Labrador

Breed profile and dog insurance

About the lovable Labrador

There are plenty of reasons why the Labrador Retriever is frequently classed as the most popular dog breed around.

Not only are they affectionate, playful and devoted, they can be relied upon and are predictable. For families with children, this is an important attribute.

A large breed with a stocky body, the Labrador weighs from 29kg to 35kg and reaches heights of 62cm. While they are prone to being over-weight, every Lab has the potential to be lean and slim.

Labrador dog doodle

Labrador Retriever Breed facts

  • Weight: 29-35KG
  • Size: Large
  • Life expectancy: 10-14 years
  • Temprament: Affectionate, playful and devoted

 

Caring for your Labrador

Labradors are gentle giants with hearts of gold. They make excellent family pets and slot in well to most households. They can be prone to obesity, so owners must limit calories and take the time to ensure they are being well-exercised.

Preventative health care

Having a dog health care plan in place helps you take care of your Lab’s everyday health care needs.

A membership to a plan, like The Healthy Pet Club, covers your pet’s preventative health care, including vaccinations, health checks, flea and worm treatments, savings on vet fees and medication, plus other benefits like discounts on purchases (including things like pet food, treats and toys) in your veterinary practice.

Many plans can be paid for on a monthly basis, so you can spread the cost of your membership, whilst saving money at the same time!

Dog insurance

Cover your canine companion throughout all of their adventures with our dog insurance.

Labrador puppies can benefit from four weeks free WalkawayCover puppy insurance, with £500 of vet fee cover to get you started. Find your nearest participating veterinary practice today. Puppy must be between eight weeks to one year of age and is subject to a CVS vet health check. WalkawayCover covers illness and accidents instantly. Please note that we cannot provide cover for pre-existing conditions.

For adult Labs, you can get a lifetime insurance quote online in the wag of a tail, or call our friendly UK call centre team on 0808 164 8000.

Nutrition

There’s plenty of choice for pet food to feed your dog, both wet and dry, making it difficult to decide which is the most appropriate.

When choosing a food, it’s important to know that the needs of your Labrador Retriever will change throughout their life.

Check with your vet if you need help choosing the right food and amounts to offer.

Grooming

Shorter haired breeds generally need grooming every couple of weeks or so.

Bathing can help remove debris and dirt from your dog’s coat.

Groom your dog first and use pet friendly shampoo. You can use a rubber mat in the bath or sink to prevent slips and slides while your pet’s coat is being cleaned.

Remember to stand clear of your dog after bathing…else you risk a soaking when they shake!

Companionship

For many, the Labrador’s ability to get on with people, dogs and cats is one of their best attributes.

However, it should not be assumed that all Labradors are social butterflies.

You’ll need to ensure they’re well socialised from a young age and have plenty of positive social interactions. Your veterinary practice may offer puppy parties or new puppy classes, so it’s worth enquiring to set your young Lab off to a great start in life!

Weight management

Labradors can be prone to obesity, so it’s important to limit calories and take the time to ensure they are being well-exercised.

Why should I insure my Labrador Retriever?

It’s always a good idea to have a Labrador insurance policy in place to help with unexpected vet fees.

If you’re introducing a Labrador puppy to your home, why now take a look at our four weeks’ free WalkawayCover* created especially for new pups aged 8 weeks to one year?

*Puppy must be between 8 weeks and 1 year old and is subject to a CVS health check. WalkawayCover covers illness and accidents instantly. Not all breeds of dog are eligible.

Dog insurance can help you cover the costs of clinical care should your canine companion become ill or have an accident. Please don’t leave it until it’s too late to arrange cover.

 

Hip and Elbow Dysplasia

Abnormally developed joints cause chronic mobility issues and signs including lameness, reluctance to exercise and muscle wastage.

Signs can begin in the Lab’s first year of life and worsen as they age. As the joints are not aligned as they should be, arthritis will develop.

X-rays or CT scans will enable diagnosis.

For some, surgical intervention can dramatically improve prognosis. For others, they are managed with ongoing pain relief and anti inflammatory medicine.

It is also important that pressure is taken off joints by preventing obesity.

Adjunctive therapies including canine massage and acupuncture should also be considered.

Obesity

While being obese is not a disease in itself an obese Labrador is more prone to a number of diseases.

These include arthritis, cancer, diabetes and elevated blood pressure.

We should aim for our Labs to have a Body Condition Score of 4 or 5 out of 9.

