How to buy the right Labrador Retriever Insurance

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Labrador Retrievers are friendly, energetic, and engaging dogs who are typically great with children. For decades now, Labradors have been one of the most popular dogs in the UK and many other countries.

So, there was no way we could leave these beautiful dogs off our list of breeds to research when carrying out our in-depth analysis of pet insurance policies.

What do you need to consider when buying vet insurance for a Labrador?

Regardless of what type of dog you are insuring, these are the kinds of coverage you are going to need: • Health insurance to cover the vet´s bills • Accident coverage • Public liability insurance • Lost dog coverage • Coverage for funeral costs OK, that´s the headline details. Let´s dive in and look at the kind of pet insurance that will work best for a Labrador.

Starting with the most important of these – comprehensive coverage for any health conditions your Labrador Retriever is prone to developing.

What health problems do Labrador retrievers typically suffer from?

Labrador retrievers are generally a healthy breed. But they are prone to the following health-related issues:

Hip dysplasia – hip joint laxity can occur as a result of poor development, which can eventually lead to the development of arthritis.

Elbow dysplasia- elbow joint laxity is another issue that can occur as a result of poor breeding and not getting enough exercise in early life. This condition can, in time, develop into arthritis.

Prone to obesity - these energetic dogs love their food. When they are young they eat quite a bit but burn it off. As they get older and slower, many owners do not adapt their diet to take account of the fact they are burning fewer calories. This combined with their natural tendency to put on weight often leads to them putting on weight and developing other health issues as a result. For example – joint issues, diabetes, arthritis, and heart conditions.

Inherited eye conditions – Labrador retrievers are prone to going gradually blind. These are the eye conditions that are usually behind this issue. The vast majority do not develop these issues. But if other dogs in their lineage did suffer from them, they will be more prone to developing the following issues:

• Hereditary Cataracts (HC) • General Progressive Retinal Atrophy (GPRA) • Total Retinal Dysplasia (TRD) • Multifocal Retinal Dysplasia (MRD)

How to avoid these common pitfalls when buying insurance for a lab

Before you buy any form of insurance, it is wise to pause and check the terms and conditions. When doing this for a labrador, pay particular attention to the following:

Some Insurers exclude congenital conditions (conditions that are hereditary in the breed) and some have bilateral condition exclusions.

You need a policy that does not exclude the various eye conditions Labradors can develop in later life.

Also, check what the limits are when it comes to coverage for joint-related health issues, such as cruciate ligaments. We have produced a pet insurance guide to help answer some of these issues.

How Much Is Labrador Insurance?

The average annual premium for lifetime dog insurance for a Labrador is £321. This is based on a 1 year old male Labrador retriever.

How to keep down the cost of Buying Labrador Insurance.

Try to buy your policy while your dog is young. The cost of a policy doubles if you leave it until your pet is 8 years old. For example, in that situation the average lifetime annual premium increases to £644.

One of the most common complaints about pet insurance is the increase in premiums at renewal time. There are a number of reasons your premium may increase, but the most common reason is your pets age.

From an Insurers point of view the older your pet is, the higher the risk of a medical issue. The average lifespan for a Labrador Retriever is between 10 - 12 years.

When choosing dog insurance, pay special attention to the age at which an Insurer will either no longer quote or require an additional payment when it comes to settling any claim.

Whilst there are cheaper policies with lower levels of cover are available, the graph below illustrates the average monthly premium increases as your dog gets older. The quotes are based on male Labrador Retriever aged between 1 and 12, and a lifetime policy with vet fees cover of at least £6,000 per year.

Average increase in premium as your dog gets older

Regardless of how much your quote is, remember to check exactly what is covered and always bear in mind that the age of your dog and where you live can affect how much you have to pay. Therefore, it is always worth shopping around because it will usually save you money.

Use our comparison engine to do that.

Our database contains details of every single pet policy that was available in the UK as of August 2020.

So, when you use our pet insurance comparison tool, you know you are getting the whole picture.

Do I need third party liability insurance coverage for my Labrador?

