Pet insurance for your Cocker Spaniel.

  • Comprehensive Lifetime Cocker Spaniel insurance up to £15,000

  • Unlimited free video vet calls

  • Dental included as standard

Red Cocker Spaniel licking owners face

Insuring your Cocker Spaniel.

Are you worried about facing large vet bills if your spirited Cocker Spaniel falls ill or needs surgery?

Many pet owners share the same concern, especially because Cocker Spaniels are prone to ear infections, hip issues, and eye problems.

Fortunately, the right Cocker Spaniel insurance can help you cover the cost of these medical events, so you can focus on giving your furry family member the best pet insurance protection without breaking the bank.

Golden Cocker Spaniel sitting outside with tongue out

Why Cocker Spaniel pet insurance matters.

A Cocker Spaniel is a charming, eager to please breed that’s typically easy to train. However, Cocker Spaniels are known for health challenges.

Ear infections, for instance, can cost around £250–£500 to treat if they become severe. Eye issues may run up to £600–£1,000, and surgery for hip dysplasia can range from £1,500–£5,000 or more, depending on complexity.

These vet costs highlight why a comprehensive Cocker Spaniel pet insurance policy is crucial.

By offsetting these bills, you can ensure your dog’s health without constantly worrying about soaring expenses.

If you’re new to the Cocker Spaniel breed, you might find it helpful to compare them to others.

Read about working Cocker Spaniels to discover how a “working Cocker” differs from a show line.

You can also explore if the Cocker Spaniel is the right fit for your household by reviewing the Cocker Spaniel temperament guide.

Common Cocker Spaniel health concerns.

Condition

Average cost (UK)

Condition explanation

Ear infections

£100–£300 per episode

Cocker Spaniels’ long, floppy ears can trap moisture, making them prone to recurring ear infections. Regular cleaning is essential to prevent flare-ups. Check out our tips on how to clean Cocker Spaniel ears.

Eye problems

Up to £1,000+

Cockers are prone to cataracts and entropion, which can require surgery or long-term treatment. Learn how to care for them while dealing with Cocker Spaniel eye problems.

Hip dysplasia

£1,500–£7,000

A joint condition that can lead to lameness or arthritis. Surgery and long-term care are often needed. Early detection is key—look out for stiffness or limping.

Skin allergies

£200–£600+ annually

Some Cocker Spaniels have sensitive skin that may react to food, grooming products, or the environment. Good grooming helps manage symptoms. See how to groom a Cocker Spaniel.

Follow essential Cocker Spaniel training tips to keep your pup’s mind and body active, too.

Golden Cocker Spaniel sitting on a path in between grass

Factors that affect pet insurance costs.

Dog’s age: An adult cocker can see higher insurance costs due to increased risk of illness.

Policy limits: Some pet insurance policies offer high amounts of cover per year, up to £15,000 on average. You will not find unlimited annual coverage, but with lifetime policies, the cap resets every year as long as you renew.

Your location: Where you live still has an effect on the price you pay for insurance.

Breed specifics: Cocker spaniels have known issues like ear infections, so premiums might be slightly higher.

For more insights into daily care, read "How Much Should a Cocker Spaniel Eat?" to make sure you feed your Cocker Spaniel the right portions.

Tailoring an insurance plan for your Cocker.

A sensible pet insurance plan should help cover the cost of surgeries, diagnostic tests, and possible chronic treatments, providing you don't have any pre-existing conditions. A few points to consider:

Check hereditary coverage: Since this breed can have genetic disorders, ensure they’re covered by your policy.

Look at reimbursement rates: Some pet insurance providers reimburse a fixed percentage of vet bills or the whole bill, while others follow a copayment or excess payment .

Discuss pre-existing conditions: If your Cocker Spaniel already has health issues and previous vet visits confirm how your chosen company handles them before choosing to insure.

