AKC is the best pet insurance provider for Labrador Retrievers due to its strong customer satisfaction, comprehensive coverage options and competitive rates. Other top-rated options are Rainwalk, Lemonade and Pets Best.
Labrador Retriever Insurance
Updated: October 14, 2026
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Key Takeaways
AKC is the best pet insurance company for Labrador Retrievers, delivering strong coverage and service quality.
Lemonade offers the cheapest pet insurance rates for Labrador Retrievers, with average rates of around $41 monthly for standard protection.
Pet insurance costs $118 per month for Labrador Retrievers, making them the 65th most expensive dog breed to insure.
Best Labrador Retriever Pet Insurance Companies
*Pet insurance coverage varies by state and provider. Rates shown are estimates; actual costs vary based on your pet's age, health and location. Coverage exclusions and waiting periods apply. Consult individual providers for specific terms.
Discover the best pet insurance options for your Labrador Retriever across different situations:
AKC
Best for Labrador Retrievers
MoneyGeek Rating
4.3/ 5
3.9/5Affordability
4.4/5Customer Experience
5/5Coverage Points
Average Monthly Rate
$59Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Labrador Retriever Pet Insurance by State
AKC leads pet insurance for Labrador Retrievers in 49 states nationwide. Rainwalk holds the top spot in 6 states, ranking best in Illinois, Michigan and Virginia.
| Alabama | AKC | 4.25 |
| Alabama | Rainwalk | 4.25 |
| Alaska | AKC | 4.25 |
| Arizona | AKC | 4.25 |
| Arkansas | AKC | 4.35 |
| California | AKC | 4.3 |
| Colorado | AKC | 4.3 |
| Connecticut | AKC | 4.3 |
| Delaware | AKC | 4.25 |
| Florida | AKC | 4.3 |
| Georgia | AKC | 4.25 |
| Hawaii | AKC | 4.25 |
| Idaho | AKC | 4.25 |
| Illinois | AKC | 4.25 |
| Illinois | Rainwalk | 4.25 |
| Indiana | AKC | 4.3 |
| Iowa | AKC | 4.25 |
| Kansas | AKC | 4.25 |
| Kansas | Rainwalk | 4.25 |
| Kentucky | AKC | 4.35 |
| Louisiana | AKC | 4.25 |
| Maine | AKC | 4.25 |
| Maryland | AKC | 4.2 |
| Massachusetts | AKC | 4.25 |
| Michigan | Rainwalk | 4.2 |
| Minnesota | AKC | 4.25 |
| Mississippi | AKC | 4.3 |
| Missouri | AKC | 4.25 |
| Montana | AKC | 4.3 |
| Nebraska | AKC | 4.25 |
| Nevada | AKC | 4.25 |
| New Hampshire | AKC | 4.25 |
| New Jersey | AKC | 4.25 |
| New Mexico | AKC | 4.35 |
| New York | AKC | 4.3 |
| North Carolina | AKC | 4.25 |
| North Dakota | AKC | 4.35 |
| Ohio | AKC | 4.25 |
| Oklahoma | AKC | 4.35 |
| Oregon | AKC | 4.3 |
| Pennsylvania | AKC | 4.3 |
| Rhode Island | AKC | 4.3 |
| South Carolina | AKC | 4.3 |
| South Dakota | AKC | 4.35 |
| Tennessee | AKC | 4.25 |
| Texas | AKC | 4.3 |
| Utah | AKC | 4.2 |
| Utah | Rainwalk | 4.2 |
| Vermont | AKC | 4.3 |
| Virginia | Rainwalk | 4.2 |
| Virginia | AKC | 4.2 |
| Washington | AKC | 4.4 |
| West Virginia | AKC | 4.3 |
| Wisconsin | AKC | 4.2 |
| Wyoming | AKC | 4.3 |
*Rates are based on a 6-year-old Labrador Retriever with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Cheapest Labrador Retriever Pet Insurance Companies
Lemonade provides the most affordable pet insurance for Labrador Retrievers at $41 monthly or $487 annually. Our research shows other budget-friendly options include Pumpkin, ASPCA, Figo and Pets Best.
