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Top 9 Pet Insurance Plans For Cocker Spaniels (2024)

Written by: Kelli Brinegar
For more than five years, Kelli Brinegar has been using her ability to write and her passion for research to tell the tale of what cats are thinking and why. She has provided care to more than 30 cats in her lifetime.Read more
| Published on January 3, 2024
iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.

With their luscious textured locks, Cocker Spaniels have the waves and curls we all wish we had. Couple that stunning fur with those big starry eyes, and you’ve got a dog that’s some kind of pretty! But these precious pups are about more than looking good. Cocker Spaniels are as kind and loving as they are gorgeous, which means their families will be covered up in doggy kisses and snuggles day and night.

And because you love your Cocker Spaniel so much in return, you give your pup everything they need plus anything they could ever want. And while your dog may not want to go to the vet for their annual checkups, you know they still need to go in order to keep healthy and fit. But no matter how diligent of a dog parent you are, illness and injury can still happen. Cocker Spaniels are prone to Cushing’s disease, a host of eye problems, joint issues, heart diseases, and bleeding disorders, and treating any of these conditions can get expensive. With pet insurance, though, you can be financially prepared to fend off whatever comes. We’ve created a free and easy-to-use comparison tool to simplify the insurance quest to help you find peace of mind and the best pet insurance plan for your Cocker Spaniel.

Compare The Top 9 Pet Insurance Plans for Your Cocker Spaniel Using our Free No-Obligation Quote Tool below

The simplest way to compare pet insurance prices is to use our tool below. The comparison tool will show you quotes from the top 9 pet insurance carriers, including Trupanion, Pets Best, Lemonade, ManyPets, FIGO, HealthyPaws, Prudent Pet, Spot, and Embrace pet insurance.

How Much Does Pet Insurance for a Cocker Spaniel Cost?

Below are some sample pet insurance plans for a 1-year-old male Cocker Spaniel using the zip code 75001 (Texas) as an example.

Ultimately, your plan’s premium will depend on several factors, including your dog’s age, size, and breed, as well as where you live. You also want to know what type of coverage your plan has and if it will help with Cocker Spaniel-specific health problems. Let’s get more into those medical conditions and how much you can expect to pay to treat them.

pet insurance for Cocker Spaniels

Common Health Problems Associated With Cocker Spaniels

Eye Problems

Cocker Spaniels are prone to painful eye problems that require treatment, or your dog runs the risk of permanent damage that could cause blindness. Some of the common eye problems in Cocker Spaniels are:

  • Progressive Retinal Atrophy (PRA) – a hereditary disorder of the retina that causes eventual blindness
  • Keratoconjunctivitis Sicca (dry eye) – a condition in which the eye does not produce enough moisture or tears
  • Glaucoma – occurs when fluid in the eyeball increases, causing pressure and pain
  • Hereditary Juvenile Cataracts – a genetic form of cataracts that presents in puppies and younger dogs
  • Cherry Eye – inflammation of the eyelid that causes it to swell and bulge from the corner of the eye
  • Distichiasis – abnormal growth of eyelashes that can cause lashes to poke and scratch the eye
  • Entropion – occurs when the eyelid rolls inward, causing eyelashes to rub against the eye
  • Ectropion – severe drooping or outward roll of the eyelid that exposes delicate eye tissues, causing dryness, inflammation, and even infection

Cushing’s Disease

Cushing’s Disease occurs in dogs when the body produces too much cortisol because of a tumor in the pituitary gland. A smaller number of cases involve tumors on the adrenal glands. The hallmark symptoms are increased thirst, urination, appetite, and changes to the skin and fur. This disease can cause high blood pressure, diabetes, and kidney infections and even elevate your Spaniel’s risk of blood clots when left untreated.

Bleeding Disorders

Cocker Spaniels are known to struggle with bleeding disorders, two of which are Hemolytic Anemia and Thrombocytopenia. Both are immune system-related issues that cause the body to attack its own blood cells. This immune malfunction can lead to an array of health problems, including clotting issues. Another clotting disorder, Von Willebrand’s Disease, or vWD, is a hereditary bleeding disorder that occurs when the blood is missing a vital protein that helps with clotting at the site of injuries to the small blood vessels. Dogs with any of these three bleeding disorders are at risk of losing significant amounts of blood as healing clots don’t form as they should. Excessive blood loss in dogs can quickly become an emergency.

Heart Disease

Cocker Spaniels are prone to Dilated cardiomyopathy (DCM), a heart disease that causes cardiac muscles to dilate and thin, leading to pumping and blood flow problems. Cocker Spaniels also have a higher risk of mitral valve disease. The mitral valve is one of the heart’s valves that keeps blood flowing in the right direction. When disease sets into any of the valves, blood flow problems can occur. These problems can lead to heart failure and should be vet-managed. Mitral valve disease is a common heart problem and occurs in eighty percent of the ten percent of dogs classified as heart patients, with the Cocker Spaniel being one of the more affected breeds.

Joint Problems

Like many dog breeds, Cocker Spaniels can suffer from joint problems brought on by conditions like hip dysplasia and patellar luxation. Hip Dysplasia occurs when the ball-and-socket joint in a dog’s hip doesn’t form correctly, leaving the joint to dislocate or the femur head to sit wrong in the socket. Patellar luxation is more commonly known also as a dislocated kneecap, and cases can be mild to severe. Both issues can potentially lead to pain and mobility problems.

