Top 10 canine breeds that want pet insurance coverage


The American Veterinary Medical Association (AVMA) has warned pet house owners that no matter dimension, gender, or age, “any canine can chew,” however added that more often than not, such situations may be prevented.

“Even the cuddliest, fuzziest, sweetest pet can chew if provoked,” the group defined in a canine chew prevention information on its web site. “Remember, it’s not a canine’s breed that determines whether or not it’s going to chew, however fairly the canine’s particular person historical past and conduct.”

Read extra: Revealed – high 15 pet insurance coverage suppliers within the US

Why do canine chew?

There are a number of the reason why canines chew, in line with AVMA, however typically they achieve this as a response to one thing.

“If the canine finds itself in a disturbing scenario, it could chew to defend itself or its territory,” the affiliation famous. “Dogs can chew as a result of they’re scared or have been startled. They can chew as a result of they really feel threatened. They can chew to guard one thing that’s useful to them, like their puppies, their meals, or a toy.”

Some canines additionally turn out to be aggressive when they’re sick or injured as they might need to be left alone. But even when they’re feeling properly or playful, there’s nonetheless a danger that they might chew.

“Dogs additionally may nip and chew throughout play,” the affiliation added. “Even although nipping throughout play is perhaps enjoyable for the canine, it may be harmful for folks. It’s a good suggestion to keep away from wrestling or enjoying tug-of-war along with your canine. These sorts of actions could make your canine overly excited, which can result in a nip or a chew.”

What is the typical price of canine injury-related claims?

These situations reveal the significance of getting the best kind of protection for most of the nation’s canine house owners.

AVMA’s information exhibits that pet insurance coverage firms paid a complete of $881 million in legal responsibility claims associated to canine bites and different canine-related accidents in 2021, with the typical price per declare amounting to about $49,025.

Among the insurers which have the very best dog-related damage claims payout up to now a number of years is State Farm, which has paid greater than $1.1 billion between 2012 and 2021. 

Meanwhile, the highest 10 states that reported the best variety of canine chew incidents final yr in alphabetical order are Arizona, California, Florida, Illinois, Michigan, New Jersey, New York, Ohio, Pennsylvania, and Texas.

Read extra: Dog breeds with probably the most and least costly insurance coverage charges

What sorts of insurance coverage insurance policies do canine house owners must take out?

Pet insurance coverage, together with that for canine, sometimes gives three sorts of protection, principally health-related. These are: 

  • Accident and sickness: The most typical kind of protection, the sort of coverage covers accidents attributable to accidents – together with damaged bones, torn ligaments, chew wounds, eye trauma, and poisoning – and illness – corresponding to pores and skin infections, most cancers, arthritis, allergy symptoms, ear infections, diarrhea, and inner parasites.
  • Accident-only: Some insurers provide this type of plan, which basically covers something related to sudden bodily damage. This kind of coverage normally prices lower than accident and sickness plans, and fits pets with pre-existing circumstances.
  • Wellness: This elective protection pays out for wellness bills, together with annual bodily exams, spay or neuter procedures, routine blood panels, heartworm testing and therapy, fecal testing, urinalyses, routine vaccinations, tooth cleanings, and flea and tick remedies.

However, specialists advise canine house owners to take out one other type of safety, which covers accidents and damages their pets trigger others. This kind of coverage known as pet legal responsibility insurance coverage. 

How does pet legal responsibility insurance coverage work?

Most householders’ and renters’ insurance coverage insurance policies present legal responsibility protection as much as a sure restrict. This contains claims ensuing from pet-related accidents and damages. Apart from canine bites, some plans cowl property injury, together with when a pet, as an example, chewed up one other particular person’s sofa or peed on another person’s laptop computer.

Canine house owners can even buy a separate canine legal responsibility protection, particularly if their pets are amongst these thought of “aggressive” breeds or in the event that they really feel that protection of their house insurance coverage insurance policies shouldn’t be sufficient. 

Read extra: Dogs bites are an rising legal responsibility for companies and pet house owners

Top 10 canine breeds that want pet insurance coverage

In a latest weblog, Pawlicy Advisor listed the highest 10 canine breeds that will want protection resulting from totally different behavioral and well being elements.

To provide you with the record, the pet insurance coverage market thought of a number of parameters, together with chew pressure information from business info web site Pet Comments, temperament scores – which measures how well-mannered a canine behaves in varied settings – from the American Temperament Test Society (ATTS), and share of house insurers (amongst 42 suppliers) banning the breed from Forbes Advisor. These metrics mirror every breed’s danger stage in the case of attacking or biting others. Pawlicy Advisor additionally factored within the totally different diseases the breeds are uncovered to.

