Does Pet Insurance Cover aggressive dogs?

Asked by: Dr. Jacky Beatty PhD  |  Last update: July 24, 2022
Score: 4.9/5 (3 votes)

Our dog owner liability insurance solutions provide coverage for all dog breeds, even if your dog has been labeled as “dangerous” and even if other insurers have refused to insure it. From Labradors to Pit Bulls, Chihuahuas to Rottweilers, all breeds are welcome.

Does pet insurance cover if your dog bites someone?

Homeowners and renters insurance policies typically cover dog bite liability legal expenses, up to the liability limits (typically $100,000 to $300,000). If the claim exceeds the limit, the dog owner is responsible for all damages above that amount.

Does an Umbrella policy cover dog bites?

Yes, umbrella insurance does cover dog bites. This is because umbrella insurance provides coverage beyond the limits of your other insurance policies, and things like injuries for which cold be held responsible are generally covered by home insurance then extended by umbrella coverage.

What dog breeds affect homeowners insurance?

According to HomeInsurance.org, “Dog breeds that are typically associated with higher insurance premiums include Pit Bulls, Rottweilers, Doberman Pinschers, German Shepherds, Siberian Huskies, Akitas, and wolf-dog hybrids.” Forbes.com adds Chows, Great Danes, Presa Canarios, and Alaskan Malamutes to their list.

Do you need insurance for a pitbull?

Your pit bull can be included under your home insurance liability coverage, but that could change if your dog misbehaves in the future. USAA: It covers your pit bull if the dog has a history of good behavior.

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39 related questions found

Does progressive discriminate against pit bulls?

Progressive's home insurance may cover your pitbull, but it depends on where you live and your dog's history. While you hope it never happens, even dogs with the gentlest demeanors may bite someone if provoked. If your dog ends up biting or injuring someone, you are legally liable.

What dog is most likely to turn on its owner?

Pit Bull Terriers

Probably the most notorious breed on this list, the pit bull has a reputation for unpredictability and aggression, even against its owner or his family. State and local governments have been vigorous at restricting ownership of this dog with breed-specific legislation.

Are certain dog breeds more aggressive?

It makes no difference which breed the dog is or whether it's a big dog or a small dog. Even dogs that are normally very friendly can be prone to biting people under certain circumstances, such as if they're feeling threatened, sick, or taking care of puppies.

Can you get insurance on a pitbull?

Pit bull insurance (canine liability insurance): Pit bull insurance is a stand-alone policy that provides policyholders with broad coverage for any dog breed. Pit bull liability insurance can typically be purchased through smaller insurance companies.

Can homeowners insurance drop you because of a dog bite?

However, most homeowners insurance policies will cover off-property dog bites because they threaten your home. Dog bite victims will look for compensation for their injuries. A good source of compensation for the damages they can recover is in the equity you have put into your home.

What counts as a dog bite?

A dog bite is a bite upon a person or other animal by a dog, including from a rabid dog. More than one successive bite is often called a dog attack, although dog attacks can include knock-downs and scratches.

What is not covered by an umbrella policy?

An umbrella insurance policy does not cover your own injuries or damages to your own home, car or property. Personal umbrella insurance also will not cover intentional acts, criminal behavior, damage caused while you're performing business activities, or damage from certain dogs or vehicle types.

Should I pay vet bill if my dog bites another dog?

If a fight between two dogs occurs, the person who usually becomes liable for the vet's fees is the owner of the dog which is deemed to be at fault.

What should you do if your dog bites someone?

Attend to the bite victim: Help them wash the wound with warm soap and water thoroughly. Contact medical professionals on their behalf, and call an ambulance if needed. Even if the bite does not look very bad, they should still be seen by a medical professional because bites can turn serious quickly.

What happens if your dog bites a dog?

Infection is generally the primary concern for any dog bite, however there are other serious health issues which can develop from the bite wound depending on the location and severity: Cellulitis (tissue infection) Infection of the bone.

Can you train aggression out of a dog?

Is training an aggressive dog possible? Yes. Aggression in dogs, whether it be toward a dog's owner or other dogs, is a serious behavior that should be adjusted with the help of a professional dog trainer.

What is the most violent dog breed?

Rough Collies are the most aggressive dog breed, a new study of more than 9,000 pets has found. Research conducted by the University of Helsinki found that smaller dogs are more likely to behave aggressively, growl, snap, and bark compared to mid-sized and large dogs.

What triggers dogs to be aggressive?

Aggression in dogs can be due to guarding territory, resources, or a family member; fear; frustration; prey drive; or pain. In all of these situations, a dog may be pushed too far and can transition quickly from reactive, fearful, or guarding behaviors to being aggressive.

What is the most loyal dog?

Top 10 Most Loyal Dog Breeds
  • #8: Yorkshire Terrier. ...
  • #7: Dobermann Pinscher. ...
  • #6: German Shepherd. ...
  • #5: Golden Retriever. ...
  • #4: Staffordshire Bull Terrier. ...
  • #3: Labrador Retriever. ...
  • #2: Cavalier King Charles Spaniel. ...
  • #1: Xoloitzcuintli.

What is the safest family dog?

5 Safest Dog Breeds
  1. Labrador Retriever. Loveable labs bring joy to children everywhere. ...
  2. Golden Retriever. The unparalleled playfulness of the Golden Retriever is a big plus. ...
  3. Irish Setter. Irish Setters thrive on companionship rather than solitude. ...
  4. Beagle. ...
  5. Border Collie.

Will my dog bite me if he growls?

By teaching your dog that growling isn't acceptable behavior, you're taking away its ability to warn you that it may bite. You may have heard stories about dogs that bite with no warning. But, in many cases, this is because the owners trained their dogs not to give a warning growl first.

What can I pass my pitbull off as?

10 Dog Breeds Most Commonly Mistaken for Pit Bulls
  • 10 Dogs People Mistake for Pit Bulls. There is so much controversy these days about pit bulls. ...
  • The American Bulldog. ...
  • The Presa Canario. ...
  • The Cane Corso. ...
  • The Bull Terrier. ...
  • The Boxer. ...
  • The Dogo Argentino. ...
  • The Staffordshire Bull Terrier.

Why are German shepherds on the restricted breed list?

Different jurisdictions have different definitions. German Shepherds are often targeted by these laws because they're commonly used as protection or in military/law enforcement work. In my opinion, this gives many breeds the undeserved reputation of being automatically labeled as aggressive.

Does Geico cover pitbulls?

Breeds typically given this designation include: Pit Bulls or Staffordshire Terriers; Rottweilers; Doberman Pinschers; German Shepherds; Great Danes; Akitas; Chows; and Presa Canarios. So long as your dog is approved, under personal liability coverage, you will be protected if your dog bites someone.