Pet Insurance for Moodles

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

Written by 
Savvy Editorial Team
Savvy's content writing team are professionals with a wide and diverse range of industry experience and topic knowledge. We write across a broad spectrum of finance-related topics to provide our readers with informative resources to help them learn more about a certain area or enable them to decide on which product is best for their needs with careful comparison. Meet the team behind the operation here. Visit our authors page to meet Savvy's expert writing team, committed to delivering informative and engaging content to help you make informed financial decisions.
Our authors
, updated on September 28th, 2023       

Fact checked

At Savvy, we are committed to providing accurate information. Our content undergoes a rigorous process of fact-checking before it is published. Learn more about our editorial policy.

Price range

$2,000 –$4,500


20cm - 35cm


2kg - 6kg


Affectionate, intelligent, playful

Coat length

Varies, hypoallergenic

Exercise needs




Life expectancy

10 - 15 years



The Moodle is a popular crossbreed between a Maltese and a Poodle, either a toy or miniature poodle. In America and Europe, they are more commonly known as Maltipoos. This crossbreed combines the best traits of both parent breeds, with these small dogs having hypoallergenic coats and a very loving and affectionate nature. They have a wavy to curly coat that will vary depending on the lineage of their parents.  

Although not recognised as a distinct breed by kennel clubs, Moodles have become increasingly popular in Australia and worldwide in the past decade, along with other so-called ‘designer dogs' such as Cavadoodles, which are now Australia's most popular pet dog breed. The size of a Moodle will depend on the type of poodle used to breed it. If one parent was a Miniature Poodle, the offspring could be expected to grow to around 3.5kg – 5.5kg in weight and stand up to 35cm high. If a Toy Poodle was used as a parent, the Moodles will be slightly smaller, 2kg to 4kg, standing up to 25cm tall.  

Moodles are known for their friendly and adaptable nature. They make excellent companions for families with small children, and will readily adapt to apartment living. They have moderate exercise needs, with a short walk of 30 minutes a day plenty to keep them happy and occupied. Moodles are intelligent and respond well to training, but they are indoor dogs who do not enjoy being alone. 

Common diseases and conditions of Moodles

  • Hip Dysplasia: This is a common orthopaedic condition affecting the joint's development. It can lead to discomfort and mobility issues.  
  • Luxating Patella: Luxating patella is a condition where the kneecap (patella) dislocates from its normal position. It can cause lameness and discomfort.   

Breed-specific issues:

Moodles are people-pleasing dogs, and they love their families. They can also form a very close attachment to one particular person in a family. If they are left alone for long periods of time, they can suffer separation anxiety, so they are most suitable for households where there are people home most of the day. 

How much does pet insurance cost for a Moodle?

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 dog, which is why it's important to compare pet insurance policies. Factors affecting the cost of your insurance include: 

  • 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.
  • Gap-only insurance options: Some insurance companies offer a gap-only insurance option, which means when you go to the vet you'll only be required to pay the gap amount, not the cost of the whole bill. This is similar to the Medicare system of health insurance for humans in Australia, where gap payments can be made at HICAPS terminals at the time of treatment. 

Types of pet insurance you can choose from

Why compare pet insurance with Savvy?

Common questions about Moodles

Do Moodles make good lap dogs?

Yes, Moodles are often excellent lap dogs. Their small size and affectionate nature make them fond of cuddling up with their owners, providing companionship and warmth. 

Do Moodles bark a lot?

No, Moodles typically do not bark excessively. While they may alert you to visitors or unusual sounds, they are not known for continuous barking, making them suitable for suburban and apartment living. 

Do all Moodles have hypoallergenic coats?

Moodles have hypoallergenic coats inherited from both sides of their ancestry, the Maltese and the Poodle. Therefore, their coats are highly likely to be non-shedding and hypoallergenic.  

Do Moodles like to dig and burrow?

Yes, some Moodles may have a natural inclination to dig and burrow, especially if they are seeking a comfortable or warm spot to rest. If allowed on a bed they will often dig a ‘nest’ in the blankets to snuggle into.  

Helpful guides on pet insurance

Pet owner holding dog paw

Pet Euthanasia Cost Australia

Saying goodbye to a cherished pet is never easy. Our guide offers insights into pet euthanasia costs and options, helping...

Pet Insurance Banner

What Does Pet Insurance Cover?

Are you wondering what pet insurance covers? Find out all about pet insurance and the cover it provides here with Savvy.   ...

Is pet insurance worth it

Is Pet Insurance Worth it?

Are you wondering about the cost of pet cover and wondering is pet insurance worth it? Find out all you...

Compare pet insurance policies with Savvy

Whether you're buying for your dog or cat and whether they're big or small, you can compare pet insurance policies tailored to your furry friend's needs from Savvy's panel of trusted Australian insurers. Grab a free, no-obligation quote today!

We'd love to chat, how can we help?

By clicking "Submit", you agree to be contacted by a Savvy broker and to receive communications from Savvy which you can unsubscribe from at any time. Read our Privacy Policy.