Here are the highest 10 canine breeds that require protection, in line with the pet insurance coverage market. The record is organized in alphabetical order:

1. Akita

Bite pressure: 350 to 400 kilos per sq. inch (PSI)

Bite pressure rating: eleventh

Temperament rating passing price: 77.8%

Percentage of house insurers banning the breed: 79%

Common well being points: Sebaceous adenitis and hip dysplasia

2. Alaskan Malamute

Bite pressure: 235 PSI*

Bite pressure rating: Not ranked

Temperament rating passing price: 84.8%

Percentage of house insurers banning the breed: 26%

Common well being points: Bloat (gastric dilatation-volvulus)

3. American Staffordshire Terrier (AmStaff)

Bite pressure: 328 PSI**

Bite pressure rating: Not ranked

Temperament rating passing price: 85.5%

Percentage of house insurers banning the breed: 100% (labeled below pit bulls)

Common well being points: Elbow dysplasia, hypothyroidism, progressive retinal atrophy, and cerebellar ataxia

4. Bulldogs

Bite pressure: 305 PSI**

Bite pressure rating: Not ranked

Temperament rating passing price: 86.9%

Percentage of house insurers banning the breed: 19%

Common well being points: Illnesses associated to the nostril, eyes, tooth, and respiratory system

5. Cane Corso

Bite pressure: 700 PSI

Bite pressure rating: third

Temperament rating passing price: 88.1%

Percentage of house insurers banning the breed: 19%

Common well being points: Epilepsy, gastric dilatation-volvulus, and eyelid abnormalities

6. Chow Chow

Bite pressure: 220 PSI

Bite pressure rating: twenty second

Temperament rating passing price: 71.7%

Percentage of house insurers banning the breed: 95%

Common well being points: Hypothyroidism, pores and skin and ear infections, weight problems, and despair

7. Doberman Pinscher

Bite pressure: 245 PSI

Bite pressure rating: sixteenth

Temperament rating passing price: 79.5%

Percentage of house insurers banning the breed: 100%

Common well being points: Certain sorts of most cancers, dilated cardiomyopathy (DCM), liver irritation, wobbler syndrome, and bloat

8. German Shepherd

Bite pressure: 238 PSI

Bite pressure rating: seventeenth

Temperament rating passing price: 85.3%

Percentage of house insurers banning the breed: 45%

Common well being points: Issues within the hips and gastrointestinal tract

9. Labrador Retriever

Bite pressure: 230 PSI

Bite pressure rating: twentieth

Temperament rating passing price: 92.2%

Percentage of house insurers banning the breed: None

Common well being points: Elbow and hip dysplasia, in addition to knee-related points and eye issues

10. Rottweiler

Bite pressure: 328 PSI

Bite pressure rating: twelfth

Temperament rating passing price: 84.7%

Percentage of house insurers banning the breed: 100%

Common well being points: Heart illness, together with aortic stenosis

* Data from Dog Breeds Expert

** Data from

Read extra: 25 most harmful canine breeds

How can house owners forestall their canine from biting others?

While AVMA identified that canine – no matter breed, age, or gender – can chew others when provoked, there are a number of sensible methods that canine house owners can do to stop such situations from occurring. These embody:

  • Socializing the canine: This may help canine really feel comfortable in several conditions. According to AVMA, by introducing the canine to folks and different animals whereas it’s nonetheless a pet, the extra comfy it’s going to really feel in several conditions because it will get older.
  • Being a accountable pet proprietor: This embody rigorously choosing a canine that’s proper for his or her household, and giving it correct coaching and common train, and neutering or spaying the pet.
  • Proper schooling: Educating themselves and their youngsters about how, or whether or not, to strategy a canine can cut back the danger of them being attacked or bitten.
  • Avoiding dangerous conditions: It can also be vital to know how you can keep away from escalating dangerous conditions and perceive when they need to and shouldn’t work together with canine. These embody when the canine shouldn’t be with its proprietor, or when it’s growling, barking, sleeping, consuming, enjoying with a toy, sick, or injured.
  • Paying consideration to physique language: Just like folks, canine depend on physique gestures, postures, and vocalizations to precise themselves and talk. While it’s not at all times potential to learn a canine’s physique language precisely, it may give folks useful clues as as to if it’s feeling burdened, frightened, or threatened.


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