Man’s Best Friend, but Not the Insurer’s!

One of the hot topics in the news these last months has been the controversy surrounding pitbulls. Citizens are divided: one side wants to ban this breed of dog in their city, whereas the other doesn’t. Dogs, owners and mayors have been accused… But there will be no finger pointing in this article! However, we thought it would be relevant to talk about the impact that your pet has on your insurance policy because, indeed, there is one.

Insurers are especially reticent when it comes to Pitbulls, Rottweilers, Dobermans and other breeds that are known to be aggressive. Although we know that these particular breeds are not necessarily meaner than others and that there are Dobermans who wouldn’t hurt a fly, their sheer power and the size of their jaws are more frightening than that of a Chihuahua’s…

If you are the owner of one of these dog breeds, you may find it difficult to find insurance for your home. Do not fret; there are solutions for you nevertheless.

What can I do?

Whatever the dog’s breed, the first thing to do is to contact your broker when you have a dog or adopt a new one. In fact, your insurer may want to remove itself from the peril; however, to be covered in case of damage, it is important that they know of the existence of your pet.

For a proper assessment of your situation, some insurers will want to know, in addition to your dog’s breed, how long you have had your animal, if it has received “defensive” or “offensive” training and been the subject of a claim in the past. It is recommended to provide a certificate from the veterinarian which indicates that your pet exhibits appropriate social behaviour. This could help your insurer accept your situation. Despite these restrictions, it is possible to find the right insurance that will cover damages caused by your animal.

Nonetheless, we must not forget that dogs have always been a man’s best friend. They serve as companions, save lives, help us better perform certain jobs and guide the blind in their daily activities. Your dog has probably been there for you during several steps of your life and it is only normal that you would wish to protect him and have proper coverage for him. If you’re having trouble finding an insurer who loves your dog as much as you do, we are here to help you find refuge for him on your insurance contract!

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