Pet insurance for your Cavapoo.

Comprehensive Lifetime Cavapoo insurance up to £15,000
Unlimited free video vet calls
Dental included as standard

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A blonde-haired woman holding a cream Cavapoo.

Protect your pet with comprehensive coverage.

Are you a proud owner of a playful, loving Cavapoo? Or are you considering welcoming one of these adorable pups into your family?

Owning a dog brings immense joy, but it also comes with responsibility and potential unexpected veterinary bills.

The worry about affording the best care for your beloved companion can be stressful.

At Waggel, we understand this, and that’s why we offer tailored pet insurance designed to give you peace of mind, specifically considering the needs of breeds like the Cavapoo.

Let's explore how we can help protect both your wallet and your furry friend.

What is a Cavapoo & why consider insurance?

The Cavapoo – a delightful cross between a Cavalier King Charles Spaniel and a Poodle – has quickly become one of the most popular dog breeds in the UK, and for good reason!

They’re known for their lovely temperament with their affectionate nature, playful personalities, and relatively small size. But like all breeds, Cavapoos are predisposed to certain health concerns that can be costly to treat.

While many assume a healthy pup won't need insurance, unexpected accidents or illnesses can happen at any age.

From minor scrapes to more serious conditions, being prepared financially allows you to focus on what truly matters: your dog’s well-being.

Dog insurance provides that safety net, ensuring you can access the best veterinary care without facing difficult financial decisions.

Understanding Cavapoo health concerns.

As a crossbreed, Cavapoos can inherit traits from both parent breeds. This means understanding potential health issues is key to providing preventative care and choosing the right insurance. Here are some conditions commonly seen in Cavapoos:

Condition	Average cost (UK)	Condition explanation
Mitral valve disease (MVD)	£600–£1,500 per year (can exceed £5,000)	Common in Cavalier King Charles Spaniels, this heart condition affects the mitral valve and can lead to heart failure. Treatment includes regular heart scans, check-ups, and lifelong medication.
Patellar luxation	£200–£4,000+ (depending on severity)	A dislocating kneecap is often seen in small dogs like Cavapoos. Mild cases may be managed with physio, while severe cases often need surgery and rehab.
Progressive retinal atrophy (PRA)	£200–£5,800 (diagnosis and potential surgery)	A degenerative eye disease that can cause blindness. While there’s no cure, early diagnosis and eye support treatments may help. Cataract surgery is possible in some cases.
Syringomyelia	£300–£5,000+	A serious spinal condition, more common in Cavaliers. Diagnosed via MRI, it’s managed with medication, but surgery may be needed in advanced cases.
Allergies & skin conditions	£150–£1,000+ annually	Cavapoos can suffer from skin allergies that require ongoing care. Treatments include medication, immunotherapy, and management of flare-ups.
Epilepsy	£500–£900 annually (stable cases)	Seizures can be managed with lifelong medication and regular bloodwork. Emergency treatment may be needed for severe episodes or clusters.

Note: Costs are approximate and can vary based on location and specific veterinary practices.

It’s also important to remember that even seemingly minor issues like dental disease require regular attention and can quickly add up in cost.

Maintaining good oral hygiene is crucial, but professional cleaning under anaesthetic may be necessary.

When evaluating the average monthly insurance premium for a Cavapoo - approximately £28 in the UK as of March 2025 - against the potential expenses of treating common health issues, you can see how insurance could be a great idea for you and your furry friend.

Get a quote with Waggel today to see how much it would cost to protect your pet.

Waggel's insights.

“At Waggel, we recognise the unique needs of crossbreeds like the Cavapoo. Their mixed heritage means they can benefit from insurance that considers potential inherited conditions from both parent breeds. We aim to provide transparent policies and flexible coverage options so you can choose what’s best for your pup.” – The Waggel Team.

Choosing the right insurance policy for your Cavapoo.

Navigating pet insurance policies can feel overwhelming. Here's a breakdown of key factors to consider when choosing cover for your Cavapoo:

Feature	Lifetime cover	Accident-only cover	Time-limited cover	Considerations for Cavapoos
Coverage	Covers ongoing conditions, accidents & illnesses for life.	Only covers accidental injuries (e.g., broken bones).	Covers illness/injury for a fixed period (usually 12 months).	Lifetime insurance is ideal for breeds prone to chronic conditions like MVD or syringomyelia.
Cost	Generally the most expensive option.	The cheapest option, but limited coverage.	Mid-range cost; good for short-term issues.	Consider a higher monthly premium for comprehensive cover given potential breed-specific health concerns.
Pre-existing conditions	Usually excluded, but some providers offer options to manage them.	Not applicable.	Not applicable.	It's important you insure your pup before any symptoms develop.
Excess	The amount you pay towards a claim.	Typically applies.	Typically applies.	A higher excess can lower your monthly premium.
Typical cost to insure (monthly)	£30 - £70+	£10 - £25	£20 - £40	Costs vary based on age, location & coverage level. Expect a slightly higher cost for a breed prone to health issues.

