Pet Insurance for Labrador Retrievers
If you own a Labrador retriever, you want what’s best for them. Dog insurance could help ease the cost of vet bills.
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Friendly and outgoing with adorable faces, it’s no mystery why Labrador retrievers are consistently one of America’s most popular breeds. While they make great family dogs, they are prone to some conditions like elbow dysplasia, hip dysplasia, and heart conditions.1
Pet insurance for Labs can help pet parents cover eligible unexpected veterinary expenses, including care for accidents, illnesses, surgeries, and certain breed-related conditions that aren’t pre-existing.
What Does Pet Insurance Cover for Labrador Retrievers?
Pre-existing conditions aren’t eligible for pet insurance coverage. But enrolling your Lab in MetLife Pet Insurance before signs or symptoms appear may help cover treatment for a variety of health conditions commonly associated with Labs, including:1,2
- Ear infections
- Elbow dysplasia
- Hip dysplasia
- Heart disease
- Gastric Dilatation and Volvulus (GDV)
These aren’t the only conditions that may be covered. MetLife Pet Insurance can also help pay for unexpected accidents and other common illnesses that can affect any dog.
Is Pet Insurance Worth It for Labrador Retrievers?
Yes, pet insurance can be worth it for Labrador retrievers because the breed is prone to certain health conditions that may require costly veterinary treatment, emergency care, or surgery. Issues like hip dysplasia and bloat can lead to high veterinary costs. Below are the average treatment costs for some of the most common conditions.
Vet Costs for 5 Labrador Retriever Conditions
| Average Treatment Cost | Top Claim MetLife Pet Paid Out* |
Ear Infections | $8505 | $3,400 (surgery) |
Elbow Dysplasia | $1,500 – $4,000 (per elbow)6 | $3,300 |
Hip Dysplasia | $3,500 – $10,000 (per hip)7 | $9,850 |
Heart Disease | $1,100 – $2,5005 | $4,250 |
Gastric Dilatation and Volvulus (GDV) | $2,000 – $7,5008 | $9,075 |
*Based on internal MetLife Pet data from June 2023 – December 2023. Vet costs can vary.
Depending on your plan, after meeting your deductible, you can be reimbursed according to your reimbursement rate (up to your plan’s annual limit).4 This can lead to significant savings.
Real savings for Labrador retrievers
Here are some real-world examples where MetLife Pet Insurance helped Lab parents cover costs for treating common issues:9
- Dalia, a Lab puppy from Florida, needed surgery to treat panosteitis. The bill came to $4,600, and MetLife Pet reimbursed her parents for $4,150.
- Sassy, a young Labrador retriever from North Carolina, accidentally swallowed a chicken bone. Emergency surgery cost $3,150, and we reimbursed her parents for $2,600.
Your Labrador retriever deserves great care. MetLife Pet can help.
See the Potential Savings for Labrador Retrievers With MetLife Pet Insurance10
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Skin Allergies
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Eye Conditions
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Heart Disease
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Ear Infection
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Hip Dysplasia
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Bloat
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Foreign Body Removal Surgery
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Cruciate Ligament Tear
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Vaccination
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Dental Cleaning
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Spay or Neuter
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Parasite Prevention (6-month supply)
Labrador Retriever Pet Insurance FAQs
Yes, Labrador retrievers are eligible for MetLife Pet Insurance. You can customize your policy by selecting your preferred reimbursement rate and annual coverage limit, as well as electing our Preventive Care add-on coverage.
Yes, senior Labrador retrievers can be enrolled in MetLife Pet Insurance. But your dog’s age is a factor that will influence policy cost, along with where you live, the reimbursement rate you choose, and the annual limit.
It’s best to enroll your Labrador retriever as early as possible. That’s because pre-existing conditions aren’t covered, and getting coverage before your Lab develops symptoms can be the difference in whether you’re eligible to be reimbursed for treatment.
When comparing pet insurance plans, look at factors like coverage, deductibles, reimbursement rates, annual limits, and policies regarding pre-existing conditions. If routine or wellness care is important to you, check whether optional coverage add-ons are available. Customer reviews and claims experiences can also help you choose a plan that fits your needs.
Yes, MetLife Pet Insurance may be able to help you with eligible costs associated with centronuclear myopathy (CNM), including surgery and related veterinary care.