Typical Costs Of Treating Health Issues In Cocker Spaniels and How Pet Insurance Can Help

Taking your dog to the vet for annual visits brings a bill you expect. But when the onset of any of the above problems suddenly knocks your Spaniel off its paws, medical bills can stack up fast. And they’re not the only common issues in Cocker Spaniels. Sadly, these beautiful dogs are also prone to other health problems, like skin issues, hypothyroidism, and epilepsy, which can also wreak havoc on your finances. But with the right pet insurance plan for your Cocker Spaniel, you’ll be financially ready to deal with any bills, leaving you to concentrate on your best friend’s recovery.

Check out how pet insurance can help with the costs of these Cocker Spaniel health issues:

  • Eye Problems Costs: With all the eye problems in Cocker Spaniels, those beautiful doe eyes can get expensive. While there is no treatment for Progressive Retinal Atrophy, diagnosing PRA involves an electroretinogram (ERG), a test that measures the electrical impulses of the eye. The average cost of an ERG is $400. To relieve the dry eyes of Keratoconjunctivitis Sicca, the vet will prescribe eye drops to relieve symptoms. These drops will cost an average of $400 yearly and are a must to keep your Cocker Spaniel’s eyes feeling fine. Glaucoma can also be treated with medications, but your dog will need surgery to reduce the fluid when it reaches a certain point. Glaucoma surgery averages $1,500. Surgery for cataracts isn’t cheap either, costing somewhere between $3,000 and $4,000. The average cost for eye surgeries to fix issues like cherry eye, entropion, and distichiasis, can range from $400 to $2,000. The final price of eye surgery will depend on the severity and your location. But, one thing is sure, having pet insurance before an eye problem occurs is a smart foresight that will protect your finances from high vet bills.
  • Cushing’s Disease Costs: Diagnosing Cushing’s Disease in Cocker Spaniels is an expensive process that requires a host of bloodwork and other specific testing. An ultrasound may also be necessary, bringing the diagnosis to roughly $1,500. For tumors that prove operable, surgery costs can run anywhere from $2,500 to $10,000 as a board-certified specialist usually performs the procedure. Radiation also proves effective in shrinking tumors and costs an average of $5,000. Treating Cushing’s can also involve monthly meds that run between $50 and $200. Having pet insurance for your Cocker Spaniel when facing Cushing’s Disease can ease financial concerns and remove the need to make heartbreaking decisions in the face of an impossibly high vet bill.
  • Bleeding Disorders Costs: If your Cocker Spaniel suffers a bleeding emergency, costs could get high in a hurry. For each unit of blood, you can expect prices that range from $25-$300. The amount of blood lost will depend on how many units your dog will need. If the case is severe, other emergency procedures and hospitalization may be necessary. Between transfusions, stays, and emergency care, this unexpected vet bill could quickly reach $800 to $1,500. With the right pet insurance plan for your Cocker Spaniel in place before an emergency occurs, you’ll be able to concentrate on recovery and not bills.
  • Heart Disease Costs: To diagnose heart disease in dogs, vets will turn to X-rays, electrocardiograms, and echocardiograms, and this cardiac examination could cost an estimated $1,000. And though mitral valve disease and DCM in dogs can lead to eventual heart failure, heart medications can help slow deterioration. Your vet might prescribe quite the cocktail of medicines to manage heart disease, including ACE inhibitors, diuretics, nitroglycerin, vasodilators, and beta-blockers. These vital heart medications could run anywhere from $50 to $200 per month. Pet insurance plans that offer coverage on prescriptions can save you big when your dog requires lifelong medication to help its heart.
  • Joint Issues Costs: The treatment plan for your Cocker Spaniel’s joint problems might consist of medications that help with pain and slow degeneration. The cost of these monthly medications can add up over years of management. So, can physical therapy appointments at an average of $50 a pop. And once the hips or knees reach a certain point of degeneration, your Spaniel may require an orthopedic surgery that can create bills of $2,000 – $7,000. But, the right pet insurance plan for your Cocker Spaniel can help you find relief from monthly prescription costs and the expensive surgery that will get your pup back on its paws.

What Is Pet Health Insurance, And Why Do I Need It For My Cocker Spaniel?

Pet health insurance works very similarly to human health insurance. Your policy quote will range in monthly price, depending on your dog’s breed, age, and where you live. Typically, you’ll spend around $15-$72 per month as a pet parent.

Pet insurance is mainly about peace of mind, knowing you won’t be totally overwhelmed in case of an emergency. Enrolling even when your dog is young and healthy will ensure you have plenty of coverage when they need expensive medical care later. If you choose a plan more suited to your dog’s particular breed, you’ll be more prepared when something happens later on in their life.

pet insurance for Cocker Spaniels

Some plans cover accidents and illnesses, while others only cover accidents. Certain plans do cover breed-specific illnesses, and others do not. It all depends on what type of coverage you choose. With our free pet insurance comparison tool, you can get quotes from multiple insurance companies with no obligation to commit.

Whatever plan you choose, you’ll feel better knowing you can take care of your dog when they need you most. Plus, you won’t have to suddenly shell out thousands of dollars. Learn more about how pet insurance works here.

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