Pet Insurance for Toy Poodles

Find out all about Toy Poodles 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 29th, 2023       

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Price range

$2,000 –$6,000


24cm - 28cm


2.4kg - 4kg


Intelligent, alert, active

Coat length

Curly, hypoallergenic

Exercise needs




Life expectancy

12 - 15 years

Toy Poodle


The Toy Poodle stands as the smallest of the recognised Poodle varieties, with a shoulder height of less than 28 centimetres. However, there are even smaller Toy Poodles being bred, which are known as ‘Teacup Poodles.’ These tiny dogs, which may only stand 14cm – 20cm tall, are not recognised as a separate breed by kennel clubs and are often regarded just as small versions of the Toy Poodle. 

The exact origin of the Poodle breed is disputed. It probably originated from either France or Germany, where it was used as a water-retrieving dog. Due to their high intelligence, they were popular circus dogs, often trained to perform tricks. To make them easier to transport and house, circus staff gradually bred them down in size to create the modern delightful and compact companion dog we know as the Toy Poodle. 

Toy Poodles are renowned for their elegance, intelligence, sense of humour and cheerful disposition. They have a distinct, curly coat that is hypoallergenic and non-shedding, making them a popular choice for allergy sufferers. Their remarkable intelligence and trainability sets them apart, as they excel in doing tricks, obedience training and agility. Despite their small stature, Toy Poodles have substantial personalities. They are known for their liveliness, affection, and strong desire for human interaction. These qualities make them exceptional family pets, even for families with small children.  

Common diseases and conditions of Toy Poodles

  • Addison’s Disease: A deficiency of hormones made by the adrenal glands. Also known as hypoadrenocorticism, it can cause poor appetite and lethargy, but it is a treatable condition if detected early.
  • Hypothyroidism: A thyroid disorder that can impact metabolism and overall health. 
  • Hypoglycemia: Low blood sugar is a potential issue with all toy breeds of dog, as they don’t have the fat reserves to supply adequate glucose in times of stress or if they are subject to heat-stress. 
  • Hip Dysplasia: This is a common orthopaedic condition affecting the joint's development. It can lead to discomfort and mobility issues.  

Breed-specific issues:  

The intelligence of Toy Poodles makes them quick learners, and they enjoy activities that challenge their minds. However, if they are not given sufficient mental and physical stimulation, they can bark excessively and become possessive of their toys and living space, making them less agreeable to sharing that space with other pets. 

How much does pet insurance cost for a Toy Poodle?

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 Toy Poodles

Are all Toy Poodles hypoallergenic?

Yes, Toy Poodles are considered hypoallergenic due to their minimal shedding and low dander production. However, the extent to which they are hypoallergenic will vary according to their breeder. This does make the Poodle breed a suitable choice for people with dog allergies.  

Do Toy Poodles get along well with other pets including cats?

Toy Poodles are known for their friendly and adaptable nature, making them generally good with other pets, including other breeds of small dogs and cats. However, very shy poodles can easily become frightened of larger pets and can be vocal, or become snappy and possessive of their toys if they don’t feel secure. Due to their tiny size they need protecting from larger pets as they can be quite fragile little dogs. 

Do Toy Poodles require professional grooming?

Yes, Toy Poodles have a curly coat that requires regular grooming to prevent matting and maintain their appearance. Regular brushing at least weekly or more often is needed, and professional grooming is often required every six to eight weeks.  

Do Toy Poodles bark a lot?

Yes, Toy Poodles have a tendency to be vocal. While they may not have excessively loud voices, they are alert and often yap or bark to signal perceived threats or changes in their environment. Proper training and socialisation can help curb excessive barking tendencies in Toy Poodles, making them more well-mannered and adaptable companions. 

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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!
Toy Poodle

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