Most insurances have a limit of £1000 or £1500. How do I insure the full value of my Bulldog. Please help.

Please e-mail me on
nikki@martyjackson.wanadoo.co.uk

Hi there , not to sound rude but is a Bull dog puppy not valued at around £1500 is this cover not enough.

I think pet insurance maximum price cover is indicitve of the average cost of a puppy in the breed you register if that makes sense.

 

Personally, when insuring our dogs, I don't even consider the replacement value of the dog, should it die. I'm merely concerned that it will have the best medical cover - not the cost of replacing it :(

Daisy

Ahh but this questions when you import a dog which is worth £3,000 or more how do you insure it, especially when you've got it on the grounds that it has to be insured?  I am finding this whole insurance thing a minefield.  When they say you can't insure a breeding dog does this mean bitches or does it include males too?

If you look into it and it includes males to many of us really shouldn't be able to insure our dogs, which I find totally weird.  I'm sure that most people who do insure are breeders.

I have never heard breeding dogs being excluded justr breeding risks.  In other words you won't be covered for a bitch that dies in whelp or for the cost of C section etc, it would still be covered for it's general health.

We insured our import, but only for the normal purchase price not how much he had cost to import and quarantine.

You can insure for whelping problems, but is does'nt come cheap and as I understand it the bithces first litter isnt covered.  After that subsequent pregnancies will be covered provided the policy has been operating long enough.

Been on the websites of M&S and a number of other insurance companies and every single one says that "breeding" dogs are excluded from the insurance.  Think everyone had better start reading the small print!!  Although it isn't small print it's actually on the first page right at the top.

This is making it really hard for me to insure any of my dogs as I very occasionally have litters so this in the insurers eyes means that they are breeding dogs and the main one that I want to insure has been brought over here to be used at stud.

There is a company who do breeder insurance and I am with them.  I understand I cant say who it is because that would be advertising. You might find it by putting pet insurance in your browser.

Echo, as long as it isn't your company you can say who it is :)  I'm sure people will find the information very useful.

SWD,  the breeding dogs I think refers to whelping complications so I think a dog is out of that equation. Of coiurse there is always the possiblity of something serious happening to a dog whilst mating a bitch then this injury may not be insured. BUT generally I think the Male dog if insured would be insured just like a pet.

RE the £3000 cost of the dog, I think you find that is the risk most take.  Maybe worth contacting one of the dog papers they may run a little story asking for feedback :-)

> don't want it for breeding problems especially as he's a male I just want to insure him and why should I pay over the odds when he's cost me a fortune as it is???< so you want your cake and to eat it ;-)

If you drive a 50K car you will pay more insurance that for someone driving a £5k that is only normal and to be expected. The insurance premium when comparing insured things are not bumped up because of the repair costs only but the replacement costs.

If you took out life insurance for £20K and were charged £20 per month and I took out life insurance for £200K and was charge £20 per month would you then think you have been  treated wrongly :-) I think you may :-)

PS SWD did you edit you post as I have quoted from your post which seems to have changed :-)) no harm

No I don't want my cake and to eat it.  Why should I someone who is trying to improve a breed and bringing in healthy dogs be penalised?  I do wonder if the insurers think the same as us re "breeding" dogs, their phrasing always worries me and we know that they will all do anything to wriggle out of paying for something :d