Cocker spaniel insurance
Thinking about insurance for your Cocker Spaniel? The good news is that every US insurer we compare will insure Cocker Spaniels, and none of them excludes the breed. What's most useful to know is which health problems Cocker Spaniels claim for most often, so you can check a policy covers them well. Here they are by life stage, with what each one typically costs to treat in a year, along with how long Cocker Spaniels usually live.
What health problems do Cocker Spaniels have?
These are the conditions most often claimed for Cocker Spaniels at each stage of life, from Trupanion's claims data, with the typical cost of treatment in a year. "Likely" compares Cocker Spaniels with the average dog in Trupanion's data. Each bar shows the cost range on the same scale, so you can see which problems cost most.
As a puppy
- Cherry eyea red swelling in the corner of the eye$800 to $1,000 a year4 times as likely as the average dog
- Ear infection (otitis)$100 to $200 a year90% more likely than the average dogNationwide's 2025 claims: 80% of otitis externa claims cost up to $312 in the first 30 days.
- Seizures$400 to $700 a year35% more likely than the average dogNationwide's 2025 claims: 80% of seizures claims cost up to $783 in the first 30 days and $1,477 in the first year.
As an adult
- Allergies$200 to $400 a year45% more likely than the average dogNationwide's 2025 claims: 80% of skin allergies claims cost up to $286 in the first 30 days and $891 in the first year.
- Anaemiatoo few red blood cells$1,100 to $2,800 a year6 times as likely as the average dog
- Torn cruciate ligamenta knee injury that often needs surgery$2,200 to $3,600 a year85% more likely than the average dogWaiting periods for cruciate ligament cover
As a senior
- Congestive heart failure$900 to $2,100 a year2.5 times as likely as the average dog
- Lumps and masses$300 to $700 a year30% more likely than the average dog
- Glaucomahigh pressure inside the eye$1,000 to $1,800 a year5.5 times as likely as the average dog
Source: Trupanion, Commonly Claimed Conditions (US claims data, June 2019); Nationwide's most common claims of 2025. Costs are Trupanion's average yearly cost of treatment, in US dollars.
What to check in a policy for a Cocker Spaniel
Some of the conditions above have their own rules in pet insurance policies, such as longer waiting periods or exclusions if signs show early on. These guides show how each insurer handles them.
Which insurers cover Cocker Spaniels?
All of these US insurers will insure a Cocker Spaniel. Click a name to see what that policy covers.
Your questions answered
Can you get insurance for a Cocker Spaniel?
Yes. All 9 US insurers we compare will insure a Cocker Spaniel, and none of their policies excludes the breed.
How long do Cocker Spaniels live?
The American Kennel Club gives a life expectancy of 10 to 14 years for the Cocker Spaniel. It's worth choosing cover that stays with your dog for life, because the conditions Cocker Spaniels claim for most tend to change as they get older.
Is Cocker spaniel 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 Cocker Spaniels are most likely to need.
What health problems are Cocker Spaniels prone to?
In Trupanion's US claims data, the costliest conditions claimed for Cocker Spaniels include torn cruciate ligament, anaemia and congestive heart failure. The full list by life stage is above.
Health data from Trupanion's US claims (June 2019) and Nationwide's 2025 claims; 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.
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