Lifetime cover
Protects your pet for life, as long as the policy is renewed each year.
💡 Most popular
Protect yourself from expensive vet bills
Easily compare multiple quotes to find the best deal
Earn up to £130 in rewards every year with *
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)
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 £18.57* a month. Labrador insurance, in contrast, costs an average of £20.48* a month.
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%* more for their pet insurance. A pet that has had complaints made about it will cost its owners 6.34%* more.
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%* on average.
You can find much bigger savings of up to 44.23%* by selecting an accident-only insurance policy, but you will get much more limited cover.
According to the Association of British Insurers (ABI)
There are four main types of Labrador pet insurance:
Protects your pet for life, as long as the policy is renewed each year.
💡 Most popular
Sets limits on how much you can claim for any given illness or injury.
Covers your pet for a specific period of time (usually 12 months).
Only covers accidents, not illnesses.
💡 Cheapest
Cover varies by provider and policy, so always check your insurance documents.
✔ Vet bills e.g. medicines, therapies and prescriptions
✔ Hospital visits
✔ Diagnosing illnesses e.g. consultations, X-rays, MRIs
✔ Alternative therapies e.g. hydrotherapy or acupuncture
✔ Euthanasia
✔ Lost and stolen pets e.g. advertising, rewards, cost of animal
✔ Third party liability cover e.g. your dog harms someone or their property
✔ Emergency boarding fees e.g. while you are hospitalised
✖ 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
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.
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.
Labrador are prone to getting the following medical issues:
Joint problems
Obesity
Eye conditions
Ear infections
No, Labradors are not considered an aggressive do breed. Only 0.1%*of Labrador owners report that their Labrador show signs of aggression such as tackling or biting other people or pets.
While opting for a cheaper pet insurance policy might save you a few pounds a month, it's crucial to consider what the policy covers and the actual cost of veterinary care if your pet gets sick. According to the ABI, the average claim in the UK was £668* in 2023, almost 50% higher than the average cost of a policy. Consulting your vet about potential conditions and their costs can help you choose the right coverage for your pet.
Lauren Chong Senior Commercial Manager | Former vet
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.
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.
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. .
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.
We compare quotes from 37* of the most trusted providers, so you can easily compare cover level, vet fee limits, excess and price.
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
We’ll reward you every time you make a purchase. Exchange your earnings for a gift card for Amazon.co.uk*, Sainsbury’s & more
A years worth of free experiences across the UK. From London Zoo and Go Ape, to Hussle Swimming and English Heritage, there’s an adventure for everybody. Worth £180*.
Whether you're buying clothing, homewares or takeaways, earn up to 10%*cashback from brands like Just Eat, eBay & Argos.
You and your friends each get up to £20 when they join the Club and make a qualifying purchase. Win-Win!
Based on the 10th percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between April 2025 and June 2025 where only 1 pet was included in the quote.
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Based on the 51st percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between April 2025 and June 2025 where only 1 pet was included in the quote.
Based on the 51 percentile of monthly premiums our customers were quoted less than £18.57 per month for dog insurance based on quotes created on MoneySuperMarket in the month of June 2025 where only 1 pet was included in the quote and the pet didnt have pre-existing medical conditions
Based on Pet Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for all covertype.
ABI data 2023
Based on the volume of dog insurance quotes created on MoneySuperMarket between April 2025 and June 2025.
Accurate as of 11 July 2025.
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
Customer reviews of MoneySuperMarket pet insurance
See all reviewsAfter 8 years with the same Pet Insurance I received a renewal for almost double my premium, I tried MoneySupermarket for the first time. So easy to use and I was so surprised to see how quick my Pet Insurance quotes came through. The quote I went with gave me everything I had with my previous Insurer, with a monthly cost lower than I had been paying. Thank you Super MoneySupermarket
Anonymous
I looked at various comparison sites but MoneySuperMarket gave me the cover I needed that was better than I'd seen elsewhere
Ray
Easy and straightforward, plenty of choices for everyone, quick completion
Monika Bailey
Easy and quick to set up, piece of mind knowing my puppy is covered
Fay Rushby