2024 Best Pet Insurance for Labrador Retriever

Last updated Feb 10, 2022

Are you a dog/cat owner or considering adopting? You've come to the right place! Check everything you need to know about Labrador Retriever below to see if they're the great fit. We'll cover breed characteristics, personality, common health issues, care and sanitary information and pet insurance cost. While pet insurance usually doesn’t cover pre-existing conditions such as hip dysplasia, elbow dysplasia, and entropion, it helps cover the vet’s bills in case your pet gets sick or injured. The average pet insurance premium for dog is around $218.13 per year for accident only and $594.15 per year for accident and illness.

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The Labrador Retriever is the most popular dog breed in the United States. Labrador retrievers are cheerful, gregarious, and high-spirited companions with plenty of love to give to a family searching for a medium-to-large dog.

The Labrador Retriever is a gun dog that is employed to retrieve game. He is also frequently employed as a service dog. He's a popular family dog who's usually fine with kids, though his attitude varies depending on how well he was socialized as a puppy. He'll enjoy jumping into streams and rivers because he's a water dog with a weather-resistant coat. He need plenty of opportunities for long walks and off-leash exercise as a huge country dog. He sheds his fur and will require grooming on a regular basis.

Common Health Problems/Possible Pre-Existing Condition

Health Problem Risk Medical Cost
Hip dysplasia $1,500-$3,000
Elbow dysplasia $1,500-$4,000
Entropion $300-$1,500

Average Size and Life Expectancy


Average Pet Insurance Cost and Why Your Labrador Retriever Need it?

The majority of our Labrador Retriever pet parents spend between $39 and $86 per month for comprehensive accident and illness coverage.

Depending on where you reside, the age of your dog, and the policy settings you select, pet insurance may cost more or less. Labrador Retriever policies can be more costly than mixed breed policies since Labrador Retriever are considerably more likely than mixed breed dogs to file claims for inherited diseases that are expensive to treat.

According to the 2021-2022 APPA National Pet Owners Survey, the annual expenses of surgical vet visits for dogs is $458 on average and the average annual expenses of routine vet visits for dogs is $242. But if a pet becomes ill or has an accident, those expenses can increase drastically.

Every year, 1 out of every 3 pets will require emergency treatment. According to Petplan, the typical cost of unexpected veterinary care for pets ranges from $800 to $1,500 while around 61 percent of Americans do not even have enough money set up to meet a $1,000 emergency. You’ll always need a pet insurance to save your life because unanticipated crises and operations are the most unaffordable burden. Pet insurance won’t cover all the spending at the vet, but it can help you from going bankrupt in just a snap.

After you pay a deductible, which can vary from $0 to $1,000 or more depending on your plan, an insurance policy normally pays 70% to 90% of your costs.

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Care & Sanitary

To keep your Labrador Retrievers healthy, it’s important to take good care of their sanitary condition.

The Lab has a double coat that sheds and is thick and water repellent. Shower them on a regular basis to maintain them clean. The Lab's nails should be clipped on a frequent basis, and his teeth should be brushed routinely, as with all breeds.

Other Tips to Save Money on Pet Insurance

  • Higher deductible
    Consider having higher deductible plan if you only make one or two claim annually. The higher your deductible, the cheaper your monthly premium will be. But if your pet needs to visit the vet on a regular basis, a high deductible could harm your pocket badly.
  • Lower reimbursement plan
    Limit the amount you get from insurer if you file a claim. Just like the higher deductible, it could decrease your monthly rates but also risky if your pet get seriously ill often.
  • Pay annually
    Some insurer are willing to provide discount if you agree to an annual payment.
  • Insure them in an early age
    The younger your pet, the lower the insurance rates will be. Young pets usually have fewer pre-existing conditions. Oftentimes, accidents can happen sooner than you think. Keep in mind that the insurers normally have an age limit(from 7 to 14 years old, depending on companies) that they will not accept your pet.
  • Shop around
    Always look for better deals. You may compare pet insurance quotes through comparison websites, just like you can with other insurance, but you should also do your own research.


Find the best and cheapest pet insurance

Compare the top insurance brands at once for free