| Lemonade | $41 | $487 | 26% |
| Pumpkin | $46 | $548 | 17% |
| ASPCA | $48 | $580 | 12% |
| Figo | $52 | $624 | 5% |
| Pets Best | $53 | $643 | 2% |
*Rates are based on a 6-year-old Labrador Retriever with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Lemonade
Cheapest Pet Insurance for Labrador Retrievers
MoneyGeek Rating
4.2/ 5
4.4/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate
$41Overall Customer Sentiment
65% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
End-of-life and memorial coverage
Cheapest Labrador Retriever Pet Insurance by State
Lemonade has the lowest rates for Labrador Retrievers in 50 states. Monthly premiums range from $27 to $52 based on your location.
| Alabama | Lemonade | $30 | 30% |
| Alaska | Lemonade | $40 | 27% |
| Arizona | Lemonade | $49 | 24% |
| Arkansas | Lemonade | $27 | 29% |
| California | Lemonade | $51 | 21% |
| Colorado | Lemonade | $51 | 24% |
| Connecticut | Lemonade | $46 | 25% |
| Delaware | Lemonade | $41 | 27% |
| Florida | Lemonade | $46 | 25% |
| Georgia | Lemonade | $37 | 24% |
| Hawaii | Lemonade | $41 | 27% |
| Idaho | Lemonade | $41 | 25% |
| Illinois | Lemonade | $50 | 23% |
| Indiana | Lemonade | $37 | 24% |
| Iowa | Lemonade | $34 | 27% |
| Kansas | Lemonade | $37 | 26% |
| Kentucky | Lemonade | $32 | 30% |
| Louisiana | Lemonade | $33 | 28% |
| Maine | Lemonade | $49 | 26% |
| Maryland | Lemonade | $40 | 32% |
| Massachusetts | Lemonade | $52 | 24% |
| Michigan | Lemonade | $41 | 26% |
| Minnesota | Lemonade | $42 | 24% |
| Mississippi | Lemonade | $35 | 27% |
| Missouri | Lemonade | $32 | 27% |
| Montana | Lemonade | $34 | 27% |
| Nebraska | Lemonade | $37 | 26% |
| Nevada | Lemonade | $42 | 25% |
| New Hampshire | Lemonade | $47 | 24% |
| New Jersey | Lemonade | $46 | 24% |
| New Mexico | Lemonade | $36 | 27% |
| New York | Lemonade | $44 | 25% |
| North Carolina | Lemonade | $36 | 28% |
| North Dakota | Lemonade | $31 | 27% |
| Ohio | Lemonade | $37 | 28% |
| Oklahoma | Lemonade | $34 | 27% |
| Oregon | Lemonade | $50 | 24% |
| Pennsylvania | Lemonade | $42 | 26% |
| Rhode Island | Lemonade | $35 | 27% |
| South Carolina | Lemonade | $40 | 22% |
| South Dakota | Lemonade | $36 | 28% |
| Tennessee | Lemonade | $38 | 25% |
| Texas | Lemonade | $43 | 24% |
| Utah | Lemonade | $39 | 27% |
| Vermont | Lemonade | $38 | 27% |
| Virginia | Lemonade | $43 | 27% |
| Washington | Lemonade | $47 | 28% |
| West Virginia | Lemonade | $35 | 26% |
| Wisconsin | Lemonade | $44 | 27% |
| Wyoming | Lemonade | $38 | 25% |
*Rates are based on a 6-year-old Labrador Retriever with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
How Much Does Labrador Retriever Insurance Cost?
