Pet Insurance for Cavoodles

Find out all about Cavoodles 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



25cm - 38cm


5kg - 12kg


Affectionate, friendly, loving

Coat length

Medium, wavy, hypoallergenic

Exercise needs

Low to moderate



Life expectancy

13 - 15 years



The Cavoodle is a hybrid breed, a cross between the Cavalier King Charles Spaniel and either the Miniature or Toy Poodle. The origin of this crossbreed is disputed. It was probably first bred intentionally in Australia in the 1950s and then exported to the United States. These charming dogs were first bred as a response to the growing demand for low-shedding, hypoallergenic family pets. They quickly gained popularity due to their friendly disposition and appealing appearance, and are now one of the most popular family pets in Australia, although they are still not recognised as a stable breed. They come in a variety of sizes, from miniature to small, and generally don’t grow to more than 12kg depending on the genetics of their parents.  

Cavoodles typically possess a soft, wavy or curly coat that requires regular grooming to maintain its hypoallergenic qualities and prevent matting. However, not all Cavoodles are hypoallergenic, and some do shed. Their small to medium size makes them suitable for almost all homes, from apartments to houses with large backyards. Renowned for their intelligence and trainability, they excel in obedience training and agility sports. Their affectionate and sociable nature makes them excellent companions for families and individuals alike. Cavoodles thrive on human interaction and will form strong bonds with their owners. They are usually friendly towards other dogs and cats and are safe to have around small children.  

Common diseases and conditions of Cavadoodles

  • Mitral Valve Heart Disease: King Charles Spaniels are predisposed to mitral valve heart disease, a heart condition that is the leading cause of death amongst this breed. Therefore, some Cavoodles may inherit this genetic condition from their parents.
  • 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 ear folds, Cavoodles 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 eventual curvature of the spine. 

Breed-specific issues:

The loving and affectionate nature of Cavoodles makes them sensitive to being left alone for long periods, and they can suffer from separation anxiety. They should be supervised around smaller animals such as guinea pigs and rabbits.

How much does pet insurance cost for a Cavoodle?

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 Cavoodle, 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

Why compare pet insurance with Savvy?

Common questions about Cavoodles

How do I know if my Cavoodle puppy will have a hypoallergenic coat or not?

The hypoallergenic nature of a Cavoodle's coat depends on their genetic inheritance. If one parent has a Poodle's curly, non-shedding coat, there's a higher chance of hypoallergenic offspring. However, it's not guaranteed, so it's advisable to consult with a breeder who guarantees low-shedding Cavoodles if allergy is an issue for you. 

How do I know how big my Cavoodle puppy will grow up to be?

Predicting a Cavoodle's adult size can be challenging, as it's based on the size and genetics of their Poodle parent. Miniature or Toy Poodle crosses typically result in smaller Cavoodles, while Standard Poodle crosses will result in larger puppies. It’s important to know the history of your puppy’s dam and sire, which a good breeder will always supply information about. 

Do Cavoodles make good lap dogs?

Yes, most smaller Cavoodles make wonderful lap dogs due to their Toy or Miniature Poodle genes, which results in a cuddly dog with an affectionate and sociable nature. However, larger Cavoodles who have standard Poodle in their genetic makeup may be less inclined to snuggle up and may prefer a more energetic lifestyle. 

How often do Cavoodles need to be groomed?

The grooming needs of a Cavoodle depend on their coat type. Curly non-shedding coats generally require less grooming than longer silky ones. Regular brushing and grooming sessions every week are typically recommended to keep their coats healthy and mat-free. 

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