Labrador insurance
Thinking about insurance for your Labrador Retriever? The good news is that every UK insurer we compare will insure Labradors, and none of them excludes the breed. What's most useful to know is which health problems Labradors claim for most often, so you can check a policy covers them well. Here they are by life stage, along with how long Labradors usually live.
What health problems do Labradors have?
These are the conditions most often claimed for Labradors at each stage of life, from Trupanion's claims data. "Likely" compares Labradors with the average dog in Trupanion's data.
As a puppy
- Swallowing something they shouldn't50% more likely than the average dog
- Ear infection (otitis)45% more likely than the average dog
- Hip dysplasiaa hip joint that doesn't develop properly25% more likely than the average dog
As an adult
- Torn cruciate ligamenta knee injury that often needs surgery70% more likely than the average dog
- Allergies20% more likely than the average dog
- Mast cell tumoura common skin cancer in dogs60% more likely than the average dog
As a senior
- Lumps and masses35% more likely than the average dog
- ArthritisTwice as likely as the average dog
- Osteosarcomabone cancerTwice as likely as the average dog
Source: Trupanion, Commonly Claimed Conditions (US claims data, June 2019). From US claims, so costs aren't shown here; the conditions are the same wherever your dog lives.
Which insurers cover Labradors?
All of these UK insurers will insure a Labrador Retriever. Click a name to see what that policy covers, in plain English, from its own documents.
- Petplan
- Admiral
- Animal Friends
- Direct Line
- Waggel
- More Than
- Agria
- Sainsbury's
- John Lewis
- Tesco
- PDSA
- Marks and Spencer
- RSPCA
- Argos
- Post Office
- Churchill
- LV=
ManyPets isn't listed because its website asked us to verify we were human, so we couldn't read its list of excluded breeds.
Your questions answered
Can you get insurance for a Labrador Retriever?
Yes. All 17 UK insurers we compare will insure a Labrador Retriever, and none lists the breed on its exclusion list. UK exclusion lists mostly cover banned and bully types; ManyPets isn't included here because we couldn't read its list.
How long do Labradors live?
The American Kennel Club gives a life expectancy of 11 to 13 years for the Labrador Retriever. It's worth choosing cover that stays with your dog for life, because the conditions Labradors claim for most tend to change as they get older.
Is Labrador insurance more expensive?
We don't list prices, because they depend on your dog and where you live. Insurers do price by breed: Figo, for example, says premiums are based on the species or breed of your pet. The best way to compare is to get quotes and check how each policy covers the conditions Labradors are most likely to need.
What health problems are Labradors prone to?
In Trupanion's US claims data, the costliest conditions claimed for Labradors include torn cruciate ligament, osteosarcoma and mast cell tumour. The full list by life stage is above.
Health data from Trupanion's US claims (June 2019); lifespan from the American Kennel Club; which insurers cover the breed from each insurer's own documents and exclusion lists, read in October 2026. Check the policy before you buy. Barklopedia doesn't arrange UK insurance.
More guides to dog insurance: Pet insurance for older dogs · Third party liability insurance for dogs · Dog insurance by breed · Multi dog insurance · Lifetime pet insurance · Pet insurance for pre-existing conditions · Does pet insurance cover dental? · What does dog insurance cover? · Pet insurance excess