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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Place of Origin:

Newfoundland, Canada

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Bred for:

Sporting & Companionship


Height from Shoulder:

22.5-24.5 inches tall (Male), 21.5-23.5 inches (Female)



65-80 pounds (Male)

55-70 pounds (Female)

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10-12 years old


Energy Level:


Labrador Retriever

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. 

Risk Factors and Costs for Common Labrador Retriever Health Issues 


Bodhi the Labrador Retriever sure did pick the wrong snacks!

When your pup's diet consists of electrical cords and kids toys, trust Embrace Pet Insurance to help cover the surgery.

Check out how Embrace helped Jeremy cover Bodhi's multiple emergency visits.

Vet Bill: $1,190.00 Embrace Reimbursed: $937.60

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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

Estimates based on claims paid by Embrace Pet Insurance.

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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 Our Dog 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.


Dockdiving Labrador Retriever has Shoulder Surgery

When Kiara the canine athlete experiences soreness after Dockdiving, her mom Sheri took her to a specialty veterinarian to have her diagnosed and treated for Biceps Tendinopathy.

Check out how Embrace was able to help Sheri cover Kiara's specialty surgical procedure and treatment.

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*Insurance cost based on a 3-year-old male Labrador Retriever with a $10,000 annual maximum, $500 annual deductible, and 80% reimbursement rate.