Insuring Pit Bull Puppy

kylith

A friend of mine has a 12 week pit puppy and is having some difficulty finding insurance. Can anyone recommend a company?

Mooooo

Can it be added to house insurance? I know that's more if anything happens on the property but can it cover vet bills as well.? Just a suggestion dunno if it would work as don't have pet insurance. Otherwise Does breed have to be declared? Im sure there are plenty of crossbred dogs/ mongrels what ever you wish to call em where breeding would be unknown.

DBB

Mooooo wrote: »

Can it be added to house insurance? I know that's more if anything happens on the property but can it cover vet bills as well.? Just a suggestion dunno if it would work as don't have pet insurance. Otherwise Does breed have to be declared? Im sure there are plenty of crossbred dogs/ mongrels what ever you wish to call em where breeding would be unknown.

Some home insurance policies will cover injuries caused to 3rd parties by the resident dog. There is no chance that vet fees for the resident dog would be included.
Furthermore, you can tell them whatever breed you want, but in the event of a claim, the insurance company will go with the records and opinion(s) of the (a) the dog's own vet, (b) the insurance company's vet, and/or (c) the dog warden, Garda, or expert witness, in cases where any of the latter 3 are involved, such as where a person or livestock are injured or killed.
If the insurance company deems you to have been untruthful or inaccurate in your application, you're not covered. Pet insurance companies leave no stones unturned when it comes to settling claims.

kylith

DBB wrote: »

If the insurance company deems you to have been untruthful or inaccurate in your application, you're not covered. Pet insurance companies leave no stones unturned when it comes to settling claims.

she doesn't want to lie for that very reason, and she's not even too hung up on 3rd party, she just wants the dog insured for illness or injury.

em_cat

kylith wrote: »

she doesn't want to lie for that very reason, and she's not even too hung up on 3rd party, she just wants the dog insured for illness or injury.

Kylith, have your friend ring Allianz, they cover pitties asfaik & according to their policy docs. Although they do caveat that ‘dangerous’ breeds adhere to the ‘restrictive’ breed conditions. I use the term in the legal sense, it’s not my opinion, as I’ve a soft spot for pitties & rotties.

arybvtcw0eolkf

If you're disciplined enough to put money into an account for the dog than that's the way to go.

I've a Pitbull, a Staffy and a cat. I've had insurance with just about all the companies, luckily I've had no medical problems with my cat but the dog's have both had Mass Cell Tumor's (MCT) and tbh we found the insurance companies complete scum, they made me up jump through hoops to make claims, at first refusing point blank to cover everything from the dogs surgeries, to x-rays to lab exams of the tumors, perscriptions etc.. Everything.

In the end we decided to cut out the insurance companies and put the same money aside for the pets future medical care.

So far I'm up a fair bit of money, and failing much else happening I'll have more than enough money when their time comes (I hate posting that as both dogs are 10 and 11) to make them very comfortable.

Pet insurance has left a very sour taste in my mouth.

arybvtcw0eolkf

em_cat wrote: »

Kylith, have your friend ring Allianz, they cover pitties asfaik & according to their policy docs. Although they do caveat that ‘dangerous’ breeds adhere to the ‘restrictive’ breed conditions. I use the term in the legal sense, it’s not my opinion, as I’ve a soft spot for pitties & rotties.

On Allianz, a shower of chancers.

They came up with everything to refuse to cover my dogs cancer care, finally then they scraped the bottle of the barrel and said that because both dogs were rescues they were unsure of their previous medical status before I got them and refused to pay up.

At renewal they made my premium so expensive I had no choice but to drop them and put what I was paying Allianz into my own pet account.

<snip >

Never again.

cocker5

I have to say been with Allianz for 13 years now.. have a cocker with HD, arthritis and heart murmur... he has claims totally over €8k approx over the years , never had any issues with any claims .. or repayments so personally I find them great ... that’s just my experience ..

arybvtcw0eolkf

cocker5 wrote: »

I have to say been with Allianz for 13 years now.. have a cocker with HD, arthritis and heart murmur... he has claims totally over €8k approx over the years , never had any issues with any claims .. or repayments so personally I find them great ... that’s just my experience ..

Glad to see you've had a better experience with them than me, but they put me through a lot of stress just when I didn't did it (my dogs were having treatment for cancer).

Maybe the difference was because my were a different breed, but they mad a big deal about them being rescues and me not having their medical status prior to being rescued, but both were rescued as puppies had all their shots done and were neutered at the center and I'd continued their shots and annual Vets visits.

Re. the other company named sorry Moderator I wasn't aware of the stickie.

tk123

I’ve never had an issue with Allianz - that’s with 12-13k (yes you read that right!) in claims over 9 years for Bailey.

