Flat-Coated Retriever vs Labrador Retriever
A detailed pet insurance comparison between these two popular breeds. See which one costs less to insure and has fewer health risks.
Flat-Coated Retriever
VS
Labrador Retriever
Side-by-Side Comparison
Flat-Coated Retriever
VS
Labrador Retriever
Winner large
Size
large
60--70 lbs
Weight
55--80 lbs
8--10 yrs
Lifespan
11--13 yrs
Better
8/10
Health Risk Score
6/10
Better
$35--$68
Monthly Insurance
$30--$60
Better
$1,300
Annual Claims
$1,000
Better
high
Exercise Needs
high
moderate
Grooming
moderate
high
Trainability
high
Yes
Good with Kids
Yes
No
Apartment Friendly
No
Overall Verdict
Labrador Retriever edges ahead with 4 wins vs 0.
VS
Size
large
large
Weight
60--70 lbs
55--80 lbs
Lifespan
8--10 yrs
11--13 yrs
Health Risk Score
8/10
6/10
Monthly Insurance
$35--$68
$30--$60
Annual Claims
$1,300
$1,000
Exercise Needs
high
high
Grooming
moderate
moderate
Trainability
high
high
Good with Kids
Yes
Yes
Apartment Friendly
No
No
Verdict
Labrador Retriever wins with 4 advantages
Key Verdicts
Insurance Cost
Labrador Retriever — Labrador Retriever has lower average annual insurance claims, making it the more affordable breed to insure.
Health Risk
Labrador Retriever — Labrador Retriever has a lower health risk score, indicating fewer breed-specific health concerns.
Lifespan
Labrador Retriever — Labrador Retriever tends to live longer, providing more years of companionship.
Breed Summaries
Flat-Coated Retriever
large · Sporting
- Monthly Insurance
- $35–$68
- Health Risk
- 8/10
- Lifespan
- 8–10 yrs
- Avg. Annual Claim
- $1,300
Labrador Retriever
large · Sporting
- Monthly Insurance
- $30–$60
- Health Risk
- 6/10
- Lifespan
- 11–13 yrs
- Avg. Annual Claim
- $1,000
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