Pet insurance for Cocker Spaniels

Average customer rating: 4.4/5
Written by Chloe XY Chin
Reviewed by Tiana Templeman
Expert reviewed by Adrian Taylor
Updated 18 August 2025

Cocker Spaniel personality and traits

Cocker Spaniel breeds are gentle, affectionate and intelligent dogs known for their loyalty and beautiful appearance. The Cocker Spaniel is a medium-sized sporting dog valued for its affectionate temperament, intelligence, trainability and social nature.1 They thrive on companionship, are highly trainable and form strong bonds with their human families. They possess flowing, silky coats and long ears, which require regular grooming and maintenance to preserve skin and coat health. Cocker Spaniels have a 10-14-year life expectancy.

When getting a Cocker Spaniel puppy, always research the breeder and make sure that they are registered, ethical breeders who want the best for the dogs. Purebred dogs are typically registered with their respective breed clubs and adhere to a defined breed standard.

Types of Cocker Spaniel

American Cocker Spaniel

English Cocker Spaniel

Cocker Spaniel colours

How to take care of a Cocker Spaniel

Three Cocker Spaniels on leashesCocker Spaniels require regular care to stay healthy and happy throughout their lifespan.3 Whether you’re a first-time pet owner or a seasoned dog lover, there are a few essential things to know about caring for a Cocker Spaniel before bringing them to their new home:

  • Food: Provide a well-balanced diet tailored to their age, size and energy level.
  • Grooming needs: Depending on their breed, their long or medium coats need brushing several times a week. Professional grooming is also recommended every four to six weeks to avoid mats and tangles.
  • Ear cleaning: Due to their floppy ears that easily trap dirt, weekly cleaning is essential to prevent infections.
  • Training: This intelligent breed responds well to positive reinforcement, and early socialisation is vital.
  • Exercise: Daily walks and playtime are crucial to keep both their bodies and minds engaged.
  • Routine wellness: Schedule annual check-ups and vaccinations to ensure your Cocker Spaniel remains in top health.

What are the common Cocker Spaniel health problems?

Cocker Spaniels are prone to several health conditions, many of which are genetic or age-related. Pet owners need to know what the common illnesses are and how to spot the signs so that the dog can get the care they need as soon as possible.

Ear infections

Skin allergies (Canine Atopic Dermatitis)

Eye conditions (Otitis externa)

Hip dysplasia

Luxating Patella

Progressive Retinal Atrophy (PRA)

Obesity

Heart disease

Why is pet insurance for a Cocker Spaniel important?

Pet insurance helps cover the vet costs for diagnosing and treating many common conditions and injuries. Treatments for chronic illnesses, surgery and emergency care can cost thousands of dollars in Australia.

Without pet insurance cover, you may face difficult decisions if your furry friend needs urgent care or long-term medication. Insurance allows you to access treatment options without being limited by cost. It gives peace of mind, knowing you have financial help to care for your family dog.

Compare various pet insurance companies and get free quotes from multiple providers to find the best policy that fits your budget. Depending on the level of cover you select, you may also have the option to add a routine care benefit to your policy, which can include cover for annual check-ups, vaccinations and other wellness benefits as part of your plan.

How to choose pet insurance for a Cocker Spaniel

Always do your research and consider the following when selecting dog insurance for your best friend:

  • Type of pet insurance policy: Look for a plan that includes coverage for breed-specific issues like eye disease, hip dysplasia and skin allergies.
  • Annual limits: Depending on your insurer, different insurance policies have different annual limits, so choose the one with higher annual benefit limits and sub-limits within your financial budget.
  • Reimbursement rate: Most Australian plans offer 60% to 100% back on vet bills. Consider what the amount of excess (the amount you pay per claim) is right for your budget.
  • Waiting periods: Understand how long you’ll need to wait before your pet insurance policy cover begins, as it differs based on pet insurance providers and the type of claim.
  • Pre-existing conditions: Any pre-existing conditions your dog has been treated for may be excluded, so it’s best to insure early.

Always read the policy wording on your Product Disclosure Statement (PDS) and the Target Market Determination (TMD) to know what the inclusions and exclusions of your policy are, and that the pet insurance policy is the right fit for your dog breed.

Meet our pet insurance expert, Adrian Taylor

Adrian Taylor
Chief Executive – General Insurance

As a General Insurance expert with over 13 years’ experience in financial services, Adrian Taylor knows that dogs and cats get themselves into all sorts of mischief. One part of Adrian’s work is to help empower consumers to understand how pet insurance can help save them from exorbitant vet bills when their pet gets injured or falls ill.

1 American Kennel Club (AKC). Dog breeds – Cocker Spaniel. Accessed August 2025.

2 American Kennel Club (AKC). Meet Two Similar Yet Different Breeds: English Cocker Spaniel and Cocker Spaniel. Accessed August 2025.

3 PetMD. Dog Breeds – Cocker Spaniel. Accessed August 2025.

4 Purina UK. Health Problems in Cocker Spaniels. Accessed August 2025.

5 Cocker Spaniel Club of Qld Inc. Eye Conditions. Accessed August 2025.

6 VCA Animal Hospital. Mitral Valve Disease in Dogs. Accessed August 2025.