Labrador Retriever Pet Insurance
Give your Lab nose-to-tail coverage for all of life's surprises!
Labrador Retrievers are friendly, outgoing, and active companions who bring endless joy to families, but as a large breed, they’re prone to certain health conditions that can lead to expensive vet bills. Hip dysplasia, elbow dysplasia, and progressive retinal atrophy are just a few common concerns that could cost thousands to treat.
Pet insurance helps you focus on what matters most: your Lab’s health and happiness. Here’s everything you need to know about coverage options, costs, and why insurance makes sense for this beloved breed.
What does Labrador Retriever pet insurance cover?
A base Lemonade pet health insurance policy helps cover the costs of medication, tests, and treatments if your Labrador Retriever has an unexpected accident or illness (provided it’s not related to a pre-existing condition, and occurs after your policy’s waiting periods have ended).
Whether it’s an unexpected accident during play time or a breed-specific illness like Hip dysplasia, Labrador Retrievers benefit from comprehensive coverage that protects against life’s surprises.
Wellness care
Want to get money back for your Lab’s routine care? Our preventive packages reimburse you for the stuff you’re already doing, like annual checkups, vaccines, blood work, and other routine care that keep your pup healthy and happy.
Keep in mind, preventative care offerings might differ based on where you live. The easiest way to see what’s available? Get a free quote.
Extra coverage
You can also customize your Lemonade policy with optional add-ons like:
- Physical therapy: especially important for a breed prone to joint issues like hip and elbow dysplasia
- Visit fees
- Dental coverage
- Behavioral conditions
- End-of-life and remembrance
These coverages help take a bite out of pricey treatments, services, and vet visits that Labrador Retrievers often need.
Is pet insurance worth it for Labrador Retrievers?
Taking care of any large breed gets expensive, and Labrador Retrievers can face costly breed-specific health issues throughout their 10 to 12-year lifespan. The good news? Lemonade pet parents are already saving serious money on vet bills.
Labrador Retrievers are particularly prone to joint problems, eye conditions, and obesity-related issues, which makes insurance even more valuable.
Check out how much other Labrador Retriever parents have saved with pet insurance below. Your savings could be even higher.
Common Labrador Retriever health conditions
Labrador Retrievers are amazing dogs, but they’re predisposed to certain health conditions that can get expensive to treat. Here are some of the most common claims we see for them, along with typical treatment costs:
| Condition | What is it? | Average treatment cost |
|---|---|---|
| Hip Dysplasia | Malformed hip joint; pain and arthritis in back legs | $1,500–$6,000 |
| Elbow Dysplasia | Poorly formed elbow joint; causes limping/arthritis | $1,200–$3,500 |
| Lymph Node Cancer (Lymphoma) | Cancer of the lymph system | $2,000–$7,000 |
| Ear Infections | Chronic or severe ear infections | $300–$800 |
| Skin Allergies (Environmental/Food) | Persistent itching from food, fleas, or environment | $400–$1,500 |
| Obesity | Extra weight, leads to other health issues | $250–$800 |
| Torn Knee Ligament (Cruciate Ligament Tear) | Torn ligament in the knee | $1,200–$8,500 |
| Dental Disease (Tooth & Gum Problems) | Gum & tooth disease, possible extractions | $400–$1,500 |
| Cataracts | Clouding of the eye lens; vision loss | $2,000–$4,000 |
| Bloat (Stomach Twisting, GDV) | Stomach fills with gas and twists (emergency) | $2,500–$7,500 |
As a sporting breed, Labrador Retrievers face higher risks for orthopedic issues and weight-related health problems, which is why early coverage is important to protect their health and your wallet.
How much does pet insurance for Labrador Retrievers cost?
Your Labrador Retriever’s premium depends on a few key factors: Their age, your location, and the coverages you choose. Large breeds like Labrador Retrievers typically cost more to insure due to their size and genetic predisposition to expensive conditions like hip dysplasia and eye diseases.
Here’s what other Labrador Retriever parents typically pay for Lemonade coverage:
| Age | Average monthly premium |
|---|---|
| 1 year old | $35-$40 |
| 2 years old | $35-$40 |
| 3 years old | $40-$45 |
| 4 years old | $45-$50 |
| 5 years old | $50-$55 |
| 6 years old | $60-$65 |
| 7 years old | $75-$80 |
How can I find the best pet insurance for my Labrador Retriever?
While we might be biased, Lemonade was really designed with pet parents in mind, especially those with breeds like Labrador Retrievers that need comprehensive coverage for joint health, weight management, and eye care.
Our customizable add-ons are perfect for Labrador Retrievers since you can tailor coverage for their specific risks like hip dysplasia and eye conditions.
Don’t believe us? Take a look at how we stack up against the competition.
Before we go…
Labrador Retrievers make incredible companions, but their active lifestyle and tendency toward weight gain can get expensive fast. Pet insurance helps you say “yes” to the best care without worrying about the vet bill, whether that’s treating hip dysplasia surgery, managing eye conditions, or handling an emergency.
Ready to protect your Lab? Get a personalized quote in as little as 90 seconds and see how affordable coverage can be for your Labrador Retriever.
Get to know your Labrador Retriever
Are Labrador Retrievers good with families and children?
Outstanding with families and children. Labs are known for their patient, friendly nature and natural instinct to protect kids. They’re gentle, tolerant, and love being part of family activities.
What does a Labrador Retriever's grooming schedule look like?
Brush 2-3 times weekly, daily during shedding seasons. Regular baths, nail trims, and ear cleaning. Labs have water-resistant coats that require minimal professional grooming.
Are Labrador Retrievers suitable for first-time dog owners?
Perfect for first-time owners. Labradors are forgiving, predictable, and eager to please. Their stable temperament and moderate care needs make them ideal beginner dogs.
Are Labrador Retrievers easy to train?
Yes, very easy to train. Labs are highly intelligent, food-motivated, and love learning. They excel in obedience training and pick up new commands quickly with positive reinforcement.
What activities do Labrador Retrievers usually enjoy?
Swimming, fetching, hiking, and active outdoor games. They love water sports, playing with balls or frisbees, and any high-energy activities with their families.
*Lemonade Insurance analyzed policy rates of accident and illness policies to calculate average pet insurance premiums as of October, 2025. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances and additional coverages selected.