Dangerous Dog Insurance

Dangerous Dog Insurance Explained

Dangerous dog insurance is a policy cover taken by a dog owner to cover any damage your dog may cause to you and others around you. There are some dog breeds that are usually subjected to this insurance cover such as pit bulls, Rottweilers, Dobermans and German Shepherds. If you are a dog owner with any of these breeds, it is required by law that you get a separate insurance cover for them. This is because the breeds are considered potentially dangerous and can easily hurt you or someone else they come in contact with.

At the point of applying for your home’s insurance, most insurance companies will require information on the pets you have in your home. This is the point where you get to apply for separate insurance cover for your potentially dangerous dog breed if you have one. This is a very touchy issue since some home owners who are also dog owners of the dogs classified as dangerous breeds have been denied inclusive insurance cover by some companies. In some cases, the insurance cover goes higher in addition to the requirement of a separate policy for the dog. Well, the jury is still out on this issue and there is some legislation being amended regarding this, in some areas.

It is however important to get insurance cover for your dog since insurance claims due to dog bites and other such injuries keep rising. This rise affects insurance premiums and this is the reason why the insurance companies require a separate cover to keep the premiums lower especially for other policy holders with the insurance companies who are not dog owners. This is not the end of the matter apparently since even some registered pet insurance companies still do not offer cover for the dangerous breeds.

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Dog Breeds that need Dangerous Dog Insurance

The classification of dangerous breeds varies from one dangerous dog insurance company to the other. But there are those that are generally considered to be in this category across the board and they include but are not limited to:

  • Dobermans
  • German Shepherds
  • Rottweilers
  • Pit bulls
  • Husky
  • Malamute
  • Wolf dog hybrid
  • Chow Chow
  • Saint Benard
  • Great Dane

Granted every dog has the potential to become dangerous, however, this list is based on the number of reported bites and fatalities resulting from these breeds. Even though your insurance cover costs may be increased by owning these breeds, it is important to get this crucial cover for your dog. Dog owners who have neglected taking out this insurance cover have found themselves with more expensive costs when their pooches have caused damage to people or property.

Even though the cost of dangerous dog insurance is high, it is cheaper in the long run. You do not have to top up your home insurance cover when your dog is involved in dangerous activity. This is what happens in most cases when you home insurance covers your pets and your dog happens to get into trouble time and again. It will also give you peace of mind as you enjoy the company of your dog more knowing that they are covered fully and there is no additional risk to you.

Some Measures to avoid Dangerous Dog Insurance

It is possible to avoid the high costs of dangerous dog insurance and still be a proud dog owner. Just follow a few simple rules.

  • 1. You could consider getting a ‘safe’ dog breed such as a mutt. You could find these in any animal shelter and insurance companies love mutts. Getting insurance cover will be a breeze with such a breed. This is a wise decision if you are not so picky and can extend your nurturing and affections to any dog breed.
  • 2. If you are particular about breed, check with your insurance company. Remember that each company may have a different definition of what is a dangerous dog breed. It will save you a lot of headache and heartache if you check first before going for your choice breed. It is also advisable to do so since you will save on extra insurance costs if you get a breed that your insurance company considers high risk.
  • 3. If you already have a breed that your insurance company considers high risk, then start thinking of safety features that will not adjust your insurance costs upwards. First and foremost make sure your dog is being watched at all times and especially when in the company of children or strangers. They may not be knowledgeable enough on what safe play is with a potentially dangerous dog and most bites occur during the time of play according to research. You may also consider keeping your dog on a leash when out taking walks. This is to avoid the chances where your dog barks and proceeds to bite strangers. A muzzle is also very important if your dog breed is the potentially dangerous one. This will keep your friends and family safe from dog bites.
  • 4. There are some people who feel that some dog breeds have been unfairly classified as dangerous. You could get involved in many ways to see to it that this classification is regulated in your part of the country. There are animal welfare organisations that can help with the information you need. You can also contact your local government representative who can assist in letting you know about legislation to revise the cost of dangerous dog insurance.