Best Pet Insurance Companies for a Labrador Retriever

While there is no one best insurance plan for all people and pets, we've selected some Lifetime vet health plans that stand out for insuring Labradors in terms of their features and prices. Read our recommendations to discover which Lifetime plans might be best to protect your beloved dog throughout life. If you're not sure where to begin, read our Pet Insurance Guide.

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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Pet cover can help with vet bills. Protect your Labrador today.

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  • Comparing
    Summary of the Best Pet Insurers for Labradors
  • Choosing
    How To Pick a Vet Health Cover Plan

We've analysed dozens of plans from Compare Cover and elsewhere in the market to identify some stand-out vet health plans for Labrador Retrievers. According to our analysis of a broad selection of over a dozen popular UK pet insurers, the following products stood out to us for their features and price points. As we review more pet insurers, we may update the list with better plans. The best pet insurance for you will depend on your individual situation and spending patterns. Please use the information in this guide to help you narrow your choices and find the best value.

Quotes for Everypaw and Marks & Spencer can also be obtained through our comparison partner, Compare Cover.

Best Cheap Lifetime Pet Insurance for Labradors: EveryPaw, M&S

Even if you have a tight budget, there are a number of cheaper Lifetime pet insurance plans starting around £20 per month for a young, healthy Lab.

Cheap Labrador Insurance with Euthanasia: Everypaw £2k or £4k

Consider this if you don't want to pay a lot for Lifetime cover, with prices starting from £35 per month for £10k of Lifetime cover for a Lab.

Range of Vet Cover £1,000, £2,000, £4,000, £6,000 and £10,000
Types of Plans Max Benefit/Lifetime
Dental Cover Dental injuries/accidents only except after 2 years of cover
Excess 90

Everypaw offers Lifetime (with Max Benefit) plans for cheaper prices. They can price their plans well due to lower "per-condition" limits on their £2k, £4k and £10k Lifetime plans, as shown in the following table (so these Lifetime plans also have a Max Benefit component, but this resets each year). For example, similar to M&S, Everypaw offers a £4k Lifetime policy with a £1,000 per condition per year limit, which should cost less than £26/month for a young, healthy Lab (£90 excess). This means you have a new pot of £4,000 each year from which to draw on for vet fees, but you won't be reimbursed more than £1,000 each year for any one condition. There's a Petcall helpline that can be reached any time of day or night at on 0330 123 1923 with non-emergency queries. Everypaw offers an unusual feature of covering your premium in certain cases—subject to conditions, Everypaw will refund your premium for each complete 30 day period you are unable to work as a result of an accidental injury, illness or involuntary unemployment, to help you keep vet health cover even in a potentially difficult financial situation.

Sample Everypaw Lifetime quotes for healthy, 6-month-old LabradorPer Condition Annual LimitMonthly PremiumExcess
Everypaw £10,000£2,000£34£90
Everypaw £6,000n/a£48£90
Everypay £4,000£1,000£26£90
Everypaw £2,000£500£18£90

To claim, send the form within 6 months of the first date of treatment or within 6 weeks of the end of the policy year if the treatment is not complete by that time. Dental illness treatment is only valid if to relieve suffering due to illness and dental treatment was recommended and undertaken after the first 2 years of cover.

Pros
  • Euthanasia cover (for humane reasons as recommended by vet)
  • Travel cover
  • Dental injury
  • Dental illness subject to conditions (annual checks, only covered after first 2 years of cover, etc.)
  • Death Due to Illness Cover (age dependent)
  • Prescription food (stc)
  • Petcall helpline
Cons
  • No new policies for older pets (dogs 5+ or 8+, breed dependent, or cats 10+)
  • Excess rises as pets age (e.g., 25%)

Cheap Dog Insurance with Dental, Vet Hotline and Euthanasia: M&S Bank Standard

Consider this if you want a cheaper Lifetime plan with dental injury & illness.

Range of Vet Cover £3,000, £4,000 or £7,000
Types of Plans Time Limited/Max Benefit and Lifetime
Dental Cover Injury & Illness on Standard & Premier Plans; Injury only on Essential
Excess £50, £100 or £150 (or £150, £200 or £250 for pets 9 years of age or older)

If you're looking for a bit more vet cover or for additional features such as dental cover or a vet hotline, M&S Bank Standard Lifetime Plans cost around £19 per month with a £100 excess, for a healthy, young Lab. That price provides £4,000 of annual Lifetime vet cover, which they're able to offer for this cheaper price due to a further £1,000 per condition limit per year (e.g., an annual Max Benefit on the Lifetime plan, similar to Everypaw's £4k plan mentioned above). Dog owners can call the vet hotline with questions and you get euthanasia cover, plus Lifetime plans include dental injury AND illness cover.

