Protect your Labrador with dog insurance through Asda Money.
Labradors are one of the UK's most beloved dog breeds, known for their friendly nature, intelligence and loyal companionship. But like any breed, they come with their own set of health risks and considerations that are important to be aware of. Having the right pet insurance in place can help protect your furry friend from any unexpected vet bills.
Hip and Elbow Dysplasia
This occurs when the hip or elbow joints don't develop properly, leading to discomfort, pain, and eventually arthritis. This condition is often hereditary, but factors like weight, diet and activity levels can influence its severity.
Gastric Torsion (Bloat)
Labradors, with their deep chests, are more prone to gastric torsion, also known as bloat. This is a serious condition where the stomach twists, trapping gas and food. The twisted stomach can cut off blood flow and cause tissue death, which can be fatal if not treated immediately.
Epilepsy
Labradors are also susceptible to epilepsy, a neurological disorder that can cause seizures. This condition can develop as early as six months of age.
Obesity
Labradors are known for their love of food, making them susceptible to obesity. Overweight dogs are more likely to develop other conditions like diabetes, arthritis and heart disease.
Cataracts
Cataracts cloud the eye lens, leading to vision impairment and even blindness. Surgery is often required to treat this condition, which can be expensive.
Ear Infections
Labradors have floppy ears, which can trap moisture and lead to ear infections. Regular ear cleaning and attention to ear health can help prevent these infections, but in some cases, treatment may be required.
Cancer
Labradors, like many other breeds, are prone to certain types of cancer, including lymphoma. Early detection and treatment are key to managing cancer in dogs.
Progressive Retinal Atrophy
PRA is an inherited condition that leads to gradual vision loss in Labradors. While there is no cure, early diagnosis can help manage the condition and support the dog’s overall quality of life.
At Asda, we offer two types of pet insurance: Lifetime and Time Limited.
Here’s a breakdown of each option:
Lifetime pet insurance provides lifelong cover for health conditions You can claim up to £10,000 per year for veterinary fees, which ensures that your Labrador is covered for any unforeseen medical expenses.
Choose between £2,000 or £5,000 cover for each new illness or injury. Cover is for either 12 months from the first treatment date, or up to a limit you choose.
Got more paws around the house than you can shake a stick at? Save 10% with our multi-pet discount*.
| Lifetime £2,000 | Lifetime £4,000 | Lifetime £6,000 |
|---|---|---|
| Veterinary Fee Cover | ||
| £2,000 per year | £4,000 per year | £6,000 per year |
| Dental treatment | ||
| Illness - No. Accident - Yes | Illness - No. Accident - Yes | Illness - Yes. Accident - Yes |
| (as part of Veterinary Fee Cover) | ||
| Complementary Treatment | ||
| £1,000 | £1,500 | £1,500 |
| (as part of Veterinary Fee Cover) | ||
| Cruciate ligament treatment | ||
| £1,250 per year | £1,250 per year | £1,500 per year |
| (as part of Veterinary Fee Cover) | ||
| CT/MRI scans | ||
| £1,250 | £1,500 | £1,500 |
| (as part of Veterinary Fee Cover) | ||
| Specialist Diet | ||
| £200 | £250 | £250 |
| (as part of Veterinary Fee Cover) | ||
| Behaviour Treatment | ||
| £1,000 | £1,000 | £1,000 |
| (Covered as a result of an accident only and as part of a Veterinary Fee Cover) | ||
| Fixed Excess | ||
| £100 - £250 as chosen by you | £100 - £250 as chosen by you | £100 - £250 as chosen by you |
| (Certain breeds have a specified minimum excess of £200) | ||
| Co-Insurance Excess | ||
| 10% for Labradors aged 5 years and over | 10% for Labradors aged 5 years and over | 10% for Labradors aged 5 years and over |
| (Payable in addition to the Fixed Excess) | ||
| Death from illness | ||
| £1,500 | £2,000 | £2,000 |
| (Only available for Labradors less than 7 years of age) | ||
| Death From Accident | ||
| £1,500 | £2,000 | £2,000 |
| (No age limit) | ||
| Cremation/Burial | ||
| £100 | £100 | £100 |
| (only available for Labradors less than 7 years of age) | ||
| Third Party Liability | ||
| £1,000,000 | £1,000,000 | £1,000,000 |
| (for dogs only - £250 excess per claim) | ||
| Advertising and Reward | ||
| £750 | £1,000 | £1,000 |
| Loss of Pet - Theft or Straying | ||
| £1,500 | £2,000 | £2,000 |
| Emergency Boarding Kennel/Cattery Fees | ||
| £1,500 | £2,000 | £2,000 |
| Emergency Holiday Cancellation | ||
| £1,500 | £2,000 | £2,000 |
| Overseas Travel Cover | ||
| 364 days | 364 days | 364 days |
| Unexpected Quarantine Expenses | ||
| £1,000 | £1,500 | £1,500 |
| Lifetime £8,000 | Lifetime £10,000 |
|---|---|
| Veterinary Fee Cover | |
| £8,000 per year | £10,000 per year |
| Dental treatment | |
| Illness - Yes. Accident - Yes | Illness - Yes. Accident - Yes |
| (as part of Veterinary Fee Cover) | |
| Complementary Treatment | |
| £1,500 | £1,500 |
| (as part of Veterinary Fee Cover) | |
| Cruciate ligament treatment | |
| £1,500 per year | £1,500 per year |
| (as part of Veterinary Fee Cover) | |
| CT/MRI scans | |
| £1,500 | £1,500 |
