All you need to know about pedigree dog insurance

All you need to know about pedigree dog insurance

Pedigree dogs can be expensive, so you’ll want to make sure that you have the right pet insurance protection, especially as these dogs are often considered to be more at risk of developing hereditary conditions. Here’s all you need to know about insurance for your pedigree dog. 

James Martin Content Writer
4
minute read
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How much is insurance for a pedigree dog?

The average annual cost to insure a pedigree dog is £44.88** based on all four types of pet insurance, according to Compare the Market data from October 2018. You may find that a pedigree dog is more expensive to cover than an ordinary dog because they can be more susceptible to certain illnesses.  

Cost of pet insurance for pedigree dog breeds**

BreedAverage yearly premium (across all cover levels)

Border Terrier

£42.89

Boxer

£47.66

Bull Terrier

£45.22

Cavalier King Charles Spaniel

£44.14

Cocker Spaniel

£43.69

English Bull Dog

£43.74

German Shepherd

£44.83

Golden Retriever

£44.55

Labrador

£44.30

Shar Peri

£49.89

Springer Spaniel

£43.82

What are some of the most common hereditary conditions?

**Based on Compare the Market data in October 2018.

Research by the People’s Dispensary for Sick Animals (PDSA) found that the total cost of having a dog (including insurance) is £21,000-£33,000 for life, depending on size and breed.

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What are some of the most common hereditary conditions?

Pedigrees, also known as a ‘purebreds’, can be some of the most expensive pets to insure as they can be more prone to illness than crossbreeds.

Some of the most popular pedigree dogs can be prone to hereditary conditions:

  • Labradors: these hugely popular dogs are sadly prone to canine hip, shoulder and elbow dysplasia.
  • Golden retriever: a popular family pet, ‘Goldies’ often suffer from hip and elbow dysplasia. They can also suffer from cancer, although this is less common.
  • Cocker spaniels: gentle, easy-going Cocker spaniels can be prone to hip dysplasiaeye diseases and kidney diseases.
  • Boxer dogs: these strong, confident dogs are at risk of developing breathing difficultiesbloating and deafness.
  • Border terrier: these dogs are generally robust, but can be prone to hip dysplasiaSpike’s disease (similar to canine epilepsy) and genetic conditions that can affect their eyesight.
  • German shepherd: like most deep-chested dogs German shepherds can suffer from bloating, along with hip and elbow dysplasia.

What could pedigree dog insurance cover?

Besides vet bills, you might want your pedigree dog insurance policy to include cover for:

  • death due to illness or accident
  • your dog going missing – costs of advertising and rewards, and a compensation payment if your dog can’t be found
  • boarding kennel fees or other care costs – if you become ill for and are unable to look after your dog
  • compensation for the costs of cancelling your holiday if your dog becomes ill
  • liability insurance – if your dog harms a person or another animal and you have to pay damages
  • emergency care – if you take your dog abroad
  • alternative treatments, such as homeopathy, recommended by your vet

See more on what vet fees pet insurance can cover

What could pedigree dog insurance cover?

What types of pet insurance are available?

There are four main types of pet insurance cover

  • lifetime insurance
  • maximum benefit – pays up to a set limit
  • accident only
  • time limited – for example a year

The owners of valuable and loved pedigree dogs may choose to opt for the lifetime insurance as this generally offers the most comprehensive cover and some types of pet insurance aren't suitable for pre-existing conditions that can crop up in pedigree animals with hereditary illnesses.

See more detail about these four types of pet insurance.

What issues can affect your pet insurance premium?

There are 5 things that may affect the cost of your premium:

  • the age of your dog
  • his or her health history
  • the level of cover you want
  • the policy excess
  • your postcode
What issues can affect your pet insurance premium?

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