Cocker spaniel looking for insurance

Cocker Spaniel insurance with our dog policies

Discover the benefits of insuring your Cocker Spaniel with Animal Friends dog insurance.

  • Award-winning insurance for your Cocker Spaniel
  • Cover vet fees from £1,000 up to £18,000
  • Different cover options for accidents and illnesses
  • Free vet video consultations 24/7

The Cocker Spaniel is a fun-loving and friendly dog who seems to have an endless supply of energy! Insuring your Cocker Spaniel is just one of the ways you can help them stay protected and healthy.

Health issues commonly seen in Cocker Spaniels

Just like many other pedigree dog breeds, Cocker Spaniels are known to be prone to certain health problems. Based on our 2025 claims data, some of the conditions we commonly see in this breed include:

  • Osteoarthritis - with an average claim of £911
  • Lameness – with an average claim of £1,393
  • Tumour – with an average claim of £1,179

Please remember that while certain health concerns are more frequently seen in the Cocker Spaniel breed, every dog is a unique individual - so your canine companion isn’t necessarily going to experience any of the conditions listed here. Still, understanding some of the health issues Cocker Spaniels can be prone to may help you choose the level of cover that feels right for your dog.

Source: Based on average vet fee costs for conditions that were claimed for and assessed during 2025 for this breed. Average costs provided for illustration purposes only.

More about Cocker Spaniel health problems

Explore the drop-down menu to learn more about the health conditions associated with Cocker Spaniels and what to expect in terms of symptoms, diagnosis, and vet care.

Cocker Spaniels are well known for their beautiful long ears, but this ear shape can unfortunately make them more prone to infections. Their floppy, well-feathered ears can trap warmth, moisture, and wax, which creates an environment where bacteria or yeast can thrive. Allergies, excess hair, or grass seeds can also contribute to ear problems.

Signs of an ear infection may include head shaking, scratching, redness, swelling, discharge, a strong smell, or sensitivity when the ear is touched. Some dogs may also tilt their head or seem off balance.

Vets usually diagnose an ear infection by examining the ear and, if needed, testing a sample of debris. Treatment often focuses on managing the underlying cause and may include gentle ear cleaning or medicated drops to help soothe irritation and reduce inflammation.

Our claims data shows the average cost of Otitis (ear infection) claim for Cocker Spaniels was £746 in 2025.

Regular at-home checks and keeping ears clean and dry can help support ear health between vet visits.

Cocker Spaniels can be more prone to several eye conditions. These can include inherited or age-related issues such as cataracts, where the lens becomes cloudy over time, and keratoconjunctivitis sicca (dry eye), which affects normal tear production and may lead to irritation, mucky discharge, or recurrent conjunctivitis.

Glaucoma can also occur when pressure builds inside the eye due to problems with fluid drainage. Signs may include redness, cloudiness, squinting, or rubbing at the face, and it can affect vision if not treated promptly.

Some Cocker Spaniels may also experience inherited eye changes such as progressive retinal atrophy (PRA), which can cause gradual vision loss. Because several eye problems can affect this breed, your vet may recommend regular eye examinations to help spot changes early.

Our claims data shows the average cost of an eye condition claim for Cocker Spaniels was £855 in 2025.

 

English Cocker Spaniels may be more likely than some other breeds to experience musculoskeletal discomfort. This reflects a wide range of conditions that can affect your dog’s mobility.

You might notice your Cocker Spaniel seeming stiffer than usual, slowing down on walks, hesitating when jumping, or showing subtle changes in their balance or stride. These signs can have many causes - some mild, some more complex - so it’s always worth speaking to your vet if anything feels unusual for your dog.

Gentle support at home, such as maintaining a healthy weight, providing soft bedding, or adapting exercise routines, may help some dogs feel more comfortable alongside any care your vet recommends.

Symptoms of neurological issues can vary but may include wobbliness, changes in balance, dragging of the paws, or unusual behaviour. If you notice anything unexpected in how your Cocker Spaniel walks or interacts with their environment, it’s important to speak to your vet so they can investigate further. 

Our claims data shows the average cost of an musculoskeletal pain claim for Cocker Spaniels was £984 in 2025.

As dogs get older, they may be more likely to develop lumps or bumps, and tumours can vary widely in how they behave. Some are benign (non-cancerous), while others can be more serious. Because Cocker Spaniels can be prone to certain growths as they age, it’s important to keep an eye on any changes in your dog’s skin or body shape.