The Bishop Basher

Gannon Calm Ritual wrote: »

They came up with everything to refuse to cover my dogs cancer care, finally then they scraped the bottle of the barrel and said that because both dogs were rescues they were unsure of their previous medical status before I got them and refused to pay up.

We had the same issue with a rescue of ours. It wasn't allianz but they refused to pay out for the same reason. I stupidly cancelled both policies because I was so pissed off but i then discovered that no one would take on our Boxer because she was over 5.

I started putting money away as others have suggested but unfortunately the money ended up being used to put them both down together. The boxer slipped a disc in her neck and was paralysed and the rescue dog was at the end of his life anyway so we decided to put them to sleep together.

I contacted the insurance company as i couldn't understand why they accepted payments for over 8 years with no intention of ever paying out. it's tantamount to stealing in my book. I am taking them on as I want that premium back but i'd say I have 2 hopes.

Anyway. I've since got a pup and on the advice of our vets i've insured her with Allianz. The vet said the Allianz scheme was set up by vets so they know what they're talking about.

Lesson learned. Read the small print and unfortunately our plan to get a second dog from a rescue once the pup is grown and settled has gone out the window.

I'll never touch a rescue again which is shame but i won't have a dog that's not insured.

muddypaws

Rennaws wrote: »

Gannon Calm Ritual wrote: »

They came up with everything to refuse to cover my dogs cancer care, finally then they scraped the bottle of the barrel and said that because both dogs were rescues they were unsure of their previous medical status before I got them and refused to pay up.

We had the same issue with a rescue of ours. It wasn't allianz but they refused to pay out for the same reason. I stupidly cancelled both policies because I was so pissed off but i then discovered that no one would take on our Boxer because she was over 5.

I started putting money away as others have suggested but unfortunately the money ended up being used to put them both down together. The boxer slipped a disc in her neck and was paralysed and the rescue dog was at the end of his life anyway so we decided to put them to sleep together.

I contacted the insurance company as i couldn't understand why they accepted payments for over 8 years with no intention of ever paying out. it's tantamount to stealing in my book. I am taking them on as I want that premium back but i'd say I have 2 hopes.

Anyway. I've since got a pup and on the advice of our vets i've insured her with Allianz. The vet said the Allianz scheme was set up by vets so they know what they're talking about.

Lesson learned. Read the small print and unfortunately our plan to get a second dog from a rescue once the pup is grown and settled has gone out the window.

I'll never touch a rescue again which is shame but i won't have a dog that's not insured.

But they will insure dogs bought from puppy farms that could be very unhealthy?

The Bishop Basher

muddypaws wrote: »

But they will insure dogs bought from puppy farms that could be very unhealthy?

I've no idea.

Our pup didn't come from a puppy farm but you raise a valid point in that they didn't ask any questions to determine that.. She could easily have come from a puppy farm and they would have insured her regardless.

But i'm still pissed off that I paid €30 a month for our jack russell who found us when he was about 4. We were honest with them when we insured him and told them we didn't know his history or his age. We had him fully health checked and vaccinated and they were quite happy to take our money until it came time to claim..

Like most jack russell's he was bullet proof and never went near a vet till he developed lung problems near the end.

Iansheridan18

We have 2 German Shepherds insured with Allianz direct for €37 a month.
I'm an insurance broker & went directly with Allianz as they were the only ones that would cover the doggos if they bit somebody on our property as they're on the dangerous dogs list. There are cheaper options out there if your dog isnt on the list but needs must for us

Edit for clarification: Even though I'm a broker, I went to Allianz directly for our insurance. couldnt place the insurance through my agency and as such didnt receive any commission for it

muddypaws

Iansheridan18 wrote: »

We have 2 German Shepherds insured with Allianz direct for €37 a month.
I'm an insurance broker & went directly with Allianz as they were the only ones that would cover the doggos if they bit somebody on our property as they're on the dangerous dogs list. There are cheaper options out there if your dog isnt on the list but needs must for us

Edit for clarification: Even though I'm a broker, I went to Allianz directly for our insurance. couldnt place the insurance through my agency and as such didnt receive any commission for it

There's no such thing as a dangerous dogs list

muddypaws

muddypaws wrote: »

There's no such thing as a dangerous dogs list

For crying out loud, don't pretend you didn't know what he means.

muddypaws

Deleted User wrote: »

muddypaws wrote: »

There's no such thing as a dangerous dogs list

For crying out loud, don't pretend you didn't know what he means.

Excuse me?

Words matter, calling dogs dangerous makes people think that they are. Nowhere in the law does it say that they are