When Labs are kept slim their entire lives, they are proven to enjoy better health.

Hypothyroidism

If the thyroid gland does not produce enough thyroid hormone, your Labrador may develops signs including chronic skin infections, sluggish behaviour and difficulty losing weight.

Hypothyroidism is easily diagnosed with a blood test.

Thankfully, this endocrine disease is easy to manage with daily medicine. However, the cost of medicine and ongoing check-ups and blood tests will add up through the years. 

Epilepsy

For most Labs, their epilepsy starts before the age of five. They will have seizures for no known reason.

It is important the vet rules out other causes of fits, which will entail a range of medical tests.

A full work up can cost several thousand pounds, particularly if imaging of the central nervous system is required.

Epileptic dogs can enjoy a good quality of life as long as their seizures are well controlled with medicine.

Atopic Skin Disease

Ongoing itchiness and repeated skin infections may be caused by atopy or allergies.

Labs can react to a range of allergens including dust mites, foods, pollens and grasses.

The diagnosis and management of atopic skin disease is notoriously expensive, with allergy testing and immunotherapy costing several thousand pounds.

Fatty tumours

Fatty tumours occur more commonly in over-weight labs.

They will feel soft to the touch and will move around under the skin. They tend to grow slowly.

Your vet may advise a fine needle aspirate to confirm the diagnosis.

Cancers

The Labrador is prone to a number of different cancers including hemangiosarcoma, lymphoma and mast cell tumours.

Average treatment costs

The average pet insurance claim currently stands at £848 according to the report produced by the Association of British Insurers in 2022.

As there is no NHS for pets, could you afford to take your chances and not have cover in place for your beloved Labrador Retriever?

Why choose MiPet Cover?

Our policies put you in control. You can flex your vet fee cover and fixed excess amount so you can get the cover your Labrador’s needs for a price that suits your budget.

Choose from up to £12,000 in lifetime pet insurance cover

Vet fee cover up to £12,000

Choose the level of lifetime vet fee cover that suits your dog’s needs, replenished every year you renew.

Your lifetime pet insurance includes access to 24/7 pet helplines

Pet helplines

You’ll get access to a number of 24/7 helplines. Whether you need help with counselling or pet legal matters, we’re here to offer a helping paw.

Your lifetime pet insurance includes complementary therapy session

Complementary treatment

Cover for your Labrador to access complementary therapy sessions as advised by your veterinary professional.

Holiday cancellation cover with your lifetime pet insurance

Holiday cancellation cover

If your pet became ill and you needed to cancel or cut short a planned holiday, you could recover your financial losses.

Pet insurance that covers Advertising if your pet goes missing

Advertising costs

You’ll get help you with the costs of reuniting you with your lost pet for advertising for their safe return.

Pet insurance that covers Advertising and reward if your pet goes missing

Reward costs

You’ll have cover so you can offer a reward fee to help you get your pet home safely if they go missing.

Your lifetime pet insurance includes Emergency treatment abroad

Emergency treatment abroad

We’ll help you with expenses (for things such as accommodation or transport) should your dog become ill or injured while you’re abroad. (Not WalkawayCover)

Your lifetime pet cover includes boarding and kennel fees if you need to go to hospital for 4 days or more

Boarding fee cover

If you become unwell and need to stay in hospital for 4+ days, we’ll pay towards the costs of your pet minder or kennels. (Not WalkawayCover)

What type of dog cover do I need?

With so many pet insurance policies in the market, it can be confusing as to what’s really right for you and your Labrador Retriever’s needs. It’s easy to just pick the cheapest pet insurance policy and relax. But it’s important to take some time to consider if that policy would be enough if your pet suddenly developed a lifelong condition or needed significant clinical care as a result of an accident or illness.

An annual policy (also known as ‘time-limited’) will only cover your pet for any new illnesses or injuries for 365 days.

A lifetime policy offers a far more comprehensive level of cover for your Labrador.

These policies typically offer a fixed amount of veterinary fee cover which will be renewed each policy year, so long as you remain with the same provider, your premiums are paid up to date and you renew your cover every year. Lifetime cover will ensure that your pet can receive lifelong treatment should they develop a condition such as diabetes or arthritis.

LifetimeFlex - Lifetime pet insurance - Logo

Perfect for pet parents looking for a comprehensive lifetime policy with up to £12.000 vet fee cover.

About lifetime cover
365Flex annual pet insurance logo

12 months’ cover, for help with unexpected treatments. Choose £2,500 or £5,000 vet fee cover.