If you notice a new lump, or if an existing one changes in size or appearance, it’s always best to ask your vet to check it. Early assessment can help your vet decide whether monitoring, testing, or treatment is needed.

Read our guide to cancer in dogs for more information.

Hip dysplasia is a developmental condition that affects how the hip joints form, making one or both hips unstable. Although some Cocker Spaniels can be affected, this condition appears less common in the breed compared with some others. It can cause pain, stiffness, or lameness, and may lead to arthritis as dogs age. 

If your Cocker Spaniel has joint dysplasia, they may seem reluctant to jump or exercise as enthusiastically as usual. Your vet may discuss options to help support their comfort, such as weight management or medication to reduce inflammation.

Our claims data shows the average cost of a hip dysplasia claim for Cocker Spaniels was £1,444 in 2025.

Periodontal disease is one of the most common health issues seen in Cocker Spaniels. It occurs when plaque and bacteria build up around the teeth, leading to inflammation of the gums and the tissues that support the teeth. Over time, this can cause bad breath, discomfort, and, in more advanced cases, loose or missing teeth.

Because early signs can be easy to miss, you might first notice subtle changes such as a reluctance to chew hard food or toys, a smelly breath, or redness along the gumline. A vet can diagnose periodontal disease during a dental examination and may suggest professional cleaning under anaesthetic to help protect your dog’s oral health.

Regular tooth brushing at home is one of the most effective ways to help reduce plaque build-up, alongside routine dental check-ups. Keeping on top of dental care can make a big difference to your Cocker Spaniel’s comfort and wellbeing as they get older.

Read our guide to dental problems in dogs for more information about how to prevent and manage this condition.

What to consider when insuring your Cocker Spaniel

Along with thinking about potential health conditions, it’s worth considering some of the behavioural traits commonly seen in Cocker Spaniels when searching for the right insurance policy. So, when choosing Cocker Spaniel insurance, you could consider their:

  • Tendency to bark when over-excited, bored, or asking for food.
  • Potential to suffer separation anxiety.
  • Intense curiosity, which could lead them to wandering off

See our Cocker Spaniel breed guide to find out more about typical breed behaviour.

At Animal Friends, our dog insurance policies include plenty of benefits, just in case you and your Cocker Spaniel ever need them, including:

  • FREE vet video calls, available 24/7, through the Joii Pet Care app – for unlimited advice on a wide array of pet care queries, like how to manage barking.
  • Cover for behavioural therapies as part of our Lifetime Prestige, Lifetime £10,000, and Lifetime £18,000 policies. Cover includes treatment carried out by a qualified specialist for a behavioural condition diagnosed by a vet, as well as products and medication to support your Cocker Spaniel to feel less anxious.
  • Help to reunite you with your Cocker Spaniel if they ever go missing, since our policies can help towards the costs of advertising and paying a reward (excluding accident only).

Insurance for Cocker Spaniels made simple

Our step-by-step online quote process can help you find the level of cover you need for your four-legged best friend. With a few details about yourself and your dog, we'll give you quotes based on your dog and your budget.

Explore more about our range and types of cover, and how our multi-award winning polices work, below:

Dog insurance policies

Here at Animal Friends, our policies offer a range of cover options to choose from, including:

  • Lifetime Annual Limit up to £18,000 vet fees cover per year for accidents or illnesses.
  • Lifetime Condition Limit up to £6,000 vet fees cover for each accident or illness per year.
  • Max Benefit up to £4,000 vet fees cover for each accident or illness.
  • Time Limited up to £4,000 vet fees cover for each accident or illness for up to 12 months.
  • Accident Only up to £2,500 vet fees cover for each accident per year.

Most policies include cover for dental accidents and other helpful treatments such as physiotherapy. See below for more details of each policy type.

 

Lifetime insurance offers ongoing vet fee cover for accidents and illnesses and can protect your dog for life, as long as you renew. 

