Is Your Dog on Insurance's Ineligible List?

Posted by Pekin Insurance on Jul 28, 2016

No pet owner wants to think that their precious pooch is going to bite or even attack an individual, but the proof is in the statistics.


No pet owner wants to think that their precious pooch is going to bite or even attack an individual, but the proof is in the statistics. According to the Insurance Information Institute, the average cost per claim of a dog bite in 2015 was $37,214 and at Pekin Insurance, it was just over $32,000. That just goes to show why insurance companies have these lists of ineligible dogs, also known as blacklisted dogs. Statistically speaking, certain breeds of dogs are more aggressive by nature, although it is possible for any breed of dog to bite an individual.

Many owners of these dog breeds are frustrated by the singling out of a whole breed. However, when statistics show year after year that the dog bite claims are being made about the same breeds over and over, insurance companies need to lower their risk. Insurance companies pay out thousands of dollars per dog bite claim, and should the victim sue the insurer, then the number only grows.

Dog owners of riskier breeds typically pay higher premiums or may even be denied a policy altogether due to the high risk it would place on the insurance company. Every company varies on their list of ineligible dogs, so it is always good to check with your agent. Listed below are the breeds that are NOT insurable by your Pekin Insurance homeowners policy, as well as most other insurance carriers.

  • Akita
  • American Staffordshire Terrier “Pit Bull”
  • Chow Chow
  • Presa Canario
  • Rottweiler
  • Wolf Hybrids
  • Or any dog with a bite history
  • Or any mixed dogs with these breeds

While this may be a pretty standard list in the insurance world, other companies often also include:

  • Alaskan Malamute
  • Doberman Pinscher
  • German Shepherd
  • Great Dane
  • Mastiff
  • Siberian Husky

As of print date Pekin Insurance does not include these additional breeds on their ineligible list. In the past, many large insurance companies used to only have pit bulls on their ineligible lists, but now many have added the above dogs to their list after claims became too frequent for them. And while some pet owners try to skirt around having a dog that is on an insurance company’s ineligible dog breeds list, this could end up hurting them in the end.

When you fill out an application for a policy at an insurance company, by submitting it you are verifying that all the information on the application is true. If you lie and say “no” when it asks you about any dogs in the household, you are committing fraud by not being truthful. Then, if someone gets bitten by your dog in your home, an insurance company can deny the claim due to the fact that you didn’t disclose the information about an ineligible dog, meaning you are on the hook for all costs that are associated. An insurance company may go as far as to cancel your policy due to your dishonesty. The chances are pretty high that if you withheld information about your dog, then you may have withheld other information that makes you a higher risk for the insurance company.

If you absolutely must have one of the dog breeds that are typically blacklisted by insurance companies, do your research first. Call your agent and ask about your current insurance company’s policy. Even if your current insurance company won’t accept it, your agent may be able to find one that will, but you’ll most likely end up paying for the higher risk. Just make sure to add that into your decision making, if you have yet to get a blacklisted dog breed. Pekin Insurance accepts some breeds that other companies don’t, and some companies accept almost any breed but it comes at a hefty price, so do your research and be ethical in all situations regarding your insurance application. In this digital age insurance companies can find out just about anything, and that could even mean what dog breed you have.

For any dog breed it is important to know how to prevent dog bites. Educate yourself and be a committed dog owner for not only your safety but for others’ as well. Click here for tips to prevent your dog from biting.


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