Labrador Pet Insurance with Flexible Cover

  • Award-winning+ Dog and Puppy Insurance with Optional Benefits
  • Pet care resources customised for vets and pet owners
  • Partnered with the biggest breeder associations in Australia
Get a 2 minute Quote

Promo applied!

T&C apply

First 2 Months Free

or

Schedule a Call

Promo applied!

T&C apply

First 2 Months Free

Rated 4.7 on ProductReview and
4.6 on Google Reviews as of July 2025

  • Very simple with super fast claim reimbursements which is what we love.

    Lisa C. – South East Queensland, QLD.
    Source: ProductReview.com.au
Dog enjoys a walk in nature. Cute labrador retriever sitting in a field of golden wheat.
Dog in heat summer day. Labrador retriever walking on path in wheat field.

Outstanding Value

Winner 5 Years Straight!

About Labrador Retrievers

The ever-popular Labrador Retriever is an outgoing, gentle and intelligent breed that has become one of Australia’s favourite family dogs. 

They were originally developed from the St. John’s dog in Newfoundland to help fishermen retrieve nets and fish.

Labradors were later imported to Australia where they quickly earned a reputation as exceptionally well-behaved working and companion dogs.

In modern Australia, they thrive in active homes that can provide plenty of exercise such as beach swims, park fetch and bush walks, and they are widely used as assistance, therapy, search‑and‑rescue and detection dogs. 

Their short, dense double coat sheds year‑round, particularly seasonally—so regular brushing is recommended in Australian households where they live closely with the family.

💡FUN FACT! Labradors were originally bred to retrieve fishing nets and ropes in icy Canadian waters—hence their love for swimming!

We partnered with some of the biggest breeder associations in Australia

Our breeder partners help us educate pet owners about dogs and cats.

Read more

Labrador Retriever Quick Facts

A quick glance at the essential facts for the Labrador Retrievers, one of Australia’s smartest companions.

  • Weight: 22 – 36 kilograms
  • Height: 53 – 60 cm at the shoulder
  • Coat Type: Short, dense, wiry double coat
  • Colour: Yellow, chocolate, black
  • Dog Group: Gundog / working retriever type
  • Temperament: Outgoing, gentle, kind, hardworking
  • Size: Medium – large
  • Other Names: Labs, Labradors
  • Price Range: ≈ $3,500 – $5,000 ⓘ
  • Life Expectancy: 10-12 years

Living with Labrador Retrievers

Being a Labrador Retriever pet owner can be very rewarding. Here’s a quick look at their needs.

Temperament & Social Needs

  • Labs are outgoing, gentle and kind dogs that are perfect for Australian households.
  • Labradors are generally calm and affectionate, but their sociable nature means they do best in homes where they are not left alone for long periods each day.

Exercise & Grooming

  • They have high energy levels for exercise which means they need 30–60 minutes of moderate to intense daily activity, such as beach swims, park fetch or bush walks..
  • Their short, wiry double coat is low maintenance but sheds year‑round, so brushing a couple of times a week helps manage fur and dander in Aussie homes.

Health Insights

  • Labradors are prone to hip dysplasia and obesity, so Australian owners are encouraged to manage their diet carefully and keep up regular vet checks to protect joints and overall health.
  • Their strong appetite means overfeeding is a real risk; the need for portion control and appropriate nutrition is essential to prevent weight‑related issues.

Essential preventative measures to keep your Labrador Retrievers happy

As responsible pet owners, always ensure to give your pets the best care possible.

Regular veterinary
check-ups

Diet and weight management

Tennis dog training balls graphic

Regular exercise and training

Dental care

Speech bubble graphic

Mental stimulation and socialisation

Take the next step in pet care

Get affordable routine care for your furry friend today.

Choose your Pet Care Plan

Common health problems in Labrador Retrievers

Knose covers the following potential health problems in Labrador Retrievers:

Typically up to $15,000 per leg
Hip dysplasia is a common orthopaedic condition in Labrador Retrievers, where the hip joint doesn’t fit together properly, leading to joint instability, pain, and over time, arthritis. It can be hereditary but may also be influenced by rapid growth, excessive weight, or high-impact exercise in puppies.

  • Covered by Knose

Typically up to $10,000 per leg
Cruciate ligament rupture is a frequent orthopaedic issue in Labrador Retrievers due to their active nature and solid build. The condition affects the knee joint, causing pain, limping, and reduced mobility. Labs are particularly prone to this injury from activities involving sudden turns or high-impact movements.

  • Covered by Knose

Typically up to $10,000 per leg
Elbow dysplasia is a common developmental joint condition in Labrador Retrievers, often also due to their rapid growth and genetic predisposition. It involves abnormal development of the elbow joint, leading to pain, lameness, and arthritis over time. Treatment ranges from weight management and physiotherapy to surgical intervention, depending on severity. 

  • Covered by Knose

Typically up to $1,500 per treatment
Labrador Retrievers love swimming, but their floppy ears can trap moisture and lead to ear infections. Signs of an ear infection include head shaking, scratching, redness, odour, or discharge. Regular ear cleaning and drying after swimming or bathing can help prevent infections, but prompt vet treatment is essential to relieve pain and avoid chronic problems.

  • Covered by Knose

Typically up to $500 per treatment
Hot spots, or acute moist dermatitis, are a common skin issue in Labrador Retrievers. These irritated, inflamed patches can appear suddenly and cause intense itching, leading dogs to lick, chew, or scratch the area, which worsens the condition. Labradors’ thick coats can trap moisture, making them more prone to hot spots. This can usually be treated with cleaning the area, and using topical or oral medications to reduce inflammation and infection.

