Pet Insurance for Coton de Tulears

Find out all about Coton de Tulears and their common health conditions, then compare pet insurance options from some of Australia’s leading insurers.

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, updated on September 21st, 2023       

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Price range

$2,000 – $6,500






Playful, affectionate, intelligent

Coat length


Exercise needs




Life expectancy

14–19 years

Coton de Tulear


The Coton de Tulear, originating from Madagascar, is a small white dog with a cotton-like coat from which it gets its name. With expressive dark eyes and a lively disposition, Cotons are renowned for their playful nature.

The Coton de Tulear’s affectionate disposition and love for human interaction make them wonderful family pets. They blend seamlessly into various households, from singles to large families with children to multi-pet homes, making them a versatile choice for a wide range of potential owners. This, coupled with their manageable size, makes them an excellent pick for those in search of an engaging and delightful canine companion.

Common diseases and conditions of Coton de Tulears

  • Hip dysplasia: this is a genetic condition where the hip joint doesn't develop properly. It can lead to arthritis and pain. Regular vet check-ups and a balanced diet can help manage this condition.
  • Luxating patella: this occurs when the kneecap slips out of place. It can cause discomfort and difficulty in walking. Surgery might be necessary in severe cases.
  • Progressive retinal atrophy (PRA): PRA is a group of genetic diseases that cause the retina to degenerate over time. It can lead to blindness. Early detection is important, and while there is no cure, supportive care can help.

Breed-specific issues:  

While Coton de Tulears are known for their affectionate nature, they may display reserved behaviour around strangers, emphasising the importance of early socialisation. This breed forms strong attachments to their owners and may experience separation anxiety when left alone for extended periods, underscoring the need for gradual desensitisation. They thrive in homes with attentive owners who can offer a stable and consistent routine. Regular playtime, walks and quality interaction with their owners are pivotal for their overall well-being and contentment.

How much does pet insurance cost for a Coton de Tulear?

There are many factors that can influence the cost of pet insurance for your Coton de Tulear, including the following: 

  • Age: the older your dog is, the more pet insurance is likely to cost. This is because older 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 for dogs available in Australia; accident-only, accident and illness, and comprehensive insurance. An accident-only policy is the cheapest type 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 may 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 top-of-the-range cover. 
  • 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, while 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 Coton de Tulears

Are Coton de Tulears considered a hypoallergenic breed?

Yes – Coton de Tulears are considered a hypoallergenic breed. This means that they are less likely to cause allergies in people who are sensitive to pet dander. While no dog breed is completely hypoallergenic, Cotons produce fewer allergenic proteins in their saliva and skin compared to many other breeds. This can make them a suitable choice for individuals with allergies to dogs. However, it's important to note that individual reactions can vary, so spending time with a Coton before bringing one into a household with allergy concerns is recommended.

How much exercise do Coton de Tulears need?

Coton de Tulears are moderately active dogs that benefit from regular exercise. They enjoy daily walks, playtime in a secure area, and interactive games with their owners. Around 30 minutes to an hour of exercise per day should suffice to keep them mentally and physically stimulated. It's important to remember that they also enjoy mental challenges, so incorporating activities like puzzle toys or obedience training can be beneficial.

Are Coton de Tulears good with children?

Yes – Coton de Tulears are known for their friendly and gentle nature, which generally makes them good companions for children. They tend to be patient and playful, forming strong bonds with family members, including kids. However, as with any dog breed, it's crucial to teach both the dog and children how to interact appropriately. Supervision is especially important with very young children to ensure that interactions are positive and safe for all parties involved.

Are Coton de Tulears easy to train?

Yes – Coton de Tulears are generally considered to be intelligent and eager to please, which can make them relatively easy to train. They respond well to positive reinforcement techniques, such as praise, treats, and play. However, it's important to be patient and consistent in training sessions. Early socialisation and basic obedience training are recommended to help them become well-adjusted and well-behaved companions.

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Coton de Tulear

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