7 Best Labrador Retriever Pet Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

At first glance, the process of acquiring pet insurance may seem rather complicated. It is easy to become discouraged between the confusing policy language, pricing, and varying coverages. As a lifetime dog owner and licensed insurance agent, I know exactly how you feel. Therefore, I have written this article to help you navigate this process and make the best decision for you and your furry friend. Regardless of your Labrador Retriever’s age or current health, this article will tell you everything you need to know about dog insurance!  Read more about our unbiased ranking methodology and advertiser disclosure.

Top Labrador Retriever Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Labrador Retriever pet insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR LABRADOR RETRIEVER

$35.25/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Labrador Retriever Pet insurance policy at the most affordable rates
  • Their user experience is world class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
pumpkin logo
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR LABRADOR RETRIEVER

$73.78/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR LABRADOR RETRIEVER

$57.98/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR LABRADOR RETRIEVER

$58.52/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR LABRADOR RETRIEVER

$59.68/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Labrador Retriever Pet vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR LABRADOR RETRIEVER

$62.58/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a community based subscription service supported by its members
4.1
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR LABRADOR RETRIEVER

$137.65/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR LABRADOR RETRIEVER

$35.25/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Labrador Retriever Pet insurance policy at the most affordable rates
  • Their user experience is world class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

Labrador Retriever Insurance FAQs

What is dog insurance, and why is it beneficial for Labrador Retrievers?

Dog insurance is health care coverage for our canine companions on a fundamental level. Whenever your dog has to go to the vet, dog insurance can help pay for it. In truth, an uninsured pet owner can spend thousands of dollars on treatments and operations to save the life of their loyal canine companion. For this reason, we recommend that all dog owners strongly consider purchasing dog insurance.

When it comes to Labrador Retrievers, dog insurance is especially important. This particular breed is prone to ear infections, joint and gastrointestinal problems, and even nervous system complications. By purchasing dog insurance early on, you can rest assured that your pup will always have the treatment it needs immediately and at much more affordable costs.

How do I sign up for dog insurance?

The process of signing up for pet insurance is relatively straightforward. First, you will need to perform independent research and compare different providers and policies. Your goal is to identify known health issues for the breed, in this case, Labrador Retrievers, and then choose the insurance provider that best meets your needs.

Next, you will contact the insurance company and ask any remaining questions. If you decide it is a good fit, all that remains is to sign an agreement with them and begin making your monthly premium payments! Keep in mind that you must stay up-to-date on premium payments to prevent your policy from lapsing!

How old does my puppy need to be to get insured?

Generally, insurance providers will require that your Labrador Retriever is at least eight weeks of age before it becomes eligible for puppy insurance. However, most companies do not have an age limit in place for dog insurance. Therefore, we recommend obtaining dog insurance before your canine reaches its first birthday.

One exception to the rule is Pawp, who protects up to 6 pets, regardless of age, on one “Emergency Fund” for a flat fee of $24/ month. However, Pawp only covers veterinary emergencies. For this reason, these coverages must first be approved by their virtual vet team. Also, their plan only covers one pet for one vet bill per year and only up to $3,000.

What are some of the most common dog insurance claims for Labrador Retrievers?

1. Chronic Ear Infection

Like other floppy-eared breeds, Labrador Retrievers are prone to chronic ear infections. It is best for this breed of dog to clean their ears regularly. If you are unsure about how to do this, we advise asking your veterinarian to demonstrate. Many vets will also perform this service for you periodically and offer medication to help treat the infection.

2. Bloat

Bloat, or “gas,” is a prevalent health issue in Labrador Retrievers. Essentially, the stomach gradually twists and begins to trap food and gases within, which causes rapid swelling of the abdomen. Untreated, bloat can lead to severe pain and even death.

3. Hip Dysplasia

“Dysplasia” refers to a gradual misalignment of the joints that occur either through genetics, day-to-day activities, or both. Labrador Retrievers are especially prone to this condition due to genetics. Over time, hip dysplasia makes even the most common joint movements painful for canines, which worsens with age.

4. Osteoarthritis

Labrador Retrievers are very likely to develop osteoarthritis at some point in their lives. On a basic level, this is the breaking down of the cartilage around the joints, which can cause increased stiffness and pain as it progresses.

