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Independent UK guide · No commission

Pet insurance that fits your breed

Every breed has its own health risks. We show what your dog or cat is prone to, what treatment really costs, and the kind of cover that keeps paying when it matters.

Breed guideLabrador RetrieverConditions to know aboutHip dysplasiaMedian lifespan12.0 years in UK primary-care records (10.7 years for chocolate Labradors versus 12.1 for other colours)Cover to look forLifetime

Three questions to answer before you buy

  1. 1

    What is my breed prone to?

    The conditions that show up most in your breed, from UK veterinary research.

    Browse breeds
  2. 2

    What would treatment cost?

    Published UK costs for diagnosis, surgery and lifelong management.

    See conditions
  3. 3

    Will my policy keep paying?

    Why lifetime, maximum benefit and time-limited cover behave so differently.

    Insurance explained

Conditions library

Insurance explained

Why you can trust what you read here

  • Cited, not guessed

    Every health and cost claim links to its source: veterinary studies, Kennel Club data and insurers' own documents.

  • No commission

    We don't sell insurance or take payment from insurers, so nothing here is written to push a product.

  • Clear about review

    Pages say plainly whether a vet has reviewed them yet, and when they were last updated.

How we research
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