Orlando Harmon
Dog breed can have a significant impact on the cost of pet insurance premiums. Insurers consider several factors, including breed longevity, health conditions, and veterinary costs, to assess the risk of insuring a particular breed. Certain breeds are perceived as more aggressive and high-risk, leading to higher premiums or even denial of coverage. Some commonly blacklisted breeds include Rottweilers, Pit Bulls, German Shepherds, and Doberman Pinschers. Additionally, dogs with a history of biting or aggressive behavior may be excluded from coverage or result in higher premiums. To mitigate these challenges, pet owners can explore alternative insurers, obtain canine liability insurance, or opt for higher deductibles or copayment percentages to reduce monthly premiums.
| Characteristics | Values |
|---|---|
| Breed restrictions | Rottweilers, pit bulls, German shepherds, chow chows, Dobermans, and many wolf breeds |
| Banned by some states | Vermont does not allow the exclusion of entire canine breeds |
| History of biting | Some insurers ban dogs with a history of biting |
| Breed-specific legislation | Breed-specific legislation (BSL) equates the qualities of a dangerous dog with certain breeds |
| High-risk breeds | High-energy and working breeds like border collies, Australian shepherds, and German shepherds |
| Breed longevity | Longer-living breeds may increase insurance costs |
| Breed health conditions | Breeds prone to specific health conditions, e.g., German shepherds are susceptible to hip dysplasia |
| Behavioural hazards | Aggressive behaviour may lead to higher premiums or exclusion from coverage |
| Pet liability insurance | Covers injury or damage caused by any kind of dog |
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What You'll Learn
Dog breeds commonly blacklisted by insurance companies
Some insurance companies maintain lists of dog breeds that they refuse to cover under homeowners' insurance policies. These lists are often based on the perception that certain breeds are more likely to cause injury or damage property. While some states and insurance companies have pushed back against breed-specific legislation, many insurance providers continue to discriminate against certain dog breeds, labelling them as "high-risk" or "dangerous".
The most commonly blacklisted dog breeds include:
- Rottweilers
- Pit Bulls
- German Shepherds
- Doberman Pinschers
- Chow Chows
- Wolf breeds
Insurers consider these breeds to be high-risk due to their size, strength, and reputation for aggression. Large dog breeds are more likely to cause severe bites, leading to expensive liability claims. Additionally, powerful and muscular dogs that do not get adequate exercise can develop negative behaviours, further increasing the risk of bites or attacks.
However, it is important to note that any dog, regardless of breed, is capable of biting or displaying aggressive behaviour. Breed-specific legislation has been criticised by organisations such as the American Society for the Prevention of Cruelty to Animals (ASPCA) and the American Veterinary Medical Association (AVMA), who argue that it can make it more challenging for owners to find housing and veterinary care for their dogs.
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How to get insurance for blacklisted dog breeds
Dog breed does influence insurance costs, with some breeds being blacklisted by insurance companies. The blacklisted breeds include Rottweilers, Pit Bulls, German Shepherds, Chow Chows, Doberman Pinschers, and several types of Wolf breeds. If your dog is one of these breeds, you may find it challenging to obtain insurance, but there are still options available. Here are some suggestions for getting insurance for blacklisted dog breeds:
- Shop around and compare coverage from multiple companies: Not all insurance companies have the same breed restrictions. Some providers, such as AIG, Chubb, Hippo, and Encompass, are known to accept even the most dangerous dog breeds. By exploring your options, you may find insurers that are more flexible or open to covering restricted breeds.
- Consider pet liability insurance: Pet liability insurance is a specialized type of policy that covers all dog breeds for most kinds of injuries or damage. It can be purchased as a separate policy or added as an endorsement to your current home insurance policy. This is a good option if you are unable to find an insurer that includes your dog in their standard coverage.
- Obtain a Canine Good Citizen certification: Some insurers may be more willing to cover restricted breeds if your dog has obtained a Canine Good Citizen certification from the American Kennel Club (AKC). This certification demonstrates that your dog has been trained and can help make a case for your dog's good behaviour.