Regardless of the breed of dog you own, it is a good idea to have third-party insurance. If your dog hurts someone or causes damage you could be sued and be faced with a big bill.

Labs rarely bite people, but they can be a bit flighty and when young, quite boisterous. They could easily knock someone over while running, or cause another kind of accident, so choosing a policy that includes third-party liability makes a lot of sense. Some policies automatically include the cover, but some offer it as an option, so make sure you check carefully, to make sure your policy has it included.

What is the variation in cost between different types of dog insurance policy?

It can be a difficult choice deciding which type of dog insurance policy to choose. The graph below illustrates the difference in costs between a time limited, maximum benefit and lifetime policy, based upon insuring a five year old male Labrador Retriever.

If you are unsure what the difference is between the three types of policy our Pet Insurance guide explains it all in more detail.

How to buy the right Labrador Retriever Insurance

Which is the best dog insurance for Labrador Retrievers?

We have carried out careful and in depth research on the whole of the pet insurance market (not just those listed on comparison sites), to reveal some of the best dog insurance policies available for the Labrador Retriever breed of dog. The search criteria was for a pedigree Labrador Retriever costing £750 and residing in the home counties area. Quotes were based on a one year old, a six year old and a ten year old male and shows the best policies that were rated 3 stars or higher.

The Best Time Limited Pet Insurance for a one year old Labrador Retriever

The first pet insurance policies are those for a one year old labrador retriever. Premiums naturally get more expensive as your dog gets older, so it's important that you insure your dog as soon as possible. We have taken into account, the levels of cover, that the policy provides, the overall policy rating and of course the price.

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Per Condition Time Limited

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Value 12 Month

85

Click Heart to Favourite

Compare Now

Per Condition Time Limited 2,500

Complimentary Treatment 1,000

Dental 2,500

Death from Accident 650

Death from Illness 650

Theft or Straying 650

Advertising and Reward 650

Third Party Liability 1,000,000

Type:Dog

Cover:Per Condition Time Limited

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

365Flex £5,000

100

Click Heart to Favourite

Compare Now

Per Condition Time Limited 5,000

Complimentary Treatment 250

Dental 5,000

Death from Accident 750

Death from Illness 750

Theft or Straying 750

Advertising and Reward 750

Third Party Liability 1,000,000

Type:Dog

Cover:Maximum Benefit Time Limited

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Time Limited (£2,500)

99

Click Heart to Favourite

Compare Now

Maximum Benefit Time Limited 2,500

Complimentary Treatment 500

Dental 2,500

Death from Accident 250

Death from Illness 250

Theft or Straying 250

Advertising and Reward 250

Third Party Liability 2,000,000

Type:Dog

Cover:Per Condition Time Limited

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Time Limited £2500

75

Click Heart to Favourite

Compare Now

Per Condition Time Limited 2,500

Complimentary Treatment 500

Dental 2,500

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 2,000,000

Type:Dog

Cover:Per Condition Time Limited

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Time Limited Gold Annual

105

Click Heart to Favourite

Compare Now

Per Condition Time Limited 5,000

Complimentary Treatment 5,000

Dental 5,000

Death from Accident 1,250

Death from Illness 1,250

Theft or Straying 1,250

Advertising and Reward 700

Third Party Liability 1,000,000

Type:Dog

Cover:Per Condition Time Limited

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Pet Essential

95

Click Heart to Favourite

Compare Now

Per Condition Time Limited 4,000

Complimentary Treatment 4,000

Dental 0

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,000

Third Party Liability 2,500,000

Type:Dog

Cover:Per Condition Time Limited

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Essential

85

Click Heart to Favourite

Compare Now

Per Condition Time Limited 3,000

Complimentary Treatment 500

Dental 3,000

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 1,000

Third Party Liability 1,000,000

The Best Time Limited Pet Insurance for a six year old Labrador Retriever

The next set of recommended policies are based on a six year old Labrador.