What is covered, and what’s excluded with dog insurance?

Most providers offer coverage for any vet treatments regarding injuries or ailments considered “sudden and catastrophic.” A few examples of this are infections, broken bones, or accidental ingestion of a toy or poison. In addition, some insurance companies offer “wellness packages,” which are, as the name suggests, intended to help maintain the overall health of your pet. Things that may fall into this category are routine exams, heartworm prevention medication, vaccinations, and more.

Things that will not be covered by insurance include anything listed as exemptions in their policy, as well as pre-existing conditions. For example, if your pup has been diagnosed with something prior to your insurance start date, it will not be covered for ongoing treatment.

How does reimbursement work?

Let’s say you have dog insurance with a 90% reimbursement amount, a $250 deductible, and a $20,000 annual max benefit. Your dog is hit by a car, and you rush it to the vet. The veterinarian informs you that your pup requires a $10,000 emergency vet surgery. Your insurance company reimburses you $9,000 minus your $250 deductible in this scenario. This means that you pay only $1,250 out of pocket instead of $10,000. As you see, insurance may cost a little money over time, but it can save you a lot of money in these unfortunate circumstances.

One company that offers an exception to this rule is Trupanion who offers payment directly to veterinarians in their network. This way, you won’t have to pay out of pocket.

Is it better to have a lower deductible – what’s the sweet spot?

As you may already know, a lower deductible generally results in a higher monthly payment. However, you will pay much less out of pocket during an emergency vet visit in exchange for this increased premium. There is no real “sweet spot,” as it depends entirely on you. We advise personally assessing your finances and deciding what is best for you and your pup. Many providers offer an easy-to-use calculator to compare different deductibles when getting a quote. In our experience, most people choose a $250 or $500 deductible.

5 Useful Strategies for Keeping Your Labrador Retriever Safe & Healthy

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Labrador Retrievers are beloved family dogs who are well-known for their gentle and yet playful nature. It is not uncommon for families with kids to spend entire days having fun in the sun with their Labs. However, we advise that you remain mindful of the temperature and make sure you are not allowing your dog to overheat. Your pup must get time in cool, well-shaded areas between bouts of play on hot summer days. If you notice a change in behavior or excessive panting, take your dog to see a veterinarian immediately, as these are early signs of heat-related illness.

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Adequate water intake is essential for your Labrador Retriever to maintain good health. We recommend never letting your dog’s water bowl go empty. Adequate hydration not only provides good immune support for your pup but also plays a significant role in helping it to stay cool.

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One tip that is often overlooked is making sure to take your canine to regular vet appointments. Many people make the mistake of assuming nothing is wrong with their dog, so a vet visit is a waste of time. However, unlike us, veterinarians can identify health issues very early on and begin treatment immediately. Not only will this save you money, but it may also save your furry friend’s life.

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As family dogs, Labrador Retrievers tend to spend a lot of time in the home. They are great with kids and easy to train, so most people don’t have any issue letting them have free reign of the house. However, with that in mind, you must ensure that no foods or other consumable items are left out that are a danger to your canine. If your dog is still in the early stages of training, it may very well eat something toxic. On that note, do your research before feeding your pup anything off of your plate. Many safe foods for humans are actually poisonous to our four-legged friends.

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The modern world presents many dangers to domesticated dogs. Traffic, artificial structures, electricity, and heavy machinery have caused avoidable canine deaths. We recommend always keeping your dog safely in an enclosure when off the leash to prevent it from wandering off and being hurt or killed.

Conclusion

Labrador Retrievers are some of the most loved dogs in the nation – and with good reason! Few breeds can match their affectionate style of play or their gentleness with children. To most, they quickly become a member of the family and matter much more than a simple pet. The best way to keep your Lab happy and healthy is to invest in dog insurance. That way, you can thoroughly enjoy your time with your pup, knowing that you are ready for anything!

Ready to get started? After countless hours of research, we’ve found that Lemonade pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Labrador Retrievers

We ranked the best pet insurance policies for Labrador Retrievers based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in the 90210 zip code (Please note: prices will vary greatly based on your location)
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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