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Cocker Spaniel Insurance – Costs, Cover & Common Health Issues

The Cocker Spaniel is one of the UK’s most affectionate and cheerful dog breeds. Originally bred as a working gun dog to flush out woodcock (which is how they got their name), today they are just as comfortable curled up on the sofa as they are racing through fields.

Recognised by the The Kennel Club as one of the UK’s most popular breeds, Cocker Spaniels are known for their long, silky ears, expressive eyes, and constantly wagging tails. They are intelligent, eager to please, and deeply people-focused — making them fantastic family companions.

🐾 Average lifespan: 12–15 years

🐾 Average adult weight: 12–15 kg

🐾 One of the Top 5 most registered breeds with The Kennel Club in recent years

🐾 Originally recognised by The Kennel Club in 1892

🐾 The average claim for Cocker Spaniels is £750

Cocker spaniel with a ball

Common Cocker Spaniel Health Issues

Cocker Spaniels are generally healthy but can be prone to certain breed-specific conditions.

Common Health Issues:

  • Ear Infections – £150–£350 per episode (can become chronic)

  • Hip Dysplasia – Surgery £3,000–£7,000

  • Progressive Retinal Atrophy – Testing £300–£600

  • Glaucoma – £500–£1,500 emergency care / £2,000–£4,000 surgery

  • Skin Allergies – £500–£1,500 per year

Recurring ear and skin conditions can quickly add up, which is why many Cocker owners choose comprehensive cover.

🐶Happy, Affectionate, Energetic — Protect Your Spaniel Properly

Your Guide To Owning a Cocker Spaniel

Wondering if a Cocker Spaniel is the right dog for you? Here’s a few things you should know before you bring a ‘merry cocker’ home…

Running cocker spaniel

Diet & Nutrition

Cocker Spaniels require a balanced, high-quality diet suited to their activity level and life stage.

Key dietary considerations:

  • Monitor portion sizes — they can gain weight easily.
  • Omega-3 supplements may support skin and coat health.
  • High-quality protein supports muscle tone, especially in working Cockers.
  • Some may benefit from hypoallergenic diets if prone to allergies.

Maintaining a healthy weight is especially important to reduce strain on joints and lower the risk of diabetes.

Cocker Spaniel by Water

Exercise Requirements

Cocker Spaniels are energetic and intelligent, requiring both physical and mental stimulation.

Daily exercise needs:

  • 1–1.5 hours per day (more for working types)
  • Off-lead running where safe
  • Scent games and retrieval
  • Training sessions to keep their active minds engaged

Without sufficient exercise, Cockers may become anxious, vocal, or destructive. They thrive when given a job to do.

Cocker Spaniel with it's owner

Who Is the Cocker Spaniel Perfect For?

Cocker Spaniels are ideal for:

  • Active families
  • First-time owners willing to commit to grooming and training
  • People who enjoy countryside walks
  • Owners looking for an affectionate, loyal companion
  • Homes where someone is around most of the day

They are less suited to households where they’ll be left alone for long periods, as they can develop separation anxiety.

Why Insurance Matters for Cocker Spaniels?

From recurring ear infections to hereditary eye conditions, Cocker Spaniels can require ongoing veterinary care throughout their lifetime. Comprehensive insurance helps protect against unexpected costs — from diagnostics and medication to surgery and long-term treatment.

Choose The Best Policy For Your Cocker Spaniel

Superior – the most comprehensive insurance cover we offer, with the lowest excess, giving you confidence that your dog will be looked after if illness or injury strikes.

Benefits

  • Claimable period

    Lifetime cover
    for illnesses and injuries, year after year.

  • Veterinary fees

    £12,000

  • Percentage of veterinary fees covered

    100%

  • Third party liability

    £1,000,000 per claim

  • Day to day care

  • Age restrictions

    8 weeks – under 8 years.

Benefits

  • Claimable period

    Lifetime cover
    for illnesses and injuries, year after year.

  • Veterinary fees

    £9,000

  • Percentage of veterinary fees covered

    100%

  • Third party liability

    £1,000,000 per claim

  • Day to day care

  • Age restrictions

    8 weeks – under 8 years.

Benefits

  • Claimable period

    Lifetime cover
    for illnesses and injuries, year after year.

  • Veterinary fees

    £6,000

  • Percentage of veterinary fees covered

    100%

  • Third party liability

    £1,000,000 per claim

  • Day to day care

  • Age restrictions

    8 weeks – under 8 years.

Benefits

Superior

Mid-point

Entry

Claimable period

Lifetime cover
for illnesses and injuries, year after year.

Lifetime cover
for illnesses and injuries, year after year.

Lifetime cover
for illnesses and injuries, year after year.

Veterinary fees

£12,000

£9,000

£6,000

Percentage of veterinary fees covered

100%

100%

100%

Third party liability

£1,000,000 per claim

£1,000,000 per claim

£1,000,000 per claim

Day to day care

Age restrictions

8 weeks – under 8 years.

8 weeks – under 8 years.

8 weeks – under 8 years.

