Pet insurance for mixed-breed dogs
Every insurer we checked covers mixes. What each says about them, and why a mix still benefits from cover.
Updated October 6, 2026. Plan facts come from each insurer's published documents; each insurer's policy documents control.
The short answer
Yes: mixed-breed dogs can be insured with every insurer that addresses it, and Fetch, Odie, Pets Best and Spot say they cover all breeds and mixes. Lemonade says many mixed breeds tend to have lower premiums than purebreds; Odie asks you to pick "mixed breed" and a size when you quote.
What will it cost for your dog?
Pick your breed, age and ZIP code to see the estimated monthly price from the insurers we compare.
Mixed breeds, by insurer
| Insurer | Mixed breeds | Notes |
|---|---|---|
| Embrace | Mixed breed toy example from $13.88/mo[1] | Embrace lists a 5-year-old mixed breed (toy) dog in Indiana with estimated premium starting from $13.88. |
| Fetch | All breeds covered, incl. breed-specific issues[2] | Fetch welcomes all dogs and cats 6 weeks and older and covers new conditions for all breeds. Mixed-breed pricing not stated. |
| Healthy Paws | Not stated publicly | We found no answer in Healthy Paws's published policy, terms or FAQ. |
| Lemonade | Mixed breeds often lower premiums[3] | Lemonade says many mixed breed dogs tend to have lower premiums than purebreds, though price depends on other factors. |
| Odie | All breeds; select mixed breed and size[4] | Plans are available for all dog and cat breeds; for mixed breeds, select mixed breed and indicate size when quoting. |
| Pets Best | Mixed breeds eligible[5] | Pets Best says mixed-breed dogs are absolutely eligible, regardless of breed or mix; no mixed-breed pricing stated. |
| Spot | No breed exclusions, mixes to purebreds[6] | Spot states it has no breed exclusions, from mixes to purebreds. |
| Trupanion | Not verified yet | Trupanion's website blocks automated requests, so we could not check this against its policy yet. Ask Trupanion directly. |
From each insurer's own sample policy, terms or FAQ, checked October 6, 2026. Terms vary by state and plan, and the policy you buy controls.
Check how this applies to your breed
What this means for your dog
Being a mix does not mean being free of inherited problems. A UC Davis study of more than 27,000 dogs found 13 of 24 genetic disorders equally common in purebred and mixed-breed dogs, and cruciate ligament rupture more common in mixed breeds[7][8]. So the claims that matter most, like a torn knee ligament or hip dysplasia, apply to mixes too.
Insurers ask about mixes in different ways: Odie has you choose mixed breed and a size, and others ask for the closest breed. Answer the way your vet records describe your dog, since an insurer reviewing a claim will look at those records. Popular crosses have their own pages here, with estimates and conditions: Labradoodle, Goldendoodle, Cockapoo, and the general mixed breed page.
Hereditary and congenital conditions are covered by accident and illness plans for mixes on the same terms as purebreds: they must not be pre-existing. Hereditary cover, by insurer.
Before you buy
- Ask how the insurer prices a mix: by size, by a parent breed, or both.
- Use the same breed or size description your vet records show.
- Check hereditary and orthopedic terms; they apply to mixes too.
- Compare at least two insurers, since mix pricing varies.
Questions owners ask
Can I insure a mixed-breed dog?
Yes. Fetch, Odie, Pets Best and Spot say they cover all breeds and mixes, and Embrace and Lemonade quote mixed-breed dogs.
Is pet insurance cheaper for mixed breeds?
Often. Lemonade says many mixed breeds tend to have lower premiums than purebreds, though the price depends on age, size and location too.
Do mixed-breed dogs get hereditary conditions?
Yes. A UC Davis study found 13 of 24 genetic disorders equally common in purebred and mixed-breed dogs, and cruciate ligament rupture more common in mixes.
Sources
- Embrace Dog Insurance. Embrace Pet Insurance.
- Does pet insurance exclude any breeds? | Fetch FAQs. Fetch.
- The Ulti-Mutt List of Adorable Mixed Breed Dogs. Lemonade.
- Help Center - Odie Pet Insurance. Odie Pet Insurance.
- Dog Insurance | Pets Best. Pets Best Insurance Services.
- Dog Insurance | Spot Pet Insurance. Spot Pet Insurance.
- Purebred dogs not always at higher risk for genetic disorders, study finds. UC Davis, 2013.
- Prevalence of inherited disorders among mixed-breed and purebred dogs: 27,254 cases (1995-2010) (JAVMA 2013; abstract via Europe PMC). Journal of the American Veterinary Medical Association, via Europe PMC, 2013.
How we choose and check sources: Sources we use.
Get an email if prices for your breed change
We update our estimates monthly. We will email you when the estimate for your dog changes, and nothing else.