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Insuring the things that matter most to us often gives us peace of mind, and your cherished Labrador’s health is no exception.
It can often be difficult to decide which pet insurance policy is best, as not every policy suits the medical requirements for every breed. So, to find a policy that is right for your pup whilst and that won’t break the bank, check out our guide to finding the best insurance for your Lab.
When choosing which pet insurance policy is right for you and your Labrador, it’s important to recognise how each policy works in relation to your dog’s health requirements.
Although it is often the most expensive form of policy offered, a lifetime insurance policy may be a worthwhile investment to consider. There are a number of illnesses that your Labrador is likely to encounter that have the potential to become long-term, such as degenerative joint disease. This is an important factor to think about, as with a lifetime policy your financial limit for each condition restarts every year at renewal, and so you are less likely to fund treatments yourself.
If this does not appeal to you, consider a maximum benefit policy for your Labrador. This option is often more affordable, and you can claim more than once for the same condition should your Labrador need it. However, it is important to understand that with this policy your financial limit does not restart with renewal, so once the limit is reached you will have to pay for the treatment yourself.
We ran several quotes from a selection of reliable and well-known pet insurance providers to provide you with an average figure of how much your Labrador’s pet insurance might cost you. Our results estimated that, on average, you could pay £16.45 a month or a single annual payment of £185.83 to insure your Labrador with a lifetime policy.
In addition, we found that you could insure your Labrador with a maximum benefit policy for the cheaper price of £15.03 a month, or an annual payment of £173.43. To get these quotes we used the following pet information:
Whilst it is not nice to think of your Labrador being unwell or injured, when selecting your insurance policy it is important to be aware of the common health problems that they might encounter. Some of these illnesses could become ongoing or reoccur on a regular basis, and you should consider this when making your policy choice.
Common illnesses for Labrador’s include:
When considering which insurance policy is best for you between a maximum benefit and a lifetime policy, it is helpful to be aware of the average cost of treatments for some of the health problems your Labrador might experience. You should take these figures into consideration, as they are costs you may end up paying yourself:
Health Problem | Average treatment cost |
---|---|
Gastroenteritis | £480 |
Lipomas | £450 |
Tearing of the knee joint | £1000 |
Degenerative joint disease | £230 |
Otitis externa | £270 |
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