Lifetime cover
Protects your pet for life, as long as the policy is renewed each year.
📍 84%[10] of customers choose lifetime pet insurance
Labrador pet insurance
Compare Labrador insurance.
Quotes from £5.38[1]
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Do I need Labrador pet insurance?
Pet insurance is not a legal requirement in the UK. But it can financially protects you if your Labrador is hurt or involved in an incident.
Labrador insurance can cover costs in the following situations:
Your Labrador is ill, injured, or needs to be put down
Your Labrador is lost or stolen
Your Labrador harms someone or their property (including their pets)
How much is Labrador dog insurance?
Are Labradors expensive to insure?
Pedigree dogs often cost more to insure and they can be prone to genetic conditions. That said a healthy Labrador is not generally more expensive to insure than many other breeds.
The average cost of dog insurance is £12.33[6] a month. Labrador insurance, in contrast, costs an average of £13.90[4] a month.
What impacts the cost of pet insurance?
Some factors that change the price you pay for pet insurance are:
The type of cover you select
Your pet's age
Your pet's breed
If your pet has any history of aggression
If your pet has any pre-existing medical conditions
Your location
Your claim history
On average, owners of aggressive pets pay 8.50%[7] more for their pet insurance. A pet that has had complaints made about it will cost its owners 6.34%[7] more.
How can I get cheaper pet insurance?
Some ways to reduce the price of your pet insurance premiums include:
Compare quotes
Select a multi-pet policy
Select an accident-only policy
Maintain your pet's health
Increase your excess
Pay annually
Spay or neuter your pet
Spaying or neutering your pets will reduce your insurance costs by an average of 0.56%[7] on average.
You can find much bigger savings of up to 40.41%[8] by selecting an accident-only insurance policy, but you will get much more limited cover.
What type of Labrador insurance should I get?
There are four main types of Labrador pet insurance:
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Maximum benefit
Sets limits on how much you can claim for any given illness or injury.
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Time limited cover
Covers your pet for a specific period of time (usually 12 months).
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Accident only cover
The cheapest option, but it only covers accidents, not illnesses.
📍 Accident only policies are 40.41%[8] cheaper on average
What is the most common pet insurance claim for Labradors?
These are the 5 most common claims made on Labrador pet insurance, according to The Insurance Emporium.
Will my pet insurance cover all these illnesses and accidents?
Accident-only policies cover injuries like a fractured bone, but they don’t include illnesses such as growths, cysts and tumours. So if your Labrador developed an undiagnosed mass, you’d be paying an average of £688[9] yourself.
Time-limited and maximum benefit policies do include illnesses, but only for a fixed time or up to a set amount. Once that limit is reached, chronic and recurring conditions like arthritis are no longer covered. That could mean repeated out-of-pocket costs of £258[9].
Lifetime policies renew the vet fees limit each year, so you can continue claiming for ongoing conditions. The downside is premiums usually increase annually, and switching insurer means losing cover for existing conditions.
What does Labrador insurance cover?
Cover varies by provider and policy, so always check your insurance documents.
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Typically covered
✔ Vet billse.g. medicines, treatments and prescriptions
✔ Hospital visits
✔ Diagnosing illnesses e.g. consultations, X-rays, MRIs
✔ Dental treatment for accidents, like breaking a tooth
✔ Alternative therapies e.g. hydrotherapy or acupuncture (when recommended by a vet)
✔ Euthanasia (putting pets down)
✔ Lost and stolen pets e.g. advertising, rewards, refund of purchase price
✔ Third party liability cover e.g. your dog harms someone or their property
✔ Emergency boarding fees e.g. if you are unexpectedly hospitalised
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Not typically covered
✖ Routine care e.g. pet vaccinations, boosters, regular check-ups
✖ Routine dental treatment including routine check-ups
✖ Fleas and worming
✖ Elective or cosmetic treatments
✖ Cremation and burial
✖ Training and obedience classes
✖ Banned breeds or dog breeds classed as dangerous
✖ Unvaccinated or unmicrochipped animals
Can I get pet insurance if my Labrador has a pre-existing condition?
Yes. You can cover most pre-existing conditions if you take out specialist pet insurance. These policies will almost certainly be pricier than standard policies.
