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
minute read

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 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 are some of the most common hereditary conditions?

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How much could pet insurance cost for your pedigree dog?  

The Association of British Insurers puts the average claim on a pet insurance policy at £750, but if your pet needs specialised, prolonged treatment, costs of several thousand pounds are not unknown.

So it’s always a good idea to see how much pet insurance could cost for your pedigree – it could save you money in the long-run.

According to our research, the average annual cost of pet insurance for:

  • a Shar Pei is £47.84*
  • an English Bull Dog is £41.61*

But you could pay less – these figures are based on the January to March 2018 prices for people who used, across all levels of cover for pet insurance.

Breed Minimum annual price for 50% of our customers
Border Terrier £27.17
Boxer £31.63
Bull Terrier £27.17
Cavalier King Charles Spaniel £27.17
Cocker Spaniel £27.17
German Shepherd £27.17
Golden Retriever £27.17
Labrador £27.17
Springer Spaniel £27.17

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

Did you know? 50% of people could achieve a quote of up to £8.10 for their dog insurance based on data in February 2018.**

*Average premiums are from data January to March 2018.
**Average price for dog insurance (across all levels of cover), based on data from January to February 2018. You may find a cheaper or more expensive quote based on your personal circumstances.

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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