Dog Insurance

Please understand that we are pet lovers here. I remember my first dog Brutis. The little scrapper was more apt to bite than some doberman pincers I've met.  He was a wire haired mix between beagle and terrier. Small dog with a big attitude. Don't mess with Brutis. LOL. I still have a scar on my wrist from a fight between him and Ace, the neighbors black lab. These two didn't see eye to eye. One day at the bus stop the two of them went at it.  Tearing and biting...I grabbed Brutis by the collar, Ace jumped for his neck. But before Ace could strike my dog twisted around and bit me so I would let go.  Great!! 

Who decides what dogs make the "Bad Dog" list? Each company has data on which breeds of canine that they will "insure".  It's up to them.  If your dog bites someone they will have to defend you and your dog and possibly pay for injury.  Even if the dog doesn't bite anyone and it's just alleged to have bitten, the defense cost alone can be $20,000. That's not short money.

Other companies just flat out EXCLUDE ALL DOGS: Look under the exclusions page for the words CANINE EXCLUSION or ANIMAL EXCLUSION.

Pit bull, American bull dog, Rotweiller, German shepherd, Akita, Chow, Doberman pincer, Husky, Wolf hi-bred. Notice I didn't include Black lab, or Poodle. Let's face it any dog can bite. So why are these breeds selected verses others? It's because some of these have been bred over years to be guard dogs. They also have something called "lock Jaw".

Have you ever seen a dog bite onto a stick of a rope and you can't get it free because they are biting down on it so hard? When a dog can bite and hold, that's lock jaw.

Most dogs bite and retreat. They don't bite and hold.

There is hope for those people who own "bad dogs". We have some options if you've been declined. www.jmdins.com

The best case is when your dog has been trained! If your pet has a Good Canine Citizen (GCC) certificate, then you might have more options.

Please give us a call today. We can answer your questions and help provide some relief.

Thank you!!