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.
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.
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)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.
The average annual premium for lifetime dog insurance for a Labrador is £321. This is based on a 1 year old male Labrador retriever.
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.
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.
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.
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.
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Type:Dog
Cover:Per Condition Time Limited
Age: 1
Breed: Retriever (Labrador)
Group: Gundog
85
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
100
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
99
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
75
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
105
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
95
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
85
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
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Type:Dog
Cover:Per Condition Time Limited
Age: 6
Breed: Retriever (Labrador)
Group: Gundog
105
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
85
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
99
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
100
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
75
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
95
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
85
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
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Type:Dog
Cover:Per Condition Time Limited
Age: 10
Breed: Retriever (Labrador)
Group: Gundog
105
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
85
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
85
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
75
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
95
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
100
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
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Type:Dog
Cover:Maximum Benefit Per Condition
Age: 1
Breed: Retriever (Labrador)
Group: Gundog
99
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
99
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
80
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
95
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
100
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
99
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
60
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
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Type:Dog
Cover:Maximum Benefit Per Condition
Age: 6
Breed: Retriever (Labrador)
Group: Gundog
99
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
99
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
80
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
95
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
100
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
60
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
99
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
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Type:Dog
Cover:Maximum Benefit Per Condition
Age: 10
Breed: Retriever (Labrador)
Group: Gundog
99
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
95
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
100
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: 10
Breed: Retriever (Labrador)
Group: Gundog
99
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
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Type:Dog
Cover:Lifetime Maximum Benefit
Age: 1
Breed: Retriever (Labrador)
Group: Gundog
60
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
90
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
99
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
90
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
60
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
100
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
100
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
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Type:Dog
Cover:Lifetime Maximum Benefit
Age: 6
Breed: Retriever (Labrador)
Group: Gundog
60
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
90
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
99
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
60
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
90
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
99
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
100
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
100
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
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Type:Dog
Cover:Lifetime Maximum Benefit
Age: 10
Breed: Retriever (Labrador)
Group: Gundog
60
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
90
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: 10
Breed: Retriever (Labrador)
Group: Gundog
60
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
90
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: 10
Breed: Retriever (Labrador)
Group: Gundog
100
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
99
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
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.
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.
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.
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