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Per Condition Time Limited

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Time Limited Gold Annual

105

Click Heart to Favourite

Compare Now

Per Condition Time Limited 5,000

Complimentary Treatment 5,000

Dental 5,000

Death from Accident 1,250

Death from Illness 1,250

Theft or Straying 1,250

Advertising and Reward 700

Third Party Liability 1,000,000

Type:Dog

Cover:Per Condition Time Limited

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Value 12 Month

85

Click Heart to Favourite

Compare Now

Per Condition Time Limited 2,500

Complimentary Treatment 1,000

Dental 2,500

Death from Accident 650

Death from Illness 650

Theft or Straying 650

Advertising and Reward 650

Third Party Liability 1,000,000

Type:Dog

Cover:Maximum Benefit Time Limited

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Time Limited (£2,500)

99

Click Heart to Favourite

Compare Now

Maximum Benefit Time Limited 2,500

Complimentary Treatment 500

Dental 2,500

Death from Accident 250

Death from Illness 250

Theft or Straying 250

Advertising and Reward 250

Third Party Liability 2,000,000

Type:Dog

Cover:Per Condition Time Limited

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

365Flex £5,000

100

Click Heart to Favourite

Compare Now

Per Condition Time Limited 5,000

Complimentary Treatment 250

Dental 5,000

Death from Accident 750

Death from Illness 750

Theft or Straying 750

Advertising and Reward 750

Third Party Liability 1,000,000

Type:Dog

Cover:Per Condition Time Limited

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Time Limited £2500

75

Click Heart to Favourite

Compare Now

Per Condition Time Limited 2,500

Complimentary Treatment 500

Dental 2,500

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 2,000,000

Type:Dog

Cover:Per Condition Time Limited

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Pet Essential

95

Click Heart to Favourite

Compare Now

Per Condition Time Limited 4,000

Complimentary Treatment 4,000

Dental 0

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,000

Third Party Liability 2,500,000

Type:Dog

Cover:Per Condition Time Limited

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Essential

85

Click Heart to Favourite

Compare Now

Per Condition Time Limited 3,000

Complimentary Treatment 500

Dental 3,000

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 1,000

Third Party Liability 1,000,000

The Best Time Limited Pet Insurance for a ten year old Labrador Retriever

The final set of time limited policies are based on a ten year old Labrador Retriever

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Per Condition Time Limited

Age: 10

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Time Limited Gold Annual

105

Click Heart to Favourite

Compare Now

Per Condition Time Limited 5,000

Complimentary Treatment 5,000

Dental 5,000

Death from Accident 1,250

Death from Illness 1,250

Theft or Straying 1,250

Advertising and Reward 700

Third Party Liability 1,000,000

Type:Dog

Cover:Per Condition Time Limited

Age: 10

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Value 12 Month

85

Click Heart to Favourite

Compare Now

Per Condition Time Limited 2,500

Complimentary Treatment 1,000

Dental 2,500

Death from Accident 650

Death from Illness 650

Theft or Straying 650

Advertising and Reward 650

Third Party Liability 1,000,000

Type:Dog

Cover:Per Condition Time Limited

Age: 10

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Essential

85

Click Heart to Favourite

Compare Now

Per Condition Time Limited 3,000

Complimentary Treatment 500

Dental 3,000

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 1,000

Third Party Liability 1,000,000

Type:Dog

Cover:Per Condition Time Limited

Age: 10

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Time Limited £2500

75

Click Heart to Favourite

Compare Now

Per Condition Time Limited 2,500

Complimentary Treatment 500

Dental 2,500

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 2,000,000

Type:Dog

Cover:Per Condition Time Limited

Age: 10

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Pet Essential

95

Click Heart to Favourite

Compare Now

Per Condition Time Limited 4,000

Complimentary Treatment 4,000

Dental 0

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,000

Third Party Liability 2,500,000

Type:Dog

Cover:Per Condition Time Limited

Age: 10

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

365Flex £5,000

100

Click Heart to Favourite

Compare Now

Per Condition Time Limited 5,000

Complimentary Treatment 250

Dental 5,000

Death from Accident 750

Death from Illness 750

Theft or Straying 750

Advertising and Reward 750

Third Party Liability 1,000,000

The Best Maximum Benefit Policies for a one year old Labrador Retriever

Moving on to the more expensive Maximum Benefit policies. Some Insurers offer an overall limit, whereas others offer a limit per condition, so make sure you check carefully what the policy offers. The following policies are based on a one year old Labrador Retriever and are ranked in order of star rating and price.

