Dog owners often wonder if pitbull pet insurance is worth it. Dog Ownership Guide looked into it, so pitbull owners don’t have to and this is what we found out.
Reactivity in Pitbulls
Pitbulls have a bad reputation, unfortunately. It’s never a surprise when there is a news article about pit bulls hurting another animal or human. As a pit bull owner, you likely can’t stand these reports, especially if you have one that goes against the stereotype.
Dog breeds like the American pit bull terrier and the American Staffordshire terrier can exhibit reactive behavior that lands them in trouble. It’s why many pit bull owners protect their pups as much as possible – going as far as placing reactive dog vests on to save themselves the grief of people and their animals messing with their pups who don’t want to be messed with.
What needs to be brought to light is that it’s not only about people and their animals. American pit bull terriers and American Staffordshire terriers often get hurt because of their reactivity on the leash and off the leash.
Reactivity often results in injuries to dogs, which then results in a veterinarian visit costing more than any dog owner wants to spend.
Pitbull Insurance for Injuries
Depending on the injuries, it may cost hundreds or thousands of dollars to treat injuries endured from the reactive behavior of a pit bull. Dog bites from other dogs, running into the street and getting hit by a car, or even attacking doors or fences to safeguard their territory results in lesions and broken bones.
The good news is that pit bull pet insurance can cover the costs of accidental injuries. Dog insurance companies provide coverage for veterinarian care for injuries and health issues that aren’t pre-existing.
Pet owners take their dogs to the vet for care. They pay their vet, submit a claim and when processed, they receive reimbursement to cover the vet bills.
In addition to injuries, treatment for health issues is also covered (as long they are not pre-existing).
Common Health Issues for Pitbulls
Pitbulls are generally healthy when compared to other breeds. The most common genetic health issues are:
- Hip Dysplasia
- Degenerative Myelopathy
- Kneecap Dislocation
Non-genetic medical concerns dog owners of bully breeds like pit bulls suffer from are:
- Mange
- Skin Allergies (You may want to read: Best Food for Pitbulls with Skin Allergies)
Pet parents often struggle with their pitbull’s red, irritated skin due to either environmental or food allergies. CBD oil is an effective way to treat skin allergies, and you can read more about that here: CBD Oil for Dog Allergies
Dog Insurance for Pregnant Pitbulls
If your pitbull is pregnant, you will need special pet insurance and your pup needs to be enrolled in a policy as soon as possible. Learn more about pet insurance for pregnant dogs.
Dog Insurance for Senior Pitbulls
As pit bulls grow older, they often suffer from increased health conditions. Many pet owners wait to get dog insurance for dogs over 8 years old, so it’s ready as age-related medical problems begin to appear.
Homeowners Insurance for Pitbulls
One of the most common questions people have is if they need pit bull insurance – homeowners insurance. It’s true that certain breeds are at higher risk of liability, so yes, canine liability insurance is a good idea or a policy that includes liability coverage.
Unfortunately, many homeowner insurances across the country will not offer homeowner or renters insurance policies to pitbull owners.
The good news is that in New York, the AKC was able to put a law into effect that prevents insurance agents from denying or increasing premiums for pet parents based on their dog’s breed.
New York’s law is a step in the right direction, especially for pet parents who own a “dangerous dog” or are at least considered at higher risk.
Just like with the search for a pet insurance policy, it’s important to shop around for a home or renters insurance policy that meets your needs and budget. Each pet insurance company has its own rates and policy details that need to be considered.
Pitbull Pet Insurance
Now you have the information you need for pitbull pet insurance, no matter if you’re looking for health insurance or home/renters insurance. The takeaway from the above information is to shop around. You will find a lot of variability between insurance companies, so identify what is most important to you and your pup, and then find an insurance agent who is able to provide what you need for the price that’s within your budget.
