Pet Insurance for Cavalier King Charles Spaniels

Find out all about Cavalier King Charles Spaniels and their common health conditions, and then compare pet insurance options from some of Australia’s leading insurers.

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, updated on September 15th, 2023       

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Price range



29cm - 33cm


6.5kg - 8kg


Affectionate, gentle, graceful

Coat length

Medium,silky, straight

Exercise needs




Life expectancy

9 -14 years

Cavalier King Charles Spaniel


The Cavalier King Charles Spaniel, often known simply as the Cavalier, is a small and delightful toy breed renowned for its charming and affectionate nature. Originating in the United Kingdom, these dogs have a long history dating back to the reign of King Charles I and King Charles II, which is how they acquired their royal name. Cavaliers are known for their endearing personality traits. They are affectionate, gentle, and highly sociable dogs that form strong bonds with their owners. They thrive on human companionship and make excellent family pets. Their friendly demeanour extends to other animals, making them great companions for other dogs. They are a distinct and separate breed from King Charles Spaniels, also called the English Toy Spaniel, which has a flatter, shorter snout and snubbed nose, shorter tail, smaller body size and wavy coat. 

Cavaliers have distinctive expressive faces with large, dark soulful eyes. They have a silky, medium-length straight coat that comes in various colours, including chestnut and white, tricolour, black and tan, and ruby or chestnut. They enjoy being either a lap dog or an active family dog. Their adaptability makes them suitable for apartment living, and they are safe to have around younger children.  

Due to their size and lovely temperaments, Cavaliers have been bred with several other small breeds to produce the Cavoodle (Cavalier and Poodle cross), the Cavachon (Cavalier and Bichon Frise), and the Cava-Tzu (Cavalier and Shih Tzu). 

Common diseases and conditions of Cavalier King Charles Spaniels

  • Mitral Valve Heart Disease: English Toy Spaniels are predisposed to mitral valve heart disease, a genetic heart condition that is the leading cause of death amongst this breed. 
  • Luxating Patella: Luxating patella is a condition where the kneecap (patella) dislocates from its normal position. It can cause lameness and discomfort.  
  • Ear infections: Due to their long floppy ears, King Charles Spaniels can be prone to ear infections, so care must be taken to keep them clean and free from bacteria. 
  • Syringomyelia: This is an accumulation of fluid in the spinal cord spaces, which can result in head shaking and rubbing, pain on defecation, poor coordination and eventually curvature of the spine. 

Breed-specific issues:

The affectionate nature of Cavalier King Charles Spaniels makes them sensitive to being left alone for long periods, and they can suffer from separation anxiety. They can have a strong prey drive and should be supervised around smaller animals such as guinea pigs and rabbits.

How much does pet insurance cost for a Cavalier King Charles Spaniel?

Most Australians can expect to pay between $20 and $60 a month for pet insurance. There are many factors that can influence the cost of pet insurance for your Cavalier, including the following:

  • Age: The older your dog is, the more pet insurance is likely to cost. This is because senior dogs tend to have more physical health conditions and illnesses due to age, and so present a higher insurance risk.    
  • Type of insurance you choose:  There are three basic types of pet insurance available in Australia; accident-only, accident and illness, and comprehensive insurance. An accident-only policy is the cheapest type of insurance available, with comprehensive coverage costing the most.  
  • The policy annual limit: Each pet insurance policy has an annual limit, which is the maximum amount that will be paid out on the policy in one financial year. Annual limits range from around $10,000 up to $25,000 or more.   
  • Sub-limits: In addition to an annual limit, there may also be sub-limits that apply to the policy, for example, a $300 sub-limit for consultation fees, or a $5,000 limit for cruciate ligament conditions.   
  • Benefit percentage: Pet insurance does not cover 100% of the cost of your vet bill. Instead, it may pay a percentage of the total bill. This can range from 50% for cheaper policies, up to 90% for the best policies available.   
  • Excess amount: This is the amount you’ll need to pay out-of-pocket each time you make a claim on your policy. Some pet insurance policies do not come with an excess amount, whilst others do.  
  • Any add-ons you choose: It’s possible to add on more cover options to a basic policy, such as emergency boarding fees, routine care and dental care. These add-ons extend the scope of your pet insurance, but do increase the overall cost of the policy.  
  • Discounts: some insurers offer discounts of between 5% and 15% if you have multiple pets insured together, if you pay your premium annually, or if you bundle your pet insurance with other forms of insurance with the same company.

Types of pet insurance you can choose from

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Common questions about Cavalier King Charles Spaniels

Do Cavalier King Charles Spaniels require a lot of grooming?

While Cavaliers have a long, silky coat, their grooming needs are moderate. Regular brushing helps maintain their coat's condition, and occasional baths will help to keep them clean and healthy. 

Do Cavaliers bark a lot?

No. Cavalier King Charles Spaniels are generally not known to be excessive barkers. They tend to have a laid-back and friendly nature, which results in them being less prone to barking compared to some other breeds. They are certainly not known as being a yappy breed.  


Are Cavaliers good with cats and other pets?

Yes. Cavaliers are renowned for their friendly and gentle nature, making them excellent family members who tend to get on with other pets including cats. They also get along well with young children, but should be supervised around rabbits and guinea pigs.

Do Cavaliers have more health issues than other breeds?

Yes, unfortunately, Cavaliers are predisposed to some well-known health problems, including heart issues and syringomyelia, which is a serious inherited spinal cord condition. Regular vet check-ups are crucial to monitor the health of any Cavalier. 

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Cavalier King Charles Spaniel

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