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Pet Insurance Maximum Benefit £2,000

99

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 2,000

Complimentary Treatment 500

Dental 500

Death from Accident 500

Death from Illness 500

Theft or Straying 750

Advertising and Reward 750

Third Party Liability 1,000,000

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Silver

99

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 4,250

Complimentary Treatment 500

Dental 4,250

Death from Accident 500

Death from Illness 500

Theft or Straying 500

Advertising and Reward 500

Third Party Liability 1,000,000

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Standard

80

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 2,000

Complimentary Treatment 750

Dental 2,000

Death from Accident 500

Death from Illness 500

Theft or Straying 500

Advertising and Reward 500

Third Party Liability 2,000,000

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Maximum Benefit Silver Annual

95

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 4,000

Complimentary Treatment 4,000

Dental 4,000

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 650

Third Party Liability 1,000,000

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Classic £8,000

100

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 8,000

Complimentary Treatment 1,000

Dental 0

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 2,000

Third Party Liability 2,000,000

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Max Benefit £6,000

99

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 6,000

Complimentary Treatment 1,500

Dental 6,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 2,000,000

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Extra Cover £7,500

60

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 7,500

Complimentary Treatment 1,000

Dental 7,500

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,000

Third Party Liability 2,000,000

The Best Maximum Benefit Policies for a six year old Labrador Retriever

The next set of policies are based upon a six year old Labrador Retriever, once again ranked by star rating and price.

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Silver

99

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 4,250

Complimentary Treatment 500

Dental 4,250

Death from Accident 500

Death from Illness 500

Theft or Straying 500

Advertising and Reward 500

Third Party Liability 1,000,000

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Pet Insurance Maximum Benefit £2,000

99

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 2,000

Complimentary Treatment 500

Dental 500

Death from Accident 500

Death from Illness 500

Theft or Straying 750

Advertising and Reward 750

Third Party Liability 1,000,000

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Standard

80

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 2,000

Complimentary Treatment 750

Dental 2,000

Death from Accident 500

Death from Illness 500

Theft or Straying 500

Advertising and Reward 500

Third Party Liability 2,000,000

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Maximum Benefit Silver Annual

95

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 4,000

Complimentary Treatment 4,000

Dental 4,000

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 650

Third Party Liability 1,000,000

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Classic £8,000

100

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 8,000

Complimentary Treatment 1,000

Dental 0

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 2,000

Third Party Liability 2,000,000

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Extra Cover £7,500

60

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 7,500

Complimentary Treatment 1,000

Dental 7,500

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,000

Third Party Liability 2,000,000

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Max Benefit £6,000

99

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 6,000

Complimentary Treatment 1,500

Dental 6,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 2,000,000

The Best Maximum Benefits Policies for a ten year old Labrador Retriever

The final set of pet insurance policies are based upon a ten year old Labrador Retriever, ordered by Star rating and premium.

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 10

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Silver

99

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 4,250

Complimentary Treatment 500

Dental 4,250

Death from Accident 500

Death from Illness 500

Theft or Straying 500

Advertising and Reward 500

Third Party Liability 1,000,000

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 10

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Maximum Benefit Silver Annual

95

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 4,000

Complimentary Treatment 4,000

Dental 4,000

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 650

Third Party Liability 1,000,000

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 10

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Classic £8,000

100

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 8,000

Complimentary Treatment 1,000

Dental 0

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 2,000

Third Party Liability 2,000,000

1184.52

Full Details

Type:Dog

Cover:Maximum Benefit Per Condition

Age: 10

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Max Benefit £6,000

99

Click Heart to Favourite

Compare Now

Maximum Benefit Per Condition 6,000

Complimentary Treatment 1,500

Dental 6,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 2,000,000

1065.97

Full Details

The Best Lifetime Policies for a one year old Labrador Retriever

The Lifetime policy is designed as the name suggests to cover your dog for life. Cover is reinstated each year. As a result these policies tend to be the most expensive. Some Insurers offer an annual limit and others a limit per condition, so check to make sure you know what is being offered.

