<iframe src="https://www.googletagmanager.com/ns.html?id=GTM-PK9D66" height="0" width="0" style="display:none;visibility:hidden" title="gtm-frame"></iframe>Labrador Insurance UK with Agria Pet Insurance
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Labrador Pet Insurance

We supply award-winning Lifetime Labrador Pet Insurance

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Labrador Pet Insurance

Labrador Pet Insurance

Super smart, extremely courageous, nothing will phase the popular breed - the Labrador Retriever, they will love the world and everything in it! The most loyal friend you'll have, Labradors will do anything for their human companion.

Labradors are gentle and friendly, which makes them great around families. By being highly intelligent and kind around children, it's no wonder that these dogs are rated great all-rounders.  

They are commonly used as guide or rescue dogs, like Golden Retrievers. Despite many similarities, Labradors are known to be a little less eager to please and open towards strangers compared to Golden Retrievers. Adult Labradors usually weigh 25kg to 36kg and live between 10 and 12 years.  

Labrador in some flowers - Kennel Club Insurance

Common conditions that our Labrador customers claim for:


Average claim payment

Hypersensitivity (allergic) skin disorder


Osteoarthritis (osteoarthrosis, degenerative joint disease (DJD))


Elbow dysplasia (canine)


Atopy finding


Lameness finding


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Did you know...

  •  34% of our Labrador owners made a claim in their first two years with us. Fortunately, we pay 97% of all the claims we receive.
  • 80% of the claims we received for Labrador were for illness, with only 19% for injury*. Many of those claims were for lifelong conditions.
  • Our highest payment for a Labrador in the last 12 months is £8,215 for Elbow dysplasia.
  • The oldest Labrador we currently insure is a 17-year-old named Jet. Now, there’s a loyal companion!

Common Health Problems for Labradors

Labradors should live a long and healthy life, but there are common health problems that you should be aware of.

  • Elbow dysplasia

    Labradors can quickly get overweight and be at high risk for elbow dysplasia, which is when the joint ball and socket do not fit correctly and can get inflamed. Elbow dysplasia can easily result in the dog being less able to walk normally, leading to chronic pain and arthritis; therefore, visiting your vet immediately is important. Limiting your puppy's time on hard surfaces is a good idea, as it may affect their bone development later in life. 

  • Tumours & Lipomas

    Tumours and lipomas are common in Labradors, so be sure to check your dog's body for any signs. Lipomas are fat deposits commonly found in the chest, legs, or abdomen. Luckily, tumours and Lipomas usually cause no damage, but they may require removal if they impact your dog's mobility. If you notice anything strange on your Labrador, it's a good idea to get your vet to have a look as soon as possible.  

  • Obesity

    Labradors are at high risk of getting overweight as they love eating lots. It's important you track how much your dog eats because obesity can increase the risk for heart and liver disease. Additionally, by being obese they can increase the risk of arthritis and bloat, resulting in a swollen or twisted stomach.  


Health Tips for your Labrador


Labradors have a high instinct for hunting and will love swimming or playing fetch. They have high energy levels; you'll most likely have to exercise your Labrador over two hours daily, depending on their age and condition. They won't be happy if you just let them out in the garden as they need a wide variety of activities. Playing games is an excellent idea as they are very intelligent and have plenty of energy. 


Labradors are known for being easy to train and eager to impress people. Food treats heavily influence them, so it's a good idea to include this occasionally as a reward for training well. Labradors have a very high sense of smell and often remember the exact spots where they went to the toilet last. This breed is charming and friendly; therefore they don't make a good guard dog. However, they make excellent guide, detection, and therapy dogs.


Labradors can be greedy, so keep food out of reach. Typically, they require being fed 3 or 4 times a day as puppies and one or two times a day as adults. They will often overeat, so measuring and recording how much you feed them is a good idea. Remember not to make sudden changes to their diet as a puppy as it can cause stomach upset. 


Brushing your Labrador weekly will help keep their coat clean and help reduce shedding. They shed hair regularly, however they are relatively low maintenance to keep clean. They love water, which means you'll often see them swimming, but it also means it's easier to bath them. 

Labradors are charming and resilient and look pretty indestructible, but we still see conditions such as osteoarthritis and elbow dysplasia that may require long-term treatment. Only a lifetime insurance policy will help with the costs for as long as necessary.

Robin Hargreaves

Agria Vet Panel Lead, Veterinary Surgeon for 30 years and former British Veterinary Association President.

Robin Hargreaves, veterinarian - Agria Pet Insurance

Why more and more Labrador owners are insuring with Agria

With Agria, it's lifetime, every time

At Agria, we believe pet insurance should last your pet’s lifetime. Our policies provide lifelong vet’s fees cover for illnesses and injuries. This means that, provided your policy is renewed each year, your maximum benefit will be refreshed, providing cover for ongoing conditions.

So, whatever happens throughout your Labradors life, we’ll always be there for you and your dog!

Find out more about insuring different dog breeds

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For UK customers:
Agria Pet Insurance Ltd is authorised and regulated by the Financial Conduct Authority, Financial Services Register Number 496160. Agria Pet Insurance Ltd is registered and incorporated in England and Wales with registered number 04258783. Registered office: First Floor, Blue Leanie, Walton Street, Aylesbury, Buckinghamshire, HP21 7QW. Agria insurance policies are underwritten by Agria Försäkring.

For Jersey customers:
Agria Pet Insurance Ltd is regulated by the Jersey Financial Services Commission (JFSC). Ref: 0001498. Registered office: As detailed above.

For Guernsey customers:
Clegg Gifford Channel Islands Limited is licensed by the Guernsey Financial Services Commission. Ref: 2722221. Registered office: Admiral House, Place Du Commerce, St Peter Port, Guernsey GY1 2AT.

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