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Labrador Retriever Overview

Woman giving cute labrador retriever puppy a chew bone

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Did You Know?

According to the American Kennel Club, Labrador Retrievers are the #1 breed in America, and it's not even close. In fact, in a given year, Labrador Retriever registrations with the AKC are 2.5x higher than the #2 breed, Yorkshire Terriers.

Labrodor Retriever Health


These are some of the most common and expensive issues for Labrador Retrievers. Treatment costs associated with each health condition are estimates based on reported expenses throughout the country.

Labs are popular because of the gentle demeanor and intelligence. Labradors are a very athletic and relatively healthy breed with an average lifespan between 10-12 years.

If you're the lucky owner of a Labrador then it's a good idea to get pet insurance to protect him or her from unknown, future health issues.

Condition Treatment Cost
Hip Dysplasia $4,000 to $6,000
Elbow Dysplasia $3,000 to $5,000
Luxating Patella $1,500 to $3,000
Cancer $3,000 to $20,000
Epilepsy $200 to $15,000
Stomach Bloat $1,500 to $7,500
Heart Disease $5,000 to $20,000
Progressive Retinal Atrophy $2,000 to $3,000
Cataracts $2,000 to $3,000
Masticatory Muscle Myositis $50 to $100 per month
Corneal Dystrophy $2,000 to $3,000
Retinal Atrophy $2,000 to $3,000
Panosteitis Varies
Interdigital Cysts $200 to $1,000
Osteochondrodysplasia $1,200 to $1,500



Top Pet Insurance for Labradors


As you can see veterinary treatment can be very expensive if your Labrador retriever gets sick or injured. Here is a list of the most popular pet insurance companies for Labradors based on coverage that matches their unique needs.

Best Pet Insurance for Labradors


Bonus Video: Does your Labrador love you?

Key Coverage to Consider

All of the top 5 best pet insurance companies cover major medical issues like accidents and illnesses. This chart provides a more detailed breakdown.

Coverage Standard
Emergency Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Prescription Meds
Routine Care O
Pre-Existing Conditions X

✓ = Included O = Optional X = Excluded

Note: Unfortunately, dog insurance does not cover pre-existing conditions, so it's important to enroll while your pet is healthy and young.

Labrador Pet Insurance Reviews

"Personally, it feels like every company in America has completely given up on customer service. Restaurants, hotels, car dealers, insurance agents, cable TV, it's all just so awful. So when my husband Derrick and I adopted Smoke we were very sensitive about which pet insurance company to choose."

Sarah & Derrick - Austin Texas

Smoke's full story

"We bought insurance for Magruff in 2010 after our friends urged us to consider it, and thank goodness they did! Gruffers unexpectedly needed hip replacement surgery that ended up costing $5,200. We're both medical sales reps but we had no idea how sophisticated veterinary care was. We also had no idea how expensive treatment could be. We opted for Embrace's economy package because we just wanted coverage in case anything major happened. We opted not to have wellness coverage and some of the other additions like meds, etc."

Lou & Kim - Denver, Colorado

Magruff's full story

"We bought Chris from a breeder earlier this year. Our last dog, Skip, had stomach cancer and we ended up spending over $12,000 on various surgeries and treatments. Looking back we would not have spent that much money on Skip's cancer treatment because we dug ourselves a financial hole and Skip's quality of life wasn't worth the investment. It started out with a $1,800 medication and over 12 months it was a consistent bleeding of money until we finally decided it was Skip's time. That was obviously a traumatic experience for us and when we got Chris we knew that pet insurance was a great investment."

Kelley & Rich - Washington, DC

Chris' full story

"A friend sent me a Facebook message about so I decided to check it out. I'm sure like most pet owners I was aware of pet insurance but completely uneducated. I've seen the brochures in my vet's office but never really considered it. If you've never had a major issues with your pet it can seem ridiculous, however my friend Paula, who sent me the link, has spent over $10,000 on her cocker spaniel."

Mitchell & Dana - New York, New York

Harris' full story

Source: Pet Insurance Reviews

How Much Does Pet Insurance Cost?

The short answer is that it depends. Pet insurance companies generate prices based on your pets breed, age and zip code. Here are some sample prices across the country to give you an idea of what a plan might cost you.

Location Price
Sacramento, CA $41/mo.
New York, NY $48/mo.
Houston, TX $44/mo.

Source: Pet Insurance Cost

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