As a dog owner, we love our dogs, we spoil them, we buy them treats, we adore them and they’re just as much a part of the family as anyone else, but are you prepared to risk your financial future on your dog?
It sounds dramatic but any dog owner could potentially face financial ruin due to their dog. You could lose the house, the car, everything because of your dog. All it takes is one unexpected situation, one trigger to turn your dog into a biter. Your dog may not even bite because of anger or fear it might be out of loyalty because he is trying to protect you, his owner. Whatever the reason, sometimes dogs bite. This is why you need to have the right dog insurance.
Even though you don’t think your dog would ever bite anyone you need to remember, as much as you adore you dog he is still an animal with animal instincts. It can happen when you least expect it and if your dog does bite someone there is a good chance the victim will sue you for injury, losses and damages. These sorts of legal actions can cost the dog owner hundreds of thousands of dollars.
If you are not covered for dog liability under another policy then you should consider taking canine liability insurance. This is a very specific insurance policy for dog owners who are not otherwise covered for injury caused by their dog. Often it is the smaller, less well known insurers who offer this type of dog insurance.
If your dog’s breed is on the Dangerous Dog List of your current insurer this can be another reason to consider a canine liability policy. Canine liability insurance is the type of policy that covers you when other insurance policies don’t. Each insurance company tends to have different breeds on their list so you need to check your dog’s breed specifically with your insurer, never assume they are covered because your policy covers dogs generally. It is worth spending a bit of time reading your current policy or picking up the phone and asking about it now. If you wait until after your dog has bitten someone it is too late.
Insurance cover is a very personal decision and an area where you should get professional advice before making any decision about it. However, it is good to have as much knowledge as possible before speaking to your insurance company or broker because then you know the right questions to ask.