- Check for state-specific regulations: Breed-specific legislation (BSL) allows insurance providers to implement blacklists and discriminatory policies based on certain dog breeds. However, this varies by state, and some states ban insurers from denying coverage based solely on your dog's breed. Understanding the regulations in your state can help you navigate your insurance options.
- Be honest and transparent: While it may be tempting to conceal your dog's breed or bite history, doing so could lead to policy cancellation or non-coverage in the event of a claim. It is essential to be honest and transparent with your insurance provider about your dog's breed and any relevant history.
- Focus on proper training and socialization: Proper training and socialization can help prevent behavioural issues and reduce the risk of biting incidents. By investing time and effort into training your dog, you can improve its behaviour and potentially reduce the perceived risk associated with your dog, making it easier to obtain insurance.
While obtaining insurance for blacklisted dog breeds may be challenging, these steps can increase your chances of finding suitable coverage. It is important to be persistent, compare options, and prioritize responsible dog ownership through training and socialization.
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How dog breed affects pet insurance costs
The breed of dog you own can have a significant impact on the cost of your pet insurance. Insurers consider several factors when determining premiums for different dog breeds, including breed longevity, health conditions, and other factors that may increase veterinary costs.
Some dog breeds are more prone to specific health conditions due to their genetic predispositions. For example, German Shepherds are more likely to develop hip dysplasia, a hereditary condition, while Rottweilers, German Shepherds, and Boxers are susceptible to subaortic stenosis, a congenital heart condition. Mitral valve dysplasia is more commonly found in Bull Terriers, Great Danes, and German Shepherds. These increased health risks can lead to higher veterinary costs, which insurers anticipate when setting premiums.
High-energy and working dog breeds, such as Border Collies, Australian Shepherds, and German Shepherds, often engage in rigorous physical activity, making them more susceptible to injuries like sprains, fractures, and ligament tears. Active breeds, including hunting dogs such as Labradors, Beagles, and Retrievers, and guarding breeds like Rottweilers and Dobermans, are also prone to injuries due to their roles and environments. The higher likelihood of injuries in these breeds contributes to increased treatment costs, resulting in higher insurance premiums.
In addition to health and injury risks, some insurers consider certain dog breeds to be high-risk due to their perceived aggressive nature and the potential for costly bites. Breeds commonly blacklisted by insurance companies include Pit Bulls, Rottweilers, Doberman Pinschers, and German Shepherds. These breeds are statistically more likely to cause expensive liability claims, leading to higher premiums or even denial of coverage.
It is important to note that breed-specific legislation (BSL) has been challenged by dog advocates, who argue that any dog can be aggressive or dangerous regardless of its breed. Some states, such as Vermont, do not allow the exclusion of entire canine breeds from insurance coverage.
To reduce pet insurance premiums for more expensive dog breeds, you can consider opting for a higher deductible or copayment percentage, selecting a plan that covers only accidents or accidents and illnesses, or enrolling your dog when they are young to lock in lower rates. Additionally, preventive care and early training can help reduce the risk of chronic issues and aggression, potentially lowering insurance costs.
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States with breed-specific legislation
Dog breeds that are commonly considered "high-risk" by insurance companies include Rottweilers, Pit Bulls, German Shepherds, Chow Chows, and various wolf breeds. These dogs are often excluded from insurance coverage due to their perceived risk, past claims data, and local laws. Some companies, however, are more lenient and assess dogs on a case-by-case basis, considering factors such as individual behaviour, training, and bite history.
The impact of specific dog breeds on insurance premiums is influenced by breed-specific legislation (BSL) enacted by states, cities, and municipalities. BSL refers to laws that regulate or ban dog breeds believed to be dangerous to humans and other animals. The effectiveness of these bans has been questioned by organisations like the American Society for the Prevention of Cruelty to Animals (ASPCA) and the American Veterinary Medical Association (AVMA), who argue that breed-specific legislation can make it challenging for dog owners to access housing and veterinary care.