Mid-range – our most flexible plan, offering a choice of co-payment and excess levels and packed with a range of optional extras to suit your dog’s needs.

Benefits

  • Claimable period

    Lifetime cover
    for illnesses and injuries, year after year.

  • Veterinary fees

    £12,000

  • Percentage of veterinary fees covered

    90%, 80% or 70%

  • Third party liability

    £1,000,000 per claim

  • Day to day care

    Optional Extra: Get up to £50 annually for key pet care needs like de-sexing, microchipping, worming, teeth cleaning, and more. Additional cover includes vaccinations, health checks, flea/tick control, and diagnostic tests, with no excess.

  • Age restrictions

    8 weeks – under 8 years.

Benefits

  • Claimable period

    Lifetime cover
    for illnesses and injuries, year after year.

  • Veterinary fees

    £9,000

  • Percentage of veterinary fees covered

    90%, 80% or 70%

  • Third party liability

    £1,000,000 per claim

  • Day to day care

    Optional Extra: Get up to £50 annually for key pet care needs like de-sexing, microchipping, worming, teeth cleaning, and more. Additional cover includes vaccinations, health checks, flea/tick control, and diagnostic tests, with no excess.

  • Age restrictions

    8 weeks – under 8 years.

Benefits

  • Claimable period

    Lifetime cover
    for illnesses and injuries, year after year.

  • Veterinary fees

    £6,000

  • Percentage of veterinary fees covered

    90%, 80% or 70%

  • Third party liability

    £1,000,000 per claim

  • Day to day care

    Optional Extra: Get up to £50 annually for key pet care needs like de-sexing, microchipping, worming, teeth cleaning, and more. Additional cover includes vaccinations, health checks, flea/tick control, and diagnostic tests, with no excess.

  • Age restrictions

    8 weeks – under 8 years.

Benefits

Key

Vital

Core

Claimable period

Lifetime cover
for illnesses and injuries, year after year.

Lifetime cover
for illnesses and injuries, year after year.

Lifetime cover
for illnesses and injuries, year after year.

Veterinary fees

£12,000

£9,000

£6,000

Percentage of veterinary fees covered

90%, 80% or 70%

90%, 80% or 70%

90%, 80% or 70%

Third party liability

£1,000,000 per claim

£1,000,000 per claim

£1,000,000 per claim

Day to day care

Optional Extra: Get up to £50 annually for key pet care needs like de-sexing, microchipping, worming, teeth cleaning, and more. Additional cover includes vaccinations, health checks, flea/tick control, and diagnostic tests, with no excess.

Optional Extra: Get up to £50 annually for key pet care needs like de-sexing, microchipping, worming, teeth cleaning, and more. Additional cover includes vaccinations, health checks, flea/tick control, and diagnostic tests, with no excess.

Optional Extra: Get up to £50 annually for key pet care needs like de-sexing, microchipping, worming, teeth cleaning, and more. Additional cover includes vaccinations, health checks, flea/tick control, and diagnostic tests, with no excess.

Age restrictions

8 weeks – under 8 years.

8 weeks – under 8 years.

8 weeks – under 8 years.

Safety-net – accidents or illness can happen at any time, and our Catastrophe and Economy policies provide cover for your dog when emergency treatment is needed.

Benefits

  • Claimable period

    Cover for each injury or illness for 12 months from the date of the incident or when symptoms first appeared.

  • Veterinary fees

    £4,000
    for each injury and illness for 12 months

  • Percentage of veterinary fees covered

    100%

  • Third party liability

    £1,000,000 per claim

  • Day to day care

  • Age restrictions

    8 weeks – under 8 years.

Benefits

  • Claimable period

    Lifetime cover
    for illnesses and injuries, year after year.

  • Veterinary fees

    £6,000

  • Percentage of veterinary fees covered

    100%

  • Third party liability

    Optional extra: £1,000,000 per claim

  • Day to day care

  • Age restrictions

    8 weeks – under 8 years.

Benefits

  • Claimable period

    Lifetime cover
    for illnesses and injuries, year after year.

  • Veterinary fees

    £3,000

  • Percentage of veterinary fees covered

    100%

  • Third party liability

    Optional extra: £1,000,000 per claim

  • Day to day care

  • Age restrictions

    8 weeks – under 8 years.

Benefits

Economy

Catastrophe 2

Catastrophe 1

Claimable period

Cover for each injury or illness for 12 months from the date of the incident or when symptoms first appeared.

Lifetime cover
for illnesses and injuries, year after year.

Lifetime cover
for illnesses and injuries, year after year.

Veterinary fees

£4,000
for each injury and illness for 12 months

£6,000

£3,000

Percentage of veterinary fees covered

100%

100%

100%

Third party liability

£1,000,000 per claim

Optional extra: £1,000,000 per claim

Optional extra: £1,000,000 per claim

Day to day care

Age restrictions

8 weeks – under 8 years.

8 weeks – under 8 years.

8 weeks – under 8 years.

Terms, conditions, and excesses apply. Cover depends on acceptance criteria, and there may be policy limits and exclusions. Make sure to check the policy details on the dog insurance page before taking out a policy.