and illness cover, as Poodles may be prone to chronic conditions that need ongoing treatment.
  • Check benefit limits: Review annual limits, sub-limits for specific conditions (such as cruciate ligament surgery), the reimbursement process and lifetime caps.
  • Waiting periods: Most insurance companies have a waiting period for insurance claims on illnesses and chronic conditions, so it’s a good idea to sign up early while your poodle is still healthy.
  • Pre-existing conditions: Insurers typically won’t cover conditions your dog had before the policy started. The earlier you insure your poodle, the better your coverage will be.
  • Routine care options: Some policies offer optional add-ons for wellness and preventive care, such as flea and tick prevention, discounts for spaying, annual check-ups, dental care, and vaccinations.

Always read the policy wording on your Product Disclosure Statement (PDS) and the Target Market Determination (TMD) to ensure you know the inclusions and exclusions of your pet insurance cover, and that the policy is the right fit.

Meet our pet insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As a General Insurance expert with over 13 years’ experience in financial services, Adrian Taylor knows that dogs and cats get themselves into all sorts of mischief. One part of Adrian’s work is to help empower consumers to understand how pet insurance can help save them from exorbitant vet bills when their pet gets injured or falls ill.

1 Forbes. Dog breeds and pet insurance. Accessed July 2025.

2 American Kennel Club (AKC). Dog Breeds, Poodles. Accessed July 2025.

3 PetMD. Dog breeds: Toy Poodle. Accessed July 2025.

4 PetMD. Dog breeds: Miniature Poodle. Accessed July 2025.

5 PetMD. Dog breeds: Standard Poodle. Accessed July 2025.

6 Vet love pets. The Vet’s Guide to Poodles: Facts, Care, and Training Tips. Accessed July 2025.

7 All Poodle Information. Poodle health concerns. Accessed July 2025.

8 American Kennel Club (AKC). Why buy from a responsible breeder? Accessed July 2025.