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5 Best Pet Insurance for Labrador Retrievers (2022 Reviews)

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Whether you live in Minnesota, Nevada, South Carolina or somewhere in between, there may come a time in your Labrador Retriever’s life when an emergency will strike and they will need urgent veterinary care. Such care comes with exorbitant fees, which is why so many dog owners seek out the protection of pet insurance.

Insuring your dog can help provide crucial financial assistance during trying times so that you can give your dog the best care available. We have done extensive research and found the best pet insurance companies in the hope that it helps you find the right dog insurance policy for your Lab.

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5 Top Pet Insurance Companies Compared for Labrador Retrievers

  • 1

    Best overall

    Our score
    Average price for
    Labrador Retrievers
    Reimbursement amount 90%
    Annual benefit $20,000
    • Lemonade features the overall best Labrador Retrievers pet insurance plan at the most competitive rates

    • Claims can be paid in under 60 seconds via their world-class app. I was blown away by how quickly they approved my claim and how much they paid

    • Lemonade is a certified B-corp that donates a significant portion of their unclaimed premiums to pet parents’ preferred non-profit organizations

  • 2

    Best for wellness

    Our score
    Average price for
    Labrador Retrievers
    Reimbursement amount 90%
    Annual benefit $20,000
    • They are one of the few companies that reimburse up to 100% of veterinary costs and provide quick reimbursements

    • Wagmo’s top-notch wellness plans extend coverage to include your pet’s routine and preventative care

    • Wagmo offers instant coverage for cats and dogs in all 50 states, regardless of their age, breed, or any health conditions (with some limitations)

  • 3

    Best live vet support

    Our score
    Average price for
    Labrador Retrievers
    Reimbursement amount 90%
    Annual benefit $5,000
    • Figo provides free 24/7 telehealth services to Labrador Retrievers owners with licensed veterinarians and other essential professionals on call

    • Their pet records app and real-time claims tracker are easy and intuitive to use

    • Figo covers most ‘curable’ pre-existing conditions as long as the pet has been symptom-free for 12 months since their last treatment

  • 4

    Best for pre-existing conditions

    Our score
    Average price for
    Labrador Retrievers
    Reimbursement amount 100%
    Annual benefit $3,000
    • Pawp allows you to protect up to 6 pets under one membership regardless of age or pre-existing conditions

    • Pawp membership gives Labrador Retrievers pet parents access to an annual one-time use $3,000 Emergency Fund to cover unexpected accidents or illnesses

    • Pawp does not require copays, credit checks or deductibles

  • 5

    Best established brand

    Our score
    Average price for
    Labrador Retrievers
    Reimbursement amount 90%
    Annual benefit $5,000
    • With Embrace’s “Healthy Pet Deductible,” your annual deductible drops by $50 every year you do not get reimbursed for a claim

    • Embrace has an easy-to-use claims portal and paid 92% of claims in 2021

    • Their Wellness Rewards is one of the most flexible preventative care plans available, offering a whole host of benefits, including training and grooming

Based on our personal experience and countless hours of research, we’ve found Lemonade Pet Insurance offers the ideal balance between coverage and unbeatable prices.

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FAQs about Labrador Retriever Pet Insurance

  • 1. How much does pet insurance cost for Labrador Retrievers?

    Labrador Retriever insurance costs an average of $35.25 to $62.58 per month. A range exists because providers use several factors to calculate monthly premiums, including but not limited to your dog’s age, breed, medical history, as well as the average costs of veterinary services in your state.

  • 2. What does pet insurance typically cover for Labrador Retrievers?

    Insurance benefits differ from one company to the next, but as a general rule, most policies will cover accidents and illnesses that are sudden and catastrophic. Coverage will extend to emergency care, tests, exams, other diagnostic procedures, medication and surgery.

  • 3. Can I cancel my Labrador Retriever’s insurance plan after I make a claim?

    Pet insurance companies will typically let you cancel your Labrador Retriever’s policy whenever you wish. Be sure to check with your provider as to how to go about doing so.

  • 4. Do pet insurance companies cover spaying and neutering?

    Pet insurance policies do not include coverage for spaying and neutering. That said, companies like Embrace have option wellness plans that cover these procedures should it be necessary for your Labrador Retriever.

  • 5. Does the cost of insurance increase as my Labrador Retriever ages?

    You can expect your Lab’s insurance costs to increase as they grow older, particularly once they reach 4 and 5 years old. Pet insurance companies do this to mitigate the heightened potential that your dog may become ill or develop chronic conditions and require more expensive veterinary care as they age.

  • 6. Which companies cover pre-existing conditions?

    Pawp tops our rankings for covering pre-existing conditions, particularly in emergencies. Additionally, Embrace covers some pre-existing conditions they deem to be curable. It is worth taking some time to clarify with each provider about the benefits and exclusions of their canine health plans.

