Last updated: November 30, 2025
Why Ear Infection Cover Matters for Dogs
Ear infections are one of the most common health issues in dogs, especially in breeds with floppy ears or narrow ear canals. Symptoms include redness, itching, head shaking, discharge and pain. Many dogs experience recurrent infections that require regular vet visits, medication or ongoing management. Because costs can add up quickly, choosing insurance that supports long-term ear care is important. For readers comparing broader policy options, Best Pet Insurance UK 2025 offers a helpful overview.
Does Pet Insurance Cover Ear Infections?
Most UK pet insurance policies do cover ear infections as long as symptoms started after the policy began. If your dog previously had ear irritation, discharge or recurring issues recorded in their vet history, insurers may classify the condition as pre-existing. For pets already affected by ear problems, Pet Insurance for Pre-Existing Conditions UK 2025 explains what options may still be available. Because ear infections often return, switching insurers later can lead to exclusions.
Best Policy Types for Dogs With Ear Problems
Lifetime pet insurance offers the most reliable cover for ear infections, especially for dogs that suffer repeated episodes. These policies refresh the vet fee limit each year, supporting ongoing treatment, repeat consults and medication. Learn more about how they work in Lifetime Pet Insurance UK 2025. Time-limited policies only provide cover for 12 months from the first claim, making them unsuitable for dogs with recurring infections. More details are available in Time-Limited Pet Insurance UK 2025. Accident-only plans do not cover ear infections at all, as these are illnesses rather than injuries. For clarity on their limitations, see Accident-Only Pet Insurance UK 2025.
Typical Costs of Treating Ear Infections
Ear infection treatment costs vary depending on severity and whether the problem becomes chronic. A standard consultation may cost £40 to £60. Cytology tests or swabs to identify bacteria or yeast can cost £40 to £80. Prescription ear drops often cost £20 to £40 per course, while severe or persistent infections may require multiple rechecks. Dogs with chronic issues may need long-term medication or referral to a dermatologist. For value comparisons across lifetime policies, Best Lifetime Pet Insurance UK 2025 provides helpful insight. For clinical guidance on managing infections, organisations like the PDSA and Blue Cross publish practical advice for owners.
Choosing a Policy for Dogs Prone to Ear Infections
When choosing insurance, check for strong cover for diagnostics, repeat consultations and medication, as these are common costs for ear infections. Some cheaper policies limit illness cover or exclude certain treatments entirely. Owners comparing lower-cost plans can explore Cheap Dog Insurance UK 2025 to understand where budget policies differ. Ear issues often worsen with age, making Pet Insurance for Older Dogs UK 2025 helpful for owners of senior dogs. It is also useful to check typical exclusions in What Does Pet Insurance Not Cover UK 2025 and how excess rules apply, outlined in Pet Insurance Excess Explained UK 2025.
FAQs – Dog Ear Infections UK 2025
Does pet insurance cover ear infections?
Yes, as long as symptoms started after the policy began and the condition is not pre-existing.
Are chronic ear infections covered?
Lifetime policies cover ongoing ear issues year after year, provided there are no gaps in cover.
Do insurers cover ear drops and medication?
Most comprehensive policies cover medication under the main vet fee limit.
Can I switch insurers if my dog has recurring ear infections?
Switching is not recommended because a new insurer will typically exclude the condition.
Are ear infections more common in certain breeds?
Yes, they are more common in breeds including Cocker Spaniels, Labradors, French Bulldogs and Poodles.
Conclusion
Ear infections are extremely common in dogs and often require repeat consultations, tests and medication. Lifetime pet insurance offers the most reliable support for long-term ear health, while cheaper or time-limited policies may provide limited protection. By choosing a policy with strong diagnostic and medication cover, owners can manage costs effectively and ensure their dog receives ongoing treatment throughout 2025.