Pros
  • Euthanasia cover
  • Vet hotline
  • Dental injury & illness on Lifetime plans
  • Lower premiums
  • M&S voucher with new Standard/Premier policies
Cons
  • Per condition limit of £1k on Standard Lifetime plan

Best Lifetime Pet Insurance for Labradors with £6k+ of Cover: Agria, PetPlan, Bought By Many, EveryPaw

If your budget can easily stretch to £50 per month or more, you might want to consider a dog health plan with higher limits of Lifetime cover (or a Lifetime plan without the Max Benefit component, which limits annual claims per condition) from Agria, PetPlan, EveryPaw or 4Paws.

Best Cheaper Labrador Pet Insurance, with More Cover and Optional Features: Agria £6,500 or £12,500

Consider this if you're looking for customizable features and solid value—a premium plan for less.

Range of Vet Cover £6,500 or £12,500
Types of Plans Lifetime
Dental Cover Dental illness and injury covered
Excess £85 - £160, plus 10%

If you like the features of premium plans but don't like the price tags, a good option may be Agria's £6,500 Lifetime Plan. A young Lab costs around £44 per month to insure on the £6,500 Lifetime plan or £57 on the £12,500 Lifetime plan. Agria is able to offer competitive pricing because pet owners contribute more towards vet fees through the use of a standard 10% copay (in addition to a fixed £ excess) should you ever need to claim. Features like Boarding if You're Unwell, EU Travel, Death and Loss and Holiday Cancellation are available as optional extras—if you don't want this cover then you don't need to pay for it unnecessarily.

Sample Agria quotes for healthy, 6-month-old LabradorMonthly PremiumExcess
Agria £12,500£57£95 + 10%
Agria £6,500£44£95 + 10%

The terms and conditions feel like they were designed by real pet owners, as you can read about in our review. Dental illness and injury are covered, as well as euthanasia should the need arise to prevent the suffering of your pet. Adding the optional extras discussed above would add around £50 to a dog quote. Even with these additions, Agria prices are good value compared to other premium plans.

Pros
  • Higher vet limits
  • Congenital cover
  • Dental injury and illness
  • 6+ months to claim
  • Optional Extras: Boarding if You're Unwell, EU Travel, Death and Loss and Holiday Cancellation
Cons
  • 10% copay on top of fixed excess
  • Pay extra for EU travel cover

Best Labrador Pet Insurance, with More Cover and Extra Features: PetPlan £4k Classic, £7k Classic+ or £12k Ultimate

Consider this if you want a premium plan from the UK's largest pet insurer.

Range of Vet Cover £3,000 - £12,000
Types of Plans Time Limited and Lifetime
Dental Cover Dental illness and injury covered
Excess £75 - £120

As the UK's largest dog and cat insurer, PetPlan Lifetime plans are a solid choice from a company that, in all likelihood, already has a relationship with your vet—potentially making it easier to submit claims. Their Lifetime plans include dental illness and injury, holiday cancellation, boarding if you're unwell, congenital/hereditary conditions (that arise after the policy starts, as with the other plans), 90 days of EU travel cover and a vetline to call with queries. One of the only significant features not included on PetPlan Lifetime plans is euthanasia/cremation/burial cover.

Sample Petplan quotes for healthy, 6-month-old LabradorMonthly PremiumExcess
PetPlan Ultimate £12,000£75£120
PetPlan Classic+ £7,000£52£120
PetPlan Classic £4,000£45£120
Pros
  • Dental injury and illness
  • Quick reimbursement
  • Long window to submit claims
Cons
  • New Lifetime policies not available for an older pet
  • Higher excess and premium
  • No euthanasia cover
  • Addition of 20% variable excess for older pets

Bought By Many Pet Insurance

Consider this if you want unique cover for pre-existing conditions, to pay cash back if you don't claim or to fix the premium for the life of your dog or cat.

Range of Vet Cover £7,000 or £15,000
Types of Plans Time Limited, Max Benefit, Lifetime and Third Party Only
Dental Cover depends on the plan
Excess Standard excess is £69 or £69 plus 20% of claims; Regular plan has an option of no excess; Pre-existing Condition plan is £99 or £99 plus 20% of claims. Older pets must pay the plus 20% of claims.

Bought By Many has a unique approach to pet insurance, where plans are based on feedback from over 40,000 pet owners and they aim to fix problems with the pet insurance market. Bought By Many have an option to cover pre-existing conditions; fix your premium for life or pay 20% of your premium back if you don't claim. Prices will vary based on which plan you choose and your particular details, but to give you a general idea, Bought By Many prices start from around £36 for £7,000 of Lifetime cover for a healthy, young Labrador.

Sample Bought By Many quotes for healthy, 6-month-old LabradorVet LimitsMonthly PremiumExcess
Regular£7,000£36£0
Fixed for Life£7,000£64£69

They offer vet fees cover £3,000 to £15,000 and have a zero excess option on their regular policy. For owners with multiple pets they offer a 15% multipet discount. They have been rated 5 stars by over 4,000 of their customers.

