Sep
23
2014

Do Top Pet Health Insurance Claims Play a Part in Dog Bite Liability?

Do Top Pet Health Insurance Claims Play a Part in Dog Bite LiabilityDo Top Pet Health Insurance Claims Play a Part in Dog Bite Liability?

Earlier this year, we published a blog post highlighting the link between dog health and behavior, stating that a dog’s poor health can increase their anxiety, and thus their tendency to react aggressively, even if they’ve never displayed aggressive behavior before. This could very well lead to a dog bite liability insurance claim. Kristen Lynch, Executive Director of North American Pet Health Insurance Association (NAPHIA), states that “A lot of people would never imagine their dog could run up a vet bill as high as the cost of a luxury car.” Lynch is speaking to pet health insurance, however when you consider this as well as the high costs of defending a dog bite liability claim and paying for any medical damages to a person your dog may have injured, it’s easy to see why both types of insurance would be beneficial. In honor of Pet Health Insurance Month NAPHIA recently published a blog highlighting North America’s top 10 claims in relation to pet health. No matter what type of breed you own, there is always the chance of a health issue occurring, but understanding what ailments are most susceptible to your breed may help you recognize and prevent aggressive behavior related to health. Included in the top ten pet claims paid by NAPHIA in 2013 were:

  • Hip Dysplasia: 3-year-old female Border Collie mix
  • Pleural Effusion: 1-year-old male Rottweiler
  • Insulinoma: 7-year-old male Soft Coated Wheaten Terrier
  • Toxic Myelodysplasia: 8-year-old female Beagle
  • Spay Complications: 1-year-old-female mixed breed

The above list is not to say that only these breeds are afflicted with these ailments; this simply highlights a few breeds that are affected by serious health conditions which could in fact affect their behavior. Labradors are another breed that are highly susceptible to hip dysplasia, while basset hounds are prone to ear infections, both of which are painful conditions in breeds that are considered “friendly” and “non-dangerous.” This may be the case, however any breed of dog that is in pain is capable of reacting aggressively; whether it’s out of fear of being hurt or a sudden accidental situation such as a child pulling a dog’s infected ear or an adult tripping over a dog who has painful joints. Dogs that are not feeling well and are behaving differently because of that are much more likely to snap or attack, no matter how friendly their demeanor usually is. At the Federation of Insured Dog Owners (F.I.D.O), we offer the Covered Canine Policy, an exclusive Dog Bite Liability Product and benefit for F.I.D.O members only. Please contact us today for more information at (855) 534-6495.

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