Monthly pet insurance premiums for Labrador Retrievers range from $80 to $153 across the U.S., ranking as the 65th most expensive breed to insure. Your actual cost depends on your location, coverage choices and pet's specific needs.
| Alabama | $89 | $1,066 | -25% |
| Alaska | $116 | $1,399 | -1% |
| Arizona | $141 | $1,689 | 19% |
| Arkansas | $80 | $958 | -32% |
| California | $146 | $1,756 | 24% |
| Colorado | $148 | $1,772 | 25% |
| Connecticut | $135 | $1,620 | 14% |
| Delaware | $119 | $1,435 | 1% |
| Florida | $134 | $1,610 | 14% |
| Georgia | $105 | $1,259 | -11% |
| Hawaii | $120 | $1,445 | 2% |
| Idaho | $118 | $1,412 | -0% |
| Illinois | $144 | $1,734 | 23% |
| Indiana | $106 | $1,278 | -10% |
| Iowa | $98 | $1,173 | -17% |
| Kansas | $107 | $1,287 | -9% |
| Kentucky | $94 | $1,132 | -20% |
| Louisiana | $95 | $1,144 | -19% |
| Maine | $142 | $1,711 | 21% |
| Maryland | $123 | $1,473 | 4% |
| Massachusetts | $153 | $1,834 | 30% |
| Michigan | $119 | $1,424 | 1% |
| Minnesota | $121 | $1,451 | 3% |
| Mississippi | $102 | $1,220 | -14% |
| Missouri | $93 | $1,121 | -21% |
| Montana | $100 | $1,202 | -15% |
| Nebraska | $106 | $1,270 | -10% |
| Nevada | $120 | $1,444 | 2% |
| New Hampshire | $136 | $1,628 | 15% |
| New Jersey | $132 | $1,586 | 12% |
| New Mexico | $104 | $1,246 | -12% |
| New York | $129 | $1,547 | 9% |
| North Carolina | $107 | $1,280 | -9% |
| North Dakota | $91 | $1,094 | -23% |
| Ohio | $110 | $1,317 | -7% |
| Oklahoma | $99 | $1,185 | -16% |
| Oregon | $146 | $1,758 | 24% |
| Pennsylvania | $124 | $1,486 | 5% |
| Rhode Island | $104 | $1,250 | -12% |
| South Carolina | $116 | $1,391 | -2% |
| South Dakota | $106 | $1,268 | -10% |
| Tennessee | $109 | $1,304 | -8% |
| Texas | $122 | $1,461 | 3% |
| Utah | $114 | $1,371 | -3% |
| Vermont | $110 | $1,319 | -7% |
| Virginia | $129 | $1,544 | 9% |
| Washington | $136 | $1,637 | 16% |
| West Virginia | $101 | $1,217 | -14% |
| Wisconsin | $127 | $1,526 | 8% |
| Wyoming | $108 | $1,304 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Labrador Retriever. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Labrador Retriever Insurance Costs?
Labrador Retrievers rank 65th for pet insurance costs, with average premiums of $118 a month. Breed-specific health risks push those rates up, but you can keep your Lab's insurance costs down and still get good coverage.
Health PredispositionsPotential Vet Costs: $2,500 to $15,000
Labrador Retrievers have breed-specific health problems that insurers treat as high risk. Hip dysplasia can need surgery that costs thousands. Labs are also prone to exercise-induced collapse, progressive retinal atrophy and elbow dysplasia. These genetic conditions raise lifetime vet costs and affect which coverage options you can get.
Size-Related FactorsPotential Vet Cost Increase: 30% to 50% higher vet costs
Labs weigh 55 to 80 pounds, so they need larger medication doses and more anesthesia during procedures. They also need special equipment and longer recovery after surgeries or injuries. Physical therapy and mobility aids like support slings add a lot to the cost of care.
Lifespan ConsiderationsAnnual Vet Costs By Age: $700 to $1,500 (Young) to $2,000 to $3,500 (Senior)
Labrador Retrievers live 10 to 12 years, which is fairly short compared with smaller breeds. Because they age faster, age-related conditions can show up earlier. In many cases, senior Labs need more medical care, including regular blood work, joint supplements and treatment for chronic conditions.
Behavioral and Activity RisksPotential Vet Costs: $1,500 to $8,000
Labs are energetic, so they're more likely to have sports injuries like cruciate ligament tears and muscle strains. Their high activity level and enthusiastic play can lead to accidents. These risks affect both the medical coverage you need and liability considerations.
