Pet Insurance for Spoodles

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

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, updated on September 29th, 2023       

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Price range

$900 – $4,000






Sociable, intelligent, affectionate

Coat length


Exercise needs




Life expectancy

12–15 years



The Spoodle is a popular crossbreed in Australia between the Poodle and the English Cocker Spaniel. This designer dog is sometimes referred to as the ‘Cockapoo’, though this typically refers to a Poodle and American Cocker Spaniel cross. 

Spoodles were first bred as companion dogs for those seeking a hypoallergenic and friendly family pet. They come in various sizes, depending on whether they are bred from a standard, miniature or toy Poodle. Their coats can range from curly to wavy, and they often inherit a diverse mix of colours.

Spoodles excel in various roles, from devoted family pets to skilled therapy and assistance dogs. Their intelligent and trainable nature makes them quick learners, and their friendly and sociable temperament means they get along well with children and other pets. They thrive on human interaction and are known to be affectionate, making them a great fit for families seeking a loving and playful companion.

Common diseases and conditions of Spoodles

  • Hip dysplasia: this is a hereditary condition where the hip joint doesn't develop properly. It can lead to arthritis and lameness.
  • Ear infections: due to their floppy ears, Spoodles can be prone to ear infections. Regular cleaning and inspection of the ears can help prevent this.
  • Eye conditions: conditions like cataracts and progressive retinal atrophy (PRA). Regular eye check-ups are important.
  • Allergies: Spoodles can be prone to allergies, which may manifest as skin issues, ear infections or digestive problems.
  • Luxating patella: this is a condition where the kneecap dislocates from its normal position, potentially causing lameness and pain.

Breed-specific issues:  

Spoodles can be reserved around strangers, necessitating early and consistent socialisation efforts. Their high intelligence requires regular mental stimulation to prevent boredom-driven behaviours such as excessive barking and destructive chewing. Owners should also be mindful of potential separation anxiety, as Spoodles form strong bonds with their families.

How much does pet insurance cost for a Spoodle?

There are many factors that can influence the cost of pet insurance for your Spoodle, 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 Spoodles

Are Spoodles good for first-time dog owners?

Yes – Spoodles can be a good choice for first-time dog owners due to their intelligence and trainability. However, they do require consistent training and socialisation, so commitment to their care and well-being is essential. Providing a structured and loving environment will help them thrive as part of the family.

Are Spoodles hypoallergenic?

Yes – Spoodles are considered hypoallergenic dogs. They have hair instead of fur, which reduces the amount of dander they produce. This can be beneficial for individuals with allergies. However, it's important to note that no dog breed is completely hypoallergenic, and individual reactions can still vary. Regular grooming and cleaning of their living environment can further help reduce allergens.

How much exercise does a Spoodle need?

Spoodles are an active and energetic breed. They typically require around 30 to 60 minutes of exercise per day. This can include walks, playtime and mental stimulation activities. Engaging them in interactive games like fetch or puzzle toys can also help meet their exercise needs.

Are Spoodles good with children?

Yes – Spoodles are known for their friendly and affectionate nature, making them great companions for children. They tend to be patient and gentle. However, as with any dog, supervision is important during interactions to ensure both the dog and the child are comfortable and safe.

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