Labrador insurance
Discover the benefits of insuring your Labrador with Animal Friends!
Labradors are covered under our dog insurance policies. Feel proud about protecting your pet with Animal Friends as we donate millions to support animal welfare and conservation charities.
The Labrador (sometimes known as a ‘Lab’) is an intelligent, gentle, and fun-loving dog who can charm their way into anyone’s heart! Protecting your Labrador through a suitable insurance policy is just one of the ways you can help them stay happy and healthy…
Health conditions commonly seen in Labradors
Just like many other pedigree dog breeds, Labradors are known to be prone to certain health problems. Here are three common health conditions seen in Labradors, with the average vet fee costs according to our 2024 claims data…
- Lameness – with an average claim of £1,401.
- Toxic ingestion – with an average claim of £649.
- Osteoarthritis – with an average claim of £1,069.
Keeping in mind the health concerns commonly experienced by Labradors, it's worth making sure the insurance policy you choose offers the level of cover you might need.
Source: Based on average vet fee costs for conditions that were claimed for and assessed during 2024 for this breed. Average costs provided for illustration purposes only.
Don't forget! 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 all 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.
What to consider when insuring your Labrador
Along with thinking about potential health conditions, it’s worth considering some of the behavioural traits commonly seen in Labradors when searching for the right insurance policy. So, when choosing Labrador insurance, you could consider their:
- Potential to suffer separation anxiety.
- High levels of intelligence, requiring mental stimulation to prevent unwanted habits or destructive behaviour.
- Instinctive love of water, which could lead to them getting separated.
See our Labrador breed guide to find out more about typical breed behaviour.
Additionally, it’s important to be aware that Labradors have historically been one of the most popular breeds targeted by dog thieves.
At Animal Friends, our dog insurance policies include plenty of benefits, just in case you and your Labrador ever need them, including:
- Cover for behavioural therapies as part of our 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 Labrador to feel less anxious.
- FREE vet video calls, available 24/7, through the Joii Pet Care app – for unlimited advice on a wide array of queries, like providing suitable enrichment opportunities for your Lab.
- Help to reunite you with your Labrador if they go missing or get stolen, since our accident and illness policies can help towards the costs of advertising and paying a reward.
Insurance for Labradors 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 quick details about yourself and your dog, we'll give you quotes that suit you, 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
We have five types of dog insurance policies, including two options for Lifetime, each with different levels of cover for the cost of vet fees.
This aims to protect your dog if they have an accident. It doesn’t cover you for any illnesses or diseases they might have. If your dog has an accident, the policy offers £2,500 per year towards the cost of treating their injuries. The £2,500 limit applies to each accident your dog might have, and there’s no limit to the number of accidents you can claim for.
Each accident also has a lifetime limit of £15,000 – as long as you renew your policy. So, you can make claims over multiple years if your dog needs long-term treatment for their injuries – up to the £2,500 annual limit.
Time Limited products aim to protect your dog if they become ill or are injured in an accident. You can claim up to a set amount for vet fees for each condition your dog might have.
Each new condition is covered for 12 months – as long as you renew your policy. The 12 months starts from the date your dog first showed signs or symptoms of the condition. Once you reach your vet fee limit – or after 12 months, whichever comes first – we won’t cover that condition anymore, even after you renew.
The annual limit in your schedule is the most we’ll pay in total each year for all conditions.
Maximum Benefit policies aim to protect your dog if they become ill or are injured in an accident. You can claim up to a set amount for vet fees for each condition your dog might have. You can claim for as many conditions as you need to, as long as you stay within the vet fee limit for each condition. Once you reach the limit for a condition, you won't be able to make a claim for it again, even after you renew.
Lifetime Annual Limit
Lifetime Annual Limit policies aim to protect your dog if they become ill or are injured in an accident. This policy allows you to claim up to a set amount for vet fees each policy year. You can claim for as many conditions as you need to each policy year, as long as you stay within your vet fee limit. The limit resets when you renew, and we’ll cover your dog’s conditions for as long as you have a policy with us.
Lifetime Condition Limit
Lifetime Condition Limit policies aim to protect your dog if they become ill or are injured in an accident. This policy allows you to claim up to a set amount for vet fees per policy year for each condition your dog might have. You can claim for as many conditions as you need to each policy year. This limit resets when you renew, and we’ll cover your dog’s conditions for as long as you have a policy with us.
Pet insurance premiums increase as your pet gets older. We use a number of things to work out your price each year. These include the age of the pet, where you live and the cost of vet fees. Excesses apply to all our policies and a co-payment is currently payable on claims if you renew your policy after your dog turns 8 years old.
Why choose Animal Friends?
With over 25 years' dedicated experience, more than £9million donated to support animal welfare and conservation, and over 1 million UK pets protected, customers choose Animal Friends for:
- Knowing their policy has a bigger purpose! We help support vulnerable pets and wildlife worldwide.
- Affordable, multi-award winning cover.
- Easy to understand and clear policies.
- FREE online vet support 24/7 with the Joii Pet Care app for dog and cat customers.
- Effortless claims. Vets can claim on your behalf and we'll pay them directly.
- An online account to help manage your policy and claims on the go.
- Access to exclusive discounts and offers through our Treat Tin.