Pros
  • A plan to cover for pre-existing conditions
  • A plan to fix the premium for life
  • A plan to get money back if you don't claim
  • Euthanasia, Travel and Dental cover available
  • Option to change excess to suit
  • New Lifetime policies open to older pets
Cons
  • No vetfone to call with health queries

Cheaper Labrador Insurance with Euthanasia and £10k of Cover: Everypaw £6k or £10k

Consider this if you want more vet cover for less, with prices starting from £35 per month for £10k of Lifetime cover for a Lab.

Range of Vet Cover £1,000, £2,000, £4,000, £6,000 and £10,000
Types of Plans Max Benefit/Lifetime
Dental Cover Dental injuries/accidents only except after 2 years of cover
Excess 90

Everypaw is another pet insurance provider offering Lifetime/Max Benefit plans for relatively cheap prices, accomplished in part through the use of "per condition per year limits" on many of their Lifetime plans. Their Lifetime plan offering £10,000 of vet fees cover starts around £34/month for a young, healthy Lab (£90 excess)—a relatively low price but there is a £2,000 per condition per year limit on the plan (meaning, you can only use up £2k of the overall £10k limit on any one condition each year). The £6k plan costs more but doesn't impose a lower per-condition limit each year—you could theoretically use the entire £6k on one condition if necessary. Features include a Petcall helpline that can be reached any time of day or night at on 0330 123 1923 with non-emergency queries. Everypaw offers an unusual feature of paying your premium in certain cases—subject to conditions, Everypaw will refund your premium for each complete 30 day period you are unable to work as a result of an accidental injury, illness or involuntary unemployment, to help you keep vet health cover even in a potentially difficult financial situation.

Sample Everypaw Lifetime quotes for healthy, 6-month-old LabradorMax per Condition per YearMonthly PremiumExcess
Everypaw £10,000£2,000£34£90
Everypaw £6,000n/a£48£90
Everypay £4,000£1,000£26£90
Everypaw £2,000£500£18£90

To claim, send the form within 6 months of the first date of treatment or within 6 weeks of the end of the policy year if the treatment is not complete by that time. Dental illness treatment is only valid if to relieve suffering due to illness and dental treatment was recommended and undertaken after the first 2 years of cover.

Pros
  • Euthanasia cover (for humane reasons as recommended by vet)
  • Travel cover
  • Dental injury
  • Dental illness subject to conditions (annual checks, only covered after first 2 years of cover, etc.)
  • Death Due to Illness Cover (age dependent)
  • Prescription food (stc)
  • Petcall helpline
Cons
  • Dental illness not covered in first 2 years
  • No new policies for older pets (dogs 5+ or 8+, breed dependent, or cats 10+)
  • Excess rises as pets age (e.g., 25%)

Best Pet Insurance Summary

Here is a summary of some of the best Lifetime plans for Labrador Retrievers.

InsurerPlanLifetime Vet CoverMax Benefit per YearEstimated Starting Monthly PremiumExcessDental Illness?Putting to Sleep
Everypaw£2,000£2,000£500£18£90Yes, after 2 years of coverCovered (but not burial, cremation or disposal)
Everypaw£4,000£4,000£1,000£26£90Yes, after 2 years of coverCovered (but not burial, cremation or disposal)
M&SStandard£4,000£1,000£19£100YesCovered up to £100 (including burial/cremation)
Agria£6,500£6,500n/a£44£95 + 10%YesCovered (plus £150 for burial/cremation)
Agria£12,500£12,500n/a£57£95 + 10%Yes£150 (including burial/cremation)
PetplanClassic£4,000n/a£45£120YesNo
PetplanClassic+£7,000n/a£52£120YesNo
PetplanUltimate£12,000n/a£75£120YesNo
Bought By ManyRegular£7,000n/a£36£0No (Injury only)Covered up to £150 (including burial/cremation)
Bought By ManyFixed for Life£7,000(£20k max lifetime payout per pet)£64£69No (Injury only)Covered up to £150 (including burial/cremation)

How to Choose the Best Pet Insurance for a Labrador Retriever

As Labrador Retrievers can suffer from a number of health conditions resulting in significant vet fee bills over the years, Lifetime pet insurance is generally the safest type of pet insurance when it comes to these gentle souls. With a Lifetime plan, vet limits reset each year to provide financial protection for recurring conditions or conditions that take a long time to treat.

Like many pedigree dogs, Labradors are prone to health problems such as hip dysplasia, obesity, cancer, skin problems related to allergies, and ear infections. As a result, you'll pay more to insure your Lab than, say, a mixed-breed dog. In fact, the average cost of Lifetime cover for a young, healthy Lab is £39 per month—this is 1.2 times the average cost of Lifetime dog cover for a crossbreed dog. You don't need to pay that much, though. Through our research of dozens of pet insurance policies, we've identified a handful of providers that offer cheaper Lifetime cover for Labradors in the range of £20 to £30 per month.

Methodology

By collecting dozens of data points from various pet insurance plans around the UK, including from our partner Compare Cover, we were able to gain insight on Lifetime insurance plans for Labradors. The data we collected span all types of variables such as vet cover, premium, excess, changes for older pets, etc.

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Pet cover can help with vet bills. Protect your Labrador today.

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