Cavalier King Charles spaniel insurance
Thinking about insurance for your Cavalier King Charles Spaniel? The good news is that every US insurer we compare will insure Cavalier King Charles Spaniels, and none of them excludes the breed. What's most useful to know is which health problems Cavalier King Charles Spaniels claim for most often, so you can check a policy covers them well. Here they are by life stage, with what each one typically costs to treat in a year, along with how long Cavalier King Charles Spaniels usually live.
What health problems do Cavalier King Charles Spaniels have?
These are the conditions most often claimed for Cavalier King Charles Spaniels at each stage of life, from Trupanion's claims data, with the typical cost of treatment in a year. "Likely" compares Cavalier King Charles Spaniels with the average dog in Trupanion's data. Each bar shows the cost range on the same scale, so you can see which problems cost most.
As a puppy
- Slipping kneecap (patellar luxation)$400 to $2,200 a year3 times as likely as the average dog
- Tooth extraction$300 to $500 a year80% more likely than the average dogDoes pet insurance cover dental?
- Pneumonia$700 to $1,400 a yearAbout as likely as the average dog
As an adult
- Dental disease$400 to $700 a year2.5 times as likely as the average dogNationwide's 2025 claims: 80% of dental disease claims cost up to $1,420 in the first 30 days and $1,420 in the first year.Does pet insurance cover dental?
- Heart murmur$500 to $700 a yearOver 10 times as likely as the average dog
- Urinary tract infection$200 to $400 a year75% more likely than the average dogNationwide's 2025 claims: 80% of urinary tract infection claims cost up to $575 in the first 30 days.
As a senior
- Mitral valve diseasea leaky heart valve$600 to $700 a yearOver 10 times as likely as the average dogNationwide's 2025 claims: 80% of valvular heart disease claims cost up to $596 in the first 30 days and $1,283 in the first year.
- Congestive heart failure$900 to $1,500 a year4 times as likely as the average dog
- Syringomyeliafluid-filled cavities in the spinal cord$800 to $1,900 a yearOver 10 times as likely as the average dog
Source: Trupanion, Commonly Claimed Conditions (US claims data, June 2019); Nationwide's most common claims of 2025. Costs are Trupanion's average yearly cost of treatment, in US dollars.
What to check in a policy for a Cavalier King Charles Spaniel
Some of the conditions above have their own rules in pet insurance policies, such as longer waiting periods or exclusions if signs show early on. These guides show how each insurer handles them.
Which insurers cover Cavalier King Charles Spaniels?
All of these US insurers will insure a Cavalier King Charles Spaniel. Click a name to see what that policy covers.
Your questions answered
Can you get insurance for a Cavalier King Charles Spaniel?
Yes. All 9 US insurers we compare will insure a Cavalier King Charles Spaniel, and none of their policies excludes the breed.
How long do Cavalier King Charles Spaniels live?
The American Kennel Club gives a life expectancy of 12 to 15 years for the Cavalier King Charles Spaniel. It's worth choosing cover that stays with your dog for life, because the conditions Cavalier King Charles Spaniels claim for most tend to change as they get older.
Is Cavalier King Charles spaniel insurance more expensive?
We don't list prices, because they depend on your dog and where you live. Insurers do price by breed: Figo, for example, says premiums are based on the species or breed of your pet. The best way to compare is to get quotes and check how each policy covers the conditions Cavalier King Charles Spaniels are most likely to need.
What health problems are Cavalier King Charles Spaniels prone to?
In Trupanion's US claims data, the costliest conditions claimed for Cavalier King Charles Spaniels include slipping kneecap, syringomyelia and congestive heart failure. The full list by life stage is above.
Health data from Trupanion's US claims (June 2019) and Nationwide's 2025 claims; lifespan from the American Kennel Club; which insurers cover the breed from each insurer's own documents and exclusion lists, read in October 2026. Check the policy before you buy.
More guides to dog insurance: Pet insurance for senior dogs · Puppy insurance · Multi-pet insurance · Dog insurance by breed · Pet insurance that covers pre-existing conditions · Does pet insurance cover dental? · What does dog insurance cover? · Pet insurance waiting period · Pet insurance deductible · Does pet insurance cover hip dysplasia? · Does pet insurance cover cancer? · Does pet insurance cover surgery? · Does homeowners insurance cover dog bites? · Costco dog insurance · PetSmart dog insurance · USAA dog insurance · State Farm dog insurance · Geico dog insurance · Trupanion vs Pets Best · Healthy Paws vs Trupanion