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Lifetime Bronze £3,000

60

Click Heart to Favourite

Compare Now

Lifetime Maximum Benefit 3,000

Complimentary Treatment 500

Dental 500

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 1,000

Third Party Liability 1,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Extra

90

Click Heart to Favourite

Compare Now

Lifetime Maximum Benefit 4,000

Complimentary Treatment 1,000

Dental 4,000

Death from Accident 1,250

Death from Illness 1,250

Theft or Straying 1,250

Advertising and Reward 750

Third Party Liability 1,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Lifetime Silver

99

Click Heart to Favourite

Compare Now

Lifetime Maximum Benefit 3,500

Complimentary Treatment 1,000

Dental 3,500

Death from Accident 250

Death from Illness 250

Theft or Straying 250

Advertising and Reward 0

Third Party Liability 1,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Ultra

90

Click Heart to Favourite

Compare Now

Lifetime Maximum Benefit 10,000

Complimentary Treatment 1,000

Dental 10,000

Death from Accident 1,750

Death from Illness 1,750

Theft or Straying 1,500

Advertising and Reward 1,000

Third Party Liability 2,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Lifetime Gold £12,000

60

Click Heart to Favourite

Compare Now

Lifetime Maximum Benefit 12,000

Complimentary Treatment 1,000

Dental 1,000

Death from Accident 2,000

Death from Illness 2,000

Theft or Straying 2,000

Advertising and Reward 2,000

Third Party Liability 2,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Accident & Illness (£6,000)

100

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Lifetime Maximum Benefit 6,000

Complimentary Treatment 1,500

Dental 6,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 2,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

LifetimeFlex £10,000

100

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Lifetime Maximum Benefit 10,000

Complimentary Treatment 2,000

Dental 10,000

Death from Accident 2,000

Death from Illness 2,000

Theft or Straying 2,000

Advertising and Reward 2,000

Third Party Liability 3,000,000

The Best Lifetime Policies for a six year old Labrador Retriever

The next set of quotes are based on a six year old Labrador Retriever. Once again policies are ordered by Star Rating and Price.

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Lifetime Bronze £3,000

60

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Lifetime Maximum Benefit 3,000

Complimentary Treatment 500

Dental 500

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 1,000

Third Party Liability 1,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Extra

90

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Lifetime Maximum Benefit 4,000

Complimentary Treatment 1,000

Dental 4,000

Death from Accident 1,250

Death from Illness 1,250

Theft or Straying 1,250

Advertising and Reward 750

Third Party Liability 1,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Lifetime Silver

99

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Lifetime Maximum Benefit 3,500

Complimentary Treatment 1,000

Dental 3,500

Death from Accident 250

Death from Illness 250

Theft or Straying 250

Advertising and Reward 0

Third Party Liability 1,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Lifetime Gold £12,000

60

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Lifetime Maximum Benefit 12,000

Complimentary Treatment 1,000

Dental 1,000

Death from Accident 2,000

Death from Illness 2,000

Theft or Straying 2,000

Advertising and Reward 2,000

Third Party Liability 2,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Ultra

90

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Lifetime Maximum Benefit 10,000

Complimentary Treatment 1,000

Dental 10,000

Death from Accident 1,750

Death from Illness 1,750

Theft or Straying 1,500

Advertising and Reward 1,000

Third Party Liability 2,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Regular Policy

99

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Lifetime Maximum Benefit 7,000

Complimentary Treatment 1,000

Dental 7,000

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 2,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Accident & Illness (£6,000)

100

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Lifetime Maximum Benefit 6,000

Complimentary Treatment 1,500

Dental 6,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 2,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

LifetimeFlex £10,000

100

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Lifetime Maximum Benefit 10,000

Complimentary Treatment 2,000

Dental 10,000

Death from Accident 2,000

Death from Illness 2,000

Theft or Straying 2,000

Advertising and Reward 2,000

Third Party Liability 3,000,000

The Best Lifetime Policies for a ten year old Labrador Retriever

The final set of quotes are based upon a ten year old Labrador Retriever, ordered by star rating and premium.

