Labrador pet insurance

Find out everything you need to know about insuring your Labrador

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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.

What is the best type of insurance for Labradors

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.

Average pet insurance cost for Labradors

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:

  • Male
  • 3-years-old
  • Not chipped
  • Bought for £400
  • Neutered
  • Up to date vaccinations
  • No pre-existing conditions
  • Non aggressive

Common health problems for Labradors

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:

  • Gastroenteritis
  • Lipomas
  • Tearing of the knee joint
  • Otitis externa
  • Degenerative joint disease

Average treatments costs

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 ProblemAverage treatment cost
Tearing of the knee joint£1000
Degenerative joint disease£230
Otitis externa£270

Fun facts about Labradors

  • They are called Labrador Retrievers because they used to be used as working dogs in the Labrador Sea.
  • The first official recognised member of the breed was named ‘Ben’.
  • They make excellent search and rescue dogs.
  • They are an extremely sociable breed and love just about everyone.
  • Black fur is considered the most common colour for the breed, whilst a brown coat is considered rare.

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