Exploring Waggel’s Lifetime pet insurance options.

Waggel provides a single, flexible Lifetime policy tailored to cover accidents, illnesses, and injuries. You can adjust coverage limits and excess options to create a plan that fits your budget and your pet’s needs.

The table below outlines the core features of Waggel’s Lifetime policy, based on information from waggel.co.uk (accurate as of March 2025):

Feature	Coverage details
Accidents & illnesses	✅ Covered up to your selected Annual Limit (options from £1,000 to £15,000). This includes diagnostics, treatments, surgeries, and medications.
Routine care	❌ Not included (e.g., vaccinations, flea and worm treatments, grooming).
Chronic conditions	✅ Covered as long as they develop after the policy starts and are within the Annual Limit. Renewed annually.
Dental cover	✅ £1,000 sub-limit for dental treatments related to accidents or illnesses (routine cleanings not included).
Behavioural therapy	✅ £1,000 sub-limit for sessions with a certified behaviourist (requires vet referral).
24/7 vet video calls	✅ Unlimited access through the Joii app (free for Waggel members).
Direct claim settlement	✅ Claims paid directly to vets (requires an RCVS-registered vet).
Third-party liability	✅ Up to £2 million for injuries or damage caused to third parties.
Excess (Claim Contribution)	Adjustable (£0–£500) to reduce monthly premiums.
Typical monthly cost	Based on pet breed, age, and location. Example: £25–£70+ for dogs, depending on Annual Limit and Excess.

What makes Waggel different?

Lifetime coverage only: Waggel exclusively offers Lifetime cover, ensuring protection for ongoing and chronic conditions.

No pre-existing conditions: Conditions that appear during the 14-day warm-up period or before the policy starts aren’t covered.

Additional perks: Free access to nutritional advice, partner discounts (e.g., Butternut Box), and support from a dedicated UK-based veterinary nurse.

For a personalised quote, visit the online quote tool. Pricing depends on factors like breed (e.g., Cavapoo, Labrador), age, location, and selected coverage options.

Practical tips for Cavapoo owners & insurance.

Here are some things to keep in mind when choosing insurance and caring for your Cavapoo:

Early insurance: Insure your pup as early as possible, before any health issues arise.

Consider breed-specific risks: Look for policies that acknowledge the potential for conditions like MVD and patellar luxation.

Regular vet checkups: Preventative care is key! Regular checkups can help detect problems early.

Grooming: Cavapoo grooming is essential to prevent matting, especially with their often curly coat. Regular brushing and professional grooming are recommended.

Socialisation: Early socialisation helps your Cavapoo develop into a well-adjusted adult.

Exercise needs: While relatively small, Cavapoos need regular exercise – ideally an hour of playtime or walking each day to stay happy and healthy.

Mental stimulation: These intelligent dogs can suffer from boredom. Provide plenty of toys and mental stimulation.

Is a Cavapoo right for you?

The Cavapoo is often described as the perfect family companion – affectionate, playful, and adaptable.

They’re generally good with children and other pets, making them an excellent choice for first-time dog owners.

However, it's important to be prepared for their potential health needs and grooming requirements.

If you can provide a loving home, consistent training, and proactive healthcare, a Cavapoo will undoubtedly bring years of joy to your life.

If you are looking at Cockapoos and Cavapoos, our guide to both breeds might also be of help.

Cavapoo insurance that lasts a lifetime.

A single Lifetime policy

Lifetime pet insurance coverage up to £15,000, including dental, unlimited free video vet calls and a personally assigned UK vet nurse.

View full Policy wording

Flexible limits and Excess

Adjustable Annual Limit and Excess to suit your coverage and budgetary needs. It's just one of our many unique features and helps you to take control of your pet's policy.

Complete coverage

We'll cover your vet fees up to the limits selected. This includes consultation fees, diagnostics, procedures, surgery and medication.

Dental included

We cover treatment costs associated with dental-related accidents and illnesses up to £1,000.

We are highly rated.

Waggel have been brilliant

Waggel have been brilliant when we found out my boy had to have an operation at a specialist vets we had a pre authorisation so knew exactly what was happening , thank you Waggel 😊

Sarah Fairman

Absolutely first class company to deal…

Absolutely first class company to deal with, from dealing directly with the Vet regarding paperwork to fast settlement of any monies you may be owed.

Michael

Amazing pet insurance

My experience with Waggel was always amazing. Very good communication, easy with my claims. All information very clear and they were always very supportive, specially that with my 10+ years old dog. Definitely recommend!

Jacy Lup

Such an easy process

Such an easy process , filled in online form .. approved within a couple of days and paid out two days after that .. never known such amazing service from an insurance company!! Wouldn’t hesitate to recommend

Nicki

Waggel are a refreshing and…

Waggel are a refreshing and reassuringly easy to use pet insurance company. We have been using them for 3.5 years now and have had some claims which have been processed quickly, in a friendly manner and with ease. We wouldn’t use anyone else now.

Carol

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