Pet insurance for your Labrador.

Do you worry about expensive vet bills if your Labrador develops a sudden illness like elbow dysplasia?

Such problems can appear in a breed like the Labrador Retriever without warning, causing stress and a dent in your finances.

Fortunately, pet insurance can help cover the cost, so you can focus on protecting your beloved family pet.

At Waggel, we understand your concerns, and we’re here to offer a straightforward Labrador insurance solution.

Like many big dogs, your dog may develop hip or elbow challenges. Labradors may need surgery, physiotherapy, or long-term medication. With the right insurance policy, you can cover the cost before it becomes too overwhelming.

Average cost: Orthopaedic surgeries, such as hip or elbow dysplasia repair, can range from £1,500 to £7,000, depending on the severity and type of surgery. Physiotherapy sessions typically cost £40-£60 per session, and long-term medication can cost £30-£100 per month.

Labradors are friendly canines that love swimming, rolling around, and playing. In spring and autumn, they often lose more hair than other breeds and require more coat maintenance.

Keeping your Labrador’s fur clean and shiny can reduce skin conditions and the chance of your pet picking up parasites.

Average cost: Treating skin conditions like dermatitis or allergies can cost £200-£500 for initial diagnostics and treatment. Ongoing care, including medicated shampoos or parasite prevention, can cost £10-£50 per month.

If you want to figure out how they compare to Goldens, take a look at our Golden Retriever vs Labrador Retriever blog post.

Progressive retinal atrophy can affect a Labrador’s long-term health if not treated early. Routine eye checks can detect any issues, and insurance is a great way to handle any diagnostics.

Average cost: Routine eye exams cost around £50-£100. Treatment for progressive retinal atrophy or other eye conditions, such as cataract surgery, can cost between £2,000 and £4,000.

Note: Costs are approximate and can vary based on location and specific veterinary practices.

When you consider that insuring a Labrador costs about £26 per month in the UK (as of March 2025), it's clear that pet insurance can be a smart move.

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

Because Labradors are high-energy dogs, they’re prone to joint wear and tear, especially if they’re overweight,

Dogs may also develop eye problems or skin allergies, so it’s helpful to choose an insurance policy that will still pay out as long as you renew each year.

Many Labs thrive on their eagerness to please but may get into mischief if alone for long periods.

Consider your routine and chat with your vet or a reputable breeder about potential health tests.

For more suggestions on Labrador care, check out “Do Labradors Get Along Well with Cats?" for tips on multi-pet households.

Ready to get a quote? Waggel makes it easy to pick the right level of insurance to keep your Labrador healthy and happy.

Give your Labrador the best care possible by exploring our Lifetime pet insurance policies today.