| (as part of Veterinary Fee Cover) | |
| Specialist Diet | |
| £250 | £250 |
| (as part of Veterinary Fee Cover) | |
| Behaviour Treatment | |
| £1,500 | £1,500 |
| (Covered as a result of an accident only and as part of a Veterinary Fee Cover) | |
| Fixed Excess | |
| £100 - £250 as chosen by you, or advised | £100 - £250 as chosen by you, or advised |
| (Certain breeds have a specified minimum excess of £200) | |
| Co-Insurance Excess | |
| 10% for Labradors aged 5 years and over | 10% for Labradors aged 5 years and over |
| (Payable in addition to the Fixed Excess) | |
| Death from illness | |
| £2,000 | £2,000 |
| (Only available for Labradors less than 7 years of age) | |
| Death From Accident | |
| £2,000 | £2,000 |
| (No age limit) | |
| Cremation/Burial | |
| £100 | £100 |
| (only available for pets less than 7 years of age) | |
| Third Party Liability | |
| £1,000,000 | £1,000,000 |
| (for dogs only - £250 excess per claim) | |
| Advertising and Reward | |
| £1,000 | £1,000 |
| Loss of Pet - Theft or Straying | |
| £2,000 | £2,000 |
| Emergency Boarding Kennel/Cattery Fees | |
| £2,000 | £2,000 |
| Emergency Holiday Cancellation | |
| £2,000 | £2,000 |
| Overseas Travel Cover | |
| 364 days | 364 days |
| Unexpected Quarantine Expenses | |
| £1,500 | £1,500 |
While pet insurance covers a wide range of health conditions and treatments, there are some things that typically are not covered, such as:
To ensure your Labrador is covered for everything you need, it’s crucial to read the terms and conditions of your policy carefully and check what’s included in the plan.
The cost of Labrador insurance varies depending on several factors, including their age, overall health, and the level of cover you choose. Other influences include where you live, the amount of excess you select, and whether your Labrador has any pre-existing conditions.
Through Asda Money, you can compare cover levels to find a policy that's right for you.
| Key Facts Summary |
|---|
| Size: |
| Male: 54-57cm, Female: 54-57cm |
| Weight: |
| Male: 25-35kg, Female: 25-35kg |
| Temperament: |
| Friendly and Sociable |
| Lifespan: |
| 10-12 Years |
| Colours: |
| Yellow, Chocolate, Black, Light Cream, Fox Red |
| Grooming: |
| Once a week |
| Breed Group: |
| Gundog |
| Exercise: |
| 60 – 90 minutes a day |
| Average Cost: |
| £1117 |
Labradors are known for their energetic, loyal nature and make great companions for active households. Before deciding, consider your ability to meet their exercise needs and any associated care costs.
Keeping your Labrador healthy isn’t just about having insurance; it’s about giving them a good, active lifestyle. Here are some top tips to help you take care of your Labrador:
A balanced diet with high-quality protein is essential for this breed. Look for dog food with real meat as the first ingredient and avoid fillers like soy.
If you’re unsure, ask your vet for specific dietary needs based on your Labrador’s age, health and exercise level.
Labradors are active dogs that need plenty of exercise. Aim for at least an hour of exercise per day, including walks, playtime and mental stimulation.
Socialising your Labrador from a young age is important for their development. Take them to parks, classes and other dog-friendly spaces to interact with people and other dogs.
Regular vet check-ups are essential for keeping your Labrador healthy. Aim for at least one annual visit, with more frequent visits as they age or if they have specific health concerns.
Brushing your Labrador’s teeth regularly can help prevent dental issues. Dental chews and professional cleanings can also help maintain oral hygiene and prevent problems like gum disease.
Lifetime cover provides ongoing protection for your dog’s health throughout their life, offering peace of mind in the event of an illness or long-term health condition. Time-limited cover on the other hand, offers a fixed amount for each condition, typically within 12 months, which could be suitable for more temporary or less complex health issues.
The cost of Labrador insurance can vary based on factors like your dog's age, health, and where you live. Premiums are typically higher for older dogs or those with existing health conditions.
Yes, with Asda Money, there's no upper age limit for coverage, so you can get Lifetime or Time Limited insurance for your older Labrador.
Labrador insurance can help ensure your furry friend receives the necessary care for health conditions, accidents, and surgeries without you having to worry about costly vet bills.
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You can choose your policy cover as well as your excess terms, so you can get the cover your pet needs at a price that suits you
An insurance offer that suits you and your individual circumstances
Asda Pet Insurance is arranged and administered by Insurance Factory Limited. Insurance Factory Limited is authorised and regulated by the Financial Conduct Authority. (No. 306164). Registered in England and Wales Number 02982445. Registered Office: Markerstudy House, 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. You can check this by visiting the Financial Services Register at https://www.fca.org.uk/register