Breeding-Related IssuesPotential Vet Costs: $3,000 to $12,000
As demand for Labs has grown, some breeding practices have skipped genetic health testing. That's led to more inherited conditions like exercise-induced collapse and eye problems. A puppy from health-tested parents is less likely to need costly care later, and it may have better insurance options.
Labradors share common health traits, but your dog's own health profile matters most when you're getting pet insurance. Think about your budget and your pet's medical needs to choose the right deductibles, annual limits and reimbursement rates. Your vet can help you spot potential health risks for your Lab.
INSURANCE RISK PREVENTION
Protect your Labrador Retriever's health by keeping a healthy weight through portion control and daily exercise. Pick a breeder who screens for genetic conditions like hip dysplasia. Schedule regular vet checkups to catch issues early.
Pet insurance averages $55 monthly, so you can manage care costs. Daily walks help prevent joint problems and support overall wellness.
How to Get the Best Cheap Labrador Retriever Pet Insurance
Follow these steps to find affordable Labrador Retriever insurance.
- 1Check Your Coverage Options
Health risks like hip problems affect how much pet insurance you need for a Lab. Look at your coverage options to decide whether accident-only or comprehensive coverage fits your needs and budget.
- 2Compare Companies
Look up rates for Labradors from several pet insurers. Read customer reviews and check how fast each insurer processes claims.
- 3Review Policy Details
Check waiting periods and any breed-specific exclusions. Ask several insurers for sample policies to see which conditions qualify for reimbursement.
- 4Get Multiple Price Quotes
Get quotes from at least three insurers. For the same deductible, reimbursement rate and annual limit, prices can differ by hundreds of dollars. Look for discounts to lower your rate.
- 5Check Rates Yearly
Before you renew your policy each year, shop around for new quotes and review your coverage needs as your Lab gets older.
Labrador Retriever Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Labrador Retrievers. Lemonade has the lowest monthly premiums. Both companies earn high marks for customer experience. AKC leads in coverage quality. Compare these insurers and other trusted providers to find coverage for your Lab's health needs and budget. The right policy gets your dog quality care when health issues come up.
Learn more about the best pet insurance providers for your Labrador Retriever:
Pet Insurance for Labrador Retriever: FAQ
We answer common questions about Labrador Retriever insurance:
AKC has the best insurance coverage for Labrador Retrievers with comprehensive protection and exceptional customer service. Premiums run higher than average but the extensive coverage and reliable claims process are worth it.
Lemonade has the most affordable pet insurance for Labrador Retrievers with monthly premiums starting at $41 for standard coverage. Rates vary based on your location, pet's age and coverage needs.
Labrador Retrievers rank as the 65th most expensive breed to insure with average monthly premiums of $118. Monthly insurance costs vary by location and range from $80 to $153.
Labrador Retrievers commonly face hip and elbow dysplasia (causes joint pain and limited mobility), exercise-induced collapse (affects muscle coordination during activity) and progressive retinal atrophy (leads to vision loss). These health risks come from the breed's genetic makeup and large-framed structure.
How We Found the Best and Cheapest Labrador Retriever Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Labrador Retrievers. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Labrador Retrievers.
How We Determined Costs
All provider costs in this article are based on this standard profile:
- 6-year-old Labrador Retriever
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs combine pricing for the breed across all coverage options and all insured ages within a reasonable life expectancy.
How We Rated Each Provider
We rated each insurer on three metrics, using online sources:
- Affordability (50% of score): How affordable each insurer is compared with competitors across all profiles and factor combinations. Discounts count for a small part of the rating, since they differ little between companies.
- Customer Experience (30% of score): A sentiment rating gathered from online sources that measures each company's share of positive, neutral and negative feedback. More positive sentiment earns a higher rating.
- Coverage (20% of score): We read every insurer's contract details in every state, including add-on options, inclusions, exclusions and restrictions. Pet insurance rules differ a lot by state, so your coverage options may depend on where you live.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work have been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes content for real pet owners.
Questions about MoneyGeek's business or pet insurance content? Reach him at connor@moneygeek.com or on LinkedIn.