In response to the backlash against BSL, some states have introduced legislation to limit insurers' reliance solely on a dog's breed when determining coverage. For example, New York and Nevada have passed restrictions forbidding or limiting the use of breed as the sole factor in determining homeowner's liability coverage. Similar legislation is under review in Illinois. Additionally, in November 2022, The National Conference of Insurance Legislators (NCOIL) adopted a model law prohibiting insurance companies from denying homeowners and renters liability insurance based solely on the breed of their dog.
While some states are moving away from breed-specific legislation, it's important to note that insurance policies and breed restrictions can vary by location. As a result, dog owners may need to shop around and compare coverage options from multiple companies. Some insurers known to be more flexible with breed restrictions include State Farm, USAA, NJM, Chubb, AIG, Hippo, and Encompass.
To avoid issues with insurance coverage, it is essential to be truthful about dog ownership and breed when obtaining insurance. Additionally, focusing on training and socialising dogs can help prevent biting incidents and reduce the likelihood of filing insurance claims.
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How to avoid filing an insurance claim for a dog bite
Owning a dog is a rewarding experience, but it also comes with responsibilities, including the possibility of having to deal with dog bites. While any dog is capable of biting, certain breeds are excluded from insurance coverage due to their higher risk of causing injuries. These breeds include Rottweilers, Pit Bulls, German Shepherds, Chow Chows, and wolf breeds. If your dog has a history of biting, it may be challenging to obtain insurance coverage, and you might need to sign a liability waiver.
Research dog breeds and behaviour
Before adopting or purchasing a dog, it is essential to research different breeds and their typical behaviours. Understanding a dog's body language can help you recognise when they are uncomfortable or anxious and more likely to lash out. Monitor your dog's behaviour and give them space when they exhibit signs of fear or aggression.
Socialise your dog
Socialising your dog is crucial to help them adapt to their surroundings and feel comfortable. Introduce them to different people, environments, and situations to reduce their anxiety and the likelihood of aggressive behaviour.
Provide adequate exercise and stimulation
Some dog breeds, particularly those with high energy levels, require ample exercise and stimulation. Lack of exercise can lead to pent-up energy, which may contribute to negative behaviour. Ensure your dog has a healthy outlet for their energy by providing daily exercise and activities tailored to their needs.
Train your dog
Enroll your dog in training classes to modify their behaviour and reduce the risk of biting. Positive reinforcement training can help you establish a healthy relationship with your dog and improve their social skills.
Understand your insurance policy
Review your home insurance policy thoroughly to know what is covered and what is not. Some policies may provide liability coverage for dog bites, but it may be limited or have specific requirements. Understand the extent of your coverage and any exclusions to avoid surprises later.
Consider pet liability insurance
If your dog belongs to a restricted breed or has a history of biting, consider purchasing pet liability insurance. This specialised policy covers all dog breeds for most types of injuries or damage and can be added as an endorsement to your existing home insurance or purchased separately.
Remember, preventing dog bites is crucial for the safety of both your dog and others. Taking proactive measures to understand and manage your dog's behaviour can help avoid incidents that may lead to insurance claims.
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Frequently asked questions
Dog breeds that are commonly excluded from insurance coverage include Rottweilers, Pit Bulls, Doberman Pinschers, German Shepherds, and Chow Chows. Some insurers may also exclude wolf breeds and mixed-breed dogs if one of the parent breeds is on their restricted list.
Insurance companies exclude certain dog breeds due to a perceived higher risk of bites or attacks. Large dog breeds are more likely to be excluded or banned due to the potential severity of bites rather than the frequency. Additionally, some breeds are more prone to specific health conditions, which can increase veterinary costs and influence insurance premiums.
If your dog's breed is excluded from your insurance coverage, you have several options. You can shop around for a different insurance provider that doesn't have breed restrictions or considers each dog on a case-by-case basis. You may also be able to add canine or pet liability insurance for extra protection. Alternatively, you can train your dog and obtain a Canine Good Citizen certification from the American Kennel Club (AKC) to request an exception from your current insurer.