  • 7. Is pet insurance worth it for Labrador Retrievers?

    As is true for all dog breeds, Labrador Retrievers can benefit immensely from pet insurance. Urgent veterinary care fees are pricey, and an insurance policy can help alleviate the financial burden of such situations. A common condition that Labs develop is hip dysplasia, which often leads to tremendous pain and renders some dogs unable to walk. The most effective treatment for this is hip replacement surgery, and it can cost up to $7,000. Another affliction that Labs, like many dogs, develop over time is cataracts, which can lead to blindness. Cataract surgery runs as high as $4,000. With insurance, you get the extra peace of mind that comes with knowing you don’t have to shoulder the bill on your own.

More Details About Pet Insurance for Labrador Retrievers

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade offers Labrador parents reasonable rates, several optional wellness packages and comprehensive illness and accident coverage. They also have a user-friendly claims filing system on their mobile app. If that weren’t enough, they have an extremely brief, 2-day waiting period for accidents. And for those who bundle their dog insurance with a renters’ or homeowners’ policy, discounts are available.

    Keep in mind: You may need to submit veterinary documentation to get your Labrador Retriever insured if they are older or have a pre-existing condition.

    Good for: Most Labrador Retrievers, especially the young and healthy. 

    Average price for Labrador Retrievers: $35.25/month 

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Pet parents will appreciate Wagmo’s lightning-fast reimbursements, which are made via direct deposit, Venmo or PayPal. Another perk of their coverage is that Wagmo will reimburse as much as 100% of veterinary fees for the remainder of your policy year once you meet your annual deductible. Labrador Retriever parents who insure multiple pets or renew their policies without claiming reimbursements in the previous year are eligible for discounts. A bonus is that dog owners are free to take their best buddies to the veterinarians of their choice.

    Keep in mind: They cap lifetime benefits at $100,000, meaning your Labrador Retriever will no longer be eligible for coverage should the cost of their care ever reach this threshold.

    Good for: Labrador Retriever parents who want a mix of wellness and emergency care covered by their insurance policies.  

    Average price for Labrador Retrievers: $58.52/month 

  • 3. Figo

    (Best live vet support)

    Why it’s great: Figo is known for including free 24/7 televet services via their mobile app with their standard canine insurance policies. Moreover, they feature different wellness plan add-ons that extend coverage to several types of care, one of which includes $250 worth of prescription food should your vet determine it essential to your Labrador Retriever’s health and healing. Another perk is their fast claim review process which takes an average of 3 days or less.

    Keep in mind: Figo does not cover pre-existing conditions.

    Good for: Labrador Retrievers parents that want 24/7 veterinary telehealth services included with their dog insurance policy. 

    Average price for Labrador Retrievers: $59.68/month 

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: The emergency fund protects a maximum of 6 pets within a given household, irrespective of their age, breeds or medical history, for a flat fee of $24/month. In tandem with the emergency coverage, Lab parents get unlimited 24/7 veterinary support and consultations with pet experts. Pawp is a popular choice among many dog owners because there are no copays, credit checks or deductibles. They also allow pet parents to take their four-legged friends to any licensed veterinarian they see fit. Better yet, Pawp will pay your bill for verified emergencies before you and your Labrador Retriever leave the vet’s clinic.

    Keep in mind: The emergency fund only covers medical events that Pawp’s virtual team of veterinarians qualify as true emergencies. Furthermore, it only pays for a single vet bill under $3,000 for one of your pets in a given year.

    Good for: Older Labrador Retrievers as well as those with pre-existing conditions. A good supplement for a standard dog insurance policy. 

    Average price for Labrador Retrievers: $24/month 

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace provides Labrador Retriever parents with unlimited lifetime benefits, multiple pet discounts and diminishing deductibles. With a diminishing deductible, you can expect your annual deductible to decrease $50 upon renewal if you did not have any claim reimbursements in the year before. Another benefit worth looking into is their wellness plan add-on, which extends coverage to alternative veterinary care such as acupuncture, reiki, chiropractic and massage therapy.

    Keep in mind: The annual maximum combined claims total for the wellness plan is $650, and any unused funds will not be reimbursed at the end of each policy year.

    Good for: Labrador Retriever parents that prefer having alternative veterinary treatments covered by their insurance. 

    Average price for Labrador Retrievers: $57.98/month 

Best Overall

Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider for Labrador Retrievers and they also offer the best value.


We hope you have found this article helpful in searching for the best pet insurance company for your Labrador Retriever. We suggest taking some extra time to contact the providers of your choice to understand better the benefits and exclusions of their plans. Purchasing the best dog insurance policy will give your best pal crucial support for both emergency and routine care and enable you both to share many happy and healthy years together.