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All you need to know about pedigree dog insurance

Pedigree dogs can be expensive, and 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. 

Pedigree dogs can be expensive, and 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. 

Tom Harrison
Content writer
4
minute read
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Posted 22 JULY 2020

What exactly is a pedigree dog?

The RSPCA defines a pedigree dog as the puppy of two dogs of the same breed, which is eligible for registration with a recognised club or society that keeps a register for dogs of that description.

According to the Kennel Club, Britain’s top pedigree dogs include the Labrador, the Cocker Spaniel, the French Bulldog, the Pug and the English Springer Spaniel.
 
If you’re thinking of getting a pedigree dog, you want to make sure it’s happy and healthy. The Kennel Club has lots of useful information on finding the right breeder.
 
Your pedigree pup may also come with formal paperwork, including their pedigree (a record of their ancestry) and their Kennel Club Registration Certificate. You can find out more about what paperwork you should have on the pets4homes website.

How much is insurance for a pedigree dog?

You may find that a pedigree dog could be more expensive to cover than an ordinary dog because they can be more susceptible to certain inherited disorders.

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What are some of the most common hereditary conditions?

Pedigrees, also known as 'purebreds', can be among the most expensive pets to insure as they can be more prone to inherited disorders 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 dysplasia, eye diseases and kidney diseases.
  • Boxer dogs: these strong, confident dogs are at risk of developing breathing difficulties, bloating and deafness.
  • Border terrier: these dogs are generally robust, but can be prone to hip dysplasia, Spike’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?

A normal dog insurance policy can cover you for vet bills for your pedigree dog. 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 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 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
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