If you want practical tips for daily social interactions, see "Can Cocker Spaniels and Cats Be Friends?". Plus, if you’re new to adopting a puppy, check "Do Cocker Spaniels Bite?" to learn about typical teething phases.

Getting the most from your insurance.

Compare pet insurance quotes: Gather multiple offers from pet insurance companies to see the best insurance rates.

Look for multi-pet discounts: If you have more than one furry friend, some pet insurers offer savings on each policy.

Routine checkups: Regular vet visits can catch ear or eye issues early, potentially lowering bigger claim costs down the line. This is especially true for dental cover so a regular dental check noted on your pets health records is essential.

Different types of pet insurance.

Insurance type

Coverage details

Ideal for Cocker Spaniels?

Lifetime (e.g. unlimited annual coverage)

Covers common health issues each year, resets upon renewal.

Great if your cocker has recurring conditions

Time-limited

Only covers a condition for a set period (12 months).

Might help with short-term issues but can expire quickly

Maximum benefit

Pays out until a set financial limit is reached.

Good for one-off procedures but risk hitting limit early

Accident-only

Covers accidental injuries only (no illness).

Often more affordable but less comprehensive for cocker needs

Waggel’s Cocker Spaniel breed guide.

Still exploring if a Cocker Spaniel is the perfect choice? Check out the comprehensive Cocker Spaniel breed guide for tips on training, grooming, and day-to-day care.

This resource covers everything from the history of the breed to further pet insurance coverage insights—helping you become a confident dog owner.

For example, grooming sessions with a professional groomer can keep your cocker’s coat healthy.

Or consider our best food for a Cocker Spaniel guide if you want to feed your dog top-quality nutrition.

That kind of routine care can reduce future insurance costs by preventing major issues from spiralling.

Black and White Cocker Spaniel with owners hand on them

Insure with Waggel.

Why choose Waggel for your Cocker Spaniel's insurance?

Waggel offers Lifetime pet insurance policies tailored to meet the unique needs of Cocker Spaniels. Here's why Waggel stands out:

Comprehensive coverage: Waggel's policies cover vet bills for accidents, injuries, and illnesses, up to your chosen annual limit. This includes £1,000 for dental treatments, ensuring that common Cocker Spaniel health issues like dental problems are addressed. ​

Flexible policy options: Adjust your annual limit and excess to suit your coverage and budgetary needs, providing a personalised insurance experience. ​

Additional support: Members gain access to free online vet video calls, behaviour and nutrition consultations, and a host of rewards and discounts from independent pet brands, ensuring holistic care for your Cocker Spaniel. ​

Understanding the cost of pet insurance.

The cost of pet insurance varies based on factors such as your dog's age, breed, and the type of coverage selected.

On average, Cocker Spaniel owners in the UK pay about £21 per month*.

Waggel's flexible policies allow you to choose coverage that aligns with your financial considerations while ensuring your Cocker Spaniel's health needs are met.

*Average pricing as of March 2025, please check policy terms and conditions for and exclusions or issues with pre existing conditions.

Golden Cocker Spaniel sitting in field of bluebells

Cocker Spaniel insurance that lasts a lifetime.

Flexible limits and Excess

Adjustable Annual Limit and Excess to suit your coverage and budgetary needs. It's just one of our many unique features and helps you to take control of your pet's policy.

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Complete coverage

We'll cover your vet fees up to the limits selected. This includes consultation fees, diagnostics, procedures, surgery and medication.

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Dental included

We cover treatment costs associated with dental-related accidents and illnesses up to £1,000.

Invest in your Cocker Spaniel's health today.

Securing a comprehensive pet insurance policy with Waggel not only safeguards your Cocker Spaniel's health but also provides peace of mind.

With coverage that includes veterinary fees, dental treatments, and access to additional support services, you can focus on enjoying life with your furry friend without worrying about unexpected medical expenses.​

To explore coverage options tailored to your Cocker Spaniel's needs, get a free quote today at Waggel.​