Labrador Retriever Pet Insurance

Labrador Retrievers are the most popular breed in the US – and have retrieved that title for more than 25 years in a row. Protect your pack-leading Labrador with a nose-to-tail pet insurance plan designed by real pet parents.


Labrador Retriever Fun Facts

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Where Did the Labrador Retriever Originate?

Labrador Retrievers originated in Newfoundland, Canada. They’re descendants from a breed called the St. John’s Water Dog, which is now considered to be extinct.

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What Are Labrador Retrievers Bred For?

In addition to being great companions, Labrador Retrievers are bred to help – to being blue-ribbon therapy dogs and search and rescuers to assisting hunters and so much more.

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How Big Do Labrador Retrievers Get?

Labrador Retrievers have lots of love to give – and ample body to house in it. Male Labs can get to 22.5-24.5 inches tall at the shoulder and females are usually between 21.5-23.5 inches tall.

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How Much Do Labrador Retrievers Weigh?

A healthy male Lab should weigh 65-80 pounds while females should be 55-70 pounds. But beware, Labrador Retrievers are prone to obesity, so be sure to hold your ground when those sad eyes beg for more.

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How Long Do Labrador Retrievers Live?

Labrador Retrievers can live to be 10-12 years old – and the best part is that they keep their spunk for many, many years.

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How Energetic Are Labrador Retrievers?

The word “energy” is practically interchangeable with “Labrador Retriever” because these big fur babies are full of it! They’re known for being rambunctious and playful and need lots of exercise to keep on their best behavior.

Full Report on the Labrador Retriever’s Temperament and Personality


The Lab is known for being one of the kindest, most even-tempered breeds out there. They’re incredibly loyal and intelligent, making them an awesome choice for families – especially since they’re typically great around kids of all ages. Although, many Labrador Retrievers are too smart for their own good, so lots of training is needed to keep these medium-large dogs under control.

They are also very affectionate and intuitive pets.
Tell your Lab all your secrets and they’ll keep them nice and safe while snuggling you hard enough to carry all of your worries away. Because they’re trusting and friendly, they’re a great breed to take to parks and other public places.

Labrador Retrievers can be high maintenance at times. If they don’t get enough exercise or attention, they can be very destructive, which explains why some consider them to be naughty dogs. Interactive feeders and lots of toys can help with that. Labs are also heavy shedders, so invest in a good vacuum cleaner and hairbrush.

Why Get Pet Insurance for Your Labrador Retriever? 

As a pure breed dog, Labrador Retrievers are at a higher risk for certain health and genetic conditions. Hip dysplasia and cancer are two of the most common issues to burden this breed. 

Labrador Retrievers are more susceptible than other breeds to have issues with their hips, elbows, and patellas (knees). Whether they are born with the disorders or they are caused by an injury or illness, these conditions are usually treated with alternative therapiesongoing medications, and surgery; all covered under our dog insurance plan.   

While no veterinarians can pinpoint why, Labrador Retrievers are more prone to cancer than many other breeds. Keeping them on a high-quality diet, getting lots of exercise, and maintaining their routine checkups can help in prevention and early detection.  

Active and adventure-seeking, Labrador Retrievers don’t always know when to stop, which can lead to accidents like injuries, exercise-induced collapses, or heatstroke. 

Willow the Lab

Unexpected Heatstroke in Hiking Hound

Labrador Retriever, Willow, was enjoying a hike with her parents when she slowed down and refused water. She was rushed to the emergency vet where her parents knew Embrace would have her back.  

Vet Bill: $2,648 
Embrace Reimbursed: $1,838  

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Risk Factors and Costs for Common Labrador Retriever Health Issues 

From cardiomyopathy to cataracts, here are some common Labrador Retriever health issues. Information based on Embrace claims data. 

Condition Risk Profile Cost to Diagnose and Treat
Cancer High $3,000-$8,000
Hip Dysplasia
Medium $1,500-$3,000
Osteochondrosis of the Ankle/Knee
High $2,000-$4,000
Entropion High $300-$1,500
Exercise Induced Collapse
High $500-$1,000
Osteochondrosis of the Elbow High $2,000-$4,000
Cardiomyopathy High $500-$1,500
Elbow Dysplasia Medium $1,500-$4,000
Patellar Luxation High $1,500-$3,000
Portosystemic Shunts Medium $2,000-$6,000
Cataracts High $1,500-$5,000

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Great company, great people, and a warm embrace as opposed to a cold shoulder!

Davis H.  |  
Boosted, Busted, Happy, Mutant, and Puffy’s Pet Parent

Average Cost to Insure Your Labrador Retriever 

For comprehensive accident and illness coverage, the majority of our Labrador Retriever pet parents pay between $39 and $86 per month.* 

Pet insurance may cost more or less depending on where you live, your dog’s age, and what policy parameters you choose. 

Policies for Labrador Retrievers can cost more than those for mixed breed dogs because Labs are much more likely than mixed breed dogs to make claims for hereditary conditions that are expensive to treat. 

How Does Pet Insurance Work?

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Visit Any Vet

With no networks, you can take your pet to any licensed neighborhood or specialty vet, emergency room, or rehabilitation facility.

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Submit Your Claim

File a claim 24/7 through your personal MyEmbrace customer account in mere minutes with just your pet’s diagnosis and an itemized invoice from your vet.

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We Get to Work!

We'll keep you informed on your claim's status every step of the way. Plus, we offer direct deposit so you can get your reimbursement even quicker.

Peaches the Lab

No Illness Could Keep Peaches from Her Sports

Competitive athlete Peaches had some iffy bloodwork that sent her pet parents running to the vet. But Embrace helped this girl get back to her games. 

Vet Bill: $7,277
Embrace Reimbursed: $5,175 

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Mind if we pay your vet bills?
*Insurance cost based on a 3-year-old male Labrador Retriever with a $10,000 annual maximum, $500 annual deductible, and 80% reimbursement rate. 

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.