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by Siantha on 25 October 2012 - 04:10
Working Pets. Any pet involved in activities other than companionship or helping, including, but not limited to,
racing, breeding, law enforcement, guarding or for other commercial use.
i understand that as my dog is a working pet i have SAR dogs and dogs in training for protection work. that is more than companionship so if i breed my dog they wont cover it? just wondering im not bashing on them but when i read this i decided against getting their insurance.
racing, breeding, law enforcement, guarding or for other commercial use.
i understand that as my dog is a working pet i have SAR dogs and dogs in training for protection work. that is more than companionship so if i breed my dog they wont cover it? just wondering im not bashing on them but when i read this i decided against getting their insurance.
by fawndallas on 25 October 2012 - 12:10
The problem with Trupanion is that they do not cover HD without a policy rider. Healthy Paws did not seem to have these exclusions. If Healthy Paws does not cover dogs that do Schutzhund sport, that negates Cirberus.
Is there any other insurance someone recommends?
Is there any other insurance someone recommends?
by Jenni78 on 25 October 2012 - 13:10
I think it would behoove people to ASK someone prior to making assumptions.
Common sense would dictate that they won't cover breeding-related expenses, but if a breeding dog got a big gash on its leg, the injury would be covered. Common sense isn't entirely common nowadays, so I'm not saying it's set in stone, but I would certainly call and ask them, AS I DID, when I signed up.
Common sense would dictate that they won't cover breeding-related expenses, but if a breeding dog got a big gash on its leg, the injury would be covered. Common sense isn't entirely common nowadays, so I'm not saying it's set in stone, but I would certainly call and ask them, AS I DID, when I signed up.
by fawndallas on 25 October 2012 - 13:10
Yes, I agree. As none of my dogs will be bred that make make the difference.
anything else I need to watch for?
anything else I need to watch for?
by Keith Grossman on 25 October 2012 - 14:10
I don't know how an insurance company could make a distinction between training for basic obedience or sport...where would they draw the line?
The pup is doing great, fawndallas; thanks for asking!
The pup is doing great, fawndallas; thanks for asking!
by beetree on 25 October 2012 - 15:10
Oh, the difference would the bite, I think, and pretty easy to differentiate.
by beetree on 25 October 2012 - 15:10
Now, I could have sworn it was said someone's dog was injured and that prompted them to call one of those companies. They were able to enroll in the insurance quickly, so they were covered by the time they got to the vet. Probably not the way the insurance company intends but how would they know?
by Jenni78 on 25 October 2012 - 20:10
Waiting periods apply for all policies, and any pre-existing conditions are of course not covered, just like in human insurance.
Keith, I agree. I also think people are totally misunderstanding what "commercial" means and also that their sport pets are not, in fact, "working dogs" by a legal definition. They are pets engaging in a hobby. Nonetheless, I would ask ahead of time, rather than be hit with a surprise "sorry, we don't cover ____________".
Keith, I agree. I also think people are totally misunderstanding what "commercial" means and also that their sport pets are not, in fact, "working dogs" by a legal definition. They are pets engaging in a hobby. Nonetheless, I would ask ahead of time, rather than be hit with a surprise "sorry, we don't cover ____________".
by beetree on 25 October 2012 - 21:10
Really, is that so? I guess that person just got lucky! Or they are a liar?
by fawndallas on 26 October 2012 - 02:10
Jenni, you noted that you use both Healthy Paws and Trupanion. Do you have these for different dogs (might make sense in my case) or do you have these on the same dog? What do you differentiate on?
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