God, I wish. The older they get, the more the complications, the more the insurance racks up until, for my lad's last two years, I just got basic insurance for accidents and paid for the existing conditions myself. Being a chunky 'English' Lab, he had a few conditions later in life. Labrador laryngeal paralysis was one that went from an occasional cough to almost continual hacking fits, and the almost ubiquitous arthritis that Labs develop. And believe me, vet bills shot up over here after Covid as well.
That said, it wasn't as bad as one of my neighbours' dogs, an old English bulldog that was about 5 when we got Astro (not the poster!) in 2011. She was paying then £250 a month for insurance for it (Astro's was £8.50, in comparison). That's the problem with thoroughbreds - they're sometimes inbred to the point of mutants. Astro was a thoroughbred, but the difference with Labs is that the gene pool is so widely diverse.
Owning a dog is not cheap here, believe me. And on top of that, Astro ****ing destroyed my kitchen when he was a pup. Little **** literally chewed through the 4-inch-thick leg of ****ing oak kitchen table, and all the knobs off the doors of the units. We were told to give him some cardboard to chew - which we did. He pissed on it and continued to demolish the furniture.