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Pet Insurance for Labradors

Vanessa Tsai
Written by  Vanessa Tsai
Saarrah Mussa
Reviewed by  Saarrah Mussa
5 min read
Updated: 04 Apr 2024

Our guide goes through why labradors make great pets, and how to keep your labrador health and happy.

Why are labradors the perfect companion?

Labradors are a popular dog breed due to their friendly nature, eagerness to please, intelligence and versatility.

They’re great with children, easy to train, and can adapt to many different living environments. As well as being perfect family pets, labradors also make great guide dogs, therapy pets, sniffer dogs, companion dogs and more.

To make sure your canine companion is looked after in the event of an illness or injury, it’s important to get appropriate cover. With MoneySuperMarket, you can compare labrador pet insurance quotes and find cover that suits you and your pet.


Potential health issues in labradors

Labradors are generally hardy breeds, but there are some common health problems they may be more susceptible to, particularly as they get older. These include:

  • Joint issues – such as hip dysplasia and elbow dysplasia

  • Obesity

  • Cancer

  • Heart disease

  • Ear infections

  • Eye conditions – such as cataracts and progressive retinal atrophy

Choosing the right insurance plan for your labrador

When choosing insurance for your labrador, make sure your plan covers hereditary conditions, chronic illnesses, accidents, and emergency care. It’s also worth looking for policies that cover routine wellness exams and offer flexibility in choosing vets.

There are four types of pet insurance:

  • Lifetime coverage – This is the most extensive and continuous protection available. Comprehensive lifetime policy offers ongoing coverage for chronic or recurring conditions

  • Maximum benefit – This covers a condition up to a limit. However, the condition is no longer covered once you reach that limit, even if you renew your policy

  • Time limited – This is short-term protection that will cover a condition for up to 12 months. Once the time limit is up, the condition will no longer be covered, even if you renew the policy

  • Accident-only plan – Typically the cheapest option, this offers basic cover for accidents. However, it doesn’t cover illnesses or medical conditions

How much is pet insurance for a labrador?

The cost of your pet insurance depends on several factors, including:

  • Your pet’s age

  • Your pet’s medical history

  • Where you live

  • The level of cover provided

With MoneySuperMarket, you can compare dog insurance quotes.

How to maintain your labrador’s health

Like humans, dogs also need a healthy lifestyle and regular maintenance to thrive. As well as getting appropriate pet insurance, here are some things your dog will need to live a happy life:

  • A balanced diet – Getting the right food and nutrients will help keep your dog healthy. It’s also important to tailor the portion size to suit its age and activity level

  • Physical activity – Labradors are big dogs, so they need a lot of exercise to stay fit and active. As well as going for walks, you could consider agility or swimming classes to give your pet some variety

  • Social interaction – Let your pet interact with other friendly dogs when you’re out for a walk, or arrange meet-ups with other dog walkers

  • Regular vet check-ups – Keep up with vet appointments, vaccinations and preventive treatments to keep your dog’s health in check

  • Dental care – Get into the habit of good oral hygiene by regularly brushing your pet’s teeth and giving them dental treats to chew on

What if my labrador has a pre-existing condition?

If your pet has a pre-existing condition, a standard pet insurance policy might not cover it – or you may be charged higher premiums.

So, it’s worth taking out specialist pet insurance. Although they’re more expensive, they’ll cover your dog’s pre-existing health conditions and any ongoing treatments.

What else should I consider when it comes my labrador’s pet insurance?

When deciding on the most suitable cover for your pet labrador, it’s worth thinking about the following factors:

  • Cost vs coverage – Weigh up the cost of the policy against the cover it provides. Make sure it’s within your budget while offering enough protection for your pet

  • Excess fees – Check the amount you’ll need to pay out-of-pocket before the insurance kicks in

  • Policy limits – Consider the policy’s annual or lifetime limits and how it aligns with your pet’s potential vet costs

  • Policy exclusions – Read the fine print for any exclusions that might affect your eligibility for claims

  • Customer reviews – Have a look at the reviews of the insurer to see existing customers’ experiences

  • Claim process – It’s good to get to grips with your insurance provider’s claim process to make sure it’s straightforward

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