There are two types of cover available: 

Lifetime Annual Limit 

  • You can choose cover from £1,000 to £18,000 each year for vet fees.
  • You can claim for as many conditions as you need to, as long as you stay within your chosen annual vet fee limit.
  • The limit resets every year when you renew.
  • Your dog’s conditions will be covered for life, as long as you renew your policy.
  • Dental accident & dental illness cover up to £3,000 with our Lifetime £10,000 and Lifetime £18,000 policies
  • Dental accident & dental illness cover up to £1,000 with our Lifetime £4,000 and Lifetime £5,000 policies.
  • Dental accident cover up to £750 with our Lifetime £2,000 and Lifetime £3,000 policies.
  • Complementary therapy from £500 to £3,000, depending on your chosen policy. 

Lifetime Condition Limit 

  • You can choose cover of £1,000, £2,000, £4,000 or £6,000 each year for vet fees.
  • You can claim up to your chosen amount for vet fees per policy year for each condition your dog might have.
  • The limit resets every year when you renew.
  • Your dog’s conditions are covered for life, as long as you renew your policy.
  • Dental accident cover up to £750 with our Superior policy.
  • Dental accident & dental illness cover up to £1,000 with our Superior Plus and Prestige policies.   
  • Complementary therapy from £500 to £1,000, depending on your chosen policy. 

Policy terms and conditions apply. 

See Lifetime details

With Max Benefit pet insurance, you have a fixed amount of cover for each accident or illness you may need to claim for. You can keep claiming until the fix amount of cover has been reached.

  • You can choose a fixed amount of vet fee cover for each accident or illness you may need to claim for.
  • You can keep claiming until the fixed amount of cover for the accident or illness is reached.
  • There’s no time limit for how long you can claim for each accident or illness. After the vet fee limit is reached, we won't cover the accident or illness again.
  • Dental accident cover up to £750 with a Max Plus policy.
  • Dental accident & dental illness cover up to £1,000 with a Max Extra policy.
  • Complementary therapy between £500 and £1,000, depending on your policy. 

  Policy terms and conditions apply. 

See Max Benefit details

Time Limited dog insurance provides cover for accidents and illnesses for up to 12 months. 

  • Each new condition is covered for up to 12 months, or until your vet fee limit has been reached, whichever happens first (as long as you renew your policy).
  • The 12 months start from the date your dog first showed signs of the condition.
  • If your vet agreed that you could monitor the condition without treatment, the 12 months starts from the date your vet recommended you start treatment for your pet’s condition.
  • After 12 months, or when the vet fee limit is reached, we won’t cover the accident or illness again.
  • Time Limited policies also have an annual limit - this is the most we'll pay each year for all conditions you may need to claim for.
  • Dental accident cover up to £750 with a Prime policy.
  • Dental accident & dental illness cover up to £1,000 with a Prime Plus policy.
  • Complementary therapy between £500 and £1,000, depending on your specific policy. 

Policy terms and conditions apply. 

See Time Limited details

With our Accident Only dog insurance, you’re covered up to £2,500 per year for each accident your dog may have. 

  • There’s no limit to how many accidents you can claim for each year.
  • For each accident, we’ll cover treatment costs for as long as your dog needs care (as long as you renew your policy each year), up to a lifetime limit of £15,000.
  • This cover is only for accidents. It doesn’t cover illnesses or diseases.
  • Dental accident cover up to £500.
  • Complementary therapy up to £500 for each accident. 

Policy terms and conditions apply. 

See Accident Only details

Why choose Animal Friends?

Much more than just vet fees cover

Our dog insurance plans cover complementary treatments when recommended by a vet, including physio. Many of our plans include extra benefits, such as cover if your dog is stolen or goes missing, causes damage or injury to others, and dental cover. 

Dog insurance policies with purpose

Feel proud about protecting your pet with Animal Friends as we donate millions to support animal welfare and conservation charities. The charitable work undertaken by Animal Friends Insurance is not regulated by the Financial Conduct Authority.' to cover reference to our charities.

Treats for you, and your dog

Get instant access to exclusive partner discounts and offers through the Animal Friends Treat Tin, allowing your to treat your canine companion and yourself too.

Award-winning insurance you can trust

Animal Friends is proud to be Defaqto’s Pet Insurer of the Year 2024/25, recognised for affordable and reliable dog insurance that you can trust. 

Multi-award winning pet insurance

  • Defaqto Pet Insurer of the Year 2024/25
  • Moneyfacts 5 Star Ratings - Pet Insurance 2025
  • The Personal Finance Awards 2024/25 - Best Pet Insurance
  • Forbes Advisor - Best of 2025 - Pet Insurance
  • Finder Pet Insurance Customer Satisfaction Awards 2022