Labrador insurance
Thinking about insurance for your Labrador Retriever? The good news is that every US 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, with what each one typically costs to treat in a year, 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, with the typical cost of treatment in a year. "Likely" compares Labradors 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
- Swallowing something they shouldn't$400 to $1,000 a year50% more likely than the average dog
- Ear infection (otitis)$100 a year45% more likely than the average dogNationwide's 2025 claims: 80% of otitis externa claims cost up to $312 in the first 30 days.
- Hip dysplasiaa hip joint that doesn't develop properly$400 to $600 a year25% more likely than the average dogDoes pet insurance cover hip dysplasia?
As an adult
- Torn cruciate ligamenta knee injury that often needs surgery$3,600 to $4,500 a year70% more likely than the average dogWaiting periods for cruciate ligament cover
- Allergies$200 to $400 a year20% 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.
- Mast cell tumoura common skin cancer in dogs$1,200 to $2,100 a year60% more likely than the average dogDoes pet insurance cover cancer?
As a senior
- Lumps and masses$300 to $700 a year35% more likely than the average dog
- Arthritis$300 to $500 a yearTwice as likely as the average dogNationwide's 2025 claims: 80% of osteoarthritis claims cost up to $420 in the first 30 days and $1,245 in the first year.
- Osteosarcomabone cancer$1,900 to $4,300 a yearTwice as likely as the average dogDoes pet insurance cover cancer?
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 Labrador Retriever
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 Labradors?
All of these US insurers will insure a Labrador Retriever. Click a name to see what that policy covers.
Your questions answered
Can you get insurance for a Labrador Retriever?
Yes. All 9 US insurers we compare will insure a Labrador Retriever, and none of their policies excludes the breed.
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) 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.
More guides to dog insurance: Pet insurance for senior dogs · Puppy insurance · Multi-pet insurance · Dog insurance by breed · Pet insurance that covers pre-existing conditions · Does pet insurance cover dental? · What does dog insurance cover? · Pet insurance waiting period · Pet insurance deductible · Does pet insurance cover hip dysplasia? · Does pet insurance cover cancer? · Does pet insurance cover surgery? · Does homeowners insurance cover dog bites? · Costco dog insurance · PetSmart dog insurance · USAA dog insurance · State Farm dog insurance · Geico dog insurance · Trupanion vs Pets Best · Healthy Paws vs Trupanion