About annual cover
WalkawayCover - Free puppy & kitten insurance - Logo

Four weeks’ free pet insurance for kittens and puppies. Peace of mind for the early weeks.

About WalkawayCover

Compare our levels of pet cover

With many options to choose from, we’ve broken it down for you so you can quickly compare our pet insurance policies and benefits.

MiPet Cover Benefit
LifetimeFlex
LifetimeFlex
LifetimeFlex
365Flex £2.5k
365Flex £5k
Product type
Lifetime per year
Lifetime per year
Lifetime per year
12 Month
12 Month
Vet’s fees Choose from
£2,000 or £4,000
per year
£6,000 or £8,000
per year
£10,000 or £12,000
per year
£2,500
per condition
£5,000
per condition
Including complementary therapies up to
£1,000
per year
£1,500
per year
£2,000
per year
£250
per condition
£500
per condition
Fixed excess Per condition, per year
Choose between
£100-£200
Choose between
£100-£200
Choose between
£100-£200
Choose between
£100-£200
Choose between
£100-£200
Optional* variable excess Payable in addition to the fixed excess. *Once added, it cannot be removed for the lifetime of the policy. Variable excess is compulsory for dogs 6 years+ and cats 8 years+.
10%
10%
10%
10%
10%
Death from illness (max age 8)
£1,000
£1,500
£2,000
£500
£750
Death from accident
£1,000
£1,500
£2,000
£500
£750
Advertising
£750
£1,000
£2,000
£500
£750
Reward
£500
£750
£1,000
£500
£750
Loss by theft/straying
£1,000
£1,500
£2,000
£500
£750
Boarding & kennel fees
£750
£1,500
£2,000
£250
£500
Third party liability (Dogs Only)
£1M
£2M
£3M
£1M
£1M
Holiday cancellation
£1,000
£1,500
£2,000
£500
£750
Quarantine costs
£500
£750
£1,500
£250
£500
Loss of pet passport
£250
£250
£250
£250
£250
Emergency expenses abroad
£500
£750
£1,000
£250
£500
Repeat tick and Worming (If you're delayed returning to the UK)
£500
£750
£1,000
£250
£500
Helplines

Things to know about lifetime pet cover: New accidents and illnesses (conditions) are covered up to the specified financial limit in each policy term. If the limit is reached during the policy term, the cover stops until the policy is renewed. At the renewal date the limit is fully reinstated and the condition(s) will continue to be covered. This is subject to the insurer inviting the policy renewal and payment of premiums by the due date. No further cover will be provided beyond the cancellation or expiry date of the policy. Please be aware that you need to renew your policy each year for cover to remain in force. Like humans, our pets are more likely to be affected by illness as they get older. This means that every year your insurance premium will increase even if you haven’t made a claim. This increase will be significant if you have claimed. If your pet suffers an illness during the policy term you may find it difficult obtaining cover for these conditions from other providers.

Save more with a 5%
multi-pet discount

Get a free Labrador insurance quote in the wag of a tail

FAQs

I have more than one pet - do you offer a multi-pet discount?

Yes we do, as we know that more furry friends = more fun!

If you are getting quotes for all you pets at the same time, simply get a quote online and add additional pets using the ‘Add another pet’ button.

Your 5% multi pet discount will be automatically applied to your quotes.

You can also add additional pets and get your multi pet discount by calling 0808 164 8000.

Why are some dog breeds more expensive to insure than others?

The details you enter are used by the underwriter to calculate your pet insurance premiums.

Examples of rating factors which may affect the price of your premium are the breed of your pet, the age of your pet and your postcode.

Can you pay my vet directly through my Labrador insurance?

Yes, we can pay your vet directly on your behalf. Any claims will be subject to your policy excesses. Your veterinary practice may be able to help you submit your claim. It’s always best to check with your vet in the first instance.

Is dental treatment covered?

Both our LifetimeFlex and 365Flex pet insurance policies cover dental treatment as a result of an accident or illness. (So long as your dog is up to date with their yearly dental check-ups and where any work recommended is carried out at your own expense).

Do you cover pre-existing conditions?

No, we currently do not offer cover for pre-existing conditions when you take out a new policy with MiPet Cover.

This includes any illness, accident, or incident, that occurred to your pet prior to taking out the insurance policy with MiPet Cover, and, any accident, illness, or incident that occurred within any exclusion period.