  • Covered by Knose
See our full cover

Frequently Asked Questions

In general, dog insurance is worth it because of the financial and emotional benefits of ensured care for your furry friends. It is worthwhile for Labradors due to their predisposition to joint issues, ear infections, and other chronic conditions, which can lead to significant veterinary expenses over their lifetime.

Routine veterinary visits are recommended at least once a year, or more frequently if your dog has any health concerns.

Core vaccinations include canine distemper, adenovirus (hepatitis), and parvovirus (C3), with additional protection for parainfluenza and Bordetella (kennel cough) often recommended.

Labradors don’t have unique dietary requirements, but they are prone to overeating and obesity, so it’s important to feed them a balanced, portion-controlled diet rich in protein and fibre to maintain a healthy weight.

Look for cover that includes hip and elbow dysplasia, which are common in Labradors and classified by Knose as “Specified Conditions” with a 6-month exclusion period. It’s also helpful to have a high annual limit and benefit percentage to manage potential ongoing treatment costs.

When purchasing a new dog insurance policy for your dog:

  • The minimum age for entry for a pet is 6 weeks old.
  • The maximum age for entry for a pet is 8 years and 364 days old.
  • The maximum age for including or adding optional benefits is 2 years and 364 days.

There are no age limits when renewing policies.

Pet insurance for Australia’s favourite dog breeds

Discover why so many pet parents insure these dog breeds with Knose.

Get a 2 minute Quote

Promo applied!

T&C apply

First 2 Months Free

or

Schedule a Call

Promo applied!

T&C apply

First 2 Months Free

Dog insurance claims made easy

With over 98,000 claims processed and $32 million paid since 2019, we’re proud to back Aussie pets when it matters most.

a miniature dachshund - Knose dog insurance cover

1 year-old Miniature Daschund

Lump removal surgery

Vet bill

$1,754

Claimed with Knose

$1,403

a golden retriever running in the park - knose dog insurance cover

3 year-old Golden Retriever

Cruciate Ligament rupture surgery

Vet bill

$4,838

Claimed with Knose

$4,264

a miniature poodle puppy sitting in the car - knose dog insurance claim

3 year-old Miniature Poodle

Atopy (Skin allergies)

Vet bill

$154

Claimed with Knose

$123

Photo of tamaruke dogs - knose dog insurance claims

4 year-old Tamaruke

Dental surgery for fractured tooth

Vet bill

$1,034

Claimed with Knose

$765

a white great dane dog - knose dog insurance claims

3 year-old Great Dane

Snake bite treatment

Vet bill

$4,203

Claimed with Knose

$3,783

See our easy claims process
Knose Pet Insurance Awards 2025

Protect your cat with award-winning cover†

With 20+ Excellence Awards†, we’re one of the most awarded pet insurance in Australia, helping you protect your pet with confidence.

No hidden surprises — just straightforward protection for your dog’s well-being

Coverage for unexpected injuries, emergencies, diagnosing and treatment of a wide range of health conditions – with no cap on sub-limits. ⓘ

Claim up to 90% of approved costs for care provided by a licensed veterinary professionals.

Include Optional Benefits (for eligible policies) – Dental Illnesses, Behavioural Conditions, and Specialised Therapies.

Get rates for your Labrador Retriever

Enjoy 2 months FREE when you sign-up today!

Trusted by Australian pet owners

Real testimonials from those who know best—the pet owners themselves.

Rated 4.7 on ProductReview and
4.6 on Google Reviews as of July 2025

“

10/10 personalised service!

In January, we brought a puppy (Bella) into our lives – she is beautiful! Recently she had a few gastro issues and subsequent vet visits. Knose Pet Insurance has been awesome. They acknowledged the claims immediately, and then followed up with personal emails advising us of the progress of our claims. We even received a message asking after Bella and a follow up to say how pleased they were that Bella is now doing well. Top class personalized service and a thorough explanation of the claim refunds. 10/10 guys!

Bella, insured with dog insurance from Knose Pet Insurance
“

Quick refund process

Submitted a claim for the first time after 12 months of insurance and everything went smoothly. I received regular updates of the progress of my claim and the refund process was quick once the team had received all the information from the vet.

“

Affordable pet insurance with easy claims!

Knose has been a great choice for pet insurance. The premiums are relatively affordable, claims are super easy to make by just uploading vet invoices, and the 24 hour phoneline that connects you with a vet nurse is a brilliant feature.

“

Amazing claims service

We searched for quite sometime for pet insurance for our toy poodle puppy and we’re so glad we found Knose’s Dog Insurance. They have been amazing. I really appreciate how you can call them with any query you might have and speak to someone in Australia who is clear and concise. Easy to put a claim through and you’re emailed throughout until your claim has been paid. Thank you to everyone for the great service.

“

I recommend Knose’s Cat Insurance to fellow pet owners!

The last thing you want to worry about when you have a sick pet is the cost. Knose Pet Insurance gives me peace of mind knowing that we can get the care we need for our beloved Cat and our claim will be handled with ease and in a timely manner! I recommend Knose to all my pet owning friends and family. Thank you Knose!

“

Fast and friendly customer service

You are very easy to engage with, you keep me up to date with my claim and I love the way you always enquire after Harry my dog. Thank you

“

I love being insured with Knose

I’ve been insured with Knose since our Cavooodle was 8 weeks old and they’re consistently reliable and so easy to communicate with. The claim process is super simple which is one of them any things I love about being insured with Knose.

Join the pack!

Follow Knose on social media

For media inquiries

Partner with us