Best Labrador Retriever Pet Insurance of 2022

Lisa Scott

From a young age, Labrador Retrievers require frequent medical care to ensure they are healthy and happy dogs. As a pet owner, your dog may be your closest companion and you don’t want to take any risks when it comes to their health. By considering quality pet insurance coverage, you can minimize your financial burden and have quick access to medical care when needed. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Extensive coverage to help keep your pet healthy


Coverage Up To


Reimbursement Rates


Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit Paid Endorsement.

Short waiting periods on accidental coverage


Coverage Up To

70% - 100%

Reimbursement Rates


MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Affordable prices with a fast reimbursement process


Coverage Up To

70% - 90%

Reimbursement Rates


Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $24/m


Coverage Up To


Reimbursement Rates


Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is pet insurance worth it for a Labrador Retriever?

Labrador Retrievers make great pets because of their fun loving nature, social personality, and for being an overall easygoing breed. When caring for your Labrador Retriever, be sure they get plenty of exercise, while also feeding them the right kind of food so they receive a good amount of nutrition.

Beyond daily exercise and nutrition, you want to make sure your Labrador Retriever has access to the medical care it may need throughout its life. As a pure breed, Labrador Retrievers are susceptible to a number of health issues that may take a toll on their well-being in the long run. Being able to access the right medical care will help maintain their health and extent their life. This is why many pet owners invest in quality pet insurance.

If there is ever a case of a medical emergency, pet insurance can help you afford the medical treatments your dog needs and reduce your worry about the medical bills. Your dog’s health can always come first.

Common health conditions for a Labrador Retriever

Like most pure breeds, Labrador Retrievers are more likely to develop genetic issues than mixed breed dogs. They are susceptible to a range of health issues, including:

  • Hip dysplasia: it is common for many large dog breeds, including Labrador Retrievers, to face hip dysplasia. This occurs when the hip ball and socket do not grow properly or they become unevenly worn down. Overtime, this can cause a lot of pain and can require surgery to correct.
  • Osteochondritis dissecans: many Labrador Retrievers experience osteochondritis dissecans (OCD), which happens when a joint cartilage softens and separates from the bone. This typically occurs in growing dogs’ shoulders, elbows or knees. While reduced activity and medication may heal OCD, more serious cases require surgery.
  • Epilepsy: causes dogs to endure seizures, which can last anywhere from a few seconds to several minutes. If your dog experiences seizures, it will be diagnosed with epilepsy and given medication to prevent a future occurrence.

Many dog owners don’t anticipate their pet having health problems until later on in life. However, these medical issues often occur early on in a Labrador Retriever’s life – sometimes before they’re even two years old. This is why it’s important to prioritize pet insurance early on, before these issues develop further.

How are pet insurance premiums determined for a Labrador Retriever?

When it comes to pet insurance premium costs for Labrador Retrievers, insurance providers consider a number of factors such as:

  • Age: if your Labrador Retriever is older, you can expect to have a higher insurance premium. Older dogs are more likely to get sick or injured, and often require more medical treatment.
  • Gender: typically, male Labrador Retrievers are more likely to have higher insurance premiums than female Labradors. Male dogs are considered to be at higher risk for medical conditions than female dogs.
  • Plan details: Labrador Retrievers are more susceptible to serious health issues such as cancer and hip dysplasia. Adding preventive and routine care to your plan is a great way to keep tabs on these more serious issues, but will cost more on a monthly basis as well.

Additionally, pet insurance premiums will also be determined on your dog’s current health. If your Labrador Retriever has a more complex medical history, it is likely their monthly premiums will be higher to insure them.

What does pet insurance cover for a Labrador Retriever?

Pet insurance coverage will range depending on your specific plan. Most providers offer illness-only, injury-only, or a combination of illness and injury coverage. With combination plans, you can expect coverage for:

  • X-rays and surgery: if your dog requires an x-ray to diagnose an issue or potentially a surgical procedure, you can expect pet insurance to cover the cost.
  • Medication and alternative therapy: alternative therapy refers to physical therapy or acupuncture, which are generally covered by pet insurance plans.
  • Congenital and hereditary issues: treatment for genetic health problems such as hip dysplasia, are often covered by pet insurance.

Pet insurance plans will only cover health issues that develop after your pet has coverage. Most providers do not cover pre-existing conditions. Because many Labrador Retrievers experience genetic health issues in their life, it is important to get them pet insurance when they are a puppy.

How to choose the best pet insurance plan for a Labrador Retriever

Choosing the right pet insurance coverage is key to keeping your Labrador Retriever healthy and happy. Here are some things to keep in mind as you search for the right plan:

  • Pet’s age: this will factor into your monthly plan premium, as well as your dog’s coverage eligibility. Be sure to confirm your Labrador Retriever is covered by your provider’s plan based on how old they are.
  • Medical history: your dog’s unique medical history will determine whether they are eligible for coverage under a plan, and how much your monthly cost will be. Dogs that have certain pre-existing conditions may not be covered.
  • Plan details: many Labrador Retrievers experience similar health issues including hip dysplasia, OCD, and epilepsy. Be sure to confirm your insurance plan covers these treatments, should this concern arise in the future.
  • Compare and contrast plans: browse some of your potential plans and compare what they have to offer. Try to find a plan that covers everything you need while also securing the best financial deal.