Can I get pet insurance if my Labrador is aggressive?
Yes, pet insurers will usually still cover your Labrador if they sometimes bite or otherwise act aggressively. But you will probably have to pay higher insurance premiums.
What health issues do Labradors have?
Labrador are prone to getting the following medical issues:
Joint problems
Obesity
Eye conditions
Ear infections
Are labradors an aggressive dog breed?
No, Labradors are not considered an aggressive do breed. Only 0.2%[12]of Labrador owners report that their Labrador show signs of aggression such as tackling or biting other people or pets.
Our expert says…
While opting for a cheaper pet insurance policy might save you a few pounds a month, it's a good idea to consider what the policy covers and the actual cost of veterinary care if your pet gets sick.
According to the ABI, the average pet insurance claim in the UK was £685[13] in 2024. That's significantly higher than the average annual cost of cover for a dog (£165.43[14]) or cat (£81.48[15]).
And while that’s the average, some conditions can be far more expensive. For example, treatment for elbow dysplasia, a common condition in large dog breeds, can cost over £50,000, according to the ABI.
Lauren Chong Pet Insurance Expert
Frequently Asked Questions
Do Labradors make for good pets?
Labradors make great family pets. They are friendly, loyal by nature and affectionate. Their eagerness to please makes them easier to train and great with children and other dogs.
As with other breads they will need patience, stimulation, socialisation and exercise to ensure a level temperament.
Do I need to get my Labrador microchipped?
Yes. In the UK it is a legal requirement that all dogs are microchipped and registered before they are eight weeks old.
If you do not microchip your dog you can be fined up to £500.
What is the life expectancy of a Labrador dog?
The average lifespan of a Labrador typically ranges from 10 to 12 years. But this can vary depending on factors such as genetics, overall health, diet, exercise, and veterinary care. .
How much exercise does a Labrador need?
A healthy Labrador, on average, needs around 60-90 minutes of exercise daily. All Labradors are different and some may require more or less but a good starting point is 30 minutes and adjust accordingly to their needs.
Compare pet insurance quotes from the UK's leading insurers
We compare quotes from 37[16] of the most trusted providers, so you can easily compare cover level, vet fee limits, excess and price.
What information do I need to get a pet insurance quote?
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Pet’s age
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Pet's breed or size
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Pet's cost
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Pet's behavioural history
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Pet's medical history
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Pet's health*
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Reviewed on 23 Sep 2026
Sources and supporting information
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[1]
Based on the 10th percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote.
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[2]
SuperSaveClub restrictions and T&Cs apply. Click here for details.
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[3]
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
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[4]
Based on the 51st percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote.
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[5]
Based on the average amount paid or donate for dog insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026.
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[6]
Based on the 51 percentile of monthly premiums our customers were quoted less than £12.33 per month for dog insurance based on quotes created on MoneySuperMarket in the month of August 2026 where only 1 pet was included in the quote and the pet didnt have pre-existing medical conditions
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[7]
Based on Pet Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for all covertype.
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[8]
Based on Pet Insurance enquiries on MoneySuperMarket between 2026-04-01 and 2026-07-01 where the quote was for all covertype.
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[9]
Based on the Insurance Emporium's claims data, January-June 2026
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[10]
Percentage of sold polices where the user searched for a covertype of LIFETIME. Using Moneysupermarket policies sold between June 2026 and August 2026.
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[11]
Based on The Insurance Emporium's claims data, January to December 2025
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[12]
Based on the volume of dog insurance quotes created on MoneySuperMarket between September 2024 and August 2026.
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[13]
Source: Association of British Insurers (ABI), 2025, 'Insurance payouts for ‘pawly’ pets top £1 billion for third year in a row' https://www.abi.org.uk/news/news-articles/2025/5/insurance-payouts-for-pawly-pets-top-1-billion-for-third-year-in-a-row/
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[14]
Based on the median annual premium our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote and more less than 1 year old.
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[15]
Based on the median annual premium our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote and more less than 1 year old.
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[16]
Accurate as of 18 September 2026.
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[17]
T&Cs and restrictions apply, see here for more information
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[18]
T&Cs apply, click here for more information
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[19]
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
