Three steps, no networks
Reimbursement Rate
Go to any vet
Visit any licensed vet, specialist, or ER in the US or Canada for care.
Reimbursement Rate
Submit a claim
Enter your visit details and upload a photo of your paid invoice.
Reimbursement Rate
Get paid fast
Up to 90% of eligible costs. With PumpkinNow™, you can get paid before you pay the vet.²
It's simpler than most people expect. See how pet insurance works
Reimbursement Rate
Early years:
Labs are natural water dogs that need an outlet for their energy from puppyhood.
Reimbursement Rate
Prime years:
Hip and elbow dysplasia, exercise-induced collapse, and ear infections are common in adulthood.
Reimbursement Rate
Later years:
Obesity and joint issues become bigger concerns with age – frequent, shorter walks and quality food help manage both.
Why it's smart to get pet insurance for your Labrador
Labradors live around 11 to 13 years, and certain health concerns can emerge as they grow and age. Here’s roughly when:
Common health issues, and what they cost for a Labrador
Atopic Dermatitis
An allergic skin condition triggered by environmental allergens that causes chronic itching and inflammation.
$224
Cost to treat³
Your share
*Illustrative. Reimbursement shown at 90% after your deductible. Actual costs and payouts vary by treatment, plan and location.
$201
Pumpkin pays back⁴
Pumpkin's share • up to 90%
A healthy Labrador is a happy Labrador.
Labs are high-energy, food-motivated dogs that need daily exercise and don't do well cooped up in small apartments. Their weather-resistant coat sheds but needs minimal grooming. They're easy to train and eager to please, which makes them popular service and therapy dogs – but they can develop separation anxiety, so building independence early helps.
At a glance
Labrador
What it costs to insure the average Labrador
From
$80+
/mo⁵
It depends on their age, your zip code, and the plan itself. Choose what’s best for them – and your budget.
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Annual limit – the most your plan pays out each year
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Annual deductible – amount paid by you each year before reimbursements kick in
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Reimbursement rate – what you'll get paid back for covered vet bills – choose 80% or 90%
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Multi-pet discount – get up to 10% off a plan for each additional pet you enroll⁶
An additional $2 transaction fee applies to each monthly payment. Choose annual billing at checkout and save $24 a year.
Accidents & illnesses
Diagnostics, exams, surgery, hospitalization, and Rx meds for any new injury or illness.
Advanced care & alternative therapies
Specialist care, advanced procedures, and therapies like acupuncture, hydrotherapy, and rehab.
Hereditary & congenital conditions
The breed-specific conditions many insurers exclude (or charge extra for) come standard.
What’s covered
Count on premium coverage with no upper age limit – at any licensed vet in the US or Canada.
Pre-existing conditions aren't covered, so it pays to enroll your Lab young.
Pumpkin is the #1 rated dog insurance on Google.¹
Does Pumpkin cover hip dysplasia or ear infections?
Yes, as long as they aren't pre-existing before your coverage starts.
How much exercise does a Labrador need?
A lot – an hour or more a day. Swimming and fetch are breed favorites.
Do Labradors need a lot of grooming?
Minimal – their short coat sheds but needs just weekly brushing.
Do Labradors bark a lot?
Labs can be vocal, especially if under-exercised or bored.
Are Labradors good with kids?
Yes – Labs are famously friendly and patient, making them one of the most popular family dog breeds.
Are Labradors hypoallergenic?
No. Labs shed consistently and produce standard pet allergens.
FAQs