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 10

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Lifetime Bronze £3,000

60

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Lifetime Maximum Benefit 3,000

Complimentary Treatment 500

Dental 500

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 1,000

Third Party Liability 1,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 10

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Extra

90

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Lifetime Maximum Benefit 4,000

Complimentary Treatment 1,000

Dental 4,000

Death from Accident 1,250

Death from Illness 1,250

Theft or Straying 1,250

Advertising and Reward 750

Third Party Liability 1,000,000

1118.76

Full Details

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 10

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Lifetime Gold £12,000

60

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Lifetime Maximum Benefit 12,000

Complimentary Treatment 1,000

Dental 1,000

Death from Accident 2,000

Death from Illness 2,000

Theft or Straying 2,000

Advertising and Reward 2,000

Third Party Liability 2,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 10

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Ultra

90

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Lifetime Maximum Benefit 10,000

Complimentary Treatment 1,000

Dental 10,000

Death from Accident 1,750

Death from Illness 1,750

Theft or Straying 1,500

Advertising and Reward 1,000

Third Party Liability 2,000,000

1158.72

Full Details

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 10

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Accident & Illness (£6,000)

100

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Compare Now

Lifetime Maximum Benefit 6,000

Complimentary Treatment 1,500

Dental 6,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 2,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 10

Breed: Retriever (Labrador)

Group: Gundog

Product Rating

Experience Rating

Regular Policy

99

Click Heart to Favourite

Compare Now

Lifetime Maximum Benefit 7,000

Complimentary Treatment 1,000

Dental 7,000

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 2,000,000

Labrador insurance exclusions to look out for

Most pet insurance policies will not cover pre-existing conditions. These are medical conditions from which your pet has already suffered, even if they are now fully recovered and is one reason why it is a good idea to buy insurance while your pet is still young.

You are also not likely to be covered right away. Most insurance companies will not cover any claim for at least 14 days after you pay your first premium.

Remember to make sure that there is plenty of coverage for the health conditions Labs are more prone to developing.

Taking care of your yellow or black Labrador

Even if you do decide to buy pet insurance for your Lab, it is vital that you take good care of them. Doing so will help to prevent them from developing painful conditions and reduce the chances of your having to claim on your dog insurance policy.

Bear in mind that even lifetime policies have limits. There is usually a maximum amount a policy provider will payout for each condition. This is another reason looking after your dog is vital.

  • Exercise - it is recommended that you give them about 2 hours of exercise a day - certainly when they are younger.
  • Socialize with other dogs - letting your labs play with other dogs is a great way to burn off some of their extra energy. They are very sociable, so like contact with other dogs, pets, and humans.
  • Take them swimming - Labradors are good in the water, so if you can find somewhere safe, take them swimming. This is a great way to help keep arthritis at bay or help an already arthritic dog to stay active and away from the vet´s for longer.
  • Watch what you feed your chocolate Labrador - all Labradors tend to put on weight. So, limit how many treats you give them. When training them, use affection and positive reinforcement instead of food to let them know when you are pleased with them.
  • Keep up to date with vaccinations and parasite control - regardless of the breed of dog you have, be sure to vaccinate them and keep them free of fleas, ticks, worms, and other parasites.
  • Train your Labrador - as we mentioned labs can be quite boisterous and a bit clumsy. So, take the time to train your black or yellow lab retriever to listen to you. Keep an eye on them and step in if it looks like they are going to get too excited and do something stupid and hurt themselves or others.

So, there you have it, an overview of the type of pet insurance that is best for your Labrador Retriever. (Please note that although these are not specific recommendations as we don't have your exact details, we hope the information provided is helpful. You should always carry out your own research and satisfy yourself that a policy is suitable before purchase).

Along with a few tips to help you to take care of your pet to keep him or her strong and safe, so you do not have to use your dog insurance policy too often. If you would like to see best insurance recommendations